KR101878204B1 - Method and server for providing asset securitization service with lessor and lessee variable - Google Patents

Abstract

According to an embodiment of the present invention, there is provided a method for providing a security deposit service to a plurality of landlords and tenants, the method comprising the steps of: (a) Renting the real estate of the tenants and concluding a tenancy agreement between each of the tenants and the rental management agent with the real estate as a sale; And (b) when the deposit change request is received from the landlord terminal or the tenant terminal corresponding to each contract during the lease term and the lease term, the condition of the contract is changed and the settlement processing is performed, When the above contract terms are changed, when the lease deposit amount according to the lease contract is increased, the higher lease deposit rate and the monthly rent conversion rate are applied when the lease deposit amount is decreased A plurality of landlord and tenant are allowed to generate a profit by fluctuation of deposit money.

Description

METHOD AND SERVER PROVIDING ASSET SECURITIZATION SERVICE WITH LESSOR AND LESSEE VARIABLE

The present invention relates to a method and server for providing a service for securing a security deposit to a landlord and a tenant during a lease term, and more particularly, The landlord and the tenant are allowed to make a lease agreement with the landlord and the tenant so that the landlord and the tenant can not use the landlord or tenant during the term of the contract And to provide a method and a server for providing a security deposit service capable of earning profit by operating lease contract funds among a plurality of real estate to a rental management business.

Generally, when a real estate transaction is carried out, the landlord wants to lease the property on rent terms, while the tenant often wants to lease on lease terms.

In other words, it is difficult for a lease contract to be concluded as a result of the inconsistency between the lease terms of the landlord and the tenant, and the tenant and the landlord must repeatedly try to trade until the contract is established on the lease terms agreed by both sides It is a hassle.

In addition, when a lease contract is already concluded by a real estate transaction, the landlord and the tenant can not freely change the conditions of the lease contract according to their circumstances.

Accordingly, the landlord and the tenant have difficulty in changing the condition of the lease contract after the contract is concluded. Especially, in the case where the funding is necessary, the lease contract amount is not flexible , Banks, and other financial institutions, and it is necessary to establish credit conditions for them.

Therefore, there is a need to provide a technology that enables the landlord and the tenant to conveniently raise funds by eliminating the inconvenience caused by inconsistency in the lease transaction conditions and solving the problem that the lease contract can not be changed or utilized freely during the contract period to be.

Disclosure of Invention Technical Problem [8] Accordingly, the present invention has been made keeping in mind the above problems occurring in the prior art, and it is an object of the present invention to provide a lease contract for lease contracts, The landlord and the landlord conclude the lease on the condition that they want and the tenant and the tenant conclude the tenancy agreement on the condition that the landlord and tenant conclude the lease. And to reduce the rent burden on the tenant.

In addition, the leasing management contracts lease and lease contracts with a plurality of leaseholders and tenants, and manages the security deposit and lease payments accordingly, thereby allowing the leaseholders and tenants to lease each lease and lease agreement By allowing the landlord and the tenant to freely change the terms of the lease without having to negotiate with each other, thereby increasing the convenience of the leaseholder and the tenant to finance the lease and lease agreements during the contract period .

In addition, when the lease contractor changes the lease terms with the landlord, the higher lease conversion rate is applied when the lease deposit amount is increased, and the lease deposit amount is increased when the lease term with the tenant is changed , The higher conversion rate is applied to guarantee the profit of the rental management business.

The objects of the present invention are not limited to the above-mentioned objects, and other objects not mentioned can be clearly understood from the following description.

Claims [1] A method for providing a security deposit service to a plurality of landlords and tenants, comprising the steps of: (a) renting a plurality of real estate through a lease contract between each of the landlords and a rental management business; Concluding a lease agreement between each of the tenants and the leasing management company on the premises; And (b) when the deposit change request is received from the landlord terminal or the tenant terminal corresponding to each contract during the lease term and the lease term, the condition of the contract is changed and the settlement processing is performed, When the above contract terms are changed, when the lease deposit amount according to the lease contract is increased, the higher lease deposit rate and the monthly rent conversion rate are applied when the lease deposit amount is decreased A plurality of landlord and tenant are allowed to generate a profit by fluctuation of deposit money.

The profit is calculated by dividing the lease monthly rent which is increased by reducing the deposit amount in the condition of the lease agreement and the difference between the lease monthly rent in the condition of the lease or the lease monthly rent which is reduced by increasing the deposit in the condition of the lease, Can be created by the difference between lease rents.

The profit may be generated by the operational income from the deposit amount received from the landlord and the tenant when the deposit is increased or the deposit is reduced during the terms of the lease.

The conditions of the lease contract and the conditions of the lease may be set according to the previous month's conversion rate lower than the on-time month's conversion rate.

The higher conversion rate may be applied at the time of concluding the lease agreement than when the lease contract is concluded.

Wherein the lease contract is executed based on a lease term contract condition received from the lease terminal, the lease contract is performed based on a lease term contract condition received from the tenant terminal, And may be concluded in accordance with the terms of the lease agreement and the lease agreement without any process of coordination and mutual agreement between the tenants.

According to another embodiment of the present invention, there is provided an apparatus for providing a security deposit service to a plurality of landlords and tenants, the apparatus comprising: Rental contract processing unit; A lease contract processor for concluding a lease agreement between each of the tenants and the lease management company on the premises; A rental deposit management unit for changing a rental deposit amount of the lease agreement upon receipt of a rental deposit change request from the rental terminal corresponding to the rental agreement during the lease term and accounting for the rental deposit amount; A rental lease management unit for changing a lease payment amount corresponding to the lease contract by applying a higher deposit and a conversion rate between monthly rents when the rental deposit amount is increased than when the lease deposit amount is reduced; A lease deposit management unit for changing the lease deposit amount in the condition of the lease agreement when the lease deposit change request is received from the tenant terminal corresponding to the lease agreement, And when the lease term is changed, the higher the conversion rate is applied when the lease deposit amount is reduced than in the case where the lease deposit amount is increased, a profit generated by the fluctuation of the deposit of the plurality of the landlord and the tenant is created / RTI >

According to an embodiment of the present invention, a lease contractor concludes a lease contract with the landlord and a corresponding landlord on a desired condition within the range equivalent to the lease price of the real estate, and the tenant and the tenant conclude a lease contract Thereby eliminating the inconvenience of repeated transactions due to the inconsistency of the lease terms, increasing the monthly rent income of the landlord, and reducing the rent burden on the tenant.

In addition, the leasing management contracts lease and lease contracts with a plurality of leaseholders and tenants, and manages the security deposit and lease payments accordingly, thereby allowing the leaseholders and tenants to lease each lease and lease agreement The lease agreements and the lease agreements are liquidated during the term of the contract so that the leaseholders and the tenants are not bound by the term of the lease, It is possible to increase the convenience of fund procurement and management.

Accordingly, according to the present invention, a landlord who wishes to receive more rent than the current lease period during the contract period is not constrained by the lease contract with the tenant, Tenants who are entitled to more rent and who have a sudden need for funding during the term of the contract may obtain the necessary funds by inconvenient arrangement with the landlord or by lowering the existing deposit without being constrained by the term of the contract. On the other hand, according to the present invention, a landlord who needs funds can secure the necessary funds by increasing the deposit even during the contract period as desired, and the tenant who is liable to pay monthly rent is also paid a low rent as desired during the contract period While maintaining the lease of the same property.

In addition, when the lease contractor changes the lease terms with the landlord, the higher lease conversion rate is applied when the lease deposit amount is increased, and the lease deposit amount is increased when the lease term with the tenant is changed , It is possible to guarantee the profit of the rental management business by applying the higher conversion rate of the previous month.

It should be understood that the effects of the present invention are not limited to the above effects and include all effects that can be deduced from the detailed description of the present invention or the configuration of the invention described in the claims.

FIG. 1 is a configuration diagram of a security deposit service provision system according to an embodiment of the present invention.
2 is a diagram illustrating a configuration of a rental management server server according to an embodiment of the present invention.
FIG. 3 is a diagram illustrating a process of making a lease contract between the landlord, the tenant, and the leasing management company according to the first embodiment of the present invention.
4 is a diagram illustrating a process of changing a lease term of a landlord according to the first embodiment of the present invention.
FIG. 5 is a diagram illustrating a process of changing a tenant's terms and conditions according to a first embodiment of the present invention.
FIG. 6 is a diagram showing a process of making a lease contract between the landlord, the tenant, and the leasing manager according to the second embodiment of the present invention.
FIG. 7 is a diagram illustrating a process in which a security deposit service is provided to a plurality of landlords and tenants according to a third embodiment of the present invention.
8 to 10 are views for explaining various embodiments of the present invention.
FIG. 11 is a diagram illustrating a profit creating structure according to a difference in conversion rate between a rental deposit and a rent amount of a landlord and a tenant according to an embodiment of the present invention.
FIG. 12 is a graph showing the conversion rate for the landlord and the lessee of the deposit-type securitization service according to an embodiment of the present invention.

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS The present invention will now be described with reference to the accompanying drawings. The present invention may, however, be embodied in many different forms and should not be construed as limited to the embodiments set forth herein. In order to clearly illustrate the present invention, parts not related to the description are omitted, and similar parts are denoted by like reference characters throughout the specification.

Throughout the specification, when a part is referred to as being "connected" to another part, it includes not only "directly connected" but also "indirectly connected" . Also, when an element is referred to as " comprising ", it means that it can include other elements, not excluding other elements unless specifically stated otherwise.

Hereinafter, embodiments of the present invention will be described in detail with reference to the accompanying drawings.

FIG. 1 is a configuration diagram of a security deposit service provision system according to an embodiment of the present invention.

Referring to FIG. 1, a system for providing deposit service securing service according to an embodiment of the present invention includes at least one landlord terminal 100, one or more tenant terminals 200, a leasing management server server 300, and a bank server 400 .

First, the communication network can be configured without regard to its communication mode such as wired and wireless. A local area network (LAN), a metropolitan area network (MAN), a wide area network (WAN), and the like. Advantageously, the system for providing a security deposit service according to an embodiment of the present invention can be implemented by wireless communication technology such as Wi-Fi.

The landlord terminal 100 and the tenant terminal 200 are connected to the rental management server server 300 and the bank server 400 through a network such as a mobile phone, a smart phone, a PDA (Personal Digital Assistant), a PMP ), And may include any type of handheld based wireless communication device. In addition, as in IPTV including a desktop PC, a tablet PC, a laptop PC, and a set-top box, a network And may include a communication device that can be connected to an external server such as the rental server 300 and the bank server 400 through the Internet.

The landlord terminal 100 and the tenant terminal 200 according to an embodiment of the present invention may request a security deposit service web page provided from a web server (not shown) by executing a web browser. The request of the web page may be performed by various methods such as an address input of a web page, a link selection in a specific web page, a search request in a web page providing a search service, and the like.

Also, the landlord's terminal 100 and the landlord's terminal 200 may be provided with a security deposit service application that provides a security deposit service to the landlord and the tenant. In this case, the application management server (not shown) may provide an application store capable of distributing various applications. When the service provider providing the deposit guarantee service registers the deposit guarantee service application in the application store, And the tenant terminal 200 can download the deposit deregistration service application registered in the application store and install it in the memory.

The deposit-securitization service application is a program module capable of communicating with an external server and an external device, and is used as an operating system, an application program module, and other program modules. The terminal 100 and the tenant terminal 200, And may be physically stored on various known storage devices. This program module, on the other hand, encompasses but is not limited to routines, subroutines, programs, objects, components, data structures, etc. that perform particular tasks or implement particular abstract data types in accordance with the invention.

According to an embodiment, the landlord and the tenant can join the rental management server server 300 through the landlord terminal 100 and the tenant terminal 200, respectively, And a securitization service may be provided.

The rental management vendor server 300 may be a server operated by a rental management company that provides a security deposit service to the landlord and the tenant.

The rental management vendor server 300 according to an embodiment can receive a lease contract request signal of a landlord who has not concluded a lease contract, that is, not a lease transaction, through the landlord terminal 100. [ In other words, it can receive a lease request signal of a non-rented real estate.

Also, according to one embodiment, the rental management vendor server 300 may receive a rental contract request signal of a landlord who has made a lease agreement, that is, a rental transaction, through the landlord terminal 100. In other words, it can receive a lease request signal of a leased property.

The lease contract request may include information on a real estate desired by the landlord to be rented (hereinafter referred to as rental desired real estate information), and may include, for example, address information, area information, structure information, facility information, Contract condition information, and the like.

Accordingly, the rental management company server 300 can determine the base rental price, which is the rental value of the real estate, by evaluating the value of the rental desired real estate on the basis of the rental desired real estate information.

Also, the lease agreement request may include information on a lease deposit amount (hereinafter referred to as a desired lease deposit) amount of the lease desired by the landlord, which is desired to be set as a lease contract with the lease management company, and lease rent (hereinafter, . ≪ / RTI >

In this case, according to one embodiment, the amount of the desired rental deposit of the landlord and the desired rent lease amount may be different from the desired rent deposit amount and the desired rent lease amount of the tenant to rent the desired lease.

Accordingly, the rental management vendor server 300 refers to the predetermined procurement interest rate and the reference lease price of the lease desired real estate, thereby determining whether the lease deposit amount of the leaseholder and the desired lease rent amount are suitable for the lease contract to be concluded Can be determined.

The procurement rate is the target rate set by the leasing agent itself to guarantee the profit of the leasing agent, and the lease monthly payment amount to be paid to the landlord for the lease deposit amount received by the leasing agent from the leasing agent in the future .

If the desired rental deposit amount and the desired rent lease amount are not suitable, the rental management company server 300 negotiates the desired rental deposit amount and the desired rental lease amount with the landlord through the rental terminal 100, Of course.

Thereafter, the rental management vendor server 300 sets the desired rental deposit amount and the desired rental lease amount determined to be appropriate as the rental deposit amount at the time of the lease contract and the initial rental deposit amount and the initial rental rental amount , And the lease contract can be completed and processed.

Thus, a landlord who intends to start a lease can lease the property with his / her desired lease condition, and the landlord who is in the lease transaction can freely change the lease condition that he / she has completed to his / her desired lease condition.

In addition, since the landlord only leases the leasing contract with the leasing contractor on his own terms, he or she does not have to coordinate with the tenant and adjust according to the inconsistency of the contract. The contract between the landlord and the leasing contractor and the contract between the tenant and the leasing contractor to be described later are totally separate contracts, so that the landlord and the tenant can respectively contract with the leasing manager according to their own desired conditions, It is to be understood that the conditions of the lease agreement and the lease agreement to be concluded in accordance with the desired condition and the desired condition of the tenant and the desired condition are different from those of the present invention.

For example, if a landlord wishes to have a deposit of 500 million won and a monthly rent of 1.5 million won, and the tenant hopes for a deposit of 400 million won and a monthly rent of 1.89 million won, A deficient tenant is able to sign a contract with the leasing manager on his own terms without having to use the loan product.

According to one embodiment of the present invention, when the leasing management company server 300 completes the lease with the landlord, the lease management company server 300 transmits a guarantee item You can join.

When the rental management company server 300 completes the lease with the landlord, the bank server 400 requests the initial rental deposit amount corresponding to the lease and the initial rental amount from the management account of the rental management company It can be processed to pay to the landlord's account.

The rental management vendor server 300 may receive from the rental terminal 100 a rental deposit change request to increase or decrease the rental deposit amount corresponding to the rental contract during the lease term with the landlord, The amount of the lease deposit that is settled on the lease contract of

At this time, upon receipt of the rental deposit change request for increasing the rental deposit money amount, the rental management company server 300 causes the bank server 400 to transfer the rental deposit amount as much as the increased rental deposit money from the management account of the rental management business entity Of the total amount of money to be paid to the landlord, which has the advantage that the landlord can easily procure the necessary funds.

In addition, the rental management company server 300 changes the corresponding rental deposit in accordance with the request of the rental tenant to change the rental deposit, and then applies the conversion rate between the rental deposit and the rental period set by the rental management company, (Hereinafter referred to as "variable rent lease money").

In addition, the rental management company server 300 can set a lease fee, which is a transaction fee for a lease with the landlord, so that the landlord can process the lease fee to the management account of the lease manager It is possible.

The rental management vendor server 300 according to an embodiment can receive a lease contract request signal from a lessee terminal 200 that has not yet entered a lease contract, that is, not a lease transaction.

Also, according to one embodiment, the rental management vendor server 300 may receive a rental agreement request signal of a tenant who has made a lease agreement, that is, a tenant who is in a lease transaction, through the tenant terminal 200.

The lease agreement request is information of the real estate desired by the tenant to be rented and includes the information of the real estate for which the standard rental price has been set in the process of completing the lease contract with the landlord in advance And may include information about the current tenancy of the tenant and information about the existing lease terms for the tenant.

Also, the lease agreement request includes rent information (hereinafter referred to as an initial rental deposit) amount information and rent information (hereinafter referred to as an initial rent information) amount information of a desired rental property desired by a tenant to set as a rental contract condition with the rental agent .

According to one embodiment, the initial lease deposit amount and the initial lease monthly rent amount may be the same as the previous month's lease conversion rate set by the leasing management company based on the reference lease price of the real estate, That is, it may be calculated as the tenant start conversion rate, which is the conversion rate between the lease deposit and the rent period applicable at the start of the lease.

Thereafter, the rental management vendor server 300 determines the initial rental deposit amount and the initial rental monthly rental amount as the rental deposit amount at the time of the lease contract and the lease monthly rental amount, and can process the completion of the rental lease.

As a result, the tenant who wants to lease a certain real estate can lease the real estate with his / her desired lease condition, and the tenant who is in the lease transaction can freely change the lease condition that is completed to the desired lease condition.

According to an embodiment of the present invention, when the leasing management company server 300 completes a lease with a tenant, the leasing management server 300 determines whether or not the lease management contractor has a guarantee product that guarantees that the lease deposit is returned to the tenant in accordance with the lease agreement You can join.

When the rental management company server 300 completes the tenancy agreement with the tenant, the rental management company server 300 requests the tenant to pay the initial rental deposit amount and the initial rental monthly rental amount corresponding to the rental agreement to the management account of the rental management company can do.

The rental management vendor server 300 can receive a request for changing the rental deposit to increase or decrease the rental deposit amount corresponding to the rental agreement from the rental tenant terminal 200 during the rental agreement period with the lessee, The amount of the lease deposit prescribed in the lease contract of

At this time, upon receipt of the lease deposit change request for reducing the lease deposit amount, the rental management company server 300 causes the bank server 400 to transfer the lease deposit amount as much as the lease deposit amount from the management account of the lease management company Of the account to be paid to the tenant, which allows the tenant to easily procure the necessary funds.

In addition, the rental management company server 300 changes the lease deposit according to the lease deposit request change request of the tenant, and then applies the conversion rate between the lease deposit money and the lease monthly rent set by the lease management company, (Hereinafter referred to as "variable rent deposit") amount corresponding to the amount of money (hereinafter referred to as "variable rental deposit").

In addition, the rental management company server 300 can set a lease fee, which is a transaction fee for a lease with the tenant, so that the tenant is allowed to pay the lease fee to the management account of the rental management company It is possible.

According to one embodiment, the leasing agent server 300 may conclude a credit enhancement arrangement with a credit enhancement agency in advance via a credit augmentation agent server (not shown), so that the balance deposited in the management account If the rent is less than the amount required to pay the rental amount and return the rental deposit amount, the deficit amount may be supplemented by financing from the credit enhancement institution.

According to one embodiment of the present invention, the rental management company server 300 can select one or more financial managers who provide financial products capable of managing the deposited funds in the management account of the guarantee goods or the rental management business have.

Hereinafter, for convenience of explanation, a bank operating a bank server 400 of the present invention is selected as a financial manager to be a transaction target, but the present invention is not limited to this, and a separate management company such as a guarantee company, a securities company, The fund manager can also be selected for the transaction.

According to one embodiment, when the selected money manager is a bank that operates the bank server 400, the rental management agent server 300 transmits a subscription request corresponding to one or more of the guaranteed goods and financial products provided by the bank To the bank server 400, the user can subscribe to the guaranteed product and the corresponding financial product.

Thereafter, the rental management company server 300 receives from the bank server 400 at least one of the guarantee information on the assurance product subscription and the operation status information of the funds entrusted to the bank by the leasing management company in accordance with the financial product subscription It is possible.

According to an embodiment of the present invention, the rental management company server 300 transmits the guarantee information and the money operation status information received from the bank server 400 to the rental terminal 100 and the tenant terminal 200).

The bank server 400 can open one or more of the tenant's account, the tenant's account, and the management account, which is the account of the tenant management company, in which the money of the tenant securing service is deposited, And may be a server operated by a bank to be executed.

According to one embodiment, the bank server 400 may pay a certain amount of the amount deposited in the management account to the account of the landlord and the account of the tenant in response to a request from the rental management vendor server 300, A certain amount of money may be received from the account of the account and deposited.

In addition, the bank server 400 according to an exemplary embodiment of the present invention may calculate the amount of money deposited in the management account, such as the amount of the rental deposit paid by the lessee, A certain percentage of the amount may be treated as being obligatory deposit in the management account.

In addition, the bank server 400 according to an exemplary embodiment of the present invention transmits one or more pieces of the guaranteed goods and financial products provided by the bank to the rental management server server 300, And processes it.

Accordingly, the bank server 400 may transmit the information related to the assurance product and the financial product subscribed by the leasing management company to the leasing management company server 300.

2 is a diagram illustrating a configuration of a rental management server server 300 according to an embodiment of the present invention.

Referring to FIG. 2, a rental management company server 300 according to an embodiment of the present invention includes a database 310, a landlord management unit 320, a tenant management unit 330, a money management unit 340, a control unit 350, And a communication unit 360.

First, the database 310 stores information related to a landlord who uses the deposit-benefit securitization service of the present invention, information related to the tenant, and information related to the rental property that the rental management business server 300 rents from the landlord to the tenant More than one day can be saved.

The landlord information may include at least one or more names of the landlord, contact information, address information, account information, and lease information to be concluded through the landlord management unit 320.

In addition, the tenant information may include at least one or more names of the tenant, contact information, address information, account information, and lease agreement information to be concluded through the tenant management unit 330.

In addition, the rental property information may include one or more of the address information, the area information, the structure information, the facility information, and the reference rental price information, which is the rental price calculated through the later landlord management unit 320,

According to one embodiment, the rental management vendor server 300 may apply and store changes in information stored in the database 310 in real time.

Accordingly, the landlord information, tenant information, rental property information, and the like stored in the database 310 may be periodically updated.

The landlord management unit 320 can process the processes related to the real estate transaction between the landlord and the leasing manager who intend to use the security deposit service of the present invention.

According to an embodiment of the present invention, the LAN manager 320 may include a rental contract processor 321, a rental deposit management unit 322, a rental monthly rental management unit 323, and a rental fee management unit 324.

First, the lease contract processing unit 321 can perform a process of self-setting a reference lease price of a property to be rented to a leasing company by a landlord, and concluding a lease contract with the landlord based on the criteria.

Specifically, the rental contract processing unit 321 can receive a lease contract request signal from the landlord's terminal 100.

In this case, according to one embodiment, the landlord can be a new landlord who has not concluded a lease agreement, that is, a landlord who is not in a lease transaction, and intends to newly contract the lease through the rental management company server 300 have.

According to another embodiment of the present invention, the landlord is a landlord who has already entered into a lease agreement, that is, a landlord under a lease transaction, and the contract conditions (lease deposit amount, lease rent amount, etc.) May be an existing landlord who wishes to enter into a lease agreement to make a change through a deposit securitization service.

Accordingly, the rental agreement request signal may include one or more rental property information of the landlord, desired rental deposit amount information, desired rental lease amount information, and existing rental contract condition information.

Thereafter, the rental contract processing unit 321 according to an embodiment of the present invention collects real estate quotation information of the area where the desired lease is located, through an external real estate quotation information providing server (not shown) By analyzing the location condition, the monetary value of the lease desired real estate can be evaluated based on the ticker information and the location condition.

Accordingly, the lease contract processing unit 321 can set the reference lease price, which is the lease price when the lease desired real estate is traded for the entire lease.

According to one embodiment, in order to determine whether the desired lease deposit amount and the desired lease monthly rent amount are appropriate for concluding a lease contract, the lease contract processing unit 321 transmits the determined lease base price to the lease lease (Hereinafter referred to as "landlord-initiated conversion rate") corresponding to the amount of the deposit money and the desired lease monthly rent amount.

For example, the standard lease price of a specific rental desired real estate may be 1 billion KRW, and the landlord may wish to rent the rental real estate with a rental fee of 3 million KRW without a rental deposit. Accordingly, the lease contract processing unit 321 can calculate the conversion rate at the time of converting the standard lease price of 1 billion Yuan to the desired lease monthly rental amount of 3 million Yuan at an annual rate of 3.6%.

The lease contract processing unit 321 may then determine the desired lease deposit amount and the desired lease rent amount as a suitable amount that can be leased if the lease conversion rate is lower than a predetermined procurement interest rate.

For example, the leasing agent may set the procurement rate to 3.8% in advance, and the landlord-initiated conversion rate for a specific landlord's lease request may be 3.6%. Accordingly, the lease contract processing unit 321 can determine the amount of the desired lease deposit and the desired lease monthly rent according to the lease request as an appropriate amount to which the lease can be concluded.

According to an embodiment of the present invention, when the landlord-initiated conversion rate is higher than a predetermined procurement rate, the rental-contract processing unit 321 determines that the landlord-initiated conversion rate is lower than the procurement rate, The rental terminal 100 may transmit a request signal for changing the desired rent lease amount.

Accordingly, the rental contract processing unit 321 receives the rental signal of the landlord for the request for changing the desired rental deposit amount and the desired rental lease amount, so that the desired rental deposit amount and the desired rental lease amount can be contracted It can be tuned to an appropriate amount.

In addition, according to an embodiment of the present invention, the lease contract processing unit 321 may lower the starting conversion rate with the landlord through the landlord's terminal 100 even when the landlord-initiated conversion rate is calculated to be lower than the predetermined procurement interest rate , It is possible to further secure the profit of the rental management company.

According to one embodiment, the landlord-initiated conversion rate may be set according to the extent to which the lease manager takes over the counterparty risk related to the return of the deposit and the lump-sum payment to the landlord,

Thereafter, the lease contract processing unit 321 sets the desired lease deposit amount and the desired lease rent amount determined according to the appropriate lease starting conversion rate as the initial lease deposit amount and the initial rental lease amount, respectively, .

In this case, the lease contract processing unit 321 according to the embodiment manages the existing lease monthly rent amount paid to the existing tenant account by the tenant corresponding to the existing lease contract, It can also be processed to be deposited into the account.

According to one embodiment, the rental contract processing unit 321 can store the completed rental contract information in the database 310, and accordingly, the information of the real estate leased from the landlord through the rental contract, that is, And may be stored in the database 310.

At this time, the lease contract processing unit 321 may display the stored rental property information through the security deposit service web page and the deposit deregistration service application, and may allow the tenant to inquire and select the displayed rental property information have.

The rental contract processing unit 321 according to an embodiment of the present invention can extend the lease term if the lessee wants to maintain the lease when the lease term of the lessee expires, If it is desired to cancel the lease, the lease process may be terminated and the lease deposit management unit 322 may process the settlement process.

The rental deposit management unit 322 can perform the process of paying or adjusting the lease deposit of the landlord who has completed the lease.

Specifically, in accordance with an embodiment of the present invention, when a lease contract between a landlord and a leasing manager corresponding to a new landlord is completed, the lease deposit management section 322 updates the initial lease deposit amount of the landlord based on the lease contract To be paid from the management account to the new landlord's account.

According to another embodiment of the present invention, when the lease contract between the landlord who corresponds to the existing landlord and the rental management company is completed, the rental deposit management section 322 refers to the existing lease term information of the existing landlord, It is possible to settle the amount of the lease deposit amount corresponding to the changed property.

For example, an existing landlord may have concluded a lease contract with a rental deposit of KRW 200 million and a lease of KRW 2.4 million for a lease on his / her desired lease. At this time, when the existing landlord increases the initial lease deposit amount to 300 million won when the lease contract with the leasing management contractor is made, the lease deposit management section 322 increases the amount of the deposited amount in the management account, To the bank server 400 to the account of the existing landlord.

The rental deposit management unit 322 according to an embodiment of the present invention requests the rental deposit change request, which is a request to change the rental deposit amount set in the lease contract to the rental deposit amount desired by the landlord, And can receive the signal from the landlord terminal 100.

At this time, when the rental deposit change request is a request to increase the rental deposit amount, the rental deposit management unit 322 can process the amount of the increased rental amount from the management account to the account of the landlord, In the case of a request to reduce the amount, the landlord can process the amount of the reduced amount to the management account.

For example, the lease deposit amount may be set at 200 million won as a lease contract. At this time, the landlord can send a request signal for increasing the above-mentioned 200 million won to 300 million won to the rental deposit management unit 322 through the rental terminal 100. The rental deposit management unit 322 causes the bank server 400 to increase the above- , That is, the difference between the amount before the change and the amount after the change, to the account of the landlord.

According to an embodiment of the present invention, when the rental contract of the landlord is canceled through the rental contract processing unit 321, the rental deposit management unit 322 notifies the landlord of the rental deposit amount finally determined in the lease contract And send a signal requesting return to the management account to the landlord terminal 100.

Accordingly, the rental deposit management unit 322 can confirm whether the rental deposit amount returned by the landlord is received through the bank server 400.

The rental lease management section 323 can perform the process of paying or adjusting the lease rent of the landlord who has completed the lease.

Specifically, when the lease agreement between the landlord and the leasing management company is completed, the lease monthly rent management unit 323 causes the bank server 400 to calculate the initial lease amount of the landlord based on the lease contract among the amounts deposited in the management account It can be processed to pay to the landlord's account.

In other words, the landlord will receive his / her monthly rental amount from the leasing agent, not the tenant, so that the landlord can escape from the counterparty risk with the tenant related to monthly payment.

In addition, according to one embodiment, when the rental deposit amount of the rental contract is changed through the rental deposit management unit 322, the rental lease management unit 323 updates the corresponding rental deposit You can set a variable rental lease amount corresponding to the amount.

For example, a leaseholder's lease contract may have a rental deposit of 200 million won, and a lease monthly rent of 2.4 million won. At this time, the landlord can increase the rental deposit amount to 300 million won, and the lease monthly payment management unit 323 reduces the 350,000 won, which is 4.2% of the annual conversion rate, As a result, the variable rent rental amount can be set at 2,050,000 won.

In accordance with an embodiment of the present invention, the rental lease management unit 323 may be adapted to reduce the lease deposit of the landlord, which is the lease deposit applied when raising the lease deposit amount and the lease deposit increase conversion conversion rate, Which is the conversion rate between the rent deposit and the lease monthly rent.

In other words, when the landlord increases the rental deposit amount, the corresponding decrease in the lease rental amount is set to be larger than the increase in the rental lease amount corresponding to the decrease in the rental deposit amount by the landlord, Profit can be guaranteed.

According to an embodiment of the present invention, the landlord deposit increase conversion rate and the landlord deposit reduction conversion rate may be set to be higher than a home loan rate of a commercial bank by a predetermined ratio or more.

In addition, if the landlord wishes to reduce his or her current lease deposit amount to less than the initial lease deposit amount at the time of signing the lease, the landlord's deposit reduction conversion rate will allow the landlord to pay the additional deposit The interest rate on the mortgage loan of the commercial bank may be set to be lower than the interest rate on the mortgage loan of the commercial bank by a predetermined ratio or more in order to prevent the landlord from exploiting the profit margin.

In addition, through the process of changing the lease monthly rent amount, the rate of the lease rental amount to be paid to the lessee based on the lease price of the same property by the lease management company is set to be less than the rate of lease rental amount received from the lessee And it is also possible that profit of the rental management company due to the difference between the lease rental amount and the rent lease amount may occur.

The rental lease management section 323 according to the embodiment transmits to the bank server 400 a signal to request the rental account of the landlord from the management account to pay the lease monthly lease amount of the landlord on a predetermined date every month, You can pay the amount.

At this time, according to one embodiment, the bank server 400 may automatically transfer the lease monthly rental amount of the landlord from the management account to the account of the landlord every month designated by the leasing management vendor.

The rental fee management unit 324 can set the rental fee of the landlord and perform the process of receiving the rental fee.

Specifically, the rental fee management unit 324 may set a lease fee for the lease according to the predefined lease fee conditions for the landlord who has completed the lease.

At this time, the lease fee management unit 324 according to an embodiment of the present invention can set a lease fee for the leased lease when the lease term of the lease expires, for example, The rental fee may be set as a percentage of the average rental rental amount during the period.

Accordingly, the rental fee management unit 324 can transmit a signal to the landlord terminal 100 requesting the rental fee to the landlord to request the rental fee to the management account. The rental fee management unit 324 informs the bank server 400 whether the rental fee has been received .

The tenant management unit 330 can process the process related to the real estate transaction between the tenant and the rental management company who intend to use the deposit security service of the present invention.

According to an embodiment of the present invention, the tenant management unit 330 may include a lease contract processing unit 331, a lease deposit management unit 332, a rent lease management unit 333, and a lease fee management unit 334. [

First, the lease contract processing unit 331 may perform a process of concluding a lease agreement with the tenant.

Specifically, the tenancy agreement processing unit 331 may receive the tenancy agreement request signal from the tenant terminal 200. The tenancy agreement request signal may include the desired tenancy information of the tenant, the desired rental deposit amount information, Monthly lease amount information, and existing lease term information.

According to one embodiment, the tenant may be a new tenant who has not concluded a lease agreement, that is, a tenant who is not in a lease transaction, and who intends to enter a new tenancy agreement through the rental management company server 300 have.

According to one embodiment, in order to transmit a lease contract request signal to the lease contract processing unit 331 through the tenant terminal 200, the new tenant may request the tenant lease contract web page You can choose the rental property you want to rent.

According to an embodiment of the present invention, the rental desired real estate may be a real estate rented from a landlord through the rental management server 320 by the rental management company server 300, .

Accordingly, the new tenant can calculate the desired rent deposit amount and the corresponding rent demanded rent by applying the predetermined starting rent conversion rate to the standard rental price set for the desired rental property.

For example, the tenant conversion rate may be set at 4.2% per annum, and the base rent value of the new tenant's desired lease property may be set at 1 billion won. Accordingly, the new tenant can set the desired rental deposit amount to 800 million won, and calculate the corresponding rental demand amount of 700,000 won.

According to one embodiment, the tenant start conversion rate may be set according to the extent to which the rental management business takes over the counterparty risk related to the return of the deposit to the tenant and the receipt of the monthly rent, and the degree of risk assessment thereof.

According to another embodiment of the present invention, the tenant is a tenant who has already entered into a lease agreement, that is, a tenant who is in a lease transaction, and the contract conditions of the existing lease agreement (lease deposit amount, May be an existing tenant who wishes to enter into a lease agreement to make a change through a deposit service securitization service.

In this case, the existing tenant applies the initial rent conversion price to the lease price of the real estate corresponding to the existing lease agreement or the predetermined lease price set by the lease contract processing unit 331 for the real property, It is possible to calculate the corresponding rental demand for rent.

According to one embodiment of the present invention, the tenant start conversion rate may be differently applied to the new tenant and the existing tenant, respectively.

For example, if a tenant wishing to enter into a tenancy agreement with a leasing agent is a new tenant, the tenant conversion rate of 4.2% per annum may apply to the new tenant. In addition, if the tenant who intends to conclude a lease agreement with the leasing agent is an existing tenant, and if the amount of the lease deposit is to be increased based on the lease contract already established, the lease conversion rate of 3.6% If you intend to reduce it, you may be subject to an annual lease conversion rate of 4.3% per annum.

Thereafter, the lease contract processing unit 331 may set the desired lease deposit amount and the desired lease monthly rental amount as the initial rental deposit amount and the initial lease monthly rental amount, respectively, and process the completion of the rental lease.

In addition, the lease agreement processing unit 331 according to an embodiment of the present invention determines whether to agree to operate the lease deposit amount received from the tenant through the money management unit 340 in accordance with the lease agreement, ) To select from the tenant.

Accordingly, the lease contract processing unit 331 may store the corresponding lease agreement information and the tenant's agreement on the operation of the fund operation in the database 310. [

According to one embodiment, when the tenant contract term of the tenant expires, the tenant contract processor 331 may extend the period of the corresponding tenant contract if the tenant wishes to maintain the tenancy contract, In the case where the desired property is to be changed, the rental condition may be reset so as to correspond to the new rental desired real estate, and the rental money management unit 332 may be settled.

In addition, when the tenant contracting unit 331 desires to terminate the tenancy agreement, the tenancy agreement processing unit 331 may terminate the rental agreement and cause the tenancy deposit management unit 332 to perform settlement processing.

The lease deposit management unit 332 can perform the process of receiving or adjusting the lease deposit of the tenant who has completed the lease.

Specifically, in accordance with an embodiment of the present invention, when the lease agreement between the tenant corresponding to the new tenant and the leasing agent is completed, the lease deposit management section 332 transfers the initial lease deposit amount according to the lease contract to the management account To the tenant terminal 200 of the new tenant.

Accordingly, the lease deposit management unit 332 can confirm whether the initial lease deposit amount is received through the bank server 400.

According to another embodiment of the present invention, when the lease agreement between the tenant corresponding to the existing tenant and the leasing agent is completed, the lease deposit management unit 332 refers to the existing lease term condition information of the existing tenant, When the contract period of the existing lease agreement expires, the existing tenant can process the existing lease deposit amount paid to the landlord corresponding to the existing lease agreement to pay the landlord to the management account.

Thereafter, the lease deposit management unit 332 can settle the amount of the amount of the received lease deposit amount that has been changed to the initial lease deposit amount set according to the lease agreement executed through the lease agreement processing unit 331. [

For example, an existing tenant may have already concluded a lease contract with a lease deposit of 800 million won and a lease monthly rent of 700,000 won for a specific real estate, The above-mentioned 800 million won can be received as a management account. When the existing tenant concludes a lease contract with the leasing contractor, if the lease deposit amount is reduced to 700 million won, the lease deposit management section 332 cancels 100 million won of the amount deposited in the management account And allow the bank server 400 to pay the existing tenant's account.

The lease deposit management unit 332 according to an embodiment of the present invention requests the lease deposit change request to change the lease deposit amount set in the corresponding lease contract to the variable lease deposit amount desired by the tenant during the lease term with the tenant And can receive signals from the tenant terminal 200.

At this time, if the rental deposit change request is a request to reduce the rental deposit amount, the rental deposit management unit 332 can process the amount of the reduced amount to be paid from the management account to the account of the tenant, In the case of a request to increase the amount, the tenant may process the increased amount to be paid to the management account.

For example, the tenant deposit amount may be set at 800 million won as a condition of the tenant's lease contract. At this time, the tenant can transmit a request signal to reduce the 800 million won to 700 million won to the rental deposit management unit 332 through the rental terminal 200, and the rental deposit management unit 332 can calculate the amount of the reduced amount, The bank server 400 may pay the difference of the amount before the change and the amount after the change to the account of the tenant.

According to an embodiment of the present invention, when the tenant's lease contract is canceled through the lease agreement processing unit 331, the lease deposit management unit 332 causes the bank server 400 to transfer the lease amount The tender deposit amount that is finally settled under the contract may be paid to the tenant's account.

In other words, the tenant receives his / her rental deposit amount from the rental management company, not the landlord, so that the tenant can escape the counterparty risk with the landlord regarding the return of the deposit.

The lease term rental management unit 333 can perform the process of receiving or adjusting the lease rent of the completed tenant.

Specifically, when the lease agreement between the tenant and the leasing agent is completed, the leaseholder's monthly rent management unit 333 sends a signal to the tenant terminal 200 to request the tenant to pay the initial lease monthly rental amount based on the lease agreement to the management account, And the bank server 400 can confirm whether or not the initial lease monthly payment amount is received.

According to an embodiment of the present invention, when the tenant to which the lease agreement is concluded is an existing tenant, the lease term rental management unit 333 causes the bank server 400 to transfer the existing lease rent according to the existing lease agreement of the existing tenant The amount of money may be paid to the account of the landlord corresponding to the existing lease agreement.

At this time, the existing lease monthly rent may be paid every month on a specified date during the lease term in which the tenant rents the real estate corresponding to the existing lease.

According to one embodiment, when the lease deposit amount of the corresponding lease contract is changed through the lease deposit amount management unit 332, the lease monthly rental management unit 333 updates the lease deposit amount corresponding to the conversion rate between the predetermined lease deposit and the lease term rent The corresponding variable lease monthly rent amount can be set.

For example, the leaseholder's lease deposit may amount to 800 million won, and the lease monthly rent may be 700 thousand won. At this time, the tenant can reduce the rental deposit amount to 700 million won, and the lease monthly rental management section 333 charges 435,500 won, which is 5.25% annual conversion rate, to 100 million won, , It is possible to set the variable lease monthly amount at 1,137,500 won.

According to an embodiment of the present invention, the lease term rental management unit 333 may be adapted to increase the lease deposit amount of the leaseholder's deposit reduction ratio, which is the lease deposit to be applied when reducing the lease deposit amount, Which is the conversion rate between the lease deposit and the lease monthly rent.

In other words, when the tenant reduces the lease deposit amount, the corresponding increase in the rental lease amount is set to be larger than the decrease in the lease rental amount corresponding to the increase in the lease deposit amount by the tenant, Profit can be guaranteed.

In addition, through the process of changing the lease monthly rental amount described above, the rental ratio of the lease rental amount received from the tenant based on the lease price of the same property is set higher than the lease rental amount paid to the lessee And it is also possible that profit of the rental management company due to the difference between the lease rental amount and the rent lease amount may occur.

According to an embodiment of the present invention, the tenant deposit increase conversion rate and the tenant deposit reduction conversion rate may be set within the upper limit of the HOA.

In addition, if the tenant wishes to increase his or her current lease deposit amount to be higher than the initial lease deposit amount at the conclusion of the lease contract, the lease deposit increase conversion rate will allow the lessee to pay the additional deposit amount The interest rate may be set to be lower than a predetermined rate of the mortgage loan rate of a commercial bank in order to prevent a leaseholder from misusing such a gain.

The rental lease management unit 333 according to an embodiment transmits a signal to the tenant terminal 200 to request the lease monthly payment amount to the management account on a predetermined date each month, You can receive the money.

At this time, according to one embodiment, the bank server 400 may automatically transfer the lease monthly rent amount from the tenant's account to the management account every month designated by the leasing management vendor.

The rental fee management unit 334 can set the rental fee of the tenant and can carry out the process of receiving the rental fee.

Specifically, the rental fee management unit 334 may set a lease fee for the tenant who has completed the lease agreement in accordance with the predetermined lease fee eligibility condition.

At this time, the rental fee management unit 334 according to the embodiment of the present invention can set the rental fee for the expired rental agreement when the rental period of the tenant has expired. For example, A certain amount of the average value of the lease deposit amount changed during the lease may be set as the lease fee.

Accordingly, the rental fee management unit 334 can transmit to the tenant terminal 200 a signal for requesting the tenant to pay the rented fee to the management account, and can confirm whether the rental fee is received or not, .

The money management unit 340 can manage the deposited funds in the management account of the rental management company through various assurance products and financial products and can carry out the process of providing the rental model of the rental management business to the landlord and the tenant.

According to an embodiment of the present invention, the money management unit 340 may include a money management company selection unit 341, a money management product registration unit 342, and a money management information providing unit 343.

First, the fund manager's office (341) provides a guarantee product for protecting the rights of the leaseholder's lease deposit and the tenant's lease deposit, and a financial product capable of operating the deposited funds in the management account of the leasing agent The above-mentioned money manager can be selected as a transaction target.

Specifically, the fund manager 341 can receive the guarantee product information and the financial product information provided by the respective fund managers from various funds manager servers (not shown) such as a bank, a guarantee company, a securities company, a fund manager, .

The guaranteed product may be a commodity that guarantees that the leasing agent pays the lease deposit to the landlord pursuant to the lease contract completed or guarantees to return the lease deposit to the tenant in accordance with the lease contract completed.

In addition, the financial product may include at least one of a deposit product, a savings product, an insurance product, a fund product, a stock product, a bond product, etc. Accordingly, the financial product information may include a return rate information, Information, and the like.

The fund manager selection unit 341 according to the embodiment determines the safety and the profit rate of each of the fund managers based on the guaranteed commodity information and the financial commodity information, .

In this case, according to an embodiment of the present invention, when one or more financial supervisors are selected as a transaction target, the money manager selection unit 341 transmits information of the corresponding money manager to the tenant management unit 330, ) May have the tenant choose to agree to operate the lease deposit through the funds manager.

The fund management product subscription unit 342 may perform the subscription process for the guarantee goods or the financial products of the fund manager selected as the transaction target through the fund manager selection unit 341. [

Hereinafter, for convenience of explanation, a bank operating a bank server 400 of the present invention is selected as a financial manager to be a transaction target, but the present invention is not limited to this, and a separate management company such as a guarantee company, a securities company, The fund manager can also be selected for the transaction.

Specifically, according to one embodiment, the money management product subscription unit 342 can select a specific guarantee product by itself referring to the guarantee product information received from the bank server 400, and according to another embodiment, The guarantor product information may be transmitted to the tenant terminal 100 and the tenant terminal 200 to select a specific guarantee product from each of the landlord and the tenant.

Thereafter, the money management product subscription unit 342 may transmit a signal requesting subscription to the selected assurance product to the bank server 400. The assurance product subscription request may include information on the lease management vendor, selected guarantee product information, Information, lease agreement information, etc., at least one day.

Accordingly, the fund management product subscription unit 342 can receive a signal from the bank server 400 to request payment of a guarantee fee corresponding to the guarantee product requested for subscription, The money can be processed to be paid to the account specified by the bank server 400.

In addition, the money management product subscription unit 342 according to an exemplary embodiment may select one or more financial products by referring to the financial product information received from the bank server 400. According to another embodiment, 100 and the tenant terminal 200 to thereby select one or more financial products from each of the landlord and the tenant.

The fund management product subscription unit 342 may transmit a signal requesting subscription to the selected financial product to the bank server 400. The financial product subscription request signal may include information on the rental management vendor, selected financial product information, Information, and the like.

According to one embodiment, the trust fund may include at least one or more of the interest, the lease rent, and the difference between the lease rents, which are generated from the management account, as part of the funds available in the management account.

In addition, according to an embodiment of the present invention, when the tenant agrees to operate the tenancy deposit through the money manager at the time of the tenancy contract, the tenancy deposit may further include the tenancy deposit paid to the management account by the tenant have.

Accordingly, the fund management product subscription unit 342 can receive a signal requesting payment of the trust fund amount corresponding to the requested financial instrument from the bank server 400, It is possible to process the amount corresponding to the trust fund to be paid to the account designated by the bank server 400.

At this time, the operable amount deposited in the management account may include one or more of interest, lease rent, and lease difference between the interest in the management account and the lease. When the tenant concludes the lease contract, If agreed, it may also include a tenancy deposit paid to the tenant by the tenant.

The fund management information providing unit 343 may provide the assurance product related information and the financial product related information that have been subscribed through the fund management product subscription unit 342 to the landlord and the tenant as a credit model of the leasing management company.

Specifically, the money management information providing unit 343 can receive, from the bank server 400, the information on the completion of the guarantee product subscription for each lease contract and each lease contract, that is, the guarantee product subscription information.

Then, the fund management information providing unit 343 may transmit the assurance product subscription information of each lease contract to the landlord's terminal 100 of the landlord, the assurance product subscription information of each lease contract to the tenant terminal 200 of the corresponding tenant have.

Accordingly, the fund management information providing unit 343 can allow each landlord and each tenant to immediately confirm the guaranteed product registration information on the lease contract and lease agreement, thereby increasing the reliability of the leasing management company.

In addition, the fund management information providing unit 343 according to an embodiment of the present invention includes information on the completion of one or more financial product subscription information (hereinafter referred to as financial product subscription information) and status information on which the trust fund corresponding to the financial product is operated (Hereinafter referred to as "money operation status information") from the bank server 400.

The fund operation status information may include one or more of total operation period information, accumulated profit amount information, real-time return information, and expected return information.

According to one embodiment, the fund management information providing unit 343 collects and analyzes the funds management status information of one or more financial products and analyzes the total amount of the trust fund of the leasing management company, that is, Amount, total return, and total expected return.

Then, the fund management information providing unit 343 transmits the total accumulated profit amount information, the total return rate information, the total estimated return rate information, and the like to the rental terminal 100 and the tenant terminal 200 with respect to the total amount of the trust fund of the rental management company And it is advantageous that the financial credibility of the leasing agent can be secured from the landlord and the tenant.

The control unit 350 according to one embodiment may perform a function of controlling the flow of data between the database 310, the landlord management unit 320, the tenant management unit 330, the money management unit 340, and the communication unit 360 . That is, the control unit 350 according to the present invention can control the database 310, the landlord management unit 320, the tenant management unit 330, the money management unit 340, and the communication unit 360 to perform unique functions .

The communication unit 360 according to one embodiment enables communication between the rental management vendor server 300, the external server, and the external device. Specifically, the rental management company server 300 enables communication with the landlord terminal 100, the tenant terminal 200, and the bank server 400 as the landlord.

3 to 7 illustrate a process of providing a security deposit service for a landlord and a tenant according to an embodiment of the present invention.

Hereinafter, for convenience of explanation, the process of providing a security deposit service for a landlord and a tenant according to an embodiment of the present invention will be described with reference to respective embodiments, but the present invention is not limited thereto.

1st Example

Referring to FIGS. 3 to 5, the rental management company can provide a security deposit service to the landlord and the tenant who intend to initiate the lease through the rental management company.

In order to indicate that different real estate transaction amounts can be set between the landlord and the lessee, the amount of the real estate transaction related to the landlord is referred to as the "first amount" and the amount of the real estate transaction related to the landlord as the "second amount" . That is, the first amount and the second amount may be different from each other.

First, referring to FIG. 3, (1) the leasing management contractor can conclude a lease contract with a landlord who has not previously concluded a lease contract. At this time, the lease contractor can set the contract period with the landlord to be 2 years, and it is possible to estimate the lease price of the landlord who intends to rent the land,

Accordingly, the leasing manager reflects the first desired lease deposit amount and the first desired rental lease amount desired by the landlord within the equivalence range to which the lander conversion rate of 3.6% per annum is applied to the standard lease price, The contract of the lease contract with the amount of KRW 200 million and the initial initial rental amount of KRW 2.4 million can be concluded with the landlord.

② The leasing agent shall pay the first initial lease deposit amount of KRW 200 million and the first initial lease payment amount of KRW 2.4 million in the account of the landlord according to the lease contract concluded in the above ① step .

③ In addition, the leasing contractor may conclude lease agreements with a tenant who has not concluded a lease contract with the real estate leased from the landlord in ① above.

In this case, the lease contractor may set the contract period with the tenant to be one year, and within the equivalent range of applying the starting lease conversion rate of 4.2% per annum to the standard lease price of the relevant real estate, The lease contract with the second initial lease deposit amount of 800 million Yuan and the second initial lease monthly rent amount of 700,000 Yuan can be concluded with the tenant by reflecting the amount of money and the rent amount of the second hope lease.

④ According to the lease agreement concluded in the above ③, the leasing agent can receive from the tenant the second initial lease deposit of 800 million won and the second initial lease monthly salary of 700 thousand won to his management account.

That is, the leasing management company concludes a lease contract between the landlord and the tenant for the same real estate through the steps 1) and 3), respectively, so that the different contract amounts in the steps 2) and 4) Or from the tenant.

Referring to FIG. 4, the rental management contractor may be requested to change the rental deposit amount from the landlord during the lease term.

Hereinafter, for convenience of explanation, the amount before the change is referred to as a " first amount ", and the amount after the change is referred to as a " second amount ".

⑤ According to the embodiment of 1 day, the landlord can ask the leasing agent to increase the amount of the first lease deposit by 100 million won.

⑤-2 According to the increase request of ⑤-1, the leasing agent shall increase the amount of the first lease deposit to 300 million won, and then the first lease monthly amount of 2.4 million won to the increase of the first lease deposit amount to 100 million won , Which is 4.2% per annum. That is, the leasing contractor can change the terms of the lease contract to the second lease deposit amount of 300 million won and the second lease monthly amount of 205 thousand won.

⑤-3 According to the lease contract conditions changed in step ⑤-2 above, the leasing agent may pay the amount of 100 million Won, which is the increase of the first rental deposit among the deposited amount in his management account, to the landlord's account.

⑥-1 According to another embodiment, the landlord can request the leasing agent to reduce the amount of the first lease deposit by 100 million won.

⑥-2 According to the request for reduction of ⑥-1, the leasing agent shall reduce the amount of the first lease deposit to 100 million won, and the amount of the first lease monthly amount of 2.4 million won to the amount of 100 million won Which can be increased by 225,000 won, which is equivalent to 2.7% of the annual rental income reduction ratio. In other words, the leasing contractor can change the terms of the lease contract to the second lease deposit amount of 100 million won and the second lease monthly rental amount of 262,500 won.

⑥-3 According to the lease contract conditions changed in ⑥-2 above, the lease contractor can receive the amount of the reduced amount of the first lease deposit of 100 million won from the landlord to his management account.

⑦ Through the process described above, the landlord can freely change his / her lease terms during the period of the lease contract without any process such as the consent of the tenant and the adjustment of the lease deposit with the tenant when the lease deposit is changed, The liquidity of funds can be secured even during the contract period. In addition, even if the landlord changes the terms of the lease with the leasing agent from time to time, the terms of the lease between the tenant and the leasing agent are not affected and can be maintained. .

Referring to FIG. 5, the rental management company may be requested to change the rental deposit amount from the tenant during the lease term.

Hereinafter, for convenience of explanation, the amount before the change is referred to as a " first amount ", and the amount after the change is referred to as a " second amount ".

⑧-According to one embodiment, the tenant may request the leasing agent to reduce the amount of the first lease deposit by 100 million won.

⑧-2 According to the request for reduction of ⑧-1, the rental management agent reduces the amount of the first lease deposit to 700 million won, and then the first lease monthly amount of 700,000 won to the amount of 100 million won Which can be increased by 435,500 won, which is 5.25% annually. In other words, the leasing contractor can change the terms of the lease contract to the amount of the second lease deposit of 700 million won and the rent of the second leaseholder to 113,575 won.

⑧-3 The lease contractor may pay the amount of 100 million Won, which is the amount of the first lease deposit deducted in his management account, to the tenant's account in accordance with the lease contract conditions changed in ⑧-2 above.

⑨-1 According to another embodiment, the tenant may request the leasing agent to increase the amount of the first lease deposit by 100 million won.

⑨-2 In response to the increase request of ⑨-1, the leasing agent shall increase the amount of the first lease deposit to 900 million won, and then the first lease monthly amount of 2.4 million won to the amount of the first lease deposit increased to 100 million won It can be reduced by 225,000 won, which is 2.7% of the annual rent increase rate. In other words, the leasing contractor can change the terms of the lease contract to 900 million won for the second lease deposit and 475 thousand won for the second lease.

⑨-3 According to the condition of the lease contract changed in ⑨-2 above, the lease contractor can receive the amount of the increase of the first lease deposit from the tenant to his management account.

⑩ Through the above procedure, the tenant can freely change his / her lease terms during the term of the lease without changing the agreement of the landlord and the change of the lease deposit with the landlord when the lease deposit is changed, The liquidity of funds can be secured even during the contract period. In addition, even if the tenant changes the terms of lease with the leasing agent from time to time, the terms of the lease with the landlord and the leasing agent are not affected and can be maintained. Therefore, .

Second Example

Referring to FIG. 6, the leasing management contractor may delegate the leasing contract to the leasing management contractor after a certain period of time at the time when the leasing contract is commenced, to conclude a lease contract with the landlord and the tenant to change the terms of the leasing contract have.

① The landlord may have leased the real estate to the tenant by concluding a lease contract with the tenant with the lease deposit amount of 800 million won and the lease monthly rent amount of 700,000 won for the real estate with the standard lease price of 1 billion won. It is possible to pay the rental deposit amount of 800 million Yuan to the landlord and pay the rent monthly rent amount 700 thousand Yuan periodically.

According to the embodiment, the landlord can request the rental management contractor to conclude a lease contract to increase the lease rental amount by reducing the rental deposit amount to 200 million won, The lease termination conversion rate is 3.6% per annum at the price of 1 billion won, so the lease contract can be concluded with the lease deposit amount of 200 million Yuan and the monthly lease amount of 2.4 million Yuan. At this time, the landlord may conclude a lease contract to increase the lease deposit amount.

Accordingly, the rental management company can receive from the landlord a management fee of 600 million won, which is the amount equivalent to the reduction of the rental deposit amount of 800 million won in the above step 2 to the rental deposit of 200 million won in the above-mentioned step .

③-2 Due to this, after completion of the lease contract, the lease contractor will receive from the tenant the rental lease amount of 700,000 won set out in the above ① step as the management account of the lease management company. However, Of the total amount of the lease money that was changed in the above ③-1 step. In other words, the leasing contractor will take the chaperone debt from the tenant to the landlord, and in return, acquire the same amount of the chime from the tenant.

④-1 According to another embodiment, the tenant can request the rental management contractor to conclude a lease contract to reduce the lease rental amount by raising the rental deposit amount to 900 million won, By applying the lease conversion rate of 3.6% per annum to the price of 1 billion won, the tenant can conclude a lease contract with the lease deposit amount of 900 million Yuan and the lease monthly rent amount of 300 thousand Yuan. At this time, the tenant may conclude a lease contract to reduce the lease deposit amount.

Accordingly, the rental management company can receive the rental amount of 100 million won, which is the amount of the rental deposit of the amount of 800 million won in the step 2, increased to the rental deposit of 900 million won in the 4-step 1, from the tenant to the management account of the rental management company .

④-2 Due to this, after completion of the lease agreement, the leasing agent will receive the lease monthly amount of 300,000 won, which was changed in step ④-1, from the tenant into the management account of the leasing company. Of the deposited amount, the monthly rental amount of 700,000 won set out in the above ① step will be paid.

In addition, when the lease contractor expires the contract period of the lease contract at the above step ①, the lease manager will receive the lease deposit of 800 million won paid by the tenant from the landlord at the step ② in the management account. In other words, the lease contractor takes over the debt repayment obligation of the lessee from the landlord, and in return, acquires the same amount of the bond from the landlord as the deposit.

Thereafter, the landlord and the tenant may change their lease terms and lease terms through the lease manager according to the steps 5 to 10 of the first embodiment described above.

Through the settlement securitization service of the present invention, the landlord lowers the rent deposit to increase the lease rent, so that the leaser contracts the lease with the lease condition desired by the user, thereby making stable profit and freely changing the contract conditions. There is an advantage that it is possible to improve the convenience of the apparatus.

In addition, the tenant maximizes the lease deposit according to his / her circumstances and reduces the lease rent corresponding to him / her, so that the lease contract according to the lease condition can be minimized, There is an advantage in that the convenience of financing can be improved.

In addition, the leasing agent sets the conversion rate between lease deposit and lease monthly rent applicable to the lessee, and the conversion rate between lease deposit and lease monthly rent applied to the landlord to be different from each other, There is an advantage in that it is possible to make a profit from the difference arising from the lease by paying the leaseholder the lease amount less than the rented lease amount of the lease, .

FIG. 7 is a diagram illustrating a process in which a security deposit service is provided to a plurality of landlords and tenants according to a third embodiment of the present invention.

Referring to FIG. 7, the rental management contractor according to an embodiment of the present invention contracts a first lease, a second lease, a first lease, and a second lease individually for a first lease and a second lease .

(1) The leasing agent may conclude a first lease contract for leasing the first real estate from the first landlord with the first landlord, and the first lease contract for leasing the first real estate to the first tenant, Respectively.

In addition, the rental management company may conclude a second rental contract for renting the second property from the second landlord with the second landlord, and a second rental contract for renting the second property to the second tenant, You can also sign with the tenant.

For convenience of explanation, it is assumed that the conditions of the first lease contract, the first lease contract, the second lease contract and the second lease contract are all applied equally to a deposit of 500 million KRW and a monthly rent of 1,000 KRW.

According to one embodiment of the present invention, the leasing manager can change the lease terms with the landlord upon request from the landlord, and can change the lease terms with the tenant upon request from either of the tenants have.

At this time, according to one embodiment, the leasing manager can apply a different previous month conversion rate for each case when the landlord increases or decreases the lease deposit amount. Specifically, if the rental deposit amount is increased, the higher conversion rate can be applied.

Also, according to one embodiment, the leasing manager may apply a different previous month conversion rate for each case when the tenant increases or decreases the lease deposit amount. Specifically, a higher conversion rate can be applied if the amount of the tenancy deposit is reduced than when the amount is increased.

In the third embodiment according to Fig. 7, the leasing manager may be requested to reduce the amount of the first lease deposit according to the first lease from the first leaser by 100 million won. Accordingly, the leasing management company can change the conditions of the first lease contract to the first lease deposit of 400 million won and the first lease monthly rent to 1,225,000 won by applying the conversion rate of 2.7% per annum to the above-mentioned 100 million won.

That is, according to the change of the first lease condition, the leasing management company will pay the first landlord 1225,000 won per month instead of immediately receiving the 100 million won from the first landlord.

In addition, the leasing agent may be requested to increase the amount of the first lease deposit from the first tenant according to the first lease contract by 100 million won. Accordingly, the rental management company can change the conditions of the first lease contract to the first lease deposit of 600 million won and the first lease monthly rent to 775 thousand won by applying the conversion rate of 2.7% per annum to the above-mentioned 100 million won.

That is, according to the change in the terms of the first lease, the leasing agent immediately receives the 100 million won from the first tenant and receives 775,000 won per month.

In this case, the leasing agent generates a total deficit of -45,000 won (= 775,000-1,225,000) as the monthly rent for the first real estate.

On the other hand, the leasing manager may be asked to increase the amount of the second lease deposit from the second leaser by 100 million won. Accordingly, the rental management company can change the condition of the second lease contract to 600 million won for the second lease deposit and 650 thousand won for the second lease by applying the conversion rate of 4.2% per annum to the above-mentioned 100 million won.

That is, according to the second lease condition change, the rental management agent immediately gives the second landlord the above-mentioned 100 million won, and will pay 650,000 won monthly.

In addition, the leasing agent may be requested by the second tenant to reduce the amount of the second lease deposit under the second lease contract by 100 million KRW. Accordingly, the leasing agent can change the condition of the second lease contract to 400 million won for the second lease deposit and 143,575 won for the second lease by applying the annual conversion rate of 5.25% per annum to the above-mentioned 100 million won.

That is, the rental management agent will immediately pay the above-mentioned 100,000,000 won to the second tenant in accordance with the change of the second tenancy agreement, and receive 143,7500 won per month from the second tenant.

In this case, the leasing agent may generate a surplus of 787,500 won (= 1,437,500-650,000) as the monthly rent for the second real estate.

As described above, the rental management company generates a deficit of -45,000 won from the first real estate and a surplus of 787,500 won from the second real estate, so that a total profit of 337,500 won can be finally obtained.

In other words, the leasing management company according to an embodiment of the present invention can freely change the security deposit and the rent for a plurality of real estate through a lease contract with a plurality of landlords and tenants, As a result of the securitization, the landlord and the tenant can simply raise funds by changing the terms of the lease contract with the leasing agent without any separate lending procedure through financial institutions such as banks.

In addition, when the lease contractor changes the terms of the lease contract during the term of the lease contract, the lease deposit and lease deposit are increased or decreased, The difference between the amount of rent paid to each of the tenants and the amount of rent received from each of the tenants.

FIGS. 8 to 10 are diagrams for explaining an advantage in terms of a leasing manager when providing a real estate deposit securitization service according to an embodiment of the present invention.

Referring to FIG. 8, the rental management contractor may conclude a first lease contract and a first lease contract with the landlord 1 and the tenant 1 separately for the first property. In addition, the second lease contract and the second lease contract may be concluded with the landlord 2 and the tenant 2 separately for the second real estate.

For the convenience of explanation, it is assumed that the conditions of the first lease contract, the first lease contract, the second lease contract, and the second lease contract are 500 million yen and the monthly rent is 1.5 million won, The conditions can be set differently according to the intention of the landlord and the tenant, and the process of using the financial techniques such as the process of adjusting the inconsistency of the conditions of the desired contract between the landlord and the tenant, As described above.

On the other hand, the conversion rate is 4.75% when the rental deposit is increased according to the intention of the landlord during the period of the lease contract after the lease term begins, and the conversion rate is 2.4% when the rental deposit is reduced. It is assumed that the conversion rate for the month when the tenancy deposit is increased according to the tenant's preference during the period is 2.4%, and the conversion rate for the month when the rental deposit is reduced is 4.75%.

As a result of the first landlord requesting the reduction of the deposit from 500 million to 400 million during the term of the lease contract after the commencement of the lease term for the first real estate, the conversion rate of 2.4% The conditions are changed to 400 million won for rental deposit and 1.7 million won for rent. If the terms of the lease agreement between the first tenant and the leasing agent remain the same, the leasing agent will receive a deposit of 100 million won from the first tenant and receive a monthly rent of 1.5 million won per month from the first tenant. Add 10,000 won to provide the first landlord with a monthly rent of 1.7 million won. Therefore, in the case of a leasing management company, a deposit of 100 million won is secured from the first landlord, and instead of operating it, 200,000 won per month is incurred (-20,000).

On the other hand, as the first tenant requests to increase the deposit from 500 million to 600 million during the term of the lease contract for the first real estate, 2.4% of the previous month's conversion rate is applied when the contract conditions change , And the terms of the contract will be changed to a lease deposit of 600 million won and rent monthly rent of 1.3 million won. If the terms of the lease between the first and the lease contractor remain the same, the lease contractor shall be entitled to a deposit of 100 million won from the first tenant (+1 billion), and a monthly rent of 1.3 million won Add 10,000 won to provide the first landlord with a monthly rent of 1.5 million won. Therefore, from the viewpoint of the leasing management business, it is possible to deposit a deposit of 100 million won from the first tenant, and instead of operating it, the monthly rent of 200,000 won occurs (-20,000).

In addition, when the second landlord requests the rental fee increase from 500 million to 600 million during the lease period after the lease term for the second real estate, if the contract terms are changed, the conversion rate of 4.75% is applied The terms of the contract will be changed to a rental deposit of 600 million won and rental rent of 1.1 million won. If the terms of the lease between the second tenant and the leasing agent remain the same, the leasing agent must draw 100 million won from the second landlord (-100 million won), instead, monthly rent of 1.5 million won Only 2.9 million won will be provided to the second landlord. Therefore, for the rental management business, monthly income of 390,000 won is generated (+39 million). The amount of 100 million won to be drawn out to the second landlord can be covered by the amount deposited from the landlord or the tenant in accordance with the contract change condition of the first real estate. Of course, the lease contractor can secure funds through other routes.

On the other hand, as the second tenant requests to reduce the deposit from 500 million to 400 million during the term of the lease agreement after the start of the lease term for the second real estate, the conversion rate of 4.75% , The terms of the rental deposit will be changed to 400 million won, rent monthly rent is 189 thousand won. If the terms of the lease between the second landlord and the leasing contractor remain the same, the leasing agent must pay 100 million won to the second tenant (-100 million won). Instead, monthly rent received from the second tenant is 1.89 million won Only 1.5 million won can be paid to the second landlord. Therefore, for the rental management business, monthly income of 390,000 won is generated (+39 million). The amount of 100 million won to be deducted from the second tenant can be covered by the amount deposited from the landlord or the tenant in accordance with the conditions of the contract change of the first real estate. Of course, the lease contractor can secure funds through other routes.

In the above example, there is no fluctuation of the asset, that is, the deposit, from the standpoint of the leasing management vendor. However, it is possible to raise the monthly profit of monthly rent by 380,000 won (= 39 + 39-20-20 thousand won) and convert it to annual income to be 4.56 million won (= 3800 won * 12 months).

Next, referring to another example with reference to FIG. 9, as the first landlord requests the reduction of the rental deposit from 500 million to 400 million during the lease term after the start of the lease term for the first real estate, If the change is applied, the conversion rate of 2.4% is applied, and the terms of the contract will be changed to 400 million won for rent deposit and 1.7 million won for rent. If the terms of the lease agreement between the first tenant and the leasing agent remain the same, the leasing agent will receive a deposit of 100 million won from the first tenant and receive a monthly rent of 1.5 million won per month from the first tenant. Add 10,000 won to provide the first landlord with a monthly rent of 1.7 million won. Therefore, in the case of a leasing management company, a deposit of 100 million won is secured from the first landlord, and instead of operating it, 200,000 won per month is incurred (-20,000).

On the other hand, as the first tenant requests to increase the deposit from 500 million to 600 million during the term of the lease contract for the first real estate, 2.4% of the previous month's conversion rate is applied when the contract conditions change , And the terms of the contract will be changed to a lease deposit of 600 million won and rent monthly rent of 1.3 million won. If the terms of the lease between the first and the lease contractor remain the same, the lease contractor shall be entitled to a deposit of 100 million won from the first tenant (+1 billion), and a monthly rent of 1.3 million won Add 10,000 won to provide the first landlord with a monthly rent of 1.5 million won. Therefore, from the viewpoint of the leasing management business, it is possible to deposit a deposit of 100 million won from the first tenant, and instead of operating it, the monthly rent of 200,000 won occurs (-20,000).

In addition, as the second landlord requests the rental fee increase from 500 million to 800 million during the period of the lease contract after the start of the lease term for the second real estate, the conversion rate of 4.75% The terms of the contract will be changed to a rental deposit of 800 million won and rent monthly rent of 310 thousand won. If the terms of the lease between the second tenant and the leasing agent remain the same, the leasing agent must withdraw 300 million won from the second landlord (300 million won), instead, monthly rent of 1.5 million won Only a third of the landlords are allowed to rent a rent to the second landlord. Therefore, for the rental management business, monthly revenue of 1,191,000 won is generated (+119 million). The amount of 300 million won to be deducted from the second landlord can be covered by the amount deposited from the landlords and the tenants in accordance with the terms of the lease agreement and the lease contract. Of course, the lease contractor can secure funds through other routes.

On the other hand, as the second tenant requests the reduction of the deposit from 500 million to 300 million during the term of the lease contract for the second real estate, when the terms of the contract change, the conversion rate of 4.75% is applied The terms of the contract will be changed to 300 million won for lease deposit and 229 thousand won for lease. If the terms of the lease between the second landlord and the leasing agent remain unchanged, the leasing agent must pay the second tenant a total of 200 million won (-200 million won). Instead, monthly rent received from the second tenant is 2.92 million won Only 1.5 million won can be paid to the second landlord. Therefore, for the rental management business, monthly income of 190,000 won is generated (+779,000). The 200 million won to be drawn out to the second tenant may also be covered by the amount deposited from the landlords and tenants in accordance with the terms of the contract of changing the lease contracts and lease agreements. Of course, the lease contractor can secure funds through other routes.

In the above example, the asset from the rental management business, that is, the deposit, is reduced by 300 million, but the monthly rental income can be increased by 158 thousand won (= 119 + 79-20 thousand won) , It will be 18.96 million won (= 158 million won * 12 months). If the lease contractor is insufficient in the amount of 300 million yen, the supplementary amount may be supplemented by securing additional assets through other means such as financing from credit enhancement institutions including the amount deposited through the contract change of multiple lease contracts and lease contracts. have. Even if a loan is received from a credit enhancement institution, the lease management company may generate a profit even in this example because the profit due to the difference in monthly rent is larger than the interest cost of 300 million won.

10, when the first landlord makes a request to reduce the rental deposit from 500 million to 200 million during the lease term after the start of the lease term for the first real estate, , A conversion rate of 2.4% is applied, and the terms of the contract will be changed to a rental deposit of 200 million won and a lease monthly rent of 2.1 million won. If the terms of the lease agreement between the first tenant and the leasing agent are maintained, the leasing agent receives 300 million won (300 million won) from the first landlord and receives 60,000 won per month from the first tenant Add 10,000 won to give the first landlord a rental fee of 2.1 million won. Therefore, instead of securing KRW 300 million in reserve assets, KRW 600,000 per month is incurred (-60,000).

On the other hand, when the terms of the contract are changed, the conversion rate of the previous month is applied to 2.4%, as the first tenant requests to increase the deposit from 500 million to 700 million during the term of the lease contract for the first real estate The terms of the contract will be changed to a lease deposit of 700 million won and a lease monthly rent of 1.1 million won. If the terms of the lease between the first and the lease contractor remain the same, the lease contractor shall be entitled to receive 200 million won from the first tenant (+2.0 billion), and the monthly rent received from the first tenant Add 10,000 won to provide the first landlord with a monthly rent of 1.5 million won. Therefore, instead of securing KRW 200 million reserve assets, KRW 400,000 per month is incurred (-40,000) from the lease management business.

In addition, when the second landlord requests the rental fee increase from 500 million to 600 million during the lease period after the lease term for the second real estate, if the contract terms are changed, the conversion rate of 4.75% is applied The terms of the contract will be changed to a rental deposit of 600 million won and rental rent of 1.1 million won. If the terms of the lease between the second tenant and the leasing agent remain the same, the leasing agent must draw 100 million won from the second landlord (-100 million won), instead, monthly rent of 1.5 million won Only 2.9 million won will be provided to the second landlord. Therefore, for the rental management business, monthly income of 390,000 won is generated (+39 million). The amount of 100 million won withdrawn at this time is first paid from the reserve deposited according to the change of the contract conditions of the first real estate.

On the other hand, as the second tenant requests to reduce the deposit from 500 million to 400 million during the term of the lease agreement after the start of the lease term for the second real estate, the conversion rate of 4.75% , The terms of the rental deposit will be changed to 400 million won, rent monthly rent is 189 thousand won. If the terms of the lease between the second landlord and the leasing contractor remain the same, the leasing agent must pay 100 million won to the second tenant (-100 million won). Instead, monthly rent received from the second tenant is 1.89 million won Only 1.5 million won can be paid to the second landlord. Therefore, for the rental management business, monthly income of 390,000 won is generated (+39 million). The amount of W100mn withdrawn at this time will also be provided first from the deposits secured in accordance with the changes in the terms and conditions of the first real estate.

In this case, in the case of the leasing management business, the asset, ie, the deposit is increased by 300 million (the first landlord deposit of 300 million won + the first tenant deposit of 200 million won, the second landlord withdrawal money of 100 million won, and the second tenant withdrawal money of 100 million won) , But the monthly salary will be 220,000 won per month. The rental management company can generate management profit by investing 300 million won in extra funds in safety assets, and it is possible to obtain management profit larger than the monthly cost of 220,000 won.

As can be seen from FIGS. 8 to 10, each of the landlord and the tenant concludes lease agreements and lease agreements with the leasing management company in accordance with his / her desired conditions, so that procedures and mutual agreements You do not have to go through the process. In addition, the liquidity of funds can be guaranteed since the landlord and the lessee can change the deposit at any time during the contract period after the commencement of the contract period.

On the other hand, in terms of the leasing management business, it is possible to provide a service that allows the landlord and the tenant to conclude a contract under the desired contract conditions, a service that allows the deposit to be changed at any time during the contract period In either case, it will be possible to earn operating income through the income from the monthly rent difference or increased deposits.

FIG. 8 is a diagram illustrating a profit creating structure according to a difference in conversion rate between a rent deposit and a rent amount of a landlord and a tenant according to an embodiment of the present invention.

According to an embodiment of the present invention, when a lease contract is concluded, the lease deposit amount of the landlord, that is, the conversion rate between the lease deposit amount and the lease monthly rent amount (hereinafter referred to as the lease starting conversion rate) The conversion rate between the amount of money and the rental amount of rental money (hereinafter referred to as tenant conversion rate) may be set different from each other.

For convenience of explanation, it is assumed that the total deposit amount of the same property is equal to one billion KRW, the landlord-initiated conversion rate is 3.6%, and the tenant conversion rate is 4.2% per annum.

Referring to FIG. 8, when the landlord and the lessee all lease a lease contract on the condition that the lease deposit amount is equal to one billion KRW, The rent-on-conversion rate is applied to the landlord, and the rental rate of 3 million Yuan is applied to the tenant. The renting rate of 3.5 million Yuan is applied to the tenant. have.

That is, since the starting conversion rate of the tenant is higher than the conversion rate of the starting rate of the landlord, a difference corresponding to the range (A) will occur between the rental amount of the lease deposit and the lease amount of the lease against the lease deposit amount.

Accordingly, the leasing agent can obtain the rental amount of the leaseholder from the leaseholder at a higher rate relative to the rental amount to be paid to the landlord, Of the total amount of profits.

Specifically, in accordance with an embodiment of the present invention, when a leaseholder and a leasing management contractor enter into a lease agreement with each other, the lease contracting condition is a point on the graph corresponding to 3.6% of the lease year, for example, A lease contract can be signed on condition that the rental deposit is 600 million won and the lease monthly rent is 1.2 million won.

In addition, when the tenant and the leasing contractor conclude a lease contract with each other, the lease term is set at a point on the graph corresponding to 4.2% of the lease term, for example, ②, the lease deposit is 600 million won, The lease agreement may be concluded.

In this case, the leasing agent shall, during the term of the lease contract, pay the deposit amount to the management account of the leasing agent if the lessor intends to reduce the lease deposit amount or to increase the lease deposit amount by the lessee, The same conversion rate (for example, 2.7%) can be applied to both the landlord and the tenant.

In addition, if the lessor intends to increase the leasehold deposit amount or to reduce the lease deposit amount, that is, to withdraw part of the deposit from the management account of the leasing management company, Month conversion rate (for example, 4.2% and 4.75%, respectively).

Meanwhile, according to another embodiment of the present invention, the tenant and the leasing manager enter into a lease contract based on a point on the graph line at the slope of 4.2%, while the landlord and the leasing manager enter into a lease agreement with each other The city may be selected from the landlord as a lease contract at a point other than the graph line corresponding to 3.6% per year, for example, a rental deposit of 700 million won and lease monthly rent of 1.5 million won.

In this case, the lease contractor shall, when the landlord and the tenant intend to deposit the deposit in the management account of the leasing agent during the term of the lease contract, the landlord and the tenant shall have the same conversion rate (for example, 3.0%) The lease contract terms can be changed by applying the corresponding conversion rate of the previous month.

In addition, if the lessee and the lessee intend to withdraw a portion of the deposit from the management account of the lease contractor, the lease contractor applies the same monthly conversion rate (for example, 4.75%) to each of the lessee and lessee, It can also be changed.

That is, according to the embodiment of the present invention, the lease manager and the lessee deposit a portion of the deposit through the management account, thereby paying out a portion of the deposit amount , It is possible to apply a higher conversion rate to the previous month if the amount of rental rent is to be reduced or the lease monthly rent is to be increased.

In other words, when changing the terms of the lease contract, the leasing contractor can apply a larger decrease than the increase in the lease amount paid to the landlord, which is larger than the decrease in the lease amount received from the tenant, .

FIG. 12 is a graph showing the conversion rate for the landlord and the lessee of the deposit-type securitization service according to an embodiment of the present invention.

According to an embodiment of the present invention, when a leasing contract is concluded between a leasing management contractor and a landlord, when the lease conversion rate applied to the lease contract and the lease contract between the leasing management contractor and the tenant are concluded, The monthly conversion rate can be set lower than the conversion rate on the market.

For example, as shown in FIG. 12, when the conversion rate on the market is 4.8% per year, the conversion rate for the tenant can be set at 4.2% per year, and the conversion rate for the landlord is set at 3.6% per year .

Accordingly, the leasing management company according to an embodiment of the present invention allows the landlord and the tenant to conclude a lease contract by applying the previous month's conversion rate lower than the on-line conversion rate on the market, And to encourage the tenant to use the deposit security securitization service of the present invention.

Specifically, the leasing manager according to an embodiment allows a tenant to conclude a lease contract based on a lease rental amount lower than the same lease deposit amount by applying a conversion rate lower than the conversion rate on the market, So that the tenant can induce the tenant to utilize the security deposit service of the present invention.

According to the embodiment, the rental management company can minimize the rental deposit amount and maximize the lease rental amount regardless of the tenant's will, even if the landlord conversion rate, which is slightly lower than the conversion rate on the market, The rental income of the landlord can be maximized, so that the landlord can be encouraged to utilize the security deposit service of the present invention.

It will be understood by those skilled in the art that the foregoing description of the present invention is for illustrative purposes only and that those of ordinary skill in the art can readily understand that various changes and modifications may be made without departing from the spirit or essential characteristics of the present invention. will be. It is therefore to be understood that the above-described embodiments are illustrative in all aspects and not restrictive. For example, each component described as a single entity may be distributed and implemented, and components described as being distributed may also be implemented in a combined form.

The scope of the present invention is defined by the appended claims, and all changes or modifications derived from the meaning and scope of the claims and their equivalents should be construed as being included within the scope of the present invention.

Claims (7)

CLAIMS 1. A method for a leasing agent server to provide deposit liquidation services to a plurality of landlords and tenants,
(a) a specific lease deposit and lease monthly payment between tenants and each of the tenants for a plurality of properties, without coordination between the landlord and the tenant, A lease contract is concluded with the lease contract having the contract terms as the contract terms, and a lease contract between the leaseholders and the leasing management contract is made with the specific lease deposit and lease monthly rent (amount deposited each month as the lease person's account) ;
(b) depositing the lease deposit from the tenant's account to the management account of the lease manager in accordance with the tenancy agreement, depositing the lease deposit from the management account of the lease manager into the lease's account in accordance with the lease contract ;
(c) receiving a deposit change request from the landlord terminal or the tenant terminal corresponding to each contract after the lease and lease commencement in accordance with the lease contract and the lease contract, during the lease term or the lease term;
(d) Change the conditions of the contract as the above change request without confirming whether the other party agrees to the change in the security deposit according to the deposit change request. If the request for reduction of the security deposit occurs, the first transfer rate is applied The amount of rental lease payment corresponding to the reduced rental lease amount corresponding to the reduced rental lease amount corresponding to the reduced rental lease amount corresponding to the reduced rental lease amount is calculated, If a request is made, the system calculates the variable lease monthly payment amount corresponding to the lease deposit increased by applying the third month conversion rate, and when the request for reduction of the lease deposit is made, the change corresponding to the lease deposit reduced by applying the fourth month conversion rate Establishing a lease rental amount; And
(e) In accordance with the deposit and monthly rent changes, a deposit request to the management account for the difference in security deposit when the rental deposit is reduced is transferred to the terminal of the landlord, the security deposit difference is increased from the management account to the account of the landlord, A request for transfer of the difference in deposit amount to the management account is transmitted to the tenant terminal and the difference in the deposit amount upon the reduction of the tenancy deposit is transferred from the management account to the tenant's account, And maintaining the contract conditions between the rental management companies as they are,
The second previous month's conversion rate is set higher than the first previous month's conversion rate and the fourth previous month's conversion rate is set to be higher than the third previous month's conversion rate so that the fluctuation range of the rent month's rent at the time of increase is larger than that at the time of decrease, A method of providing a security deposit service in which a change in the lease rent at the time of depreciation becomes larger than when the depreciation of the deposit is equal to the increase in the deposit, The method according to claim 1,
The profit,
The lease monthly rent which is increased by the reduction of the deposit in the conditions of the lease agreement and the difference between the lease monthly rent in the condition of the lease or the rent lease which is reduced by increasing the deposit in the condition of the lease, A method of providing a security deposit service created by a difference. The method according to claim 1,
The profit,
The method of providing a deposit security service, wherein the deposit is increased in the condition of the lease agreement or when the deposit is reduced in the condition of the lease, the return profit is generated by the management income due to the change in the deposit received from the landlord and the lessee. The method according to claim 1,
The terms of the lease and the terms of the lease,
Month conversion rate that is lower than the on-line conversion rate on the market. The method according to claim 1,
Wherein a higher conversion rate is applied at the time of concluding the lease agreement than when the lease contract is concluded. The method according to claim 1,
The lease contract is performed based on the lease term contract condition received from the landlord terminal,
The tenancy agreement is performed based on the lease term contract condition received from the tenant terminal,
Wherein the lease agreement and the lease agreement are concluded in accordance with the terms of the lease agreement and the lease term agreement without the adjustment of the desired agreement condition and mutual agreement between the landlord and the tenant. An apparatus for providing deposit liquidation services to a plurality of landlords and tenants,
For each of the tenants, a specific rental deposit and rental lease (the amount paid monthly from the tenant account to the management account) between each of the tenants and the leasing agent, without coordination between the landlord and the tenant, A lease contract processing unit which concludes a lease contract with the contract terms;
A rental contract processing unit for renting a plurality of real estate through lease contracts in which each of the landlords and the rental management contractor has a specific rental deposit and a rental rent (a monthly deposit amount to the rental account) as a contract condition;
The rental fee is transferred from the management account of the rental management company to the account of the landlord according to the lease contract, and after the lease is started upon the lease contract, When the request for change is received, the tenant changes the lease deposit amount of the lease agreement condition without requesting the tenant's consent to change the lease deposit, and requests the deposit to the management account for the difference in the deposit amount when the lease deposit is reduced To the landlord terminal, and to deposit the difference in security deposit amount in the lease deposit amount from the management account to the landlord's account when the lease deposit is increased;
When the rental deposit is requested to be reduced, a variable rent lease payment amount corresponding to the rental deposit to be reduced by applying the first previous month conversion rate is calculated, and when the request for increase of the rental deposit is made, A lease monthly rental management unit for setting a variable rental lease amount corresponding to the lease deposit to be increased by applying a second previous month conversion rate higher than the conversion rate so that the fluctuation range of the lease rent at the time of increase is larger than that at the time of decrease;
The lease deposit is transferred from the tenant's account to the management account of the lease management company according to the lease agreement, and after the start of the lease according to the lease contract, the lease deposit from the tenant terminal corresponding to the lease agreement When the change request is received, the tenant deposit amount in the lease agreement condition is changed as the lease deposit change request is made, without confirming whether or not the landlord agrees to the property, and a deposit request to the management account for the difference in the deposit amount upon the increase in the tenancy deposit To the tenant terminal, and to deposit the deposit difference amount in the tenancy deposit from the management account when the tenancy deposit is reduced;
If the request for the increase in the lease deposit occurs at the time of the change in the lease deposit, the lease deposit amount corresponding to the lease deposit increased by applying the third transfer rate of the lease is set. If the lease deposit reduction request occurs, the third transfer rate The rental lease management section includes a rental lease management section for making a rental lease monthly rental amount corresponding to the lease deposit reduced by applying the high fourth transfer rate of monthly rent,
Wherein the plurality of the landlord and the tenant are allowed to generate profit by fluctuation of the deposit.

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