KR101887476B1 - Lease renewal system and method based on P2P loan between tenants of joint rental house - Google Patents

Abstract

The present invention relates to a lease renewal system based on a P2P loan between tenants of a rental house and a method for the same and, more specifically, to a system and a method for recreating a rental contract by receiving a loan at a middle interest rate within a share between tenants residing in a rental house and reflecting a loan and an interest. According to an embodiment of the present invention, the lease renewal system based on a P2P loan between tenants of a rental house comprises: a creditor tenant terminal inputting a loan condition including the loan which a tenant borrows by connecting to a P2P mediation server and paying rent on a renewal rental contract in accordance with the loan when the loan is received from a lender tenant; a lender tenant terminal inputting the loan condition including the loan which the lender tenant lends, by connecting to the P2P mediation server and paying the rent on the renewal rental contract reflecting the loan condition by depositing the loan to an account of a creditor tenant when a loan contract is made; a lease management server recreating the rental contract reflecting the loan condition of the loan contract; and the P2P mediation server forming a vector of each element of the loan condition by each loan condition in multiple axes in multiple dimensions and creating the loan contract by matching loan conditions of the lender and the creditor based on the multi-dimensional vector and connecting the lender tenant terminal and the creditor tenant terminal.

Description

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a P2P loan renewal system and method,

The present invention relates to a system and method for re-leasing a lease based on a P2P loan between tenants of a lease house, and more particularly, to a system and a method for renewing a lease according to a rent- And to a system and method for rewriting a contract.

Generally, in the case of a financial loan, the debtor can only receive a loan if he or she guarantees the repayment of the loan for the repayment of the loan, and the creditor can loan it only if it can secure the principal and interest in any form.

Meanwhile, the conventional rental deposit and lease deposit mortgage management method is a method of managing a rental deposit for renting a house or a building to which a tenant who has applied for a lease for a part or all of a house or a building is paid to the landlord, And a loan application step of applying for a tenancy guarantee mortgage on the basis of monthly rent; When a tenant applies for a loan, the financial institution reviews the loan based on the personal credit rating and the financial transaction details, and the loan examination stage that consists of the document preparation stage in which the tenant prepares the loan document according to the result of the loan examination ; For the housing provided by the financial institution for the mortgage loan, the leasehold of the tenant, lease deposit, lease deposit and foreclosure from the management office, wide-area management or general LH corporation, SH corporation, The right to investigate whether or not the right to lease deposit is violated by confirming whether or not the other bonds are transferred; A bond preservation step of notarizing the promissory notes and money consumption bills issued by the tenant through a joint law office or the like and notifying the lessee of the transfer of the loan receipt by proof of contents or proof of delivery; And a loan execution step of depositing the money into the tenant account at the financial institution or depositing the loan to the account designated by the tenant to execute the loan.

However, according to the prior art rental deposit and lease deposit management method, the tenant who is the borrower who wants to receive the loan can not receive the loan when the credit rating is low and the borrower can not receive the loan after the borrower has already completed the lease contract. In order to receive a loan, the landlord needs permission or a document issued by the landlord is necessary, and the landlord can not receive the loan if the landlord does not cooperate.

Publication No. 10-2009-0001739 (Published on January 09, 2009)

SUMMARY OF THE INVENTION Accordingly, the present invention has been made in an effort to solve the above-mentioned problems, and it is an object of the present invention to provide a method and apparatus for providing a rental service to a tenant residing in a rental house, And the rental management server can make a loan within the self-contribution, so that the tenant who can borrow the loan principal can collect the loan principal without trouble. The rental contract renewal system according to the P2P loan And a method thereof.

According to another aspect of the present invention, there is provided a lease renewal system according to an exemplary embodiment of the present invention, wherein the lease renewal system comprises: A plurality of rental tenant terminals that enter a rental condition including a loan to be borrowed and pay a rental fee (monthly rent) on a renewal contract of a rental contract when the borrower receives the loan from the tenant;

As a terminal used by the tenant residing in the rental housing, a user enters a loan condition including a loan to be borrowed by accessing a P2P brokerage server, deposits the loan to the account of the borrower when the loan contract is concluded, A plurality of rental tenant terminals for paying the rent (monthly rent) on the rental contract;

A server for managing the rental housing, the server comprising: a rental management server for re-creating a rental contract reflecting rental conditions of the rental contract; And

The rental condition of the borrower is matched to the borrower's loan condition on the basis of the multidimensional vector by multiplying each element of the loan condition in multiple axes for each loan condition entered in association with the rental management server, A P2P brokerage server that prepares a loan contract so that an inter-tenant loan can be concluded and a brokerage fee is accordingly paid;

.

Also, the P2P mediating server compares the loan inputted by the terminal of the tenant lease with the deductible of the borrower's lease deposit to inform the terminal of the lessee if the amount of the loan is larger, so that the loan can be inputted less than the self- .

In addition, the rental management server is characterized in that the loan is reflected to the lender and the borrower as the increase or decrease in the deposit amount of the loan, and the interest is reflected as the increase or decrease in the rent (monthly rent) to the borrower and lender.

The P2P brokerage server may match the multi-dimensional vector with the home multi-dimensional vector and create a loan contract including a loan condition if the multi-dimensional vector matches the home multi-dimensional vector and informs the corresponding multi-tenant terminal and the home tenant terminal of the lease.

In addition, the P2P brokerage server may include a withdrawal agreement content in a loan agreement.

The P2P mediation server matches the multi-dimensional vector with the multi-dimensional vector, and if the multi-dimensional vector does not coincide with the multi-dimensional vector, identifies one or more multi-dimensional vectors similar to each other (if the slave is a slave, To the tenant terminal of the corresponding lender or lender,

When the tenant terminal of the corresponding lender or lender notifies the user of the agreement of the other lender condition, a lending contract including the consent lending condition is created and notified to the corresponding tenant terminal and the tender tenant terminal.

If the borrowing period is z_min < z < z_max, the loan period is z_min < z (x-axis), the borrowing period (x_1 + x_2 + ... + x_k) of the matched three-dimensional vector matching the three-dimensional vector of the lender with the lowest value of y (interest) with respect to the three-dimensional vector of the lender of z_max x_wanted &quot;). &lt; / RTI &gt;

A method for renewing a lease according to an exemplary embodiment of the present invention includes the steps of (a) accessing a P2P brokerage server from a rent tenant terminal, inputting a rental condition including a loan to be borrowed by the tenant lease terminal, Accessing a P2P brokerage server and inputting a loan condition including a loan to be borrowed;

(b) multi-dimensionally vectorizing the elements of the loan condition for each borrowing condition inputted from the borrower's tenant terminal or the borrower's terminal in the P2P brokerage server, in multiple axes;

(c) matching the new (corresponding) multidimensional vector with the existing multiple multidimensional vectors in the P2P mediation server, checking whether there is a multidimensional vector similar to the corresponding multidimensional vector, and comparing the corresponding Notifying a tenant terminal of a car owner or a lender;

(d) If the P2P brokerage server notifies the consent of the other party's loan condition from the mobile terminal or the tendered tenant terminal that has been informed of the other party's loan condition, a loan contract including the agreement loan condition is created and notified to the corresponding borrower and tender tenant terminal ; And

(e) re-creating a lease agreement reflecting the agreement loan condition described in the loan agreement in the rental management server interlocked with the P2P brokerage server, respectively, in accordance with the borrower and the lender, respectively, and notifying the tenant terminal of the lender or the lender;

.

Also, in the step (e), the loan is reflected to the lender and the borrower as an increase or decrease in the deposit, and the interest is reflected to the borrower and the lender as an increase or decrease in rent (monthly rent) .

(F) depositing a loan of the loan contract to the borrower's account number on-line from the borrower terminal after the step (e);

(g) paying the lease (rent) on the re-created lease agreement to the account of the lease management server on the designated date of each month in the borrower and the tenancy tenant terminal;

Is further performed.

In step (a), the P2P mediating server compares the loan inputted by the terminal of the tenant with the deductible of the borrower's lease deposit, and notifies the terminal of the tenancy to the tenant terminal, So that it is possible to re-enter the loan condition of the loan lower than the contribution amount.

In the step (c), if the corresponding multidimensional vector is matched with a plurality of existing multidimensional vectors, and the corresponding multidimensional vector matches the corresponding multidimensional vector,

The method comprising the steps of: (d) creating a loan contract including a loan condition and notifying the borrower and the tenancy tenant terminal of the loan;

In step (c), if the loan period (x axis), the loan period (z axis) and the interest (y axis) are three axes and the loan period is z_min <z <z_max, the loan period is z_min < (x_1 + x_2 + ... + x_k) of the matched three-dimensional vector matching the three-dimensional vector of the lender with the lowest value of y (interest) to the three-dimensional vector of the lender of z <z_max (x_wanted). &lt; / RTI &gt;

According to the means for solving the above-mentioned problem, the tenant residing in the rental house receives a loan at a high interest rate and re-creates a lease contract reflecting the loan and interest, thereby obtaining the relationship between the credit situation of the tenant or the cooperation of the landlord And the tenant who makes a loan by allowing the rental management server to make a loan within the deductible can retrieve the principal of the loan without any problem.

FIG. 1 is a block diagram of a lease renewal system according to a rent-to-tenant P2P loan of the present invention.
FIG. 2 is a flowchart showing a method of renewing a lease according to a rent-to-tenant P2P loan of the present invention.
FIGS. 3A and 3B are diagrams showing the concept of a lease renewal contract according to the inter-tenant loan of the present invention.
4 is a diagram showing the concept of vectorization of the loan condition shown in FIG.
5 is a diagram for explaining the lending condition matching step shown in Fig.

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS Hereinafter, embodiments of the present invention will be described with reference to the accompanying drawings.

It is to be noted that the same components of the drawings are denoted by the same reference numerals and symbols as possible even if they are shown in different drawings.

In the following description of the present invention, a detailed description of known functions and configurations incorporated herein will be omitted when it may make the subject matter of the present invention rather unclear.

Also, when a part is referred to as " including " an element, it does not exclude other elements unless specifically stated otherwise.

FIG. 1 is a block diagram of a lease renewal system according to a rent-to-tenant P2P loan of the present invention.

As shown in FIG. 1, a lease renewal system according to a lease-to-lease P2P loan includes a plurality of leasehold terminal units 12a, 12b, ..., 12n and lease tenant terminals 12a, 12b, ..., 12n, 50, a rental management server 30 and a financial server 40, and the respective components are connected to each other through a wired / wireless network 20.

The tenant terminal is a terminal used by a tenant (tenant) who rents a rental house such as a rental apartment. The tenant terminal 12a, 12b, and 12c used by the borrower who wants to borrow money at a hefty interest rate of about 5-10% ..., 12n), and terminal terminals 14a, 14b, ..., 14n, which are used for lending by lenders having spare funds and lending money at a high interest rate.

The rental terminal or rental terminal is an information communication terminal device having a wired / wireless network connection function such as a mobile phone (smart phone) or a PC.

The plurality of tenant tenant terminals 12a to 12n access the P2P brokerage server 50 through the wired / wireless network 20 and determine the borrowing conditions (loan, loan period, interest (%)) If the P2P brokerage server 50 notifies one or more of the lending conditions of the other party (lender) similar to the lending condition of its own, it is determined whether or not the other party lending condition is to be agreed with, and the result is transmitted to the P2P mediation server 50 And if the desired partner lending condition is not available, the user can access his or her loan condition by connecting to the P2P mediation server 50 and correcting it.

Likewise, a plurality of tenancy tenant terminals 14a, 14b, ..., 14n access the P2P brokerage server 50 through a wired / wireless network to input loan conditions (loan, loan period, interest (% When the P2P brokerage server 50 notifies one or more of the lending conditions of the other party (the borrower) similar to the lending condition of its own, it is determined whether or not to agree with the partner lending condition, and the result is notified to the P2P intermediation server 50, If there is no lending condition, the lending condition of the user can be modified by connecting to the P2P mediation server 50.

If the loan agreement between the borrower and the borrower is made by the P2P brokerage server 50 and the borrower agrees with the borrower, the rental management server 30 notifies the borrower and the borrower of the borrowing of the loan deposit and rent (rent) Reflect the lease contract that reflects.

For example, as shown in FIG. 3A, in a state in which the rent deposit of the rent tenant (tenant) and the rent tenant (tenant) is equal to 100 million won and the rent (monthly rent) is equal to 500,000 won, As shown in FIG. 3B, when the loan contract is created by paying a loan of 100,000 won for rent, the rent deposit of the borrower is increased by 20 million won to 120 million won And rent (monthly rent) is reduced by 100,000 won to 400,000 won.

Accordingly, the lease agreement between the rental management server 30 and the rental tenant terminals 14a, 14b, ..., 14n is rewritten to a rent deposit of 120 million won and rent (monthly rent) of 400,000 won.

In addition, as shown in FIG. 3B, the rental deposit of the rent tenant is reduced by 20 million won to 80 million won, and rent (monthly rent) is increased by 100 thousand won to 600 thousand won.

Accordingly, the lease agreement between the rental management server 30 and the tenant terminals 12a, 12b, ..., 12n is rewritten so that the lease deposit is 80 million won and the rent (monthly rent) is 600,000 won.

When the lease contract is rewritten, the lender will deposit 20 million won in the loan to the borrower's account, and the lender and the borrower will transfer the monthly rental fee (400,000 won) and the 600,000 won to the rental management server 30 Of the account.

The rental management server 30 is a server for performing general rental management of a rental house such as a rental apartment. For example, the rental management server 30 transmits rent payment request information to the tenant terminal and rents a virtual account or a private account of the financial server 40 Deposit payment history information from the financial server 40 and stores the received information in the rental management DB 32. [

Also, it is possible to manage a check list related to the real estate, to register the civil affairs request and the defect repair request related to the real estate inputted through the tenant terminal, to inquire the processing status of the complaint request and the defect repair request in real time, .

Also, if a rental contract is created between the tenants by the P2P brokerage server 50 and agrees with each other, the rental contract is rewritten according to the rental contract, notified to the tenant terminal, and stored in the rental management DB 32. [

The rental management server 30 stores and manages general rental management information in the rental management DB 32 and stores information on the rental between tenants according to the present invention in the loan DB 34 and manages the information.

The P2P brokerage server 50 is connected to the rental management server 30 and operates in cooperation with each other. The P2P brokerage server 50 is connected to the rental management server 30 and is operated from the rental tenant terminals 12a, 12b, ..., 12n and the rental terminals 14a, 14b, ..., By entering the borrowed loan terms (within the self-payout limit of the lease deposit) and the borrowing borrowing conditions, the elements of the borrowing conditions are vectorized into multidimensional terms, and by connecting these multidimensional vectors (loan conditions) And receive the brokerage fee accordingly.

For example, the borrower enters three-dimensional vectors (see FIG. 4) based on three axes of loan (x axis), loan period (z axis) and interest Dimensional (3D) vector stored in the DB 34.

That is, as shown in FIG. 5, when the x-axis is the loan, the y-axis is the interest, and the z-axis is the loan period, the borrower's borrowing period is z_min <z <z_max. (X_1 + x_2 + ... + x_k) ≥ matched borrowing (x_wanted) of the borrowed three-dimensional vector of matched borrowing from the three-dimensional vector.

At this time, if there is a ladder three-dimensional vector that exactly matches the three-dimensional vector of the borrower, the borrower terminal notifies the borrower terminal and the borrower terminal of the borrower of the borrower's three-dimensional vector and includes the loan condition and the payout agreement on the basis of the contract form stored in the loan DB Create a loan agreement.

In this case, for example, if the borrowing period expires and the borrower can not pay the borrowed money, the borrower can pay back the borrowed money at the borrowing cost.

Further, if there is no ladder three-dimensional vector that exactly matches the three-dimensional ladder vector, one or more ladder three-dimensional vectors similar to the ladder three-dimensional vector are found, and one or more ladder conditions corresponding to the three- Notify the tenant terminal so that the tenant's loan can be concluded.

On the other hand, the P2P brokerage server 50 vectorizes the loan in three dimensions, that is, the loan, the loan period, and the interest, among the loan conditions to be borrowed by the borrower, If there is a three-dimensional vector that exactly matches the three-dimensional vector of the ladder matching the three-dimensional vector, the three-dimensional vector is notified to the corresponding tenant terminal and the corresponding tenant terminal, and the loan condition, Create a loan agreement that includes the terms of the recovery agreement.

Further, if there is not a three-dimensional vector that exactly matches the three-dimensional vector, one or more three-dimensional vectors similar to the three-dimensional vector are found, and one or more of the three- Notify the tenant terminal so that the tenant's loan can be concluded.

Although the fixed interest rate has been described as an example of interest included in the lending condition, it is also possible to provide a floating interest rate, and a P2P mediating module may be provided in the rental management server 30 without separately providing the P2P mediating server 50 .

FIG. 2 is a flowchart showing a method of renewing a lease according to a rent-to-tenant P2P loan of the present invention.

First, the tenant who borrows the money at about 5 ~ 10% of the hefty rate can access the P2P brokerage server 50 through the rental tenant terminal (for example, 12a) to calculate the amount (loan) (S20a). &Lt; / RTI &gt;

At this time, the P2P brokerage server 50 compares the loan inputted from the borrower's terminal 12a with the borrower's lease deposit amount stored in the loan DB 34 (S22), and if the borrower's lease deposit amount is larger Stores the loan condition in the loan DB 34 and notifies the borrower terminal 12a of the loan amount if the borrower has more loan amount so that the borrower can input the loan condition of the loan lower than the borrower's deposit amount.

This is to prevent the lender from recovering the loan if the loan is concluded.

On the other hand, a tenant who lends money with a heavy interest rate of about 5-10% can access the P2P brokerage server 50 through the lendering terminal (for example, 14a) and calculate the amount (loan) (S20b), and the P2P intermediary 50 stores the loan condition and the interest payment condition in the loan DB 34. The loan condition and the interest payment condition are stored in the loan DB 34. [

The P2P brokerage server 50 stores the multidimensional vector in the lending DB 34 by multi-dimensionally vectoring each element of the lending condition for each lending condition stored in the lending DB 34 by the owner or lender.

 For example, the three-dimensional vector is converted into three-dimensional vector (refer to FIG. 4) (S24) with three axes of a loan (x axis), a loan period (z axis) And stores it in the loan DB 34.

In addition, the P2P mediation server 50 compares the new three-dimensional vector with the counterpart three-dimensional vector stored in the existing loan DB 34 (S26).

That is, the three-dimensional vector is compared with a plurality of three-dimensional vectors, or the three-dimensional vector is compared with a plurality of three-dimensional vectors.

For example, as shown in FIG. 5, when the x-axis is the loan, the y-axis is the interest, and the z-axis is the loan period, the borrower's borrowing period is z_min <z <z_max. (X_1 + x_2 + ... + x_k) of the three-dimensional vector of the matched lender is matched until it becomes the loan (x_wanted) of the borrower.

At this time, if the three-dimensional vectors of the lender and the lender match (S28), the P2P mediating server 50 notifies the corresponding lender terminal 12a and the lender terminal 14a of the lender and the lender between the lender and the lender (Created) and transmits the contract to the corresponding tenant terminal 12a and tenant terminal 14a (S30).

The loan contract may include the terms of the loan and the details of the recovery agreement.

If it is determined in step S28 that the three-dimensional vectors do not coincide with each other, it is checked whether there is a counterpart three-dimensional vector similar to the corresponding three-dimensional vector, and a loan condition corresponding to one or more counterpart three-dimensional vectors similar thereto is notified in step S40.

That is, the P2P brokerage server 50 notifies the borrower terminal 12a of the loan condition of one or more similar borrower three-dimensional vectors, and notifies the borrower terminal 14a of the borrowing condition of one or more similar borrower three-dimensional vectors .

In FIG. 5, if the A vector represented by the red dot is a three-dimensional vector that is a trapezoidal three-dimensional vector and the black point is a plurality of ladder three-dimensional vectors, one or more similar ladder three-dimensional vectors near the A vector are identified by matching, And notifies the borrower terminal 12a of a loan condition corresponding to a similar borrower three-dimensional vector.

If the tenant terminal 12a or 14a having received the next loan condition agrees with any one or more of the loan conditions of one or more similar three-dimensional vector (S42) and agrees with the other party's loan condition, And notifies the mediation server 50 of the request.

At this time, the P2P brokerage server 50 generates a loan contract between the borrower and the borrower, and transmits the loan agreement to the borrower terminal 12a and the borrower terminal 14a (S30).

The loan agreement may include the terms of the agreement loan, the details of the recovery agreement, and the like.

For example, if one borrower is 20 million won and two borrowers are 10 million won and 15 million won respectively, a loan agreement should be made between one borrower and two borrowers, while two borrowers will receive a loan of 10 million won , And the remaining amount of 5 million won of the lender is vectorized into three dimensions again in the same state with the loan period and the interest, and is stored in the loan DB 34.

In other words, the loan can be contracted at 1: n or n: 1 when the loan is different from the borrower's loan, and the remaining loan can be vectorized into the three-dimensional vector and stored in the loan DB 34.

For example, if the loan period of the borrower is one year and the borrowing period of the borrower is 6 months, the borrower shall make a loan contract for 6 months only for 6 months, and after 6 months, And vectorized again in three dimensions in the same state as the loan and the interest, and stored in the loan DB 34.

In other words, if the borrowing period of the borrower is different from that of the borrower, the borrowing period can be contracted on the basis of a shorter borrowing period, and the remaining borrowing period can be vectorized into three dimensions again and stored in the loan DB 34.

If the lender or the lender does not agree with the counterpart lending condition, it is determined whether or not the lending condition is modified and the lending condition is corrected (S44). In the step S20a or S20b, the tenant terminal 12a or 14a And if it is not desired to modify the loan condition, the process returns to step S26.

After the loan contract is created in step S30 and both the lender and the borrower agree with the loan contract, the rental management server 30 sends a rental contract reflecting the loan conditions described in the loan contract to the borrower and the borrower And notifies the tenant terminals 12a and 14a of the lender or lender respectively (S32).

For example, in the above loan condition, the loan is reflected to the borrower and the borrower as the increase or decrease of the deposit, and the interest is reflected to the borrower and lender as the increase or decrease of rent (monthly rent).

Thereafter, the lender deposits the loan to the account number of the borrower through the online (S34), and when the borrower and the lender arrive at the appointed date of each month, the rent (lease) on the repurchase lease contract is transferred to the account of the rental management server 30 (S36).

Although the preferred embodiments of the present invention have been disclosed for illustrative purposes, those skilled in the art will appreciate that various modifications, additions and substitutions are possible, without departing from the scope and spirit of the invention as disclosed in the accompanying claims.

In addition, it is a matter of course that various modifications and variations are possible without departing from the scope of the technical idea of the present invention by anyone having ordinary skill in the art.

12a, 12b, ... , 12n: the tenant terminal 14a, 14b, ... , 14n: Tenant rental terminal
20: wired / wireless network 30: rental management server
32: rental management DB 34: loan DB
40: financial server 50: P2P mediation server

Claims (13)

A terminal used by a tenant who lives in a rental housing. When a tenant enters a loan condition that includes a loan to be borrowed (lease) at a high interest rate of 5% to 10% interest by accessing a P2P brokerage server and receives a loan from the tenant Renewal due to loan Many tenant tenant terminals that pay rent (monthly rent) on lease contract;
As a terminal used by the tenant residing in the rental house, the user enters a loan condition including a loan to be borrowed at a high interest rate of 5% to 10% interest by connecting to a P2P brokerage server. When the loan contract is concluded, A plurality of tenant tenant terminals for depositing the loan and paying the rent (monthly rent) on the renewal contract for the loan according to the loan;
A server for managing the rental housing, the server comprising: a rental management server for re-creating a rental contract reflecting rental conditions of the rental contract; And
The rental condition of the borrower is matched to the borrower's loan condition on the basis of the multidimensional vector by multiplying each element of the loan condition in multiple axes for each loan condition entered in association with the rental management server, A P2P brokerage server that prepares a loan contract so that an inter-tenant loan can be concluded and a brokerage fee is accordingly paid; , &Lt; / RTI &
The lease management server recalculates the lease contract by reflecting the rental amount to the borrower and the borrower as an increase or decrease in the deposit,
The P2P brokerage server calculates a loan term in the case where the loan period (z axis), the loan period (z axis) and the interest (y axis) are three axes and the loan period is z_min <z <z_max, (x_1 + x_2 + ... + x_k) of the matched three-dimensional vector matching the three-dimensional vector of the lender with the lowest value of y (interest) with respect to the three-dimensional vector of the lender of z_max ) Of the lease agreements until the lease is rescheduled. The method according to claim 1,
The P2P brokerage server compares the loan inputted by the terminal of the tenant lease with the self-charge of the tenancy deposit of the corresponding borrower to notify the terminal of the lessee of tenancy when the loan is more, A lease renewal system based on a P2P loan between tenants of a lease house. delete The method according to claim 1,
Wherein the P2P brokerage server matches a lender multi-dimensional vector with a lender multi-dimensional vector and creates a lending contract including a lending condition when the lender agrees with each other, and notifies the lender of the rental tenant terminal and the tender tenant terminal thereof Lease contract renewal system based on P2P loan. 5. The method of claim 4,
Wherein the P2P brokerage server includes a withdrawal agreement content in a loan agreement, wherein the lease renewal agreement system is based on a P2P loan between tenants of the lease house. The method according to claim 1,
The P2P mediation server matches one or more multidimensional vectors of a similar party (borrowed in the case of a borrower or borrower in the case of a borrower) when the borrower multi-dimensional vector matches the borrower multidimensional vector and matches the borrower multi- Condition to the tenant terminal of the corresponding lender or lender,
When the tenant terminal of the corresponding lender or the lender informs the user of the agreement of the other lender condition, a lending contract including the condition of consent lending is created and the lender is notified to the terminal of the tenant tenant and the tenant terminal of the rental tenant. Lease contract renewal system based on P2P loan. delete (a) You can access the P2P brokerage server from the tenant terminal and input the loan condition including the loan to be borrowed with the interest rate of 5 ~ 10% interest rate, or access the P2P brokerage server from the tenant terminal to get 5 ~ 10% Inputting a loan condition including a loan to be borrowed by the user as a high interest rate;
(b) multi-dimensionally vectorizing the elements of the loan condition for each borrowing condition inputted from the borrower's tenant terminal or the borrower's terminal in the P2P brokerage server, in multiple axes;
(c) matching the new (corresponding) multidimensional vector with the existing multiple multidimensional vectors in the P2P mediation server, checking whether there is a multidimensional vector similar to the corresponding multidimensional vector, and comparing the corresponding Notifying a tenant terminal of a car owner or a lender;
(d) If the P2P brokerage server notifies the consent of the other party's loan condition from the mobile terminal or the tendered tenant terminal that has been informed of the other party's loan condition, a loan contract including the agreement loan condition is created and notified to the corresponding borrower and tender tenant terminal ; And
(e) re-creating a lease agreement reflecting the agreement loan condition described in the loan agreement in the rental management server interlocked with the P2P brokerage server, respectively, in accordance with the borrower and the lender, respectively, and notifying the tenant terminal of the lender or the lender; , &Lt; / RTI &
If the borrowing period is z_min &lt; z &lt; z_max, the loan period is z_min &lt; z (x), the borrowing period (x_1 + x_2 + ... + x_k) of the matched three-dimensional vector matching the three-dimensional vector of the lender with the lowest value of y (interest) with respect to the three-dimensional vector of the lender of z_max &lt; / RTI &gt; x_wanted)
In the step (e), the loan is reflected to the borrower and the borrower as an increase or decrease in the deposit amount of the loan, and the interest is reflected to the borrower and the lender as the increase or decrease in the rent (monthly rent) How to Renew a Lease According to a P2P Loan between Tenants. delete 9. The method of claim 8,
(f) depositing a loan of the loan contract to the borrower's account number on-line at the borrower terminal after the step (e);
(g) paying the lease (rent) on the re-created lease agreement to the account of the lease management server on the designated date of each month in the borrower and the tenancy tenant terminal;
The method according to claim 1, further comprising the step of: 9. The method of claim 8,
In the step (a), the P2P mediating server compares the loan inputted by the rental tenant terminal with the self-contribution amount of the lease deposit of the corresponding borrower, and notifies the borrower terminal of the loan amount if the loan amount is more than the self- A method of re-entering a lease according to a P2P loan between tenants of the lease house, characterized in that it is possible to re-enter the loan condition of the lower loan. 9. The method of claim 8,
In step (c), if the corresponding multidimensional vector is matched with a plurality of existing multidimensional vectors, and the corresponding multidimensional vector matches the corresponding multidimensional vector,
(D), a loan contract including a loan condition is created and notified to the corresponding borrower and the tenancy tenant terminal. The method for renewing a lease according to a P2P loan between tenants of the rental house. delete

Images