KR101887485B1 - P2P loan system and method between tenants of joint rental house - Google Patents

Abstract

The present invention relates to a P2P loan system among lessees of a rental apartment, and a method thereof. To be more specific, the P2P loan system and method can help receive a loan at a compound interest within a deductible of guarantee deposits on leases among lessees who reside in a rental apartment through a loan management server. According to an embodiment of the present invention, the P2P loan system among lessees of a rental apartment comprises: a plurality of borrowing lessee terminals which input loan conditions including the amount of loan to be borrowed, a loan period, and an interest by connecting to a loan management server, and pay the interest to a lender every month when receiving the loan from the relevant lender; a plurality of lending lessee terminals which input loan conditions including the amount of loan to be lent, a loan period, and an interest by connecting to the loan management server, and deposit the loan to the bank account of the relevant lessee when a load contract is signed; and a loan management server which vectorizes in three dimension (3D) by setting the amount of loan, the loan period, and the interest as three axes at every inputted loan condition, matches the loan condition of the borrowing lessee with that of the lending lessee based on the 3D vector for connecting the borrowing lessee terminal and the lending lessee terminal in order to conclude the loan between the lessees, and receives brokerage commission accordingly.

Description

[0002] The present invention relates to a P2P loan system and a method for a tenant of a joint rental house,

The present invention relates to a system and a method for P2P rental between tenants in a joint rental house, and more particularly, to a system and method for renting a rental rental house in a rental house through a rental management server System and method.

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 The present invention has been made in order to solve the above-mentioned problems, and it is an object of the present invention to provide a system and method for providing a loan to a tenant residing in a joint rental house through a rental management server, The purpose of this system is to provide a system and method of P2P lending between tenants of a joint rental house where the tenant can receive the loan without any problem and the tenant who makes a loan within the deductible from the rental management server can retrieve the loan principal without problem have.

According to an aspect of the present invention, there is provided a rent-to-lease P2P rental system of a rental rental house, which is a rental terminal owned by a tenant residing in a rental rental house, ) A plurality of tenant tenant terminals that enter the terms of the loan including the loan, the term of the loan, interest, and pay the monthly interest to the tenant if the tenant receives the loan from the tenant;

A terminal owned by the tenant who is residing in the common rental housing, accesses the rental management server, inputs a loan condition including a loan, a loan period, and interest to be borrowed by the user and, if the loan contract is concluded, A plurality of rental tenant terminals to deposit money; And

A server for managing the common rental house, the method comprising the steps of: vectorizing the loan (x axis), loan period (z axis) and interest (y axis) A lease management server for matching a loan condition of a borrower with a loan condition of a borrower to connect the rental terminal of the tenant and the rental terminal of the rental tenant so that the rental of the tenant can be concluded and the corresponding brokerage fee is paid;

.

In addition, the rental management server compares the loan inputted by the rental tenant terminal with the self-contribution amount of the lease deposit of the corresponding borrower to notify the rental tenant terminal when the loan is larger, so that the loan can be inputted less than the self- .

In addition, when entering the lending condition, the tenancy tenant terminal inputs the interest payment date such as the interest payment date, the account deposit or the partial payment of the monthly rent,

And the rental management server includes a interest payment condition at the time of making the loan contract.

Also, the rental management server may match the three-dimensional vector with the three-dimensional vector and generate a loan contract including the loan condition if the three-dimensional vector and the three-dimensional vector coincide with each other, and notify the borrower terminal and the borrower terminal.

Further, the rental management server may include a interest payment condition or a withdrawal agreement content in a loan contract.

In addition, the rental management server matches the three-dimensional vector with the three-dimensional vector and checks the one or more three-dimensional vectors similar to each other (or, in the case of the lender, the lender or the lender) The rental condition corresponding to the dimension vector is notified 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 other lender condition is created and notified to the corresponding tenant terminal and the tender tenant terminal.

Further, the loan contract is characterized by being contracted between the borrower and the lender with 1: n or n: 1.

If the borrowing period of the borrower is z_min <z <z_max, the borrowing period is z_min <z <z_max, and the three-dimensional vector of the borrowing period is matched from the three- (X_1 + x_2 + ... + x_k) ≥ the loan of the vector (x_wanted).

A method for renting a tenant between tenants according to an embodiment of the present invention includes the steps of: (a) accessing a rental management server in a rental tenant terminal and inputting a loan condition including a loan to be borrowed, a loan period and interest, A terminal accessing a rental management server and inputting a loan condition including a loan to be borrowed, a loan term, and a loan term;

(b) three-dimensionally vectorizing the loan (x-axis), the loan period (z-axis), and the interest (y-axis) on three axes for each loan condition entered from the rental tenant terminal or the rental tenant terminal in the rental management server ;

(c) The rental management server matches the new (corresponding) three-dimensional vector with a plurality of existing counterpart three-dimensional vectors, checks whether there is a counterpart three-dimensional vector similar to the corresponding three-dimensional vector, To the tenant terminal of the corresponding lender or lender;

(d) If the rental management server notifies the consent of the other party's loan condition from the mobile terminal or the tendered tenant terminal which has been informed of the other party's lending condition, a loan contract including the agreed other party's loan condition is created, ;

(e) depositing a loan of the loan contract from the borrower terminal to the borrower's account number online; And

(f) paying the interest of the loan contract to the lender at the terminal of the tenant;

.

In step (a), the borrower inputs the loan to the tenant terminal and notifies the borrower terminal if the loan amount is more than the loan amount of the borrower's lease deposit, So that it is possible to re-enter the loan condition of the bank.

In step (c), if the corresponding three-dimensional vector is matched with a plurality of counterpart three-dimensional vectors, and the corresponding three-dimensional vector and the corresponding three-dimensional vector coincide with each other,

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;

If the borrowing period of the borrower is z_min <z <z_max in the step (c), the three-dimensional vector of the borrowing period in which the borrowing period is z_min <z <z_max is matched from the three- (X_1 + x_2 + ... + x_k) ≥ borrowed money (x_wanted) of the borrowed three-dimensional vector of matching lenders.

In the step (f), the interest is directly deposited into the account of the lender or the interest is paid in a manner that a portion of the lender's monthly rent is paid in advance.

According to the means for solving the above-mentioned problem, the tenants residing in the collective rental housing can receive the loan through the rental management server through the rental management server, thereby obtaining the loan regardless of the credit situation of the tenant or the cooperation of the landlord In addition, the rental management server can make the loan within the periodic contribution, so that the tenant who makes the loan can recover the loan principal without any problem.

BRIEF DESCRIPTION OF THE DRAWINGS FIG. 1 is a block diagram of an inter-tenant P2P lending system according to an embodiment of the present invention; FIG.
2 is a flowchart illustrating a method of borrowing an inter-tenant P2P according to an embodiment of the present invention.
3 is a diagram showing the concept of vectorization of the loan condition shown in Fig.
4 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.

BRIEF DESCRIPTION OF THE DRAWINGS FIG. 1 is a block diagram of an inter-tenant P2P lending system according to an embodiment of the present invention; FIG.

As shown in FIG. 1, the inter-tenant P2P lending system according to the embodiment of the present invention includes a plurality of tenant terminals 12a, 12b, ..., 12n and tenant tenants 12a, 12b, ..., 12n, A management server 30 and a financial server 40, and each configuration is connected to each other through a wired / wireless network 20. [

The tenant terminal is a terminal owned by a tenant who has rented a rental apartment, such as a rental apartment, and has a rental terminal 12a, 12b, ..., which is owned by the borrower who intends to borrow money with a 5-10% 12n, and terminal terminals 14a, 14b, ..., and 14n, which are owned by the lender who has spare funds and intends to lend money to the lender.

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 rental management server 30 through the wired / wireless network 20 and access to the rental conditions (loan, loan period, interest (%)) If the rental management server 30 notifies the rental management server 30 of one or more loan conditions of the other party (lender) similar to the loan condition thereof, the rental management server 30 determines whether or not to agree with the partner loan condition, And if the desired partner lending condition does not exist, the user can modify his / her lending condition to the rental management server 30.

Likewise, a plurality of tenancy tenant terminals 14a, 14b, ..., 14n are connected to the rental management server 30 through a wired / wireless network and are connected to the rental conditions (loan, loan period, interest (% (Interest payment date, account deposit, or partial payment of monthly rent), and when the rental management server 30 notifies one or more of the loan conditions of the other party (the borrower) similar to the loan condition of the user, And notifies the rental management server 30 of the result, and if there is no desired partner lending condition, the lending management server 30 can modify its lending condition.

If the lease agreement between the borrower and the tenant is made by the rental management server 30 and the tenant agrees, the borrower deposits the loan directly into the borrower's account, and the borrower pays the interest to the lender every month.

The rental management server 30 is a server for performing general rental management of a common rental house such as a rental apartment. For example, the rental management server 30 transmits rent payment request information to the tenant terminal and transmits the rent payment request information to a virtual account or a dedicated account of the financial server 40 When the monthly rent is deposited, the monthly deposit information is received from the financial server 40 and stored in the rental management DB 32.

Or the real estate, registers a civil affairs request and a defect repair request related to the real estate inputted through the tenant terminal, and inquires in real time about the processing status of the complaint request and the defect repair request, Notify.

In particular, in the present invention, the rental management server 30 receives the borrowing conditions (within the lease amount of the lease deposit) from the rental tenant terminals 12a, 12b, ..., 12n and the rental tenant terminals 14a, 14b, ..., And the borrowing conditions are input, and they are vectorized in three dimensions. The borrowing conditions are matched and linked to each other, so that the interlibrary loan can be concluded and the brokerage fee is accordingly paid.

More specifically, the borrower inputs three-dimensional vectors in three dimensions with the loan, loan period, and interest as three axes of the loan conditions inputted by the borrower. Then, based on the three-dimensional vector, the three- And if there is a ladder three-dimensional vector that exactly matches the three-dimensional vector of the ladder, it is notified to the corresponding terminal of the landlord and the landlord terminal of the landlord, and the lending condition, Create (create) a loan agreement that includes interest payment terms.

In this case, for example, if the borrowing period expires and the borrower can not pay the borrowed money to the borrower, it is a commitment to repay the loan with the borrowed amount of the loan.

In this case, the interest payment condition may, for example, deposit the interest of the monthly interest in the main account of the borrower, or pay a portion of the monthly rent of the borrower for the amount equivalent to the interest, instead of directly depositing the interest.

For example, if the monthly rent of the borrower is 600,000 won, the monthly rent of the borrower is 600,000 won, and the interest of the loan is 100,000, the borrower pays 100,000 won, and the borrower pays 700,000 won per month. You can pay ten thousand won.

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.

For example, if the x-axis is the loan, the y-axis is the interest, and the z-axis is the loan period, the three-dimensional vector of the loan with the loan period z_min <z <z_max is matched from the three- (X) + x_2 + ... + x_k) of the three-dimensional vector of the matched lender to be the loan (x_wanted) of the borrower.

On the other hand, the rental management server 30 performs three-dimensional vectorization of the loan condition, the loan period, and interest among the loan conditions to be borrowed by the borrower in three axes, ) If the three-dimensional vector is matched and there is a three-dimensional vector that exactly matches the three-dimensional vector of the lender, it is notified to the corresponding tenant terminal and the corresponding tenant terminal, and the loan condition , The loan agreement containing the withdrawal agreement details or interest payment terms (create).

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.

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.

2 is a flowchart illustrating a method of borrowing an inter-tenant P2P according to an embodiment of the present invention.

First, a tenant who borrows money at a level of about 5 to 10% can access the rental management server 30 through a rental tenant terminal (for example, 12a) to calculate a loan amount to be borrowed (loan amount) (S20a). &Lt; / RTI &gt;

At this time, the rental management server 30 compares the loan inputted from the borrower's tenant terminal 12a with the self-contribution amount of the borrower's lease deposit stored in the loan DB 34 (S22), and if the borrower's lease deposit's self- 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 will lend money with a degree of about 5 to 10% can access the rental management server 30 through the rental terminal (for example, 14a) and calculate the amount (loan amount) (S22), and the rental management server 30 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 rental management server 30 performs three-dimensional vectorization (refer to FIG. 3) on the basis of three axes of loan, loan period, and interest for each loan condition stored in the loan DB 34, Dimensional vector into a loan or a loan and stores it in the loan DB 34. [

In addition, the rental management server 30 compares the new three-dimensional vector with the counterpart three-dimensional vector stored in the existing loan DB 34 (S26).

For example, a three-dimensional vector is compared with a plurality of ladder three-dimensional vectors, and a ladder three-dimensional vector is compared with a plurality of ladder three-dimensional vectors.

At this time, if the three-dimensional vector of the lender and the lender match (S28), the rental management server 30 notifies the corresponding lender terminal 12a and the lender terminal 14a of the lease tenant and the lender (Created) and transmits the contract to the corresponding tenant terminal 12a and tenant terminal 14a (S30).

The loan contract may include a loan condition, a payout agreement or a interest payment condition.

On the other hand, if the three-dimensional vectors do not coincide with each other in step S28, it is checked whether there is a corresponding three-dimensional vector similar to the corresponding three-dimensional vector (refer to FIG. 4), and a loan condition corresponding to one or more counterpart three- (S40).

For example, if the x-axis is the loan, the y-axis is the interest, and the z-axis is the loan period, the three-dimensional vector of the loan with the loan period z_min <z <z_max is matched from the three- (X) + x_2 + ... + x_k) of the three-dimensional vector of the matched lender to be the loan (x_wanted) of the borrower.

That is, the rental management server 30 notifies the borrower terminal 12a of the loan conditions 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. 4, 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 vectors in step S42, To the management server 30.

At this time, the rental management server 30 generates a loan contract between the borrower and the borrower, and transmits the loan to the borrower terminal 12a and the borrower terminal 14a (S30).

The loan contract may include a cooperative loan condition, a recovery agreement or a interest payment condition.

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 to the loan agreement, the lender deposits the loan to the account number of the borrower through online (S32).

When the borrower arrives at the appointed date of each month, the borrower deposits the interest of the loan directly to the account number of the borrower in accordance with the interest payment condition of the loan contract, or pay the interest by paying a portion of the monthly rent of the borrower (S34).

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

Claims (13)

A terminal owned by a tenant who has moved into a joint rental house. When a tenant enters a loan condition including a loan, a loan period, and interest to be borrowed (loan to be borrowed) by accessing a rental management server, A plurality of rental tenant terminals paying monthly interest to the tenant;
A terminal owned by the tenant who is residing in the common rental housing, accesses the rental management server, inputs a loan condition including a loan, a loan period, and interest to be borrowed by the user and, if the loan contract is concluded, A plurality of rental tenant terminals to deposit money; And
The renting management server transmits rental payment request information to the landlord terminal and the landlord tenant terminal, and when the rent is deposited in the account of the financial server, the renting deposit information is transmitted from the financial server (X-axis), loan period (z-axis) and interest (y-axis) are vectorized in three dimensions on the basis of the three-dimensional vector, and borrowers and lenders A lease management server for matching a condition and connecting the terminal of the landlord to the terminal of the landlord so that the interlibrary loan can be concluded and the corresponding brokerage fee is paid; , &Lt; / RTI &
If the borrowing period of the borrower is z_min <z <z_max, the three-dimensional vector of the borrowing period in which the borrowing period is z_min <z <z_max is matched from the three-dimensional vector of the lowest borrowing y, (X_1 + x_2 + ... + x_k) ≥ matched until the borrower's loan (x_wanted)
If the borrower matches the three-dimensional vector with the three-dimensional vector and matches the borrower three-dimensional vector, if the borrower fails to repay the loan until the expiration of the loan term and the borrower's term, the borrower shall prepare a loan contract containing the repayment agreement to repay the loan, To the rental tenant terminal and the rental tenant terminal of the rental tenant terminal. The method according to claim 1,
The rental management server compares the loan entered by the rented tenant terminal with the self-contribution amount of the rental deposit of the corresponding borrower, and notifies the rented tenant terminal when the loan is larger, thereby allowing the loan to be input less than the self- Tenant-to-tenant P2P loan system for joint rental housing. The method according to claim 1,
The tenancy tenant terminal inputs a interest payment condition such as interest payment date, account transfer or partial payment of monthly rent at the time of inputting a loan condition,
Wherein the rental management server includes a interest payment condition when creating a loan contract. delete delete The method according to claim 1,
The rental management server matches the three-dimensional vector with the three-dimensional vector and confirms one or more three-dimensional vectors of a similar person (borrower if the borrower is a borrower or borrower if it is a borrower) To the tenant terminal of the corresponding lender or lender,
When the notice of consent to the counterparty loan condition is notified from the tenant terminal of the corresponding car or lender, a loan contract including the counterparty lending condition is created and notified to the corresponding tenant tenant terminal and the tender tenant terminal. Inter-company P2P loan system. The method according to claim 6,
The loan contract is contracted between the borrower and the lender at 1: n or n: 1. delete (a) accessing a rental management server that carries out rental management of the common rental house in a rental tenant terminal residing in the common rental house, inputting a loan condition including a loan to be borrowed, a loan period and interest, Accessing a rental management server in a rental terminal of a rental tenant in a house, and inputting a loan condition including a loan, a loan period, and a period to be borrowed;
(b) three-dimensionally vectorizing the loan (x-axis), the loan period (z-axis), and the interest (y-axis) on three axes for each loan condition entered from the rental tenant terminal or the rental tenant terminal in the rental management server ;
(c) The rental management server matches the new (corresponding) three-dimensional vector with a plurality of existing counterpart three-dimensional vectors, checks whether there is a counterpart three-dimensional vector similar to the corresponding three-dimensional vector, To the tenant terminal of the corresponding lender or lender;
(d) If the rental management server notifies the consent of the other party's loan condition from the mobile terminal or the tendered tenant terminal which has been informed of the other party's lending condition, a loan contract including the agreed other party's loan condition is created, ;
(e) depositing a loan of the loan contract from the borrower terminal to the borrower's account number online; And
(f) paying the interest of the loan contract to the lender at the terminal of the tenant; , &Lt; / RTI &
If the borrowing period of the borrower is z_min <z <z_max in the step (c), the three-dimensional vector of the borrowing period in which the borrowing period is z_min <z <z_max is matched from the three- (X_1 + x_2 + ... + x_k) ≥ matched until the borrower's loan (x_wanted) becomes the borrower's loan (x_wanted)
In step (c), when the corresponding three-dimensional vector is matched with a plurality of counterpart three-dimensional vectors, and the corresponding three-dimensional vector and the counterpart three-dimensional vector coincide with each other, The rental contract including the contents of the recovery agreement to repay the loan with the deductible of the lease deposit is notified to the corresponding landlord and the landlord terminal of the landlord. 10. The method of claim 9,
In the step (a), if the loan amount inputted by the terminal is compared with the deductible of the borrowing deposit of the corresponding borrower, the borrower terminal is informed of the loan amount, so that the loan of the loan amount lower than the borrowing amount And the condition can be re-entered. delete delete 10. The method of claim 9,
Wherein the step (f) deposits the interest directly into the account of the lender or the interest is paid in a manner of paying a portion of the monthly rent of the lender.

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