KR102431697B1 - Server performing real estate risk management using cltv and operating method thereof - Google Patents

Abstract

A server for performing real estate risk management using CLTV and an operating method thereof are shown. A real estate risk management server according to one of various embodiments of the present invention includes: a service receiving unit for receiving a risk management execution request for at least one real estate from a user terminal; a date management unit for determining the start time and end time of risk management for the real estate to which the risk management execution request is received by the service receiving unit; a real estate information collection unit that collects registration change information including information on setting a mortgage for the real estate through an Internet registry office, and additionally collects market price information on the real estate; a jeonse information collection unit for collecting rental deposit information for the real estate; Moving-in household information collection unit for collecting information on whether the tenant moves in or moves out of the real estate; a CLTV ratio calculator that calculates the CLTV ratio by dividing the sum of the mortgage-backed amount and the rental deposit by the market value of the real estate; and a risk management unit that determines the CLTV type based on the information collected or calculated by the real estate information collection unit, the jeonse information collection unit, the moving-in household information collection unit or the CLTV ratio calculation unit.

Description

Server performing real estate risk management using CLTV and its operating method {SERVER PERFORMING REAL ESTATE RISK MANAGEMENT USING CLTV AND OPERATING METHOD THEREOF}

Various embodiments of the present invention are a description of a server for performing risk management using CLTV and an operating method thereof, in detail, identifying abnormal symptoms related to real estate through a right change investigation on real estate and processing it it's about technology.

Loan scams using Jeonse money loans are on the rise in recent years. Organizations carrying out this type of loan fraud are systematically organizing interested parties such as buyers and lessees of real estate to defraud the loan amount for the jeonse funds.

Looking at the structure in which such fraud can occur, after the lease contract for real estate is concluded, a loan for the jeonse funds is requested, and at the same time as execution, the lessee performs a move-in report and actual move-in to the real estate. After that, when the real estate is transferred to the real estate and a collateral right on the real estate is set afterwards, so that the lessee's resistance cannot be secured. There may be a risk of not getting the Jeonse deposit back.

As a result, the Jeonse loan is executed based on the lessee's resistance, and if the resistance is lost, the Jeonse loan becomes insolvent.

Looking at such a structure, in the case of a change in rights related to real estate, monitoring is not performed continuously, and results such as loss of resistance of the lessee may occur, but poor management may be the cause.

Therefore, in order to prevent such real estate risks, it was necessary to monitor changes in rights that may occur after the loan of jeonse funds and to speed up and automate follow-up measures accordingly.

Korean Patent Publication No. 10-2011-0073406

Various embodiments of the present invention detect fraudulent acts on jeonse loan for real estate within a short time and minimize the insolvency rate of bonds, thereby increasing interest rates of financial institutions (handling jeonse loan) and public institutions (handling fund loan) The purpose of this is to minimize the number of victims in good faith due to the reduction of the loan limit.

Various embodiments of the present invention have an object to continuously perform monitoring such as CLTV ratio for a specific real estate.

The problems to be solved by the present invention are not limited to the problems mentioned above, and other problems not mentioned will be clearly understood by those skilled in the art from the following description.

According to one of various embodiments of the present invention for solving the above-described problems, in the real estate risk management server for performing real estate risk management using CLTV, a risk management execution request for at least one real estate is received from a user terminal service reception desk; a date management unit for determining the start time and end time of risk management for the real estate to which the risk management execution request is received by the service receiving unit; a real estate information collection unit that collects registration change information including information on setting a mortgage for the real estate through an Internet registry office, and additionally collects market price information on the real estate; a jeonse information collection unit for collecting rental deposit information for the real estate; Moving-in household information collection unit for collecting information on whether the tenant moves in or moves out of the real estate; a CLTV ratio calculator that calculates the CLTV ratio by dividing the sum of the mortgage-backed amount and the rental deposit by the market value of the real estate; and a risk management unit that determines the CLTV type based on the information collected or calculated by the real estate information collection unit, the jeonse information collection unit, the moving-in household information collection unit or the CLTV ratio calculation unit. can

The risk management unit may be characterized in that when the real estate risk type is a high risk level, a risk alert is generated and transmitted to the user terminal.

The risk management unit may be characterized in that it generates a report including information on whether the relative mortgage setting information for the real estate, the CLTV ratio, and whether the tenant moves in or moves out.

The real estate risk management server, when the CLTV ratio is greater than or equal to a certain ratio, or when the real estate CLTV type is a high risk type, transmits a request for information on this to the user terminal and receives the requested information from the user terminal Risk processing unit may further include.

The risk processing unit may be characterized in that when the explanatory information is not received from the user terminal within a certain time or when it is determined that there is a risk of fraud, the investigation request information on the real estate is transmitted to the public institution server. have.

The risk processing unit analyzes the calling information received from the user terminal, and determines whether the calling for the CLTV ratio or CLTV type is completed through the analysis result, and when the determination result that the calling is not completed is derived, or When it is determined that there is a risk of fraud, it may be characterized in that the investigation request information on the real estate is transmitted to the public institution server under the authority of the user server.

Investigation request information for the real estate may include whether the lessee moves into the real estate, near-mortgage setting information, market price, and rental deposit information.

According to another one of the various embodiments of the present invention for solving the above-described problems, receiving a risk management execution request for at least one or more real estate from a user terminal; determining a start time and end time of risk management for the real estate to which a risk management execution request is received; collecting registration change information including information on setting a mortgage for the real estate through an Internet registry, and additionally collecting market price information on the real estate; collecting rental deposit information for the real estate; collecting information on whether the lessee moves into or moves out of the real estate; calculating the CLTV ratio by dividing the sum of the mortgage-backed amount and the rental deposit by the market value of the real estate; and determining a CLTV type based on the registered change information, market price information, rental deposit information, and calculated CLTV ratio information collected for the real estate. can

According to the embodiment of the present invention, whenever the registration information or other information related to the real estate to be managed changes, the CLTV ratio and CLTV type are calculated to detect real estate-related fraud and accidents in a short time to minimize the insolvency rate of the bond. Accordingly, it is possible to prevent a lender or public institution from raising interest rates and lowering the loan limit in advance, thereby preventing harm to well-meaning tenants and contributing to sound finance for the common people.

According to an embodiment of the present invention, if the CLTV ratio and CLTV type are captured above a certain standard and the tenant's move-in is not maintained, if the tenant's vocation is not made or insufficient, an investigation request for the real estate to be managed can be automatically made. have.

Effects of the present invention are not limited to the effects mentioned above, and other effects not mentioned will be clearly understood by those skilled in the art from the following description.

1 is a conceptual diagram schematically showing the configuration of an overall environment in which a real estate risk management system according to an embodiment of the present invention operates.
2 is a block diagram schematically showing the configuration of a real estate risk management server according to an embodiment of the present invention.
3 is a flowchart illustrating a process in which the real estate risk management server performs risk management for a specific real estate according to an embodiment of the present invention.
4 is a flowchart for explaining an operation performed by the real estate risk management server according to an embodiment of the present invention to determine a risk for real estate to be managed and to perform when a risk occurs.
5 is an exemplary timeline for explaining events related to real estate in which the real estate risk management server performs risk management according to an embodiment of the present invention over time.

The terminology used herein is for the purpose of describing the embodiments and is not intended to limit the present invention. In this specification, the singular also includes the plural, unless specifically stated otherwise in the phrase. As used herein, “comprises” and/or “comprising” does not exclude the presence or addition of one or more other components in addition to the stated components. Like reference numerals refer to like elements throughout, and "and/or" includes each and every combination of one or more of the recited elements. Although "first", "second", etc. are used to describe various elements, these elements are not limited by these terms, of course. These terms are only used to distinguish one component from another. Therefore, it goes without saying that the first component mentioned below may be the second component within the spirit of the present invention.

In the entire specification, when a part "includes" a certain component, it means that other components may be further included, rather than excluding other components, unless otherwise stated. In addition, terms such as "...unit" and "module" described in the specification mean a unit that processes at least one function or operation, which may be implemented as hardware or software, or a combination of hardware and software. .

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

1 is a conceptual diagram schematically showing the configuration of the overall environment in which the real estate risk management system 10 according to an embodiment of the present invention operates.

Referring to FIG. 1 , a real estate risk management server 100 , a user terminal 200 , and an external server 300 may be included in an environment in which the real estate risk management system 10 operates.

The real estate risk management server 100 may communicate with the user terminal 200 , receive a request for executing risk management for a specific real estate from a user, and perform overall risk management on the real estate.

In this process, the real estate risk management server 100 may collect various information on the corresponding real estate and perform risk management on the real estate by using the collected information. The real estate risk management server 100 may collect information about setting up mortgages for the real estate, market price information, rental deposit information, information on tenant moving in or moving out, and the like, and based on this, CLTV (Comprehensive Loan to Value to Ratio: Comprehensive Housing Collateral) loan ratio) can be calculated.

In addition, the real estate risk management server 100 may identify the CLTV type based on the collected and calculated information on the real estate and perform real estate management based on this.

The user terminal 200 may be controlled by a user who owns at least one real estate subject to risk management, a lessee for the real estate, a financial institution, or a public institution. The user terminal 200 may access the real estate risk management server 100 through a web browser or a program such as computer software or an application installed on the user terminal 200 . The user terminal 200 may exchange various data with the real estate risk management server 100 , and based on the data received from the real estate risk management server 100 , through the screen (display unit) of the user terminal 200 . You can decide what to display.

In FIG. 1 , the user terminal 200 has the shape of a mobile phone or a smart phone, but the shape of the user terminal 200 is not limited thereto.

That is, the user terminal 200 is a mobile phone, a smart phone, a personal digital assistant (PDA), a portable multimedia player (PMP), a tablet PC, etc. all kinds of handheld (Handheld) based that can be connected to the web server through the network. A digital device that may include a wireless communication device of it could be one of

The user terminal 200 may include a memory for storing information necessary for operation, a central processing unit such as a CPU for performing various operations necessary for operation, an input/output device, and the like.

According to an embodiment of the present invention, the route through which the application utilized in the process of the user terminal 200 accessing the real estate risk management server 100 is installed on each terminal may be through various application stores. The download of the corresponding application can be made free of charge, but in contrast, each terminal may have to pay a predetermined price to download the application related to the real estate risk management system 100 and install it on each terminal, and the creator of the application can also generate revenue from this. In addition, the monetization of the application may occur through advertisements exposed on the operation screen of the application, and the user of the application may additionally perform payment within the application in order to receive a specific function or service provided on the application.

Operations (eg, commands, routines, instructions, etc.) necessary for the execution of such an application may be stored in the form of a program in the memory of the user terminal 200 , and such a program may be stored in the processor of each terminal when the corresponding application is executed. Each terminal can be controlled to perform operations stored in the program by being called by .

The external server 300 is a system or server that exists separately from the real estate risk management server 100, and according to an embodiment, the external server 300 is a server that provides real estate-related information, such as an Internet registry server, for identity authentication. It may be composed of a server operated by a telecommunication company server or a public institution such as a police station to receive a report.

According to an embodiment of the present invention, the communication network used by each entity operating within the overall configuration in which the real estate risk management system 10 is utilized can be configured regardless of its communication mode, such as wired and wireless, , for example, a local area network (LAN), a metropolitan area network (MAN), and a wide area network (WAN) may be implemented as various communication networks. Preferably, the communication network according to an embodiment of the present invention may be a well-known World Wide Web (WWW) or the like.

2 is a block diagram schematically showing the configuration of a real estate risk management server 100 according to an embodiment of the present invention.

Referring to FIG. 2 , the real estate risk management server 100 includes a service reception unit 110 , a date management unit 120 , a real estate information collection unit 131 , a jeonse information collection unit 132 , and a moving house information collection unit 133 . , CLTV ratio calculation unit 140 , risk management unit 150 , risk processing unit 160 , communication unit 170 , storage unit 180 , and control unit 190 .

The service reception unit 110 may receive a service request for at least one real estate, that is, an execution request for risk management, from the user terminal 200 . The risk management execution request received by the service reception unit 110 from the user terminal 200 may include information for specifying real estate and information on a period during which a user requests a service for the real estate.

The date management unit 120 may determine the start time and end time of risk management for the real estate to which the risk management execution request is received by the service receiving unit 110 . That is, the date management unit 120 may determine the service period for a specific real estate, which may be determined as the service period requested by the user through the user terminal (200).

When the user does not request a specific service period, the date management unit 120 may determine the risk management start time and end time according to a predetermined rule.

For example, the date management unit 120 may determine the same day or the requested time the user requests the service as the risk management start time, and the risk management time is 1 day after the service request day or 3 hours after the service request time. can be decided.

For another example, the date management unit 120 may determine the end point of risk management by calculating that the risk management service is provided for a predetermined time from the time the user requested the service or the date specified from the date the user requested the service. When a specific event occurs in the real estate subject to the management service, the time of occurrence of the event may be determined as the end of risk management.

The real estate information collection unit 131 may collect registration change information on real estate that is a risk management target through an Internet registry. The registration change information may include basic information about real estate (address, owner status, land right ratio, etc.), and may include change information such as ownership, usufruct, and security right for real estate. The registration change information may necessarily include information on setting up a mortgage for the real estate.

The real estate information collection unit 131 may collect real estate-related information by accessing the external server 300 through the communication unit 170 of the real estate risk management server 100, and such information includes registration change information for real estate. may be included, and the external server 300 may be configured as an Internet registry. The real estate-related information collected by the real estate information collection unit 131 may include market price information on real estate. In this case, the external server 300 may be configured as a server of a company providing real estate price information or a server of a portal site. have.

The Jeonse information collection unit 132 may collect information related to Jeonse for the real estate subject to risk management. The collected jeonse-related information may include information on the rental deposit, and the jeonse-related information collection unit 132 may collect such jeonse-related information through the user terminal 200 or the external server 300 .

The moving-in household information collection unit 133 may collect information related to moving in or moving out of a real estate subject to risk management. The moving-in household information collection unit 133 may collect such information through the user terminal 200 or the external server 300 .

The moving-in household information collection unit 133 may also collect information on whether the lessee has moved into the real estate subject to risk management through the user terminal 200 .

The CLTV ratio calculation unit 140 calculates the CLTV based on the mortgage set amount and the market price of the real estate collected by the above-described real estate information collection unit 131, and the rental deposit information collected by the jeonse information collection unit 132. can

The CLTV ratio calculator 140 may calculate the CLTV in the same way as in Equation 1 below.

According to an embodiment, the CLTV ratio calculating unit 140 may change various information collected from the real estate information collection unit 131 , the jeonse information collection unit 132 , or the moving-in household information collection unit 133 described above. The CLTV ratio can be recalculated by recalculation.

According to an embodiment, the CLTV ratio calculation of the CLTV ratio calculator 140 may be preferentially performed over the collection of information on whether or not the lessee moves in or moves out by the moving-in household information collection unit 133 .

The risk management unit 150 is based on various information collected or calculated by the real estate information collection unit 131, the jeonse information collection unit 132, the moving-in household information collection unit 133, and the CLTV ratio calculation unit 140 described above. Thus, the CLTV type can be determined.

For example, the risk management unit 150 can determine the CLTV type according to a set standard, and the score according to the CLTV ratio, the score according to whether the lessee moves in or out, the score according to the amount of the mortgage for the real estate, etc. In this way, the CLTV type can be determined.

The risk management unit 150 according to an embodiment determines that the CLTV ratio of the real estate subject to risk management is calculated to be greater than or equal to a predetermined ratio or the CLTV type for the real estate is a specific type (eg, high risk group). In this case, a danger alert may be generated and transmitted to the user terminal 200 .

The risk management unit 150 according to an embodiment may generate a report including information about the mortgage setting information, the CLTV ratio, the CLTV type and whether the lessee moves in or moves out of the real estate subject to risk management, and the generated The report may be transmitted to the user terminal 200 side.

The risk management unit 150 according to an embodiment is a risk management target based on the tenant's moving-in information collected by the moving-in household information collecting unit 133 and the CLTV rate information calculated by the CLTV rate calculating unit 140 . It is possible to determine the type of CLTV for the real estate being used.

CLTV ratio to market price whether to transfer CLTV type (risk) One over 100% transfer middle 2 over 100% non-transfer award 3 100% or less transfer under 4 100% or less non-transfer middle

The risk management unit 150 may classify the CLTV types based on the CLTV ratio information of the real estate subject to risk management and information on whether to move in in the manner shown in Table 1 above. As shown in Table 1, CLTV types can be classified in the same way as high, medium, low or high risk group, medium risk group, and low risk group according to the size of the risk the real estate has.

The risk processing unit 160 may perform post-processing of risks occurring in the real estate subject to risk management. The post-processing performed by the risk processing unit 160 may include a request for explanatory information for changed information or an investigation request for the corresponding real estate.

When the CLTV ratio of the real estate subject to risk management is greater than or equal to a predetermined ratio or the CLTV type for the real estate is determined to be a high-risk type (high-risk group), the risk processing unit 160 requests the user terminal 200 for explanatory information. can be transmitted.

The user may receive such a request for calling information through the user terminal 200 , and transmit the requested calling information to the real estate risk management server 100 .

The risk processing unit 160 provides information on the investigation request for the real estate to the public institution server when the explanatory information for which the request is made is not received within a certain time from the user terminal 200 or when it is determined that there is a risk of fraud. can be delegated and transmitted.

After receiving the calling information from the user terminal 200 , the risk processing unit 160 may determine whether the calling for the CLTV ratio or CLTV type has been completed through analysis thereof. The risk processing unit 160 may be entrusted with the investigation request information for the real estate to the public institution server when it is determined that the clarification has not been completed as a result of the determination or when it is determined that there is a risk of fraud.

When the risk processing unit 160 is entrusted with the investigation request information for a specific real estate to a public institution server such as a police station and transmits it, the investigation request information may necessarily include mortgage loan information for the real estate.

The risk processing unit 160 may determine the above-described risk of fraud by performing real estate management based on the CLTV type calculated by the risk management unit 150 . For example, the risk processing unit 160 may determine the risk of fraud according to which classification the CLTV type (risk) belongs to among high-risk, medium-risk, and low-risk types. Alternatively, whether there is a risk of fraud calculated or determined by the risk processing unit 160 may be determined by a combination of information such as a CLTV ratio and a CLTV type.

According to one embodiment, the risk processing unit 160 changes in the direction of increasing the risk, such as changing the CLTV type from the low-risk type to the medium-risk type or from the medium-risk type to the high-risk type. You may also request epithet information. The risk management unit 150 may transmit a notification of a CLTV type change to the user terminal 200 .

The communication unit 170 enables the real estate risk management server 100 to communicate with the user terminal 200 and the external server 300 . The communication network used by the communication unit 170 to perform communication may be configured regardless of its communication mode, such as wired and wireless, for example, a local area network (LAN), a metropolitan area network (MAN). It may be implemented in various communication networks, such as an area network) and a wide area network (WAN).

The storage unit 180 serves to store information collected, generated, and operated in various components of the real estate risk management server 100 . That is, the storage unit 180 may store information on a user's request for a risk management service, various information on real estate for which risk management is requested, information on a CLTV ratio and a CLTV type, and the like. The storage unit 180 may include, for example, a memory, a cache, a buffer, and the like, and may be composed of software, firmware, hardware, or a combination of at least two or more thereof.

The control unit 190 includes a service reception unit 110, a date management unit 120, a real estate information collection unit 131, a jeonse information collection unit 132, a moving-in household information collection unit 133, a CLTV ratio calculation unit 140, The risk management unit 150 , the risk processing unit 160 , the communication unit 170 , and the storage unit 180 may serve to control the data flow. That is, the control unit 190 according to an embodiment of the present invention includes the service reception unit 110 , the date management unit 120 , the real estate information collection unit 131 , the jeonse information collection unit 132 , and the moving-in household information collection unit 133 . ), the CLTV ratio calculation unit 140 , the risk management unit 150 , the risk processing unit 160 , the communication unit 170 , and the storage unit 180 can be controlled to perform their own functions, respectively. The operation order of each component of the control unit is not determined in the order listed above, but may be operated in an arbitrary order.

In FIG. 2 , the service reception unit 110 , the date management unit 120 , the real estate information collection unit 131 , the jeonse information collection unit 132 , the moving-in household information collection unit 133 , the CLTV ratio calculation unit 140 , the risk management unit 150 , the risk processing unit 160 , and the communication unit 170 may be configured to be integrated as one control unit 190 because the control unit 190 is functionally classified.

3 is a flowchart illustrating a process in which the real estate risk management server 100 performs risk management for a specific real estate according to an embodiment of the present invention.

Referring to FIG. 3 , the real estate risk management server 100 may receive a risk management request for a specific real estate from a user ( S310 ). Such a risk management request may be made by the user terminal 200 , and the user may access a website or execute an application through his/her user terminal 200 to proceed with the risk management request. The risk management request received by the real estate risk management server 100 may include information for specifying at least one real estate. The risk management request may additionally include information on the period for which the user requests service for the real estate.

When a risk management request is received, the real estate risk management server 100 may determine a risk management time and an end time for a specific real estate to which the risk management request is received ( S320 ).

The real estate risk management server 100 may determine the start time and end time of risk management according to the user's request, and when the user does not separately request a specific service period, the risk management start time and end time according to a predetermined rule may decide

The real estate risk management server 100 may collect registration change information and market price information for a specific real estate where risk management has not started and has not ended (S330). The registration change information may include basic information about real estate (address, owner status, land right ratio), etc., and may also include change information such as ownership, usufruct, and security right for real estate. The registration change information may necessarily include information on setting up a mortgage on the real estate.

The real estate risk management server 100 may access an external server 300 such as an Internet registry to collect such registration change information, and may additionally collect market price information on real estate that is a risk management target.

The real estate risk management server 100 may additionally collect rental deposit information in relation to the real estate to be managed (S340), and the collection of such information may be made through the user terminal 200 or the external server 300. have.

Additionally, the real estate risk management server 100 may collect information on whether the lessee moves in or moves out of the real estate subject to risk management ( S350 ).

The real estate risk management server 100 may calculate the CLTV ratio based on the near mortgage setting information, the rental deposit information, and the real estate market value information among the information collected in the previous steps (S360).

The real estate risk management server 100 may determine the CLTV type based on the information collected in the previous steps (S370). Information used to determine the type of CLTV may include CLTV ratio, whether or not to move in, information on setting a near-mortgage right, information on a rental deposit, information on a real estate market value, and the like.

The calculation of the CLTV ratio may be calculated in the same way as in Equation 1 above, and according to an embodiment, when the real estate risk management server 100 detects a change in information affecting the calculation of the CLTV ratio, the CLTV ratio is A recalculation may be made.

In this way, the real estate risk management server 100 in the manner described with reference to FIG. 3 can collect and manage information on real estate that is a risk management target, and CLTV ratio information calculated in steps S360 and S370, CLTV type A risk alert may be generated based on the determination and transmitted to the user terminal 200 , and a risk management related report may be generated based on the collected and calculated information and transmitted to the user terminal 200 .

4 is a flowchart for explaining an operation performed by the real estate risk management server 100 according to an embodiment of the present invention to determine a risk for a real estate to be managed and to perform when a risk occurs.

Referring to FIG. 4 , step S410 in which the real estate risk management server 100 calculates the CLTV ratio based on the amount of the mortgage, the rental deposit and real estate market value, and whether the lessee is transferred may correspond to the step S360 described above, and the real estate risk Step S420 in which the management server 100 determines the CLTV type based on the information collected and calculated for the real estate to be managed may correspond to the step S370 described above.

When the CLTV ratio calculated in step S410 is greater than or equal to a predetermined ratio or when the CLTV type is determined to be a high risk group in step S420, the real estate risk management server 100 may transmit a request for exposition information to the user terminal 200. There is (S440). In this case, the user terminal 200 may be a terminal controlled by a lessee who is a risk management target.

Additionally, the real estate risk management server 100 may transmit a request for exposition information to the user terminal 200 according to the calculated CLTV type.

Thereafter, the real estate risk management server 100 may check whether the explanatory information requested from the user terminal 200 has been received (S450). It can be transmitted (S470).

On the other hand, when the real estate risk management server 100 receives the calling information from the user terminal 200, the real estate risk management server 100 analyzes the received calling information so that the calling for the CLTV ratio or CLTV type is appropriate. It can be judged whether

That is, the real estate risk management server 100 can determine whether the epithet is insufficient through analysis of the epithet information (S460), and when it is determined that the epithet is insufficient or a risk of fraud is detected, the risk management target Investigation request information on real estate may be transmitted to a public institution server (S470). According to an embodiment, whether a risk of fraud is detected may be determined according to a CLTV ratio or a CLTV type.

When the real estate risk management server 100 transmits an investigation request to the public institution server in step S470, the investigation request information includes information on mortgage loan information and rental deposit for the real estate, market price of real estate, whether the tenant moves in, etc. may be included.

According to an embodiment of the present invention, the clarification request and the investigation request request to the public institution server may be processed by the real estate risk management server 100 as described above with reference to FIG. It is possible to directly send an explanation request to the lessee's terminal, and to request an investigation request to a public institution server. That is, the request for clarification to the lessee and the request for investigation to the investigative agency may be performed directly from the user terminal 200, and the real estate risk management server 100 may receive the delegation authority to make the request for clarification and the request for investigation. have.

5 is an exemplary timeline for explaining events related to real estate in which the real estate risk management server 100 performs risk management according to an embodiment of the present invention over time.

Referring to FIG. 5 , a lease contract is concluded for a real estate designated as a risk management target by the real estate risk management server 100 , and a charter loan for the real estate to which the contract is concluded may be performed.

The real estate risk management server 100 according to an embodiment of the present invention may request and receive a written confirmation in relation to a case in which the lessee concludes a lease contract for a specific real estate. In the pledge received by the real estate risk management server 100 from the lessee, (1) a promise to acquire and maintain counter-force, (2) a promise to explain when damage occurs due to loss of resistance, and (3) a promise to take disadvantages when explanation is impossible; The same content may be included.

To this end, the real estate risk management server 100 may have an additional configuration such as a pledge collection unit, and otherwise, the request and collection of the pledge may be made through the control unit 190 of the real estate risk management server 100 .

After the real estate risk management server 100 requests a loan for jeonse funds for the real estate to be managed and the actual loan is executed, the lessee can acquire countermeasures by moving into the real estate and reporting the move-in.

In the case of fraud on the mortgage loan amount for the real estate, the real estate is moved out within a short period of time after the loan is executed, and thereafter, a near-mortgage right may be established, resulting in loss of resistance, and then selling or auctioning the real estate can proceed.

In order to prevent such a situation, the real estate risk management server 100 disclosed in the present invention collects periodic information on whether or not the registration changes during the risk management period for real estate subject to risk management, CLTV ratio and CLTV type According to the calculation and judgment, the request for explanation can be delivered to the lessee.

As described above, when the vocation by the lessee is insufficient, the real estate risk management server 100 may report such a situation to a server of a public institution managed by the police or the like.

As described above, according to various embodiments of the present invention, continuous management of problems occurring after the loan of jeonse funds in relation to real estate can be made, and in a specific situation, an investigation request to a public institution can be automatically performed. .

The steps of the method or algorithm described in relation to the embodiment of the present invention may be implemented directly in hardware, implemented as a software module executed by hardware, or implemented by a combination thereof. A software module may include random access memory (RAM), read only memory (ROM), erasable programmable ROM (EPROM), electrically erasable programmable ROM (EEPROM), flash memory, hard disk, removable disk, CD-ROM, or It may reside in any type of computer-readable recording medium well known in the art to which the present invention pertains.

As mentioned above, although embodiments of the present invention have been described with reference to the accompanying drawings, those skilled in the art to which the present invention pertains can realize that the present invention can be embodied in other specific forms without changing its technical spirit or essential features. you will be able to understand Therefore, it should be understood that the embodiments described above are illustrative in all respects and not restrictive.

10: Real Estate Risk Management System
100: Real Estate Risk Management Server
200: user terminal
300: external server

Claims (18)

In the real estate risk management server that performs real estate risk management using CLTV,
a service reception unit for receiving a risk management execution request for at least one real estate from a user terminal;
a date management unit for determining the start time and end time of risk management for the real estate to which the risk management execution request is received by the service receiving unit;
a real estate information collection unit that collects registration change information including information on setting a mortgage for the real estate through an Internet registry office, and additionally collects market price information on the real estate;
a jeonse information collection unit for collecting rental deposit information for the real estate;
Moving-in household information collection unit for collecting information on whether the lessee moves in or moves out of the real estate;
a CLTV ratio calculator that calculates the CLTV ratio by dividing the sum of the mortgage-backed amount and the rental deposit by the market value of the real estate;
a risk management unit for determining a CLTV type based on information collected or calculated by the real estate information collection unit, the jeonse information collection unit, the moving-in household information collection unit or the CLTV ratio calculation unit; and
When the CLTV ratio is greater than or equal to a certain ratio, or when the CLTV type is determined to be a high risk type, a risk processing unit for transmitting a request for information on this to the user terminal and receiving the requested information from the user terminal,
The risk processing unit,
Analyzes the calling information received from the user terminal, determines whether the calling for the CLTV ratio or CLTV type is completed through the analysis result, and when it is determined that the calling is not completed, or there is a risk of fraud A real estate risk management server, characterized in that it transmits the investigation request information on the real estate to the public institution server when it is determined that.
According to claim 1,
The risk management unit,
A real estate risk management server, characterized in that when the CLTV ratio is greater than a certain ratio or when the CLTV type is determined to be a specific type, a risk alert is generated and transmitted to the user terminal.
According to claim 1,
The risk management unit,
Real estate risk management server, characterized in that it generates a report including information on whether the relative mortgage setting information for the real estate, the CLTV ratio, and whether the lessee moves in or moves out.
According to claim 1,
The CLTV ratio calculator,
A real estate risk management server, characterized in that the CLTV ratio is recalculated when there is a change in the information collected from the real estate information collection unit, the jeonse information collection unit or the moving-in household information collection unit.
delete delete delete According to claim 1,
Investigation request information for the real estate,
The real estate risk management server, which includes information about setting a mortgage right for the real estate, whether the lessee moves in, market price, and rental deposit information.
In the method of the real estate risk management server performing real estate risk management using CLTV,
Receiving a risk management execution request for at least one real estate from the user terminal;
determining a start time and end time of risk management for the real estate to which a risk management execution request is received;
Collecting registration change information including the mortgage setting information for the real estate through an Internet registry office, and additionally collecting market price information for the real estate;
collecting information on whether the lessee moves into or moves out of the real estate;
collecting rental deposit information for the real estate; calculating the CLTV ratio by dividing the sum of the mortgage amount and the rental deposit by the market value of the real estate;
determining a CLTV type based on the registered change information, market price information, rental deposit information, and calculated CLTV ratio information collected for the real estate;
When the CLTV ratio is greater than or equal to a certain ratio or when the CLTV type is determined to be a high-risk type, transmitting a request for calling information to the user terminal and receiving the requested calling information from the user terminal; and
Analyzes the calling information received from the user terminal, determines whether the calling for the CLTV ratio or CLTV type is completed through the analysis result, and when it is determined that the calling is not completed, or there is a risk of fraud A method of performing real estate risk management of a real estate risk management server, comprising the step of transmitting the investigation request information on the real estate to a public institution server when it is determined that.
10. The method of claim 9,
When the CLTV ratio is greater than or equal to a certain ratio, or when the CLTV type is determined to be a specific type, generating and transmitting a risk alert to a user terminal further comprising: a real estate risk management method of a real estate risk management server.
10. The method of claim 9,
The method of performing real estate risk management of a real estate risk management server, further comprising generating a report including information on whether the relative mortgage setting information for the real estate, the CLTV ratio, and the tenant move in or move out.
10. The method of claim 9,
Further comprising the step of re-calculating the CLTV ratio when there is a change in at least one of the registration information for the real estate, the rental deposit information, or the information on whether the tenant moves in or moves out, the real estate risk management server's How to conduct real estate risk management.
delete delete delete 10. The method of claim 9,
Investigation request information for the real estate,
A method of performing real estate risk management of a real estate risk management server, which includes information on setting a mortgage right for the real estate, whether the lessee moves in, market price, and rental deposit information.
A program recorded in a storage medium for performing the method of any one of claims 9 to 12 or 16.
A storage medium in which a program for performing the method of any one of claims 9 to 12 or 16 is recorded.

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