KR102602116B1 - Method for provide rental contract safety evaluation - Google Patents

Abstract

In the method of providing a rental contract safety evaluation performed by a server according to the first embodiment of the present invention, (a) public information including a copy of the register, building ledger information, and real estate market information from at least one real estate public information server; receiving; (b) Evaluating the safety level of whether the deposit can be recovered when the real estate subject to the contract is auctioned based on the deposit written in the lease agreement, market price information of the real estate subject to the contract, and the expected auction winning price of the real estate subject to the contract; And (c) visualizing the information on the evaluated safety level and transmitting it to the user terminal; The present invention is supported by the 2022 Fintech Blockchain Technology Commercialization Support Project of the Seoul Business Agency of Seoul (Task No. FB220035). This is a technology developed through (Task title: Non-face-to-face move-in report/confirmed date application/monthly rent report solution).

Description

{METHOD FOR PROVIDE RENTAL CONTRACT SAFETY EVALUATION}

The present invention relates to a method for providing evaluation of the safety of a rental contract. More specifically, when a lessor and a lessee enter into a rental contract through a broker, the safety of the rental contract is evaluated by checking public information to see if the contract is appropriate. It concerns how to calculate grades and provide them.

Real estate has great meaning in human life as one of clothing, food, and care. Additionally, it is an area that experiences the greatest change depending on economic conditions.

When the flow of the economy changes, interest rates in the financial market change, and when interest rates change, loan interest for the sale of real estate is also affected. Therefore, the result may be a downturn in the real estate market.

Real estate transactions, including sales, leases, and monthly rents, are not easily known to the general public, and it is difficult to comprehensively check various information as a contract is processed. Real estate agents help with this, but recently, real estate fraud involving licensed real estate agents has been on the rise. In other words, conducting a real estate transaction without market prices or information on local real estate has potential risks.

In such real estate transactions, conventionally, a real estate agent, a lessor, and a lessee would meet, confirm the actual property for sale, and then proceed with the transaction by writing a lease agreement. However, compared to a real estate agent who can verify a license or verify a business location, it was not easy for a landlord to determine whether the landlord was the actual owner of the building or an agent. It is not easy for buyers or lessees to individually check the register or building register for real estate.

Accordingly, the rental contract safety evaluation calculates the safety level of the rental contract by checking public information to check the owner information of the real estate, whether registration rights are violated, the number of houses owned by the landlord, whether the violating building is registered, whether there is a potential violating building, whether there is land right, etc. There is a need for a method of providing it.

This invention is a technology developed through the 2022 Fintech Blockchain Technology Commercialization Support Project (Task No. FB220035) (Task Name: Non-face-to-face moving-in report/confirmed date application/monthly rent report solution) of the Seoul Business Agency of Seoul.

The present invention is intended to solve the problems of the prior art described above, and checks public information to check the owner information of real estate, whether registration rights are violated, the number of houses owned by the landlord, whether the violating building is registered, whether there is a potential violating building, whether there is land right, etc. The purpose is to provide a method for evaluating the safety of rental contracts that calculates the safety level of the rental contract.

However, the technical challenge that this embodiment aims to achieve is not limited to the technical challenges described above, and other technical challenges may exist.

As a technical means for achieving the above-described technical problem, in the method of providing a security evaluation of a rental agreement performed by a server according to the first embodiment of the present invention, (a) a certified copy of the register from at least one real estate public information server, Receiving public information including building ledger information and real estate market information; (b) Evaluating the safety level of whether the deposit can be recovered when the real estate subject to the contract is auctioned based on the deposit written in the lease agreement, market price information of the real estate subject to the contract, and the expected auction winning price of the real estate subject to the contract; and (c) visualizing information about the evaluated safety level and transmitting it to the user terminal.

In addition, before step (a), the rental agreement is photographed using the photography function of the application pre-installed on the user terminal and transmitted to the server, and the server reads the text written in the rental agreement using OCR, and the user terminal Confirm and revise the contents of the above lease agreement.

In addition, in step (b), the market information received from the real estate public information server is market information provided by a specific financial institution, or is market information calculated through a real estate price evaluation model established by a specific institution.

In addition, step (b) includes: (b-1) the server confirming the deposit of the rental agreement; (b-2) accessing the Ministry of Land, Infrastructure and Transport server to query information on the auction success rate of real estate surrounding the real estate, and calculating the auction success rate of the surrounding real estate as an average value; (b-3) checking the senior bond amount from the certified copy of the register; and (b-4) multiplying the real estate price information by the auction winning bid rate and subtracting the senior bond amount to calculate the comparative amount, and comparing the comparative amount with the deposit. The higher the comparative amount is than the deposit, the higher the safety level. It includes; determining to be high.

In addition, before step (c) above, the broker information is confirmed from the server of the Association of Certified Real Estate Agents, and from the register copy and building ledger information, information on the owner of the real estate, whether registration rights are violated, the number of houses owned by the landlord, whether the violating building is registered, potential information, etc. Check whether there are any violating buildings and land rights.

In addition, the broker information is checked on the server of the Licensed Real Estate Agents Association based on the information of the licensed real estate agent to confirm whether the broker is registered with the Certified Real Estate Brokers Association, and the owner information is the information of the lessor or seller written in the contract and the information on the register copy. It is to check whether the owner of the real estate matches, and whether the registration rights are violated is to check whether there is seizure or provisional seizure information on assets among the contents of the register copy, and the number of houses owned by the landlord is determined by the list of joint collaterals on the register copy. If so, it is determined whether the lessor or seller owns multiple homes or determines whether they own multiple homes based on the information collected in the server, and whether the violation building is registered is checked through the building register to check whether the real estate is registered as a violation building. In order to check whether the property is a potential violation building, it is checked whether the real estate is residential from the building register, and whether the land right is checked is to check whether the land right of the relevant real estate is mentioned to the lessor or seller in the building register.

In addition, before step (a), it further includes a step of pre-evaluating the safety level before concluding a rental contract, wherein the pre-evaluation step involves receiving the address of the real estate subject to the contract and the deposit from the user terminal and providing a pre-assessment of the deposit. When performing a safety level evaluation and receiving lessor personal information or real estate agent personal information from the user terminal, it is checked whether the owner and lessor on the register match and whether the real estate agent is a real estate agent officially registered with the Certified Real Estate Agents Association.

In addition, after step (c), after the conclusion of the lease agreement is completed, the certified copy of the register is monitored, and if there is a change in the real rights of the real estate, a notification is provided to the user terminal if the change in the real rights occurs. do.

In addition, after step (c), a UI for applying for a confirmed date is provided to the user terminal, the date on which the user wishes to apply for a confirmed date is input, and the contract information entered by the user terminal on that date is provided, It further includes the step of accessing the at least one real estate public information server based on the register copy information and building ledger information and automatically requesting a confirmed date.

In addition, the safety level is displayed in the form of a graph in one area of the application, and grade classifications including “safety,” “normal,” “caution,” and “judgment withheld” are displayed in an adjacent area of the graph, If the comparison target amount is greater than the deposit than the preset amount, “Safe” is displayed. If the comparison target amount is greater than the deposit, “Normal” is displayed, and the comparison target amount is the same as the deposit. In this case, “Caution” is displayed, and if the comparison amount is less than the deposit, “Judgment withheld” is displayed.

In addition, in one area of the application, the expected recoverable amount including the contract amount, expected auction winning price, expected auction execution cost, and priority setting amount is displayed together in the form of a bar graph and in numbers.

A rental contract safety evaluation providing device performed by a server, comprising: a memory storing a program related to a rental contract safety evaluation providing method; and a processor for executing the program, the method comprising: (a) receiving public information including a copy of the register, building ledger information, and real estate market information from at least one real estate public information server; (b) Evaluating the safety level of whether the deposit can be recovered when the real estate subject to the contract is auctioned based on the deposit written in the lease agreement, market price information of the real estate subject to the contract, and the expected auction winning price of the real estate subject to the contract; and (c) visualizing information about the evaluated safety level and transmitting it to the user terminal.

The present invention can calculate the safety level of a rental agreement by checking public information to check the owner information of the real estate, whether registration rights are violated, the number of houses owned by the landlord, whether the violating building is registered, whether there is a potential violating building, whether there is land right, etc.

Figure 1 is a structural diagram of a method for providing safety evaluation of a rental contract according to an embodiment of the present invention.
Figure 2 is a structural diagram of a server for a method for providing a security evaluation of a rental agreement according to an embodiment of the present invention.
Figure 3 is a flowchart showing the process of a method for providing safety evaluation of a rental agreement according to an embodiment of the present invention.
Figure 4 is a flowchart showing the safety grade evaluation process of the method for providing safety evaluation of a rental contract according to an embodiment of the present invention.
Figures 5 to 11 are exemplary diagrams for explaining the application of a method for providing a safety evaluation of a rental contract according to an embodiment of the present invention.

This invention is a technology developed through the 2022 Fintech Blockchain Technology Commercialization Support Project (Task No. FB220035) (Task Name: Non-face-to-face moving-in report/confirmed date application/monthly rent report solution) of the Seoul Business Agency of Seoul.

Below, with reference to the attached drawings, embodiments of the present invention will be described in detail so that those skilled in the art can easily implement the present invention. However, the present invention may be implemented in many different forms and is not limited to the embodiments described herein. In order to clearly explain the present invention in the drawings, parts that are not related to the description are omitted, and similar parts are given similar reference numerals throughout the specification.

Throughout the specification, when a part is said to be "connected" to another part, this includes not only the case where it is "directly connected," but also the case where it is "electrically connected" with another element in between. . Additionally, when a part "includes" a certain component, this means that it may further include other components rather than excluding other components, unless specifically stated to the contrary.

In this specification, 'part' includes a unit realized by hardware, a unit realized by software, and a unit realized using both. Additionally, one unit may be realized using two or more pieces of hardware, and two or more units may be realized using one piece of hardware. Meanwhile, '~ part' is not limited to software or hardware, and '~ part' may be configured to reside in an addressable storage medium or may be configured to reproduce one or more processors. Therefore, as an example, '~ part' refers to components such as software components, object-oriented software components, class components, and task components, processes, functions, properties, and procedures. , subroutines, segments of program code, drivers, firmware, microcode, circuits, data, databases, data structures, tables, arrays, and variables. The functions provided within the components and 'parts' may be combined into a smaller number of components and 'parts' or may be further separated into additional components and 'parts'. Additionally, components and 'parts' may be implemented to regenerate one or more CPUs within a device or a secure multimedia card.

The “user terminal” mentioned below may be implemented as a computer or portable terminal that can connect to a server or other terminal through a network. Here, the computer is, for example, a laptop equipped with a web browser, a desktop, a laptop, a VR HMD (e.g., HTC VIVE, Oculus Rift, GearVR, DayDream, PSVR, etc.), etc. may include. Here, VR HMD is for PC (e.g. HTC VIVE, Oculus Rift, FOVE, Deepon, etc.), mobile (e.g. GearVR, DayDream, Storm Magic, Google Cardboard, etc.), and console (PSVR). Includes independently implemented Stand Alone models (e.g. Deepon, PICO, etc.). Portable terminals are, for example, wireless communication devices that ensure portability and mobility, including smart phones, tablet PCs, and wearable devices, as well as Bluetooth (BLE, Bluetooth Low Energy), NFC, RFID, and ultrasonic devices. , may include various devices equipped with communication modules such as infrared, WiFi, and LiFi. In addition, “network” refers to a connection structure that allows information exchange between nodes such as terminals and servers, including a local area network (LAN), a wide area network (WAN), and the Internet. (WWW: World Wide Web), wired and wireless data communication network, telephone network, wired and wireless television communication network, etc. Examples of wireless data communication networks include 3G, 4G, 5G, 3GPP (3rd Generation Partnership Project), LTE (Long Term Evolution), WIMAX (World Interoperability for Microwave Access), Wi-Fi, Bluetooth communication, infrared communication, and ultrasound. This includes, but is not limited to, communication, Visible Light Communication (VLC), LiFi, etc.

First, with reference to Figure 1, the structure of the method for providing safety evaluation of a rental contract according to an embodiment of the present invention will be described.

According to Figure 1, the present invention may include a safety rating evaluation server 100, a user terminal 200, and a real estate public information server 300.

The safety level evaluation server 100 will be described with reference to FIG. 2 below.

Figure 2 below is a structural diagram of the safety grade evaluation server 100 of the method for providing safety evaluation of a rental contract according to an embodiment of the present invention.

According to Figure 2, the safety level evaluation server 100 of the present invention may include a memory 110, a processor 120, and a communication module 130.

The memory 110 stores at least one of information and data input to the communication module 130, information and data required for functions performed by the processor 120, and data generated according to execution of the processor 120. You can. Memory 110 should be interpreted as a general term for non-volatile storage devices that continue to retain stored information even when power is not supplied and volatile storage devices that require power to maintain stored information. Additionally, the memory 110 may perform a function of temporarily or permanently storing data processed by the processor 120. The memory 110 may include magnetic storage media or flash storage media in addition to volatile storage devices that require power to maintain stored information, but the scope of the present invention is not limited thereto. no.

The memory 110 stores the rental contract safety grade evaluation program, receives information about the real estate rental contract from the user terminal 200 through the processor 120, and links it to the program. The name of the program is set for convenience of explanation, and the name itself does not limit the function of the program.

The processor 120 is configured to execute the rental agreement safety level evaluation program stored in the memory 110. The processor 120 may include various types of devices that control and process data. The processor 120 may refer to a data processing device built into hardware that has a physically structured circuit to perform functions expressed by codes or instructions included in a program. In one example, the processor 120 may include a microprocessor, a central processing unit (CPU), a processor core, a multiprocessor, an application-specific integrated circuit (ASIC), or an FPGA ( It may be implemented in the form of a field programmable gate array, etc., but the scope of the present invention is not limited thereto.

The communication module 130 can transmit and receive information with an external database or external device. Here, the external device may be a user terminal 200 or a real estate public information server 300. The communication module 130 may include a device including hardware and software necessary to transmit and receive signals such as control signals or data signals through wired or wireless connections with other network devices.

The communication module 130 transmits the rental agreement safety rating program stored in the memory 110 provided by the processor 120 of the safety rating evaluation server 100 to an external database or external device so that it can be linked.

The user terminal 200 may include a smartphone, a tablet PC, or a PC configured with a screen and capable of performing input, but the user terminal 200 is not limited thereto. The user terminal 200 may receive and store the safety grade of the rental agreement from the safety grade evaluation server 100.

The real estate public information server 300 may include an Internet registry office server, a building ledger server, a Ministry of Land, Infrastructure and Transport server, and a market information provision server. However, the real estate public information server 300 is not limited to this. A description of each server will be provided below with reference to FIG. 3.

Hereinafter, with reference to FIGS. 3 and 5 to 11, the process and application of the method for providing safety evaluation of a rental contract according to an embodiment of the present invention will be described.

First, a real estate lease agreement is received from the user terminal 200 and converted into text (S310).

The S310 process will be described below with reference to FIGS. 5 to 8.

Referring to FIG. 5 , as shown in (a) of FIG. 5 , the server may receive a rental agreement photographed using the photographing function of an application pre-installed on the user terminal 200. And, as shown in FIGS. 5 (b) to 8, the text of the received rental agreement is read and stored using OCR, and the user terminal 200 can check and modify the contents of the rental agreement.

At this time, the user terminal 200 confirms the location (address) as shown in (b) of FIG. 5 and selects housing types including apartments, multi-family houses, townhouses, multi-family houses, officetels, single-family houses, gosiwons, and others. You can check the contract amount (deposit and monthly rent) and account information as shown in (c) of Figure 5.

And, as shown in (a) to (c) of Figure 6, you can select whether the contract is new or renewed, whether to exercise or not exercise the right to request contract renewal, and check the previous contract amount (deposit and monthly rent).

In addition, although not shown in the drawing, the start and end of the lease contract period can be entered in year, month, and day, and the contract conclusion date can be entered. You can also enter the management fee, and select the items included in the management fee from electricity, gas, water, internet, septic tank, building cleaning fee, common management fee, and others.

And as shown in (a) to (c) of Figure 7, tenant, landlord and broker information can be confirmed, and as shown in (a) to (c) of Figure 8, real estate information, contract details, management fee details, tenant information, and landlord information , you can finally check the contract contents, including joint holder information and broker information.

Next, public information including a copy of the register, building ledger information, and real estate market information is received from the real estate public information server (S320).

The S320 process can be explained with reference to (a) of FIG. 9 below. The server can compare and diagnose the contract with information in the register and ledger as described below.

The real estate public information server may include an Internet registry office server, a building ledger server, a Ministry of Land, Infrastructure and Transport server, and a market price information server.

The Internet registry office server can provide a copy of the register for real estate. A copy of the register is a document prepared by copying the original document related to registration, and registration is a process in which a state agency records certain rights related to real estate in the register according to legal procedures. Therefore, registration is a requirement for changes in rights to real estate. Anyone can view and issue a copy of the register by paying a fee to a government agency.

The building ledger server provides a building ledger for real estate. The building register is used to manage the details of constructed buildings and serves as the basis for imposing taxes. In addition, it can be said to serve as evidence so that measures can be taken against actions that seek to profit by using buildings unreasonably, such as real estate speculation.

The Ministry of Land, Infrastructure and Transport server provides information on the auction winning price rate of surrounding real estate, and the market price information server can provide market price information on real estate. At this time, the market information may be either price information provided by a specific financial institution or price information calculated through a real estate price evaluation model established by a specific institution.

Next, the safety grade is evaluated based on the contract amount written in the rental agreement (S330).

The server can evaluate the safety level of whether the deposit can be recovered when the real estate subject to the contract is auctioned based on the deposit written in the lease agreement, market price information of the real estate subject to the contract, and the expected auction winning price of the real estate subject to the contract.

The S330 process will be described in detail below with reference to FIG. 4.

Figure 4 below is a flowchart showing the safety grade evaluation process of the method for providing safety evaluation of a rental contract according to an embodiment of the present invention.

According to Figure 4, first, the rental agreement evaluation server confirms the deposit of the rental agreement (S331). Next, the server of the Ministry of Land, Infrastructure and Transport is accessed to query information on the auction success rate of real estate surrounding the real estate, and the auction success rate of the surrounding real estate is calculated as the average value (S332).

The rental contract evaluation server verifies the deposit in the rental contract, connects to the Ministry of Land, Infrastructure and Transport server, and searches for information on the auction winning bid rate, which is the ratio of how much the discount was compared to the auction price for surrounding real estate adjacent to the address of the property in question. And the auction success rate of surrounding real estate is calculated as the average value.

Next, check the senior bond amount from the certified copy of the register (S333). Next, the real estate market information is multiplied by the auction winning bid rate, the amount minus the senior bond amount is compared with the deposit amount, and the safety level is determined based on whether the deposit can be recovered at the auction (S334).

The rental contract evaluation server can calculate the comparative amount by multiplying the real estate market information by the auction winning bid rate, subtracting the senior bond amount, and comparing the comparative amount and the deposit amount to determine the safety level. At this time, the greater the comparison amount is than the deposit, the higher the safety level can be determined. More specifically, if the comparison amount is greater than the deposit than the preset amount, “Safe” is displayed; if the comparison amount is greater than the deposit, “Normal” is displayed; and if the comparison amount is the same as the deposit, “Normal” is displayed. , “Caution” can be expressed, and if the comparison amount is less than the deposit, “judgment withheld” can be expressed.

Next, the rental contract evaluation server verifies the real estate agent information from the certified real estate agent association server, and obtains real estate owner information from the register copy and building ledger information, whether registration rights are violated, the number of houses owned by the landlord, whether the violating building is registered, whether the building is potentially violating, and Check whether there is a land right (S340).

At this time, the broker information is checked on the server of the Licensed Real Estate Agents Association based on the information of the licensed real estate agent to check whether the real estate agent is registered with the Certified Real Estate Agents Association, and the owner information is the information of the lessor or seller written in the contract and the owner of the real estate on the register. This is to check whether they match, and whether registration rights are violated is to check whether there is seizure or provisional seizure information on assets among the contents of the register, and the number of houses owned by the lessor is determined by checking whether there is a list of common collateral on the register, the number of houses owned by the lessor or seller. This is to determine whether or not a person owns multiple homes based on information collected on the rental contract evaluation server.

In addition, whether or not a violative building is registered means checking whether the real estate is registered as a violative building through the building register. Whether a potential violative building is checked by checking whether the real estate is residential or not is checked from the building register. Whether or not the land right is registered is checked from the building register by the landlord or landlord. This is to check whether the seller has mentioned the land rights of the property. Complex buildings such as apartments include land rights, but there may be cases where the land rights are not linked to the house. If land rights are not included in the complex, you must be careful as you will need to check the land registration again.

Next, the rental agreement information inquiry is completed and the results are transmitted to the user terminal 200 (S350).

The S350 process can be described below with reference to FIGS. 9(b) to 11.

According to (b) to (c) of Figure 9, the application confirms the contract amount, owner information, expected number of houses owned by the lessor, broker information, whether registration rights are violated, whether there is a potential violation building, and the results of senior bond amount and land rights. It can be marked.

And, as shown in Figures 10 and 11, the safety level is displayed in the form of a graph in one area of the application already installed on the user terminal 200, and "safe", "normal", "caution" and "judgment reserved" are displayed. The grade classification included can be displayed in an adjacent area of the graph. In addition, in one area of the application, the expected recoverable amount, including the contract amount, expected auction winning price, expected auction execution cost, and priority setting amount, can be displayed together in the form of a bar graph and in numbers.

The safety level can be evaluated in advance before concluding a rental contract according to an additional embodiment of the present invention. In this case, the address of the real estate subject to the contract and the deposit can be received from the user terminal 200 and a prior safety rating evaluation of the deposit can be performed. In addition, when receiving the lessor's personal information or the real estate agent's personal information from the user terminal 200, it is possible to check whether the owner on the register and the lessor match and whether the real estate agent is a real estate agent officially registered with the Certified Real Estate Agents Association.

After the conclusion of the lease agreement according to an additional embodiment of the present invention is completed, a copy of the register is monitored, and if there is a change in the real rights of the real estate, a notification can be provided to the user terminal 200 if a change in the real rights occurs.

After the conclusion of the rental agreement according to an additional embodiment of the present invention is completed, a UI for applying for a confirmed date is provided to the user terminal 200, the date for which the user wishes to apply for a confirmed date is input, and the corresponding Based on the contract information, register copy information, and building ledger information entered by the user terminal 200 on the date, it is possible to connect to at least one real estate public information server 300 and automatically apply for a confirmed date.

If the auction winning bid rate information according to an additional embodiment of the present invention is continuously collected in the rental agreement evaluation server, the DB stored in the rental agreement evaluation server can be utilized without accessing the Ministry of Land, Infrastructure and Transport server.

One embodiment of the present invention may also be implemented in the form of a recording medium containing instructions executable by a computer, such as program modules executed by a computer. Computer-readable media can be any available media that can be accessed by a computer and includes both volatile and non-volatile media, removable and non-removable media. Additionally, computer-readable media may include all computer storage media. Computer storage media includes both volatile and non-volatile, removable and non-removable media implemented in any method or technology for storage of information such as computer-readable instructions, data structures, program modules or other data.

Although the methods and systems of the present invention have been described with respect to specific embodiments, some or all of their components or operations may be implemented using a computer system having a general-purpose hardware architecture.

The description of the present invention described above is for illustrative purposes, and those skilled in the art will understand that the present invention can be easily modified into other specific forms without changing the technical idea or essential features of the present invention. will be. Therefore, the embodiments described above should be understood in all respects as illustrative and not restrictive. For example, each component described as unitary may be implemented in a distributed manner, and similarly, components described as distributed may also be implemented in a combined form.

The scope of the present invention is indicated by the claims described below rather than the detailed description above, and all changes or modified forms derived from the meaning and scope of the claims and their equivalent concepts should be construed as being included in the scope of the present invention. do.

100: Safety grade evaluation server 110: Memory
120: processor 130: communication module
200: User terminal 300: Real estate public information server

Claims (12)

In the method of providing a rental agreement safety evaluation performed by a server,
(a) receiving public information including a certified copy of the register, building ledger information, and real estate market information from at least one real estate public information server;
(b) Evaluating the safety level of whether the deposit can be recovered when the real estate subject to the contract is auctioned based on the deposit written in the lease agreement, market price information of the real estate subject to the contract, and the expected auction winning price of the real estate subject to the contract; and
(c) visualizing information about the evaluated safety level and transmitting it to the user terminal;
Including,
Before step (c) above,
Confirm the real estate agent information from the Certified Real Estate Agents Association server, check the owner information of the above real estate, whether registration rights are violated, the number of houses owned by the landlord, whether the violating building is registered, whether there is a potential violating building, and whether there is land right from the above register and building ledger information,
The broker information is checked on the server of the Association of Certified Real Estate Agents based on the information of the licensed real estate agent to confirm whether the broker is registered with the Association of Certified Real Estate Agents,
The owner information is to check whether the information of the lessor or seller written in the contract matches the owner of the real estate on the copy of the register,
To determine whether the registration rights are violated, check whether there is information about seizure or provisional seizure of assets among the contents of the certified copy of the register,
The number of houses owned by the lessor is determined by determining whether the lessor or seller owns multiple homes if there is a list of joint collateral on the register, or by determining whether the lessor or seller owns multiple homes based on the information collected on the server,
Whether or not the violative building is registered is to check whether the real estate is registered as a violative building through the building register,
To determine whether the potential violation building is a residential building, check whether the real estate is residential or not from the building register.
The above-mentioned land right is to check whether the land right of the relevant real estate is mentioned in the building register to the lessor or seller,
How to provide a safety assessment in a rental agreement. According to claim 1,
Before step (a) above,
The rental agreement is photographed using the photographing function of the application pre-installed on the user terminal and transmitted to the server,
The server reads the text written in the rental agreement using OCR,
The user terminal checks and modifies the contents of the rental agreement,
How to provide a safety assessment in a rental agreement. According to claim 1,
Step (b) above is
The price information received from the real estate public information server is either price information provided by a specific financial institution or price information calculated through a real estate price evaluation model established by a specific institution,
How to provide a safety assessment in a rental agreement. According to claim 1,
In step (b),
(b-1) the server confirming the deposit of the rental agreement;
(b-2) accessing the Ministry of Land, Infrastructure and Transport server to query information on the auction success rate of real estate surrounding the real estate, and calculating the auction success rate of the surrounding real estate as an average value;
(b-3) checking the senior bond amount from the certified copy of the register; and
(b-4) Calculate the comparative amount by multiplying the real estate market information by the auction winning bid rate and subtracting the senior bond amount, and comparing the comparative amount with the deposit. The higher the comparative amount is than the deposit, the higher the safety level. Deciding high;
which includes,
How to provide a safety assessment in a rental agreement. delete delete According to claim 1,
Before step (a) above,
It further includes the step of pre-evaluating the safety grade before concluding a rental contract,
The pre-evaluation step is,
The address and deposit of the real estate subject to the contract are received from the user terminal, and a preliminary safety rating evaluation of the deposit is performed. When the lessor's personal information or the broker's personal information is received from the user terminal, it is checked whether the owner and the lessor on the register match and the real estate agent is checked. This is to check whether the broker is officially registered with the Certified Real Estate Brokerage Association.
How to provide a safety assessment in a rental agreement. According to claim 1,
After step (c) above,
After the conclusion of the lease agreement is completed, monitor the copy of the register and check if there are any changes in the real estate rights,
If the above change in real rights occurs,
Providing notifications to the user terminal,
How to provide a safety assessment in a rental agreement. According to claim 1,
After step (c) above
Provide a UI for applying for a confirmed date through the user terminal,
Receive input of the date for which you wish to apply for a confirmed date from the user terminal, connect to the at least one real estate public information server based on the contract information, register copy information, and building ledger information entered by the user terminal on the relevant date, and automatically It further includes the step of applying for a confirmed date,
How to provide a safety assessment in a rental agreement. According to claim 4,
Displaying the safety level in the form of a graph in one area of the application,
Grade classifications including “safe”, “normal”, “caution” and “judgment reserved” are displayed in adjacent areas of the graph,
If the comparison amount is greater than the deposit than the preset amount, “safe” is displayed,
If the comparison amount is greater than the deposit, it is expressed as “average”,
If the comparison amount is the same as the deposit, “Caution” is displayed,
If the comparative amount is less than the deposit, it is expressed as “judgment reserved”,
How to provide a safety assessment in a rental agreement. According to claim 10,
In one area of the application, the expected recoverable amount, including the contract amount, expected auction winning price, expected auction execution cost, and priority setting amount, is displayed together in the form of a bar graph and in numbers,
How to provide a safety assessment in a rental agreement. In the rental agreement safety evaluation provision device performed by the server,
A memory for storing a program on how to provide a safety evaluation of a rental agreement; and
Includes a processor for executing the program,
The above method is
(a) receiving public information including a certified copy of the register, building ledger information, and real estate market information from at least one real estate public information server;
(b) Evaluating the safety level of whether the deposit can be recovered when the real estate subject to the contract is auctioned based on the deposit written in the lease agreement, market price information of the real estate subject to the contract, and the expected auction winning price of the real estate subject to the contract; and
(c) visualizing information about the evaluated safety level and transmitting it to the user terminal;
Including,
Before step (c) above,
Confirm the real estate agent information from the Certified Real Estate Agents Association server, check the owner information of the above real estate, whether registration rights are violated, the number of houses owned by the landlord, whether the violating building is registered, whether there is a potential violating building, and whether there is land right from the above register and building ledger information,
The broker information is checked on the server of the Association of Certified Real Estate Agents based on the information of the licensed real estate agent to confirm whether the broker is registered with the Association of Certified Real Estate Agents,
The owner information is to check whether the information of the lessor or seller written in the contract matches the owner of the real estate on the copy of the register,
To determine whether the registration rights are violated, check whether there is information about seizure or provisional seizure of assets among the contents of the certified copy of the register,
The number of houses owned by the lessor is determined by determining whether the lessor or seller owns multiple homes if there is a list of joint collateral on the register, or by determining whether the lessor or seller owns multiple homes based on the information collected on the server,
Whether or not the violative building is registered is to check whether the real estate is registered as a violative building through the building register,
To determine whether the potential violation building is a residential building, check whether the real estate is residential or not from the building register.
The above-mentioned land right is to check whether the land right of the relevant real estate is mentioned in the building register to the lessor or seller,
A device for providing safety evaluation of rental contracts.

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