KR102651973B1 - Method and system for performing multivariate real estate tax simulation - Google Patents

Abstract

The present disclosure provides a method for multivariate real estate tax simulation, performed by at least one processor. The method includes receiving information for specifying a held real estate from a user, receiving information associated with the owner of the held real estate from the user, and based on the information for specifying the held real estate and the information associated with the owner of the held real estate. It includes the step of outputting the results of the tax simulation for the real estate held.

Description

Multivariate real estate tax simulation method and system {METHOD AND SYSTEM FOR PERFORMING MULTIVARIATE REAL ESTATE TAX SIMULATION}

This disclosure relates to a multivariate real estate tax simulation method and system. Specifically, by simulating changes in real estate taxes such as capital gains tax according to multivariate independent of each other, decisions such as transfer timing, actual occupancy period, etc. It relates to a real estate tax simulation method and system to help.

Capital gains tax refers to a tax levied on capital gains earned by transferring assets. Recently, as real estate prices rise, people's interest in taxes related to real estate transfers is increasing. However, in this case, the actual profit from the transfer of real estate may differ depending on the capital gains tax incurred. Therefore, real estate operators (owners) need to consider capital gains tax and decide when to transfer real estate.

Meanwhile, various variables may exist when calculating capital gains tax. Additionally, whenever real estate policy changes, the method of calculating capital gains tax and the variables required for calculation may change. Additionally, in order to compare the capital gains tax of real estate, there is the inconvenience of having to calculate the capital gains tax for each situation by the property owner individually entering the values of the independent variables that affect the capital gains tax.

Korean Patent Publication No. 10-2001-0096249 (2001.11.07)

The present disclosure provides a multivariate real estate tax simulation method and device (system) to solve the above problems.

The present disclosure may be implemented in various ways, including as a method, device (system), or computer program stored in a readable storage medium.

According to one embodiment of the present disclosure, a multivariate real estate tax simulation method includes receiving information for specifying a real estate held from a user, receiving information associated with an owner of the owned real estate from the user, and specifying the owned real estate. It may include the step of outputting the results of a tax simulation for the held real estate based on information related to the owner of the held real estate.

According to an embodiment of the present disclosure, the tax simulation results may include a graph showing changes in taxes on real estate owned according to changes in multivariate variables that are independent of each other.

According to an embodiment of the present disclosure, the information associated with the owner of the owned real estate includes the number of houses owned, the acquisition time of the owned real estate, and the acquisition amount of the held real estate, and the tax simulation results are based on changes in multiple variables that are independent of each other. It includes a graph showing changes in capital gains tax on real estate, and independent multivariate variables may include at least two of the time of transfer, amount of transfer, or time of actual occupancy.

According to an embodiment of the present disclosure, the independent multivariate variables are the actual occupancy period and the transfer period, the transfer amount in the tax simulation is a fixed value, the actual occupancy period and holding period in the tax simulation are the dependent variables, and the graph is the user's It may be a graph showing the amount of capital gains tax savings on real estate held according to changes in actual occupancy and transfer times.

According to an embodiment of the present disclosure, the capital gains tax savings amount for real estate owned may be the tax savings amount compared to the capital gains tax when the user does not actually move in.

According to an embodiment of the present disclosure, the independent multivariate includes the transfer timing and the transfer amount, the actual occupancy period in the tax simulation is a fixed value, the actual occupancy period and holding period in the tax simulation are dependent variables, and the graph is It may be a graph showing the effect of capital gains tax savings on real estate held according to changes in the user's transfer time and transfer amount.

According to an embodiment of the present disclosure, the method further includes the step of determining the publicly announced land price of the owned real estate based on information for specifying the held real estate, and the information associated with the owner of the held real estate includes the number of houses held, the owned real estate It includes the acquisition time and the age of the owner, and the tax simulation is performed based on the publicly announced land price of the owned real estate and information related to the owner of the owned real estate, and the tax simulation results are based on the holding tax of the owned real estate according to changes in multiple variables that are independent of each other. May include graphs showing changes.

According to an embodiment of the present disclosure, multivariate variables that are independent of each other may include the annual increase rate of the publicly announced land price of the owned real estate and the year of payment of the ownership tax.

In order to execute the method according to an embodiment of the present disclosure on a computer, a computer program stored in a computer-readable recording medium may be provided.

According to an embodiment of the present disclosure, a real estate tax simulation device is provided. The device includes a communication module, a memory, and at least one processor connected to the memory and configured to execute at least one computer-readable program included in the memory, wherein the at least one program is configured to specify real estate held by the user. To receive information related to the owner of the held real estate from the user, and to output tax simulation results for the held real estate based on information for specifying the held real estate and information associated with the owner of the held real estate. May contain commands.

According to various embodiments of the present disclosure, users can easily check the capital gains tax and tax savings for each scenario at a glance by receiving real estate tax simulation results according to multivariate changes. Additionally, users can easily compare and analyze taxes according to independent variables that affect capital gains tax. Accordingly, these simulation results can help users make decisions about real estate management.

According to various embodiments of the present disclosure, a user can easily specify a owned real estate by entering the address or name of the owned real estate. In addition, users can easily check the publicly announced land price of the property and conveniently check whether the property is an area subject to adjustment.

According to various embodiments of the present disclosure, a user can easily check this year's ownership tax on real estate owned. In addition, by checking the rate of increase/decrease in the publicly announced land price by year and the change in real estate ownership tax according to the year of tax payment, users can check the ownership tax according to various scenarios at a glance, helping them decide whether to transfer the owned real estate and when to transfer it. You can.

According to various embodiments of the present disclosure, users can easily check the acquisition tax of real estate to be purchased in the future. In addition, by checking future real estate ownership tax changes at the time of acquisition, it can help users decide whether to acquire the relevant real estate and when to acquire it.

According to various embodiments of the present disclosure, users can easily check changes in capital gains tax on real estate held according to the transfer time and transfer amount. In addition, instead of assuming multiple scenarios and entering numbers for each scenario and checking the capital gains tax, the user can visually check how much the capital gains tax is reduced at once, thereby reducing the capital gains tax on real estate according to the transfer time and transfer amount. It can be conveniently compared and analyzed. Accordingly, it can help users decide whether to transfer their real estate and when to transfer it.

According to various embodiments of the present disclosure, users can easily check changes in capital gains tax on real estate owned according to the actual occupancy period and transfer period. In addition, instead of assuming multiple scenarios and entering numbers for each scenario and checking the capital gains tax, the user can visually check how much the capital gains tax is reduced, conveniently calculating the capital gains tax on real estate according to the actual occupancy period and transfer period. It can be compared and analyzed. Accordingly, it can help users decide whether to actually occupy their real estate, when to actually move in, and when to transfer it.

The effects of the present disclosure are not limited to the effects mentioned above, and other effects not mentioned are clear to a person skilled in the art (referred to as “a person skilled in the art”) in the technical field to which the present disclosure pertains from the description of the claims. It will be understandable.

Embodiments of the present disclosure will be described with reference to the accompanying drawings described below, in which like reference numerals indicate like elements, but are not limited thereto.
1 shows an example of a multivariate real estate tax simulation system according to an embodiment of the present disclosure.
Figure 2 is a schematic diagram showing a configuration in which an information processing system is connected to communicate with a plurality of user terminals in order to simulate real estate taxes according to an embodiment of the present disclosure.
Figure 3 is a block diagram showing the internal configuration of a user terminal and an information processing system according to an embodiment of the present disclosure.
FIG. 4 is a diagram illustrating an example in which a user inputs information for specifying owned real estate according to an embodiment of the present disclosure.
FIG. 5 is a diagram illustrating an example in which a user inputs information related to the owner of a real estate property according to an embodiment of the present disclosure.
FIG. 6 is a diagram illustrating an example of a user performing a property tax simulation of real estate owned according to an embodiment of the present disclosure.
Figure 7 is a diagram illustrating an example of a user performing an acquisition tax simulation of real estate owned according to an embodiment of the present disclosure.
Figure 8 is a diagram showing an example of a user performing a capital gains tax simulation of real estate owned according to an embodiment of the present disclosure.
Figure 9 is a diagram illustrating an example of a user performing a capital gains tax simulation of real estate owned according to an embodiment of the present disclosure.
Figure 10 is a flowchart showing an example of a method according to an embodiment of the present disclosure.

Hereinafter, specific details for implementing the present disclosure will be described in detail with reference to the attached drawings. However, in the following description, detailed descriptions of well-known functions or configurations will be omitted if there is a risk of unnecessarily obscuring the gist of the present disclosure.

In the accompanying drawings, identical or corresponding components are given the same reference numerals. Additionally, in the description of the following embodiments, overlapping descriptions of identical or corresponding components may be omitted. However, even if descriptions of components are omitted, it is not intended that such components are not included in any embodiment.

Advantages and features of the disclosed embodiments and methods for achieving them will become clear by referring to the embodiments described below in conjunction with the accompanying drawings. However, the present disclosure is not limited to the embodiments disclosed below and may be implemented in various different forms. The present embodiments are merely provided to ensure that the present disclosure is complete and that the present disclosure does not convey the scope of the invention to those skilled in the art. It is provided only for complete information.

Terms used in this specification will be briefly described, and the disclosed embodiments will be described in detail. The terms used in this specification are general terms that are currently widely used as much as possible while considering the function in the present disclosure, but this may vary depending on the intention or precedent of a technician working in the related field, the emergence of new technology, etc. In addition, in certain cases, there are terms arbitrarily selected by the applicant, and in this case, the meaning will be described in detail in the description of the relevant invention. Accordingly, the terms used in this disclosure should be defined based on the meaning of the term and the overall content of the present disclosure, rather than simply the name of the term.

In this specification, singular expressions include plural expressions, unless the context clearly specifies the singular. Additionally, plural expressions include singular expressions, unless the context clearly specifies plural expressions. When it is said that a certain part includes a certain element throughout the specification, this does not mean excluding other elements, but may further include other elements, unless specifically stated to the contrary.

Additionally, the term 'module' or 'unit' used in the specification refers to a software or hardware component, and the 'module' or 'unit' performs certain roles. However, 'module' or 'unit' is not limited to software or hardware. A 'module' or 'unit' may be configured to reside on an addressable storage medium and may be configured to run on one or more processors. Thus, as an example, a 'module' or 'part' refers to components such as software components, object-oriented software components, class components and task components, processes, functions and properties. , procedures, subroutines, segments of program code, drivers, firmware, microcode, circuits, data, databases, data structures, tables, arrays, or variables. Components and 'modules' or 'parts' may be combined into smaller components and 'modules' or 'parts' or further components and 'modules' or 'parts'. Could be further separated.

According to an embodiment of the present disclosure, a 'module' or 'unit' may be implemented with a processor and memory. 'Processor' should be interpreted broadly to include general-purpose processors, central processing units (CPUs), microprocessors, digital signal processors (DSPs), controllers, microcontrollers, state machines, etc. In some contexts, 'processor' may refer to an application-specific integrated circuit (ASIC), programmable logic device (PLD), field programmable gate array (FPGA), etc. 'Processor' refers to a combination of processing devices, for example, a combination of a DSP and a microprocessor, a combination of a plurality of microprocessors, a combination of one or more microprocessors in combination with a DSP core, or any other such combination of configurations. You may. Additionally, 'memory' should be interpreted broadly to include any electronic component capable of storing electronic information. 'Memory' refers to random access memory (RAM), read-only memory (ROM), non-volatile random access memory (NVRAM), programmable read-only memory (PROM), erasable-programmable read-only memory (EPROM), May also refer to various types of processor-readable media, such as electrically erasable PROM (EEPROM), flash memory, magnetic or optical data storage, registers, etc. A memory is said to be in electronic communication with a processor if the processor can read information from and/or write information to the memory. The memory integrated into the processor is in electronic communication with the processor.

In the present disclosure, 'system' may include at least one of a server device and a cloud device, but is not limited thereto. For example, a system may consist of one or more server devices. As another example, a system may consist of one or more cloud devices. As another example, the system may be operated with a server device and a cloud device configured together.

In this disclosure, 'display' may refer to any display device associated with a computing device, e.g., any display device capable of displaying any information/data controlled by or provided by the computing device. can refer to.

In the present disclosure, 'each of a plurality of A' or 'each of a plurality of A' may refer to each of all components included in a plurality of A, or may refer to each of some components included in a plurality of A. .

1 shows an example of a multivariate real estate tax simulation system according to an embodiment of the present disclosure. As shown, the user can check the simulation results 120 related to real estate taxes on the user terminal 110. Here, the simulation results 120 may be displayed as a graph 122 showing real estate taxes according to independent variables. In Figure 1, the real estate capital gains tax simulation results are shown as a graph 122, but the present invention is not limited to this. For example, the results of real estate ownership tax simulation, real estate acquisition tax simulation, and real estate rental income tax simulation can be displayed in a graph.

In one embodiment, a user may enter information to specify real estate holdings in a real estate tax simulation application. Here, information for specifying the owned real estate may include address, real estate name, building/number, etc. Additionally, the user can enter information associated with the owner of the property held in the tax simulation application. Here, information related to the owner of the owned real estate may include the number of houses owned, acquisition time of the owned real estate, acquisition amount of the owned real estate, age, single/joint ownership share ratio, etc.

In one embodiment, a tax simulation for real estate holdings may be performed based on information for specifying the real estate holdings and information associated with the owner of the real estate holdings. For example, independent multivariate variables (e.g., actual occupancy period, transfer period, transfer amount, etc.) are set based on the information entered by the user (number of houses owned, acquisition amount of owned real estate, acquisition period of owned real estate, etc.) It can be. In addition, the tax and tax savings amount of real estate owned according to changes in independent multivariate variables can be calculated and displayed on a single graph.

In one embodiment, simulation results 120 may be output on the display of user terminal 110. In this case, the simulation result 120 may include a graph 122 showing real estate tax changes according to changes in multiple variables that are independent of each other. Additionally, by selecting a specific point on the graph 122 using a touch input, etc., the user can check the description field 124 indicating the real estate tax savings amount at that point.

Through this configuration, users can easily check the capital gains tax and tax savings for each scenario at a glance by receiving real estate tax simulation results according to multivariate changes. Additionally, users can easily compare and analyze taxes according to independent variables that affect capital gains tax. Accordingly, these simulation results can help users make decisions about real estate management.

Figure 2 is a schematic diagram showing a configuration in which the information processing system 230 is connected to enable communication with a plurality of user terminals 210_1, 210_2, and 210_3 in order to simulate real estate taxes according to an embodiment of the present disclosure. As shown, a plurality of user terminals 210_1, 210_2, and 210_3 may be connected to the information processing system 230 that can provide a real estate tax simulation service through the network 220. Here, the plurality of user terminals 210_1, 210_2, and 210_3 may include terminals of users receiving a real estate tax simulation service.

In one embodiment, information processing system 230 may be one or more server devices and/or databases capable of storing, providing, and executing computer executable programs (e.g., downloadable applications) and data associated with providing real estate tax simulation services, etc. , or may include one or more distributed computing devices and/or distributed databases based on cloud computing services.

The real estate tax simulation service provided by the information processing system 230 is provided to users through a real estate tax simulation service application web browser or web browser extension program installed on each of the plurality of user terminals 210_1, 210_2, and 210_3. You can. For example, the information processing system 230 may provide information corresponding to a real estate tax simulation request received from the user terminals 210_1, 210_2, and 210_3 through a real estate tax simulation service application or perform processing in response. .

A plurality of user terminals 210_1, 210_2, and 210_3 may communicate with the information processing system 230 through the network 220. The network 220 may be configured to enable communication between a plurality of user terminals 210_1, 210_2, and 210_3 and the information processing system 230. Depending on the installation environment, the network 220 may be, for example, a wired network such as Ethernet, a wired home network (Power Line Communication), a telephone line communication device, and RS-serial communication, a mobile communication network, a wireless LAN (WLAN), It may consist of wireless networks such as Wi-Fi, Bluetooth, and ZigBee, or a combination thereof. The communication method is not limited, and may include communication methods utilizing communication networks that the network 220 may include (e.g., mobile communication networks, wired Internet, wireless Internet, broadcasting networks, satellite networks, etc.) as well as user terminals (210_1, 210_2, 210_3). ) may also include short-range wireless communication between

In Figure 2, the mobile phone terminal (210_1), tablet terminal (210_2), and PC terminal (210_3) are shown as examples of user terminals, but they are not limited thereto, and the user terminals (210_1, 210_2, 210_3) use wired and/or wireless communication. This can be any computing device on which a real estate tax simulation service application or a web browser, etc. can be installed and run. For example, user terminals include AI speakers, smartphones, mobile phones, navigation, computers, laptops, digital broadcasting terminals, PDAs (Personal Digital Assistants), PMPs (Portable Multimedia Players), tablet PCs, game consoles, It may include wearable devices, IoT (internet of things) devices, VR (virtual reality) devices, AR (augmented reality) devices, set-top boxes, etc. In addition, in Figure 2, three user terminals (210_1, 210_2, 210_3) are shown as communicating with the information processing system 230 through the network 220, but this is not limited to this, and a different number of user terminals are connected to the network ( It may be configured to communicate with the information processing system 230 through 220).

In Figure 2, the user terminals 210_1, 210_2, and 210_3 are shown as receiving a real estate tax simulation service from the information processing system 230, but the present invention is not limited thereto. For example, without communication with the information processing system 230, a real estate tax simulation service may be provided through a real estate tax simulation program/application installed on the user terminals 210_1, 210_2, and 210_3.

Figure 3 is a block diagram showing the internal configuration of the user terminal 210 and the information processing system 230 according to an embodiment of the present disclosure. The user terminal 210 may refer to any computing device capable of executing applications, web browsers, etc. and capable of wired/wireless communication, for example, the mobile phone terminal 210_1, tablet terminal 210_2 of FIG. 2, It may include a PC terminal (210_3), etc. As shown, the user terminal 210 may include a memory 312, a processor 314, a communication module 316, and an input/output interface 318. Similarly, information processing system 230 may include memory 332, processor 334, communication module 336, and input/output interface 338. As shown in FIG. 3, the user terminal 210 and the information processing system 230 are configured to communicate information and/or data through the network 220 using respective communication modules 316 and 336. It can be. Additionally, the input/output device 320 may be configured to input information and/or data to the user terminal 210 through the input/output interface 318 or to output information and/or data generated from the user terminal 210.

Memories 312 and 332 may include any non-transitory computer-readable recording medium. According to one embodiment, the memories 312 and 332 are non-permanent mass storage devices such as read only memory (ROM), disk drive, solid state drive (SSD), flash memory, etc. It can be included. As another example, non-perishable mass storage devices such as ROM, SSD, flash memory, disk drive, etc. may be included in the user terminal 210 or the information processing system 230 as a separate persistent storage device that is distinct from memory. Additionally, an operating system and at least one program code may be stored in the memories 312 and 332.

These software components may be loaded from a computer-readable recording medium separate from the memories 312 and 332. This separate computer-readable recording medium may include a recording medium directly connectable to the user terminal 210 and the information processing system 230, for example, a floppy drive, disk, tape, DVD/CD- It may include computer-readable recording media such as ROM drives and memory cards. As another example, software components may be loaded into the memories 312 and 332 through the communication modules 316 and 336 rather than computer-readable recording media. For example, at least one program is loaded into memory 312, 332 based on a computer program installed by files provided over the network 220 by developers or a file distribution system that distributes installation files for applications. It can be.

The processors 314 and 334 may be configured to process instructions of a computer program by performing basic arithmetic, logic, and input/output operations. Instructions may be provided to the processors 314 and 334 by memories 312 and 332 or communication modules 316 and 336. For example, the processors 314 and 334 may be configured to execute instructions received according to program codes stored in a recording device such as the memory 312 and 332.

The communication modules 316 and 336 may provide a configuration or function for the user terminal 210 and the information processing system 230 to communicate with each other through the network 220, and may provide a configuration or function for the user terminal 210 and/or information processing. The system 230 may provide a configuration or function for communicating with other user terminals or other systems (for example, a separate cloud system, etc.). For example, a request or data (e.g., a real estate tax simulation request, etc.) generated by the processor 314 of the user terminal 210 according to a program code stored in a recording device such as the memory 312 is sent to the communication module 316. It can be transmitted to the information processing system 230 through the network 220 under the control of . Conversely, a control signal or command provided under the control of the processor 334 of the information processing system 230 is transmitted through the communication module 316 of the user terminal 210 through the communication module 336 and the network 220. It may be received by the user terminal 210.

The input/output interface 318 may be a means for interfacing with the input/output device 320. As an example, input devices may include devices such as cameras, keyboards, microphones, mice, etc., including audio sensors and/or image sensors, and output devices may include devices such as displays, speakers, haptic feedback devices, etc. You can. As another example, the input/output interface 318 may be a means for interfacing with a device that has components or functions for performing input and output, such as a touch screen, integrated into one. For example, the processor 314 of the user terminal 210 uses information and/or data provided by the information processing system 230 or another user terminal when processing instructions of a computer program loaded in the memory 312. A service screen, etc. constructed by doing so may be displayed on the display through the input/output interface 318. In FIG. 3 , the input/output device 320 is shown not to be included in the user terminal 210, but the present invention is not limited to this and may be configured as a single device with the user terminal 210. Additionally, the input/output interface 338 of the information processing system 230 may be connected to the information processing system 230 or means for interfacing with a device (not shown) for input or output that the information processing system 230 may include. It can be. In FIG. 3, the input/output interfaces 318 and 338 are shown as elements configured separately from the processors 314 and 334, but the present invention is not limited thereto, and the input/output interfaces 318 and 338 may be configured to be included in the processors 314 and 334. there is.

The user terminal 210 and information processing system 230 may include more components than those in FIG. 3 . However, there is no need to clearly show most prior art components. In one embodiment, the user terminal 210 may be implemented to include at least some of the input/output devices 320 described above. Additionally, the user terminal 210 may further include other components such as a transceiver, a global positioning system (GPS) module, a camera, various sensors, and a database. For example, if the user terminal 210 is a smartphone, it may include components generally included in a smartphone, such as an acceleration sensor, a gyro sensor, a microphone module, a camera module, and various physical devices. Various components such as buttons, buttons using a touch panel, input/output ports, and vibrators for vibration may be implemented to be further included in the user terminal 210.

While a program for a real estate tax simulation service application, etc. is running, the processor 314 inputs input through an input device such as a touch screen, a keyboard, a camera including an audio sensor and/or an image sensor, and a microphone connected to the input/output interface 318. or receive selected text, images, videos, voices and/or actions, etc., and store the received text, images, videos, voices and/or actions in the memory 312 or use the communication module 316 and the network ( It can be provided to the information processing system 230 through 220).

The processor 314 of the user terminal 210 manages, processes, and/or stores information and/or data received from the input/output device 320, other user terminals, the information processing system 230, and/or a plurality of external systems. It can be configured to do so. Information and/or data processed by processor 314 may be provided to information processing system 230 via communication module 316 and network 220. The processor 314 of the user terminal 210 may transmit information and/or data to the input/output device 320 through the input/output interface 318 and output the information. For example, the processor 314 may display the received information and/or data on the screen of the user terminal 210.

The processor 334 of the information processing system 230 may be configured to manage, process, and/or store information and/or data received from a plurality of user terminals 210 and/or a plurality of external systems. Information and/or data processed by the processor 334 may be provided to the user terminal 210 through the communication module 336 and the network 220.

FIG. 4 is a diagram illustrating an example in which a user inputs information for specifying owned real estate according to an embodiment of the present disclosure. The first operation 410 is an example in which a user searches for real estate owned. As shown, the user can search for real estate owned by entering the address of the owned real estate. Alternatively, a user can search for real estate holdings by entering the name of the owned real estate (apartment name, building name, etc.).

The second operation 420 is an example in which information on real estate searched by the user is output. For example, when a user enters “Apartment A” and “Room 2702, Building 101,” information on the publicly announced land price of the corresponding real estate may be obtained from the database. Additionally, it can be confirmed from the database whether the relevant real estate is included in the area subject to adjustment. Information on the publicly announced land price of the real estate entered by the user and whether it is included in the area subject to adjustment may be displayed on the display.

In one embodiment, the user can enter the equity of the property. For example, users can choose whether to hold the property in their sole name or jointly with their spouse. Alternatively, the user can enter the percentage ownership of the property. Afterwards, the user can register the relevant real estate as his or her own property by selecting the “Add to the list of real estate holdings” button using a touch input or the like. In Figure 4, it is shown that one real estate is searched and registered as a real estate property, but by repeating this process, the user can register multiple real estate holdings and perform various real estate tax simulations according to the real estate holdings. .

With this configuration, the user can easily specify the owned real estate by entering the address or name of the owned real estate. In addition, users can easily check the publicly announced land price of the property and conveniently check whether the property is an area subject to adjustment.

FIG. 5 is a diagram illustrating an example in which a user inputs information related to the owner of a real estate property according to an embodiment of the present disclosure. The first operation 510 is an example of inputting the time of acquisition of real estate owned by the user. Users can enter the date of transfer of ownership of the owned real estate or the date of payment of the balance as the time of acquisition of the owned real estate.

The second operation 520 is an example in which the user inputs the period of actual residence of the owned real estate. In calculating capital gains tax, the time of acquisition and actual residence of real estate can be independent variables. Accordingly, the user can select the “I continue to live” option and enter the date of moving into the property. Alternatively, the user might say, "I lived for years and now I don't live." You can select an option and enter how many years you have lived there. Alternatively, the user may select the "I have never lived in the property" option.

The third operation 530 is an example in which the user outputs on the display whether the tax exemption requirements for one house are met and whether the long-term holding special deduction requirements are met. In the requirements checkbox 532, the user can check the period of actual residence, whether the tax exemption requirements for one house are met, whether the long-term holding special deduction requirements are met, and the date on which the long-term holding special deduction rate of 80% is recognized, etc.

FIG. 6 is a diagram illustrating an example of a user performing a property tax simulation of real estate owned according to an embodiment of the present disclosure. The first operation 610 is an example in which the user selects which real estate tax to perform simulation on. As shown, the user may include a real estate ownership tax simulation (612), a real estate acquisition tax simulation (614), a real estate capital gains tax simulation (616), and a real estate rental income tax simulation (618). The user can perform a real estate ownership tax simulation by selecting the real estate ownership tax simulation 612 using a touch input, etc.

The second operation 620 is an example in which the user selects the real estate ownership tax simulation 612 and then selects the age of the real estate owner. The age of the property owner can be used to determine the comprehensive real estate tax deduction rate. Accordingly, the user can select one of the ages that are the basis for deduction of comprehensive real estate tax: under 60 years of age, between 60 and 65 years of age, between 65 and 70 years of age, or over 70 years of age.

The third operation 630 is an example in which the results of a real estate ownership tax simulation performed based on information input by the user are output on the display. This year's ownership tax (632) may include this year's comprehensive real estate tax amount and this year's property tax amount. Here, the real estate ownership tax can be determined by the publicly announced land price of the real estate, the number of houses owned, the share ratio of the owned real estate, whether the owned real estate is included in the area subject to adjustment, the age of the real estate owner, the time of real estate acquisition, the real estate holding period, the fair market value ratio, etc. there is.

In one embodiment, as a simulation result, a single graph 634 representing the change in ownership tax of real estate according to changes in multiple variables independent of each other may be output on the display. In this case, the multivariate variables that are independent of each other may include the annual rate of increase in the publicly announced price of the owned real estate and the year in which the ownership tax is paid. For example, the single graph 634 may represent the yearly change in ownership tax when the house price of the owned real estate is stable by year (for example, the publicly announced land price increases by 0%) and when it increases by 20% every year. Although not shown in FIG. 6, the user can check the specific ownership tax for the corresponding year by selecting the bar graph with a touch input, etc. In addition, in Figure 6, the yearly change in ownership tax is shown as a graph when house prices are stable and when house prices rise by 20% each year, but it is not limited to this. When house prices fall at a certain rate every year, the yearly change is shown as a graph where house prices rise by 10% each year. A variety of information, such as cases, can be provided as a single graph.

Through this configuration, users can easily check this year's ownership tax on real estate they own. In addition, by checking the rate of increase/decrease in the publicly announced land price by year and the change in real estate ownership tax according to the year of tax payment, users can check the ownership tax according to various scenarios at a glance, helping them decide whether to transfer the owned real estate and when to transfer it. You can.

Figure 7 is a diagram illustrating an example of a user performing an acquisition tax simulation of real estate owned according to an embodiment of the present disclosure. The first operation 710 is an example in which information on real estate to be acquired by the user is output. For example, when a user inputs “Apartment B” and “Room 104, South Wing,” information on the publicly announced land price of the corresponding real estate may be obtained from the database. Additionally, it can be confirmed from the database whether the relevant real estate is included in the area subject to adjustment. Information on the publicly announced land price of the real estate entered by the user and whether it is included in the area subject to adjustment may be displayed on the display.

In one embodiment, a user may enter an equity interest in real estate to be acquired. For example, users can choose whether to hold the property in their sole name or jointly with their spouse. Alternatively, the user can enter the percentage ownership of the property. Afterwards, the user can check the acquisition tax of the corresponding real estate by selecting the “Simulate tax upon acquisition” button 712 using a touch input, etc.

The second operation 720 is an example in which real estate acquisition tax simulation results are output on the display after the user selects the “Simulate tax upon acquisition” button 712. Users can enter the estimated acquisition amount of the property. Afterwards, the user can check the expected real estate acquisition tax by selecting the “Calculate acquisition tax” button 722 using a touch input, etc. Here, the expected real estate acquisition tax can be calculated based on the number of houses owned by the user, the expected acquisition amount, and whether the corresponding real estate is included in the adjustment area.

In one embodiment, if the real estate in question is acquired, future ownership tax simulation results may be output on the display. The user can check the real estate ownership tax simulation results by selecting the “Find out future ownership tax upon acquisition” button 724 using touch input, etc. Here, the real estate ownership tax simulation results may include a single graph showing changes in real estate ownership tax according to changes in multiple variables that are independent of each other, like the simulation results described above in FIG. 6 .

Accordingly, users can easily check the acquisition tax of real estate to be purchased in the future. In addition, by checking future real estate ownership tax changes at the time of acquisition, it can help users decide whether to acquire the relevant real estate and when to acquire it.

Figure 8 is a diagram showing an example of a user performing a capital gains tax simulation of real estate owned according to an embodiment of the present disclosure. The first operation 810 is an example in which the user inputs the acquisition price of the owned real estate. The user can perform a capital gains tax simulation of the property by entering the acquisition amount of the property and then selecting the “Calculate capital gains tax change” button.

The second operation 820 is an example in which the results of a real estate capital gains tax simulation performed based on information input by the user are output on the display. Here, the capital gains tax can be determined by the time of transfer of the relevant real estate, the transfer amount, the acquisition amount, the number of houses owned, the holding period, the actual occupancy period, the actual occupancy period, the holding period, and whether the owned real estate is included in the area subject to adjustment.

In one embodiment, as a result of the simulation, when a user who owns a single home actually resides in the owned real estate, a single graph 822 showing the change in capital gains tax on the owned real estate according to changes in multiple variables independent of each other may be output on the display. . In this case, multivariate variables that are independent of each other may include the transfer time and transfer amount of the relevant real estate. For example, the single graph 822 shows the case where the owned real estate is transferred for 5 billion won, the case where the owned real estate is transferred for 5.5 billion won, the case where the owned real estate is transferred for 6 billion won, and the case where the owned real estate is transferred for 6.5 billion won. It can indicate yearly changes in capital gains tax. In addition, by selecting a specific point of the single graph 822 with a touch input, etc., the user can check the specific capital gains tax, holding period, actual residence period, and long-term holding special deduction rate at that point through the description field 824. Alternatively, for all or some of each data point within a single graph 822, the amount of tax savings compared to currently selling may be indicated.

In Figure 8, the annual change in capital gains tax when the transfer amount differs by 500 million won is shown as a graph, but it is not limited to this, and various information, such as when the transfer amount differs by 100 million won, is provided in one graph. It can be provided as . Additionally, by entering the expected transfer amount, the user can check the change in capital gains tax on real estate held by year according to the transfer amount on a graph.

The third operation 830 is an example of showing the change in capital gains tax on owned real estate in a table. In this case, the table may include the time of transfer, capital gains tax, holding period, actual residence period, and long-term holding special deduction rate. Here, the capital gains tax on real estate owned may be determined based on the expected transfer amount entered by the user. For example, if a user transfers real estate held on September 1, 2024, capital gains tax of approximately 12 million won will be incurred, while if a user transfers real estate held on September 1, 2026, capital gains tax of approximately 5.5 million won will be incurred. You can confirm that capital gains tax occurs.

The fourth operation 840 is an example in which the final capital gains tax report is output on the display. The final capital gains tax report may include the time of transfer of the property, acquisition amount, transfer amount, and transfer gains. Additionally, based on this information, the total capital gains tax and the user's capital gains tax according to the share ratio of the owned real estate may be displayed on the display.

The example shown is a simulation of capital gains tax in a case where the user is a single homeowner and the user is actually residing in the relevant real estate (Apartment Building 101, Room 2702), but this is only an example and is not limited to this.

Through this configuration, users can easily check changes in capital gains tax on real estate held depending on the transfer time and transfer amount. In addition, instead of assuming multiple scenarios and entering numbers for each scenario and checking the capital gains tax, the user can visually check how much the capital gains tax is reduced at once, thereby reducing the capital gains tax on real estate according to the transfer time and transfer amount. It can be conveniently compared and analyzed. Accordingly, it can help users decide whether to transfer their real estate and when to transfer it.

Figure 9 is a diagram illustrating an example of a user performing a capital gains tax simulation of real estate owned according to an embodiment of the present disclosure. The first operation 910 is an example of displaying on the display whether the tax exemption requirements for one house are met when the user does not actually reside in the real estate owned. Users can check on the display whether the tax exemption requirements for one house are met according to the period of actual residence and whether the long-term holding special deduction requirements are met. In addition, the user can perform a simulation of the tax saving effect when actually residing in the relevant real estate by selecting the “Find out changes in capital gains tax upon moving in” button 912 using a touch input, etc.

The second operation 920 is an example in which the results of a real estate capital gains tax simulation performed based on information input by the user are output on the display. Users can enter the expected transfer amount. In this case, as a simulation result, a single graph 930 showing the change in capital gains tax on real estate owned according to the user's actual occupancy period and transfer period may be output on the display. For example, the single graph 930 shows when the user does not actually move in and transfers the owned real estate (932), and when the user moves in four years later and transfers the owned real estate (934), the user It can show yearly changes in capital gains tax in the case where the user moves in two years later and transfers the owned real estate (936) and in the case where the user moves in now and transfers the owned real estate (938).

In one embodiment, by selecting a specific point of the single graph 930 with a touch input, etc., the user can check the capital gains tax and tax savings amount according to the actual occupancy period at that point through the description field 922. Here, the tax saving amount for real estate may be the tax saving amount compared to the capital gains tax when the user does not actually move in. For example, in response to the user selecting a data point corresponding to the case where the user is currently moving in and transferring the property held on October 19, 2033, the description field 922 indicates that the user is currently moving in compared to not actually moving in. It can be seen that the tax savings when moving in is approximately 890 million won. Alternatively, all or part of each data point in the single graph 930 may display the amount of tax savings compared to the case of selling without actually moving in (for example, about 1.1 billion won).

In Figure 9, the annual change in capital gains tax when the actual occupancy time differs by 2 years is shown as a graph, but it is not limited to this, and various information, such as when the actual occupancy time differs by 1 year, is provided in one form. It can be presented as a graph. In addition, by inputting the expected actual occupancy time, the user can check the change in capital gains tax on real estate owned by year according to the actual occupancy period on a graph. In addition, Figure 9 shows simulation results in the case of selling real estate held for 5.236 billion won, but it is not limited to this, and changes in capital gains tax on real estate held according to the user's actual occupancy period and transfer period for various transfer amounts are shown. A single graph representing a graph may be provided to the user.

With this configuration, users can easily check changes in capital gains tax on real estate held according to actual occupancy and transfer times. In addition, instead of assuming multiple scenarios and entering numbers for each scenario and checking the capital gains tax, the user can visually check how much the capital gains tax is reduced, conveniently calculating the capital gains tax on real estate according to the actual occupancy period and transfer period. It can be compared and analyzed. Accordingly, it can help users decide whether to actually occupy their real estate, when to actually move in, and when to transfer it.

10 is a flowchart illustrating an example method 1000 according to an embodiment of the present disclosure. In one embodiment, method 1000 may be performed by a user terminal or at least one processor of an information processing system. Alternatively, the steps of the method 1000 may be separately performed by at least one processor of the user terminal and at least one processor of the information processing system.

The method 1000 may begin with the processor receiving information for specifying real estate holdings from the user (S1010). Afterwards, the processor may receive information associated with the owner of the owned real estate from the user (S1020).

Thereafter, the processor may output the results of a tax simulation for the held real estate based on information for specifying the held real estate and information associated with the owner of the held real estate (S1030). In one embodiment, the tax simulation results may include a graph showing changes in taxes on real estate owned according to changes in multi-variables that are independent of each other.

When executed by a processor of a user terminal, outputting a simulation result may mean that the processor outputs the simulation result on a display of the user terminal. At this time, the processor may directly perform a tax simulation for the owned real estate, or may receive simulation results performed in an information processing system. Alternatively, when executed by a processor of the information processing system, outputting the simulation results may mean transmitting the simulation results performed in the information processing system to the user terminal.

In one embodiment, information associated with the owner of the owned real estate may include the number of houses owned, the acquisition time of the owned real estate, and the acquisition amount of the owned real estate. In this case, the tax simulation results may include a graph showing the change in capital gains tax on real estate held according to changes in multiple variables that are independent of each other. Additionally, multivariate variables that are independent of each other may include at least two of the following: transfer time, transfer amount, or actual occupancy period.

In one embodiment, the independent multivariate variables may be actual occupancy period and transfer period. Additionally, in tax simulation, the transfer amount is a fixed value, and the actual occupancy period and holding period may be dependent variables. In this case, the graph may be a graph showing the amount of capital gains tax savings on real estate held according to changes in the user's actual occupancy period and transfer period. Here, the amount of capital gains tax saved on real estate owned may be the amount of tax saved compared to the capital gains tax when the user does not actually move in.

In one embodiment, independent multivariate variables may include transfer timing and transfer amount. Additionally, in tax simulation, the actual occupancy period is a fixed value, and the actual occupancy period and holding period may be dependent variables. In this case, the graph may be a graph showing the effect of capital gains tax savings on real estate held according to changes in the user's transfer time and transfer amount.

In one embodiment, the processor may determine the publicly announced land price of the owned real estate based on information for specifying the owned real estate. In this case, information related to the owner of the owned real estate may include the number of houses owned, the acquisition time of the owned real estate, and the age of the owner. Additionally, tax simulation may be performed based on information associated with the publicly announced land price of the owned real estate and the owner of the owned real estate. At this time, the tax simulation results may include a graph showing changes in the ownership tax of real estate owned according to changes in multiple variables that are independent of each other. Here, the multivariate variables that are independent of each other may include the annual increase rate in the publicly announced price of the owned real estate and the year in which the ownership tax is paid.

The above-described method may be provided as a computer program stored in a computer-readable recording medium for execution on a computer. Media may be used to continuously store executable programs on a computer, or may be temporarily stored for execution or download. In addition, the medium may be a variety of recording or storage means in the form of a single or several pieces of hardware combined. It is not limited to a medium directly connected to a computer system and may be distributed over a network. Examples of media include magnetic media such as hard disks, floppy disks, and magnetic tapes, optical recording media such as CD-ROMs and DVDs, magneto-optical media such as floptical disks, and There may be something configured to store program instructions, including ROM, RAM, flash memory, etc. Additionally, examples of other media include recording or storage media managed by app stores that distribute applications, sites or servers that supply or distribute various other software, etc.

The methods, operations, or techniques of this disclosure may be implemented by various means. For example, these techniques may be implemented in hardware, firmware, software, or a combination thereof. Those skilled in the art will understand that the various illustrative logical blocks, modules, circuits, and algorithm steps described in connection with the disclosure herein may be implemented in electronic hardware, computer software, or combinations of both. To clearly illustrate this interchange of hardware and software, various illustrative components, blocks, modules, circuits, and steps have been described above generally in terms of their functionality. Whether such functionality is implemented as hardware or software depends on the specific application and design requirements imposed on the overall system. Skilled artisans may implement the described functionality in varying ways for each particular application, but such implementations should not be interpreted as causing a departure from the scope of the present disclosure.

In a hardware implementation, the processing units used to perform the techniques may include one or more ASICs, DSPs, digital signal processing devices (DSPDs), programmable logic devices (PLDs). ), field programmable gate arrays (FPGAs), processors, controllers, microcontrollers, microprocessors, electronic devices, and other electronic units designed to perform the functions described in this disclosure. , a computer, or a combination thereof.

Accordingly, the various illustrative logical blocks, modules, and circuits described in connection with this disclosure may be general-purpose processors, DSPs, ASICs, FPGAs or other programmable logic devices, discrete gate or transistor logic, discrete hardware components, or It may be implemented or performed as any combination of those designed to perform the functions described in. A general-purpose processor may be a microprocessor, but in the alternative, the processor may be any conventional processor, controller, microcontroller, or state machine. A processor may also be implemented as a combination of computing devices, such as a DSP and a microprocessor, a plurality of microprocessors, one or more microprocessors in conjunction with a DSP core, or any other configuration.

For firmware and/or software implementations, techniques include random access memory (RAM), read-only memory (ROM), non-volatile random access memory (NVRAM), and PROM ( on computer-readable media such as programmable read-only memory (EPROM), electrically erasable PROM (EEPROM), flash memory, compact disc (CD), magnetic or optical data storage devices, etc. It may also be implemented as stored instructions. Instructions may be executable by one or more processors and may cause the processor(s) to perform certain aspects of the functionality described in this disclosure.

When implemented in software, the techniques may be stored on or transmitted through a computer-readable medium as one or more instructions or code. Computer-readable media includes both computer storage media and communication media, including any medium that facilitates transfer of a computer program from one place to another. Storage media may be any available media that can be accessed by a computer. By way of non-limiting example, such computer readable media may include RAM, ROM, EEPROM, CD-ROM or other optical disk storage, magnetic disk storage or other magnetic storage devices, or the desired program code in the form of instructions or data structures. It can be used to transfer or store data and can include any other media that can be accessed by a computer. Any connection is also properly termed a computer-readable medium.

For example, as used herein, disk and disc include CD, laser disk, optical disk, digital versatile disc (DVD), floppy disk, and Blu-ray disk, where disks ) usually reproduce data magnetically, while discs reproduce data optically using a laser. Combinations of the above should also be included within the scope of computer-readable media.

A software module may reside in RAM memory, flash memory, ROM memory, EPROM memory, EEPROM memory, registers, hard disk, removable disk, CD-ROM, or any other form of storage medium known. An exemplary storage medium may be coupled to the processor such that the processor may read information from or write information to the storage medium. Alternatively, the storage medium may be integrated into the processor. The processor and storage medium may reside within an ASIC. ASIC may exist within the user terminal. Alternatively, the processor and storage medium may exist as separate components in the user terminal.

Although the above-described embodiments have been described as utilizing aspects of the presently disclosed subject matter in one or more standalone computer systems, the disclosure is not limited thereto and may also be implemented in conjunction with any computing environment, such as a network or distributed computing environment. . Furthermore, aspects of the subject matter of this disclosure may be implemented in multiple processing chips or devices, and storage may be similarly effected across the multiple devices. These devices may include PCs, network servers, and portable devices.

Although the present disclosure has been described in relation to some embodiments in this specification, various modifications and changes may be made without departing from the scope of the present disclosure as can be understood by a person skilled in the art to which the invention pertains. Additionally, such modifications and changes should be considered to fall within the scope of the claims appended hereto.

110: user terminal
120: Simulation results
122: Graph
124: Description field

Claims (10)

A multivariate real estate tax simulation method performed by at least one processor, comprising:
Receiving information for specifying real estate holdings from a user;
receiving information associated with an owner of the property held from the user;
Outputting a tax simulation result for the held real estate based on information for specifying the held real estate and information associated with the owner of the held real estate.
Including,
Information associated with the owner of the owned real estate includes the number of houses owned, the acquisition time of the held real estate, and the acquisition amount of the held real estate,
The tax simulation result includes a single graph showing the change in capital gains tax of the owned real estate according to changes in first and second variables that are independent of each other,
The first and second independent variables include two of the transfer time, transfer amount, or actual occupancy time,
When the first variable is the actual occupancy time and the second variable is the transfer time, the transfer amount in the tax simulation is a fixed value, the actual occupancy period and holding period in the tax simulation are dependent variables, and the single graph is It is a graph showing the capital gains tax savings amount of the owned real estate according to changes in the actual occupancy period and transfer time of the user, and the capital gains tax saving amount of the owned real estate associated with the mutually independent first and second variables is the single graph. It is displayed together with, and the capital gains tax saving amount for the property held is the tax saving amount compared to the capital gains tax when the user did not actually move in,
When the first variable is the transfer time and the second variable is the transfer amount, the actual occupancy period in the tax simulation is a fixed value, the actual occupancy period and holding period in the tax simulation are dependent variables, and the single graph is It is a graph showing the capital gains tax savings amount of the owned real estate according to the change in the transfer time and transfer amount of the user, and the capital gains tax saving amount of the held real estate associated with the mutually independent first and second variables is the single graph and A multivariate real estate tax simulation method that is displayed together, and the capital gains tax saving amount for the property held is the tax saving amount compared to the capital gains tax when currently sold.
According to paragraph 1,
A multivariate real estate tax simulation method, wherein the tax simulation results include a graph showing tax changes in the owned real estate according to changes in multivariate variables that are independent of each other.
delete delete delete delete According to paragraph 1,
Obtaining the publicly announced land price of the held real estate from a database based on information for specifying the held real estate
It further includes,
Information associated with the owner of the owned real estate includes the number of houses owned, the acquisition time of the owned real estate, and the age of the owner,
The tax simulation is performed based on the publicly known land price of the owned real estate and information associated with the owner of the held real estate,
The tax simulation result is a multivariate real estate tax simulation method including a graph showing a change in ownership tax of the owned real estate according to changes in multiple variables that are independent of each other.
In clause 7,
The multivariate real estate tax simulation method is a multivariate real estate tax simulation method in which the independent multivariate variables include the annual increase rate of the publicly announced land price of the owned real estate and the year of payment of the holding tax.
A computer program stored in a computer-readable recording medium for executing the method according to any one of claims 1, 2, 7, and 8 on a computer.
A multivariate real estate tax simulation device, comprising:
communication module;
Memory; and
At least one processor connected to the memory and configured to execute at least one computer-readable program included in the memory,
The at least one program is,
Receive information from the user to specify the real estate held,
Receive information associated with the owner of the property held from the user,
Contains instructions for outputting a tax simulation result for the held real estate based on information for specifying the held real estate and information associated with the owner of the held real estate,
Information associated with the owner of the owned real estate includes the number of houses owned, the acquisition time of the held real estate, and the acquisition amount of the held real estate,
The tax simulation result includes a single graph showing the change in capital gains tax of the owned real estate according to changes in first and second variables that are independent of each other,
The first and second independent variables include two of the transfer time, transfer amount, or actual occupancy time,
When the first variable is the actual occupancy time and the second variable is the transfer time, the transfer amount in the tax simulation is a fixed value, the actual occupancy period and holding period in the tax simulation are dependent variables, and the single graph is It is a graph showing the capital gains tax savings amount of the owned real estate according to changes in the actual occupancy period and transfer time of the user, and the capital gains tax saving amount of the owned real estate associated with the mutually independent first and second variables is the single graph. It is displayed together with, and the capital gains tax saving amount for the property held is the tax saving amount compared to the capital gains tax when the user did not actually move in, or
When the first variable is the transfer time and the second variable is the transfer amount, the actual occupancy period in the tax simulation is a fixed value, the actual occupancy period and holding period in the tax simulation are dependent variables, and the single graph is It is a graph showing the capital gains tax savings amount of the owned real estate according to the change in the transfer time and transfer amount of the user, and the capital gains tax saving amount of the held real estate associated with the mutually independent first and second variables is the single graph and A multivariate real estate tax simulation device that is displayed together, and the capital gains tax savings amount of the property held is the tax savings amount compared to the capital gains tax when currently sold.

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