KR20080098315A - System and method for lending deposit money for a house lease, system and method for managing storage medium recording that method program - Google Patents

Abstract

A house lease loan system, a house lease loan method, a system and a method of managing a title, and a storage medium in which a method program is recorded are provided to obtain a loan bond safely, thereby activating house lease loan in a market. A finance organization system makes a bond selling/buying contract with a tenant(20) to buy a house lease return bond. A title insurance system issues a title insurance stock with regard to a real estate. A notification system notifies the tenant of the selling of the bond. A communication system receives a bond selling approval document from the tenant. After title investigation request bond selling notification and the bond selling approval document are received, a title management system(100) checks a registration condition with regard to the real estate from a register book document database(70) to generate and transfer a title report. The title management system generates and transmits the first title checking document to a title insurance system(50) based on a moving-in household research result which is received on a day before a loan expiration date, a spot visiting research result, or a telephone research result.

Description

TERMINAL AND METHOD FOR LENDING DEPOSIT MONEY FOR A HOUSE LEASE, SYSTEM AND METHOD FOR MANAGING STORAGE MEDIUM RECORDING THAT METHOD PROGRAM}

The present invention relates to a storage medium recording a chartered loan system and method, a title management system, a method and a method program.

The concept of housing is shifting from ownership to residence, and the demand for charters is increasing due to changes in real estate policies and regulations. In addition, the demand for charter loans is increasing, but loan financial institutions are reluctant to secure charter loans until the maturity of the charter loans. After all, tenants who need money have a bad effect on government policies aimed at housing stability without getting loans.

Currently, there are loans for cheonsei funds for workers or the poor who operate in the National Housing Fund. At this time, users are using a payment guarantee system that can be substituted for collateral by issuing a credit guarantee certificate from the Korea Housing Finance Corporation if there is no security or lacking it. The law requires the government to conserve. As a result, the loan interest rate is relatively small, but the number of users is increasing. However, only a few applicants are benefiting from the limited loan limit and the limited conditions of issuance of credit guarantees.

Meanwhile, some financial institutions also offer charter loans, but loans are made by credit loans rather than mortgages. In the end, the tenant who has no place to go is either turning to a low rent or paying a high yield bond market.

The charter is a form of customary property, especially building loans, uniquely developed in Korea, which is not found in foreign legislation. In other words, when the lease is terminated due to the payment of the rent and the use and profit of another person's real estate according to the purpose, the lessee receives the rent. The interest rate of the rent is offset against the chime, so the charter is different from the ordinary lease.

The renter's rent paid to the landlord is a kind of leasehold right that has a kind of bond property unless otherwise registered. Rents from leases are often a deposit, a kind of bond.

Bonds are equally protected regardless of the post-war period, and the registered charter right is a physical right, and the rights before and after establishment are independently guaranteed. Therefore, bonds and registered charter rights are different. Therefore, in the case of creditor lease rights, the Housing Lease Protection Act, a special law of the Civil Code, was enacted to protect it and must meet certain requirements so that it can be opposed to third parties.

In other words, the chartered renter and the chartered tenant result in the security of the target property by the charter, but in order for the security system to properly serve as a security right, it must have the property of a property right. However, the conventional charter system developed by conventional customs is nothing more than a bond charter that has no property rights. As a result, the lease of the bonds can only be governed by the lease provisions of the civil law, and the Housing Lease Protection Act was enacted and implemented as a special social policy legislation to protect the economically weak. As a result, the transfer report and the homeowner, that is, if they have the opposition force, can fight the third party, and if the lease contract has a fixed date, a preferential repayment right is created to grant the right to the bond.

Aggressive force is the effect of asserting an already existing legal relationship against a third party and arises from having opposition requirements. In the absence of an opposition requirement, even if a legal effect has occurred between the parties (the lessee and the lessee), the legal effect cannot be asserted against the third party. It is possible to argue about them. In order to meet the requirements, the first thing to do is to file a notification at the address of the rented house and occupy it. When any of these are inadequate, the right to property disappears and becomes a simple bond. In addition, if a lease contract receives a fixed date, it is possible to obtain a material right without having to register a charter right.

Preferred repayment right means the ability of a particular creditor to repay a bond in preference to the debtor's entire property or other creditors. After all, the priority right of repayment under the Lease Protection Act means 'the right of subordinate right holders to be reimbursed for lease deposits in preference to other general creditors in the auction procedure on lease housing'. This is the realization of so-called bonds that give tenants a fixed-time right similar to real estate security.

In order for a financial institution to execute a loan, it checks the security matters through a thorough investigation of the rights in advance, and carries out post-management to periodically check the changes in the landlord and tenant and the presence of the tenant's opposition force after executing the loan. It is important to ensure that financial institutions can safely recover their loans.

General property mortgage lending is when a financial institution executes a loan on the debtor's corresponding property. The right set at this time is a mortgage, which is the right of the creditor to be reimbursed in preference to the general creditor for the object (real estate) provided as collateral for the bond without transferring possession from the debtor or a third party. Since the change in the profit or loss of the property right due to the act of real estate is effective, it is effective for the financial institution to obtain a senior right by registering the mortgage on the property on the day of the loan. On the other hand, when the right to rent is transferred to another place or moves out, it loses its opposition and loses its right to fight against a third party.

After all, financial institutions are making loans based on counter-discounted rented leases with collateral-backed bonds that can be returned to the renter at the time of maturity. However, the mortgage lending in the market did not develop until the expiration of the mortgage lending in the market due to the high cost and risk of steady management and oversight of the tenant.

Accordingly, the technical problem to be achieved by the present invention is to secure a loan bond efficiently and safely until the loan maturity.

In addition, the technical problem to be achieved by the present invention is to secure a loan bond securely, thereby activating a charter loan in the market.

In addition, the technical problem to be achieved by the present invention is to be able to carry out the investigation and the loan execution and follow-up management through a computerized system efficiently.

The chartered loan system according to an embodiment of the present invention for achieving the technical problem is a chartered loan system for paying a loan for a charter deposit according to the conclusion of a real estate lease contract to a landlord or tenant, the bond transfer agreement with the tenant A financial institution system that enters into and collects a tax refund bond, a title insurance system for issuing title insurance policies for the real estate, and a notification system for notifying the landlord of the transfer of the bond; And after the receipt of the request for the title investigation and the notice of the assignment of the bond is completed, the registration report on the property is confirmed from the registered copy of the register, and a report of the title is generated and sent, and the result of the transfer household survey or the field visit survey received one day before the loan date, or It may include a title management system for generating a primary title confirmation based on the telephone survey results and sending it to the title insurance system.

In addition, according to an embodiment of the present invention for achieving the technical problem is a method of paying the loan to the landlord or tenant for the lease of the lease according to the conclusion of the real estate lease, a) with the tenant of the financial institution system A notification system notifying the landlord of the bond transfer after the contract of credit transfer is signed; b) after the authority management system receives the authority for requesting the authority investigation and the completion of the notification of the assignment of the bond, confirming the registration of the property from the register copy database and generating and sending the authority report; c) the authority management system generates and transmits the primary authority confirmation to the authority insurance system based on the transfer household survey result, the field visit survey result, or the telephone survey result received one day before the loan date; d) the financial institution system may issue a loan after issuing the title insurance policy of the title insurance system.

And the title management system according to an embodiment of the present invention for achieving the above technical problem, as a system for managing the real estate title to pay the loan for the lease due to the conclusion of the real estate lease contract to the landlord or tenant, An investigation reception unit which receives the request information or the completion of the transfer of the notice of the deposit refund; A management database that stores information on a real estate and a lease contract related to a title investigation request; A registered copy confirming unit for accessing the registered copy database to confirm the registered copy information of the property; A transfer generation research unit that directly accesses a transfer generation database to investigate the transfer generation status or registers a transfer generation survey result or a site visit survey result received from a credit information survey system; A telephone survey unit that registers a telephone call recording file with a tenant, a landlord or an intermediary after receiving the results of a three-time or field survey; After requesting a title investigation, a survey report will be generated based on the result of the registration confirmation of the register, and a first report of the title verification based on the results of the previous generation's household survey, the on-site survey or the telephone survey. Can be.

In addition, the title management method according to an embodiment of the present invention for achieving the technical problem is a method for managing the property title to pay the loan to the landlord or renter for the lease of the real estate lease contract, a ) Receiving information requesting authority investigation; b) receiving, to the lessor, that the transfer of the notice of the transfer of the bond return to the financial institution has been completed; c) accessing the registered copy database to confirm the registered copy information of the property; d) generating a book report based on the result of the register certified confirmation; e) directly accessing the moving-in household database to investigate the moving-in household status, or registering the moving-in generation survey result or the on-site survey result received from the credit information survey system; f) registering a telephone call recording file with the tenant or tenant or broker; g) generating a primary title confirmation based on the results of a previous generation household survey, a site visit, or a telephone survey one day before the loan date.

In addition, the recording medium according to an embodiment of the present invention for achieving the above technical problem is a storage medium recording a program for executing the above-described method.

As described above, according to the present invention, it is possible to activate the charter loan in the market. In other words, there was a high demand for charter loans in the chartered market, but there were no supporting services. This is due to the fact that there was a great deal of risk in securing loans for counter-proprietary bonds, such as settlement dates, transfers, and housing deliveries. However, because the tenant transfers the bonds to the financial institution, notifies the landlord about the bond transfer, runs the loan and periodically checks the tenant's resistance after the loan, the financial institution can start a new service for the charter loan. .

Also, from the tenant's point of view, the existing chartered lending market was mostly of credit lending, and the chartered lending market was not activated due to undeveloped products of financial institutions. However, the present invention can bring many benefits to the actual tenant who needs a charter loan.

DETAILED DESCRIPTION Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings so that those skilled in the art may easily implement the present invention. As those skilled in the art would realize, the described embodiments may be modified in various different ways, all without departing from the spirit or scope of the present invention. In the drawings, parts irrelevant to the description are omitted in order to clearly describe the present invention, and like reference numerals designate like parts throughout the specification.

When a part of the specification 'includes' a certain component, this means that it may further include other components, without excluding other components unless specifically stated otherwise. In addition, terms such as '.. part', '.. group', 'module' may be implemented as hardware or software or a combination of hardware and software.

Now with reference to the drawings with reference to the embodiment of the present invention will be described in detail.

1 is a chartered lending system according to an embodiment of the present invention, wherein the title management system 100 includes a financial institution system 30, a title insurance system 50, a guarantee insurance system 40, a notification system 60, and credit. In connection with the information survey system 80, it is the overall configuration of the loan and management of the charter funds in the lease between the tenant 10 and the tenant (20).

The authority management system 100 secures collateral through a more thorough right investigation before the charter loan execution of the financial institution system 30, and ensures collateral for the loan until the loan maturity after the loan execution. The authority management system 100 periodically checks the change of the landlord and tenant and whether the tenant has a counterforce until the loan expires so that the loan can be safely recovered. More details will be described later.

The tenant 10 and the tenant 20 may be parties to a lease, and the tenant 20 may be a new tenant (hereinafter referred to as a new tenant) or a tenant already living (hereinafter referred to as an existing tenant). In other words, a new tenant refers to a person applying for a loan to cover a part of a charter deposit as a lease loan when the lease is concluded, or a person who applies for a loan early in anticipation of the need for a loan in the middle of the lease. The existing tenant may mean a person who already resides in the property and wants to receive a charter loan as a security. The tenant 20 may request a chartered loan to the financial institution system 30, and both new and existing loans may be applied to receive additional loans within the maximum limit of the loan after the loan is executed.

The financial institution system 30 may enter into a bond transfer agreement with the tenant 20, evaluate the tenant's creditworthiness, and insure the insurance system 40 the creditor's credit and income relationship. You can request a review.

In addition, the financial institution system 30 may request the tenant 20 to request a transfer of tenant real estate after determining the loan, and may request the tenant 20 to submit the loan-related documents including the original dated lease contract.

In addition, the financial institution system 30 may request a title investigation to the title insurance system 50 to receive a certificate of authority to receive an insurance policy.

In addition, the financial institution system 30 may request the notification system 60 to provide a proof-of-confirmation service with a fixed date for notification of the bond transfer, and after receiving the first title confirmation from the title insurance system 50, the landlord Or you can pay the tenant and receive a second letter of authorization on the day of the loan.

The guarantee insurance system 40 may evaluate the creditworthiness of the tenant 20, transmit the evaluation result to the financial institution system 30, and issue a guarantee insurance policy.

Guarantee insurance is an insurance that conveys damages to the creditor due to defaults in sales, employment, contracts, and other contracts. Specifically, the landlord or tenant does not return the loan to the financial institution or is required to pay the loan interest. If time-loss is lost, insurance is provided to compensate the financial institution.

However, the financial institution system 30 may take over on its own without passing the risk for guarantee to the guarantee insurance system 40. In this case, the guarantee insurance system 40 is omitted from the entire configuration of the charter fund loan system 1000.

The guarantee insurance system 40 may pay the loan as an insurance premium to the financial institution system 30 when the interest on the charter loan is overdue and the term profit is lost or the loan is not repaid to the financial institution system 30. And a charter bond return bond can be transferred from the financial institution system 30. In addition, the guarantee insurance system 40 may solve the post management until the expiration of the charter itself or may request the authority management system 100.

The title insurance system 50 may request a title investigation to the title management system 100 and issue a title insurance policy to the financial institution system 30 according to the result.

The title insurance system 50 may pay the loan as an insurance premium to the financial institution system 30 in the event of a defect in the security of the rent-receivable bond due to omission of the priority right investigation, fraud or forgery of the lease contract, and the financial institution. A charter bond return bond may be transferred from the system 30. And the title insurance system 50 may solve the post-management until the expiration of the charter itself or may request the title management system 100.

Title insurance is insurance that compensates for damages incurred in acquiring real property rights.In detail, it is a plan that compensates for the loss caused by the hidden rights defects of a real estate agent (financial institution) to promote the safety of real estate transactions. .

The purpose of the insurance is to provide a bond bond return on the titled tenancy.

The notification system 60 may inform the landlord of the transfer of the transfer of receivables to the landlord as a deed date, or, on the contrary, receive a consent form from the landlord and receive it as a deed dated.

E. In other words, according to the notification method, the tenant receives the bond transfer agreement, the bond transfer notice, the bond transfer mandate, and the document of the lease with the fixed date, and requests the contents verification service to notify the landlord of the bond transfer. can do. In the latter case, the acceptance method allows the landlord to agree to the transfer of the bonds in advance, and the bond transfer written and submitted by the landlord can be sent as a deed dated. At this time, the notification system 60 may receive a corresponding document from a financial institution using an Internet fax or the like.

The contents proof service is a system in which the postmaster makes a public proof on the basis of a copy made by the sender of who sent what information to whom and when.

On the other hand, the Internet fax is to send a fax via the Internet instead of the existing telephone network to store the offline document as a computer file on the server.

Bond transfer notifications may be made by the tenant to be directed to the landlord, but may be delegated to a financial institution. As a result, the bond transfer notification service can be handled by the lessee, the financial institution, and the legal corporation entrusted by them, so that the bond transfer notification service is delegated to the financial institution or the legal corporation, and the notification system 60 proves that the public authority proves. You can forward it to the landlord through a content verification service. On the contrary, if the landlord agrees to the assignment of the bond and autonomously signs the bond assignment, the notification system 60 may receive the document as a document that the public authority certifies.

The credit information survey system 80 may investigate the transfer household information of the real estate using the transfer household database 90, and may perform the on-site survey to transmit the on-site survey result.

Register Register database 70 includes the register information of the real estate, can be held in the court system.

The moving-in household database 90 includes the moving-in household information of the corresponding real estate and can be held by the government office.

The authority management system 100 can perform the authority investigation when requesting the authority investigation before loan execution and receiving the completion of the bond transfer notification from the notification system 60. FIG.

The title management system 100 may check the right relationship information of the corresponding property from the register copy database 70, create a title report, and transmit it to the title insurance system 50.

In addition, the authority management system 100 may request the credit information system 60 to perform a transfer household survey or a site visit survey of the real estate to receive a result.

At this time, the existing tenants request the transfer household survey and the on-site survey at the same time to receive the results.However, for the new tenant, only the transfer household survey is requested before the loan execution, and the on-site survey and additional transfer household survey after the loan execution are requested together. To receive the result.

The moving-in household survey is to grasp whether or not the tenant is moving in from the moving-in household database 90, and the on-site survey is to determine whether the tenant lives by visiting the property.

Existing tenants are opposing because they are already living in the property, and moving in and residing in the housing are carried out before the loan is executed, but most of the new tenants are required to pay the lease deposit on the balance of the lease. After the balance is paid, the transfer and residence are made. Therefore, for the new tenant, only the transfer household survey may be performed before the loan execution, and the transfer household and the site visit survey may be performed on the loan execution date, that is, the balance payment date.

The authority management system 100 can record the results of the transfer household or field visit and the telephone call with the tenant or the landlord or the broker to generate and transmit the primary authority confirmation before the loan is executed based on the results. On the day before, the first title acknowledgment is prepared and sent.

The authority management system 100 may receive a result by allowing the credit information investigation system 80 to check whether the tenant or another household is listed in the thawed real estate from the transfer household database 90, and also receive the result. Visits may receive information about tenants' residence or lease agreements.

On the other hand, on the date of the lease deposit balance payment for new tenants only, the title management system 100 may generate and transmit a second title verification certificate to the title insurance system 50 based on the result of the transfer household or on-site survey. If you do not report the move or move in, you can check the move-in report and move in until the designated date, and then create and send a second confirmation letter.

The book management system 100 may announce the register reading list periodically after the execution of the loan, so that the registered copy of the real estate can be confirmed, and similarly check the results of the transfer household survey of the credit information inspection system 80, Announce the telephone survey list periodically so that you can check and record the matter. And the authority management system 100 may generate and transmit a post confirmation based on each confirmation.

2 is a block diagram of a book management system according to an embodiment of the present invention.

The survey accepting unit 101 may receive the survey request information, and receive the survey request information received from the insurance system 50 and store the information in the management database 103. The survey accepting unit 101 may store the property. You may be notified that the notice of the transfer of the lease payments related to the lease contract has been forwarded as proof of contents.

In addition, when the tenant repays the loan and receives the repayment completion notice from the financial institution system 30 during the loan, the investigation reception unit 101 terminates the post-investigation date management task of the date management unit 105 to perform the post-management work. Can be terminated.

The management database 103 may organize and store all the information related to the authority investigation request for each field, and store the corresponding real estate and lease contract relationship information. More specifically, the management database 103 may store the information of the target real estate for which the subject survey is the subject. The target real estate information may include information such as the number of the target real estate, the purpose of the target real estate, the purpose of requesting a title investigation, the type of title insurance, the type of loan, and the timing of the ticket.

In addition, the management database 103 may store the information of the lease for the target real estate. The lease contract information may include data on a balance date, a deposit deposit value, a balance payment amount, a contract period, a settlement date, a landlord information, a tenant information, and special matters.

In addition, the management database 103 can store other information, such as a person investigation request, the contact person information of a client, and the like.

The date management unit 105 stores the loan date and the post-search date to control other components according to the difference between the current date and the date. At this time, the post-investigation date may include the registration investigation date, the telephone investigation date, and the transfer household investigation date after the loan execution.

The register copy confirming unit 107 may check the register copy information by accessing the register copy database 70 based on the volume request request data.

The transfer household research unit 109 may directly access the transfer household database 90, which may be provided in a government office, or request a transfer household survey to the credit information survey system 80 to receive the result, and the credit information survey system 80 ), You can request a site survey to receive the results. In this case, the moving-in generation research unit 109 may receive the moving-in generation survey information or the field survey result through the mobile portable terminal of the researcher.

When the bond transfer notice is delivered to the landlord, the telephone research unit 111 may register a result of conducting a telephone survey on whether the landlord has received the transfer. In addition, the telephone survey unit 111 may register the results of the lease contract and telephone lease for lease contract or lease with the renter or the landlord or broker after receiving the result of the previous generation survey or field survey. In addition, the telephone research unit 111 may register the results of the telephone survey on the lease agreement and leasehold lease to the landlord and tenant periodically after the loan execution. In addition, the telephone investigator 111 may register the result of conducting a telephone investigation of the delivery to the new lender after delivering the contents of the existing bond transfer to the new lender if the landlord is changed during the lease. In addition, the telephone research unit 111 may register the results of the telephone survey on whether the lease contract and the loan repayment to the landlord and the tenant before the lease contract termination date, that is, the loan expiration date.

The date notification unit 113 may notify the processing date of each step based on the loan date or the post-search date.

More specifically, the date notification unit 113 may announce the dates managed by the date management unit 105. First of all, based on the loan date, you can announce the date of sending the report a few days before the loan date, you can announce the date of sending the first volume confirmation letter a day before the loan date, and on the day of the loan execution to send the second volume confirmation letter after the loan is executed. Separately designated dates may be known. In addition, the date notification unit 113 may periodically notify the date of the telephone survey, the registration of the registered copy, the date of the transfer household survey after the execution of the loan.

The survey writing unit 115 may check the right relations result of the registration of the register of the corresponding property a few days before the loan date, and may generate a title report based on the bond transfer notification result and the authenticity of the lease contract.

And the survey preparation unit 115 is based on the day before the loan date, the transfer household survey or field survey results of the credit information survey system 80, and the telephone survey results, lease contracts and various documents, content proof results, real estate register 1 You can complete a letter of authorization.

Next, the survey preparation unit 115 may prepare a second title confirmation based on the result of the tenant's transfer and occupancy check on the property after execution of the loan. By the way, a second letter of confirmation may be prepared based on the result of the notification of moving in and confirmation of moving in.

In addition, the survey preparation unit 115 may create a post-determination form based on the results of a periodical real estate register survey or a periodical transfer household survey or a periodic telephone survey after the loan is executed.

3 is a business flow chart before the loan execution according to an embodiment of the present invention, a business flow chart before the loan for the new tenant.

As shown, first, when a lease is concluded between the tenant 10 and the tenant 20 (S301), the tenant and the financial institution system 30 may conclude a bond transfer agreement (S302). The new tenant 20 may consult with a financial institution for a lease of rent to cover the lease deposit, and may apply for a loan in advance in anticipation of the need for a loan during the lease term.

A bond transfer agreement is a transfer of the right to transfer the right to return the charter deposit at the expiration of the lease in order to receive a charter loan, that is, a contract for the transfer of the right of the tenant to the tenant to the financial institution. Point to. Through the transfer of the bond deposit return bonds, the loan is made to the tenant 20 by the financial institution as collateral for the bond.

The financial institution system 30 may subscribe to guarantee insurance for the tenant 20 with respect to the guarantee insurance system 40 and transmit related data to examine the credit and income relationship of the tenant 20 (S303). .

The warranty insurance system 40 may transmit the investigation result to the financial institution system 30, and may determine the insurance coverage (S304).

The financial institution system 30 may request the tenant 20 to make a preliminary decision on the passers of the examination and to submit the loan-related documents including the original request for transfer of the real estate and the original dated lease agreement.

The financial institution system 30 may request insurance subscription to the title insurance system 50, that is, request a title investigation, and the title insurance system 50 may refer to the real estate for the title management system 100. You can request a survey of the rights to the (S305).

At the same time, the financial institution system 30 can request the notification system 60 to provide a proof-of-content service for notification of bond transfer.

That is, the financial institution may transmit documents, such as 'bond transfer agreement, bond transfer letter, bond transfer notice, fixed date lease agreement', to the notification system 60 among the documents submitted by the lessee, and the notification system 60. The bond transfer may be provided to the landlord as proof of content, or as an alternative to the transfer of the bond transfer notice, the financial institution may provide the landlord with the bond transfer agreement, the lease agreement with the fixed date, The same document can be transmitted to the notification system 60 (S306, S307).

The notification system 60 may receive the confirmation that the bond transfer notification for the landlord is completed to the authority management system 100 and transmit a result of the bond transfer notification to the authority management system 100 (S308, S309). .

In addition, the notification system 60, based on a telephone call recording file with the landlord on the description of the notice of the bond transfer and the fact of receipt, after receiving a confirmation of the transfer of the bond transfer notification to the landlord, You can generate a report on the bond transfer notice.

The authority management system 100 may access the register copy database 70 to view the register of the real estate and check the rights relationship. And the authority management system 100 may check the authenticity of the lease contract, and organize the contents to create a authority report and transmit it to the authority insurance system 50 (S310, S311).

In addition, the authority management system 100 may transmit a transfer household or site visit survey request for the real estate to the credit information survey system 80 (S312).

The transfer household survey is to find out whether or not the tenant is transferred through the transfer household database 90, and the on-site survey is to determine whether the tenant lives by visiting the property. New tenants usually move in and live after paying off their lease deposits on the lease's balance. It is carried out (S313).

The credit information survey system 80 may distinguish between new tenants and existing tenants, and may examine whether the tenants or other households are listed in the real estate, and prepare a primary survey result to include a title management system ( 100) (S314).

The authority management system 100 can register recording information on other households through the telephone conversation with the tenant, and check the status of other households, whether they live in the apartment, the rent, the date of the brightness when the tenant is present, and additionally, the telephone call with the broker for new tenants. By using, you can register the transcripts for the facts of the conclusion of the lease agreement, the landlord and the tenant's identity (S315).

The authority management system 100 may generate a primary authority confirmation based on the day before the loan execution date, the lease agreement and various documents, the result of the notice of the bond transfer, the real estate register, the transfer household or the site visit result, the telephone survey result, and the like ( S316).

The first title confirmation is a computerized document that replaces the insurance policy of the title insurer, and it is the same as the registered owner, the landlord, whether there is a priority right, such as a mortgage and seizure, or a provisional disposition, whether the lease is confirmed, whether it is transferred to another household, or the transfer of the bond. It may include whether or not the notification is completed. At this time, any defect found in title is excluded from compensation of title insurance and is notified to the insured financial institution. The title insurance system 50 may issue a title insurance policy to the financial institution system 30 based on the first title confirmation (S316).

The financial institution system 30 may execute the loan by receiving the title insurance policy and the guarantee insurance policy, and at this time, the new tenant may pay the loan to the landlord (S317).

The tenant 20 may pay the balance of the lease contract, visit the relevant office and report the transfer and move in to the house (S318).

The credit information survey system 80 may check the household view by address through the transfer household database 90 based on the survey schedule, and whether the tenant or another household is listed on the day of the loan execution date. It can be confirmed (S319). And, as a result of the direct visit to the property, the tenant can check whether the residence and lease agreement, the second investigation result can be transmitted to the book management system 100 (S320).

The authority management system 100 may prepare a second authority confirmation on the day of the loan execution date and transmit it to the authority insurance system 50 on the basis of the second investigation result, and the tenant fails to secure the counterforce in an unavoidable situation (that is, If you do not move or move in), you can send a second certificate of confirmation by confirming the move-in and move-in by the designated date (S321).

If the tenant does not move in due to fraud or other defects in the security, the title insurance system 50 pays the financial institution, and the title insurance system 50 transfers the deposit deposit return bond and returns the loan to the landlord. You can request

4 is a flow chart before the loan execution according to an embodiment of the present invention, a flow chart before the loan for the existing tenant.

That is, the lease agreement between the tenant 10 and the tenant 20 (S401), the bond transfer agreement between the tenant 20 and the financial institution system 30 (S402), guarantee insurance of the financial institution system 30 Guarantee insurance subscription request and subscription decision for system 40 (S403, S404), request for investigation of title for insurance system 50 of financial institution system 30, and title management system 100 of authority insurance system 50 (S405, S407, and S408) are the same as the pre-loan process for new tenants described above. do.

After receiving a request for a title investigation, the authority management system 100 may access the register registration database 70 to view the registry of the property and check the rights relationship. And the authority management system 100 may check the authenticity of the lease contract, and organize the contents to create a authority report and transmit it to the authority insurance system 50 (S410, S411).

In addition, the authority management system 100 may transmit a transfer household or field visit survey request for the real estate to the credit information survey system 80 (S412).

Since the existing tenants already live in the property, they are in opposition, so it is possible to investigate transfer households and site visits before executing the loan.

The credit information survey system 80 can distinguish between new tenants and existing tenants to investigate whether a tenant or other households are listed in the property, and to the existing tenant only in a visit to the property. According to the tenant can check whether the residence and lease, and the first investigation result can be written and sent to the authority management system 100 (S413, S414).

The authority management system 100 may register recording information that examines other households' current status, residence status, rent, rent date, brightness date, etc. through a telephone call with the tenant (S415).

The authority management system 100 may generate a primary authority confirmation based on the day before the loan execution date, the lease agreement and various documents, the result of the notice of the bond transfer, the real estate register, the transfer household or the site visit result, the telephone survey result, and the like ( S416).

The title insurance system 50 may issue a title insurance policy, and the financial institution system 30 may receive the title insurance policy and the guarantee insurance policy and execute a loan. At this time, the existing tenant may pay the loan to the tenant (S417).

5 is a post management schedule after executing a loan according to an embodiment of the present invention.

Normally, lease contracts are based on two years, so new loans can be investigated for two years, existing loans can be investigated for the remaining lease period from the date of loan application, and the schedule can change from case to case. have

The title management system 100 may periodically check the registered copy of the registered survey, the date of the transfer household survey, and the telephone survey due to the schedule after the loan is executed.

In the case of the registered registration investigation date, the book management system 100 can access the registered database of the register database 70 to examine the registered contents of the register and determine whether the landlord has changed the landlord, whether the auction is in progress, whether the senior rights are right, and whether the priority rights are subordinated. To generate a follow-up confirmation.

When the landlord changes, the authority management system 100 generates and sends a post confirmation letter, and when the auction is in progress, the tenant may determine whether to apply for a dividend and send a post confirmation letter. May be sent, and if there is a subordinate right, no post confirmation may be sent.

In the case of the telephone investigation date, the authority management system 100 may generate a transcript through the telephone call with the landlord or the tenant, confirming the existence of the lease, the presence of the tenant, and the existence of other households, and generate and send out a post confirmation based on this. have.

In addition, the authority management system 100 may check whether the lease is renewed or terminated through a telephone call with the landlord or the tenant one month and three months before the lease contract expiration date, and then generate a transcript and generate a post-mortem confirmation based on this.

In the case of the transfer household survey date, the authority management system 100 may request the credit information survey system 80 to survey the transfer households of the real estate, and the credit information survey system 80 may check the transfer household database 90. You can directly access or visit your local government office to check the household details by address and send the survey results.

The authority management system 100 may generate a post confirmation and send it to the authority insurance system 50 based on the findings of the credit information investigation system 80.

In the case of the telephone survey or the transfer household survey date, the authority management system 100 may determine whether the tenant maintains the transfer, and may determine whether the lease contract is terminated, whether or not the priority other household is transferred, or whether it is renewed.

The title management system 100 may be used by the tenant to move out, the tenant to return the rent and terminate the lease, or to find another household that is higher than the tenant. If a household has not yet evicted, or if it is renewed at maturity, a follow-up confirmation may be generated and sent.

6 is a business flow diagram when the loan is terminated at the due date according to an embodiment of the present invention.

When the loan expires, the authority management system 100 may check whether the tenant 10 and the tenant 20 are renewed or not (S601), and when the loan is closed, a post confirmation may be made and transmitted to the authority insurance system 50. The title insurance system 50 may transmit a post confirmation to the financial institution system 30 (S602).

The financial institution system 30 receives the rent payment notice to the landlord 10 and the rent payment is returned, and the lending operation is terminated by paying the tenant the amount of the principal and the interest offset (S603 to S605).

At this time, if the landlord 10 does not return the rent to the financial institution system 30 on the loan maturity date, the financial institution system 30 may claim the guarantee insurance system 40 for the lease loan. There is (S606). The guarantee insurance system 40 may pay the insurance money to the financial institution system 30 (S607). In the absence of guaranteed insurance, financial institutions may manage their own risk of non-refundation of the lease when they expire.

The guarantee insurance system 40 may receive the loan repayment specialty and the rent return bond from the financial institution system 30, and exercise the right of reimbursement for the loan to the tenant 10. In addition, the landlord 10 may pay the corresponding amount to the guarantee insurance system 40 (S608 to S610).

On the other hand, Figure 7 is a flow chart when the loan business is renewed on the due date according to an embodiment of the present invention.

When the loan expires, the title management system 100 may check the landlord 10 and the tenant 20 for the renewal (S701). The insurance system 50 may transmit the system 50 to the financial institution system 30, and then the insurance policy system 50 transmits the post confirmation to the financial institution system 30 (S702).

The financial institution system 30 may request reinsurance of each insurance company, which is regarded as a new loan and newly processed.

8 is a flowchart illustrating a case where a tenant is changed midway.

The authority management system 100 can grasp the change of the tenant based on the result of the transfer investigation by the credit information investigation system 80 or the telephone survey with the tenant 20 (S801, S802, S803).

The authority management system 100 may send a post confirmation including the tenant change facts, and the authority insurance system 50 may transmit the post confirmation to the financial institution system 30. Since the financial institution system 30 has received the rent return bond, the landlord may request the renter to return the rent if the landlord returns the rent to the tenant.

9 is a flowchart illustrating a case where the landlord is changed midway.

The authority management system 100 may access the register copy database 70 to determine that the landlord has changed, and generate and send a post confirmation (S901 and S902).

In addition, the authority management system 100 may request the notification system 60 to deliver the bond transfer notice to the new lender, and the notification system 60 may transmit a delivery confirmation certificate to the authority management system 100 (S903). , S904, S905, S906).

In this case, the financial institution system 30 may request a certificate transfer request for bond transfer notice.

The authority management system 100 may additionally register a recording file by checking whether the new landlord has received the bond transfer notification fact (S907).

The new landlord may not know the facts about the previous lease, so let the new landlord know about the transfer of the bonds.

The authority management system 100 may transmit that the bond transfer notification is completed to the new landlord for the authority insurance system 50, which is also transmitted to the financial institution system 30 (S908).

10 is a flowchart of work in the case of overdue occurring midway.

If the tenant has overdue interest on the previous generation withdrawal during the period specified in the loan period, the financial institution may claim insurance for the charter loan to the guarantee insurance system 40 (S1001, S1002). 40 may pay the insurance institution system 30 (S1003).

Without guarantee insurance, financial institutions can manage their own risk of overdue.

Guarantee insurance system 40 may receive the full loan payment from the financial institution system 30, and transmit it to the book management system (100). In this case, the loan repayment full text may be transmitted directly from the financial institution system 30 to the book management system 100 (S1004, S1005).

The guarantee insurance system 40, which has received the rent return bond, may request a rent return to the landlord at maturity, receive the rent return, and offset the principal and interest on the loan and pay the difference to the tenant (S1006). , S1007, S1008).

After receiving the loan repayment full text, the authority management system 100 may close the post investigation work and terminate the loan work.

11 is a business flowchart when the tenant repays the loan halfway.

As shown, when the tenant 20 returns the principal and interest of the loan to the financial institution system 30 and receives the receipt (S1101, S1102), the financial institution system 30 is the title insurance system 50; Repayment notification is given to the authority management system 100, respectively (S1103).

The authority management system 1103 may close the post investigation work and end the loan work.

The tenant 10 returns the rent to the tenant after confirming the fact to the financial institution about the request to return the rent to the tenant 20 at maturity (S1104, S1105, S1106, and S1107).

Fig. 12 is a flowchart of the work when an accident occurs in the roll up in the middle.

If the authority management system 100 detects the fact that an accident occurred in the authority during the post investigation, the authority management system 100 may send a follow-up confirmation including the fact, and the financial institution system 30 may provide the insurance payment to the authority insurance system 50. A request is made (S1201, S1202).

The title insurance system 50 pays the insurance money and receives the receivables for repayment of the rent, and may request the renter 10 to return the rent when it expires (S1203, S1204, S1206).

The title insurance system 50 pays the difference to the tenant after offsetting the principal and interest from the rent (S1206, S1207, S1208).

At this time, the authority management system 100, if the financial institution system 30 receives the insurance payment and the repayment notification, the post-inspection work is terminated (S1205).

What has been described above is only an embodiment of the present invention, and the scope of the present invention is not limited thereto, and various modifications can be made to the matter apparent to those skilled in the art. For example, each device constituting the title management system or the chartered loan system according to the embodiment of the present invention and the modules constituting the devices may be additionally configured or merged according to their functions. In addition, the charter loan method or the book management method according to the embodiment of the present invention can be applied to the order of course is changed.

The scope of the present invention will include all the technical elements recognized as the claims described below and equivalents thereof.

1 is a diagram showing the overall configuration of the charter loan system according to an embodiment of the present invention.

2 is a detailed block diagram of a book management system according to an embodiment of the present invention.

Figure 3 is a flow chart before the loan execution for the new tenant according to an embodiment of the present invention.

Figure 4 is a flow chart before the loan execution for the existing tenant according to an embodiment of the present invention.

5 is a post management schedule after executing a loan according to an embodiment of the present invention.

6 is a business flow diagram after a loan is terminated at maturity in accordance with an embodiment of the present invention.

7 is a flowchart illustrating a case where a loan service is renewed at an expiration date according to an embodiment of the present invention.

8 is a flowchart illustrating a case where a tenant is changed midway according to an embodiment of the present invention.

9 is a flowchart illustrating a case where a landlord is changed midway according to an embodiment of the present invention.

10 is a flowchart illustrating a case where an overdue occurs midway according to an embodiment of the present invention.

11 is a business flow diagram when a tenant repays a loan in accordance with an embodiment of the present invention.

12 is a flowchart illustrating a case where a winding accident occurs in accordance with an embodiment of the present invention.

Claims (33)

It is a charter loan system that pays the landlord or tenant a loan for the charter deposit in accordance with the real estate lease. A financial institution system for acquiring a tax refund bond by entering into a bond transfer agreement with the lessee; Title insurance system for issuing title insurance policies for the real estate, A notification system for notifying the landlord of the assignment of the bond or receiving a written consent for the assignment of the bond from the landlord; And After the notice of claim assignment or receipt of the letter of acceptance agreement is completed, the record of the relevant property is confirmed from the register copy database, and a report of the title is generated and sent. A title management system for generating a first title confirmation and sending it to the title insurance system on the basis of a transfer household survey result, a site visit survey result, or a telephone survey result received one day before the loan date; Charter loan system The method of claim 1, The financial institution system, Provide a loan once per lease, Provide multiple loans up to the maximum of the lease term Charter Loan System. The method of claim 1, If the tenant is a new tenant, The book management system, To generate and send a second title confirmation letter that includes the results of a transfer household survey or a confirmation of the fulfillment of tenancy and lease agreements through on-site visits by the loan date or designated date. Charter Loan System. The method according to claim 1 or 3, It further includes a credit information survey system that checks the transfer household history through the transfer household database, and sends the survey results to the title management system based on the confirmation of moving in or visiting the lease through the site visit Charter Loan System. The method of claim 1, And a guarantee insurance system for issuing a guarantee insurance policy for the lessee after evaluating the creditworthiness or income relation for the lessee. Charter Loan System. The method according to claim 1 or 3, The book management system After the execution of the loan, according to the schedule periodically announce the date of the registration investigation, transfer household investigation date, telephone investigation date, Based on the results of each investigation, to generate and send a post confirmation Charter Loan System. The method of claim 6, The book management system If a defect occurs in the title of the real estate, a post confirmation letter including the content of the defect is sent,        The book insurance system        After paying the insurance money to the financial institution system, the landlord charges the rent and pays the balance after offsetting to the lessee.        The financial institution system       Notifying the authority management system of completion of repayment of the loan, causing the authority management system to terminate the post-management work. Charter Loan System. The method of claim 5, In the event of a late payment due to the loan The guarantee insurance system pays the insurance money to the financial institution system, collects the rent-return bonds, charges the renter with the rent, and pays the balance after offsetting to the lessee, The financial institution system notifies the authority management system of the completion of repayment of the loan. The book management system terminates the post management work after receiving the repayment completion. Charter Loan System. The method of claim 5, If the landlord does not return the rent to the financial institution system at maturity, The financial institution system bills and receives insurance money for a charter loan to the guarantee insurance system, The guarantee insurance system acquires a rent-back bond and exercises the right to reimburse the landlord for the loan. Charter Loan System. The method of claim 6, The book management system If the landlord is changed as a result of the post-registration register investigation, a post confirmation letter including the changes of the landlord is generated and sent out, and the notification system is notified of the bond transfer notice to the new tenant, and a delivery confirmation letter is received from the notification system. To send the completion to the title insurance system Charter Loan System. The method of claim 6, The book management system, If the tenant is changed as a result of the telephone survey or the transfer investigation, a post confirmation letter including the change of tenant will be sent, The financial institution system sends a rent return claim to the landlord when the landlord returns the rent to the tenant. Charter Loan System. As a method of paying a landlord or tenant a loan on a charter deposit resulting from the conclusion of a real estate lease, a) after the conclusion of the bond transfer agreement with the lessee of the financial institution system, the notification system notifies the landlord of the bond transfer or receives a consent for the transfer of the bond from the landlord; b) after the authority management system receives the authority investigation request, and after receiving the notification of the assignment of the bond transfer or the receipt of the acceptance of the bond transfer, confirming the registration of the property from the register copy database and generating and sending the authority report; c) the authority management system generates and transmits the primary authority confirmation to the authority insurance system based on the transfer household survey result, the field visit survey result, or the telephone survey result received one day before the loan date; d) the financial institution system paying the loan after issuing the title insurance policy of the title insurance system; Charter Loan Method. The method of claim 12, The loan payment is, Provide a loan once per lease, Provide multiple loans within the maximum limit of the lease term, Charter Loan System. The method of claim 12, After step c), If the tenant is a new tenant, The book management system further comprises the step of generating and sending a second book confirmation including the results of a transfer household survey or a check-in of a tenancy and lease through a site visit by a loan date or a designated date. Charter Loan Method. The method according to claim 12 or 14, wherein After step b), The credit information survey system further includes the steps of checking the transfer household details through the transfer household database, and sending the survey result to the title management system based on the confirmation of moving in through the site visit or the fulfillment of the lease contract. Charter Loan Method. The method of claim 12, The guarantee insurance system further includes the step of issuing a guarantee insurance policy for the tenant after the credit or income relationship evaluation for the tenant; Charter Loan Method. The method according to claim 12 or 14, wherein e) after the loan management system announces the date of registration of the registered copy or the date of the transfer household survey or telephone survey periodically according to a schedule after the loan is executed; f) further comprising the step of generating and sending a post confirmation according to the result of each investigation by the authority management system. Charter Loan Method. The method of claim 17, Step f), If a defect occurs in the title of the real estate, it is a step of generating a post-confirmation including the defect content, The title insurance system pays the financial institution system, charges the landlord with the corresponding rent, and pays the balance to the lessee after offsetting; The title management system further includes the step of receiving the repayment completion of the loan from the financial institution system to terminate the after-care business Charter Loan Method. The method of claim 17, Step f), If the landlord changes as a result of the post-registration register investigation, a post-mortem confirmation including the landlord changes is sent. The title management system further includes the step of receiving the bond transfer notification delivery confirmation confirmation for the new lender and sending it to the title insurance system; Charter Loan Method. The method of claim 17, Step f), If the tenant is changed as a result of the post-registration investigation, a follow-up confirmation letter including the tenant change is sent. The financial institution system further includes sending a rent return claim to the landlord when the landlord returns the rent to the tenant. Charter Loan Method. A system that manages the title of a real estate to pay a loan to a landlord or a tenant for the lease of a real estate lease. An investigation reception unit that receives information on requesting investigation of the authority or completion of the transfer of the notice of the transfer of the deposit due; A management database that stores information on a real estate and a lease contract related to a title investigation request; A registered copy confirming unit for accessing the registered copy database to confirm the registered copy information of the property; A transfer generation research unit that directly accesses a transfer generation database to investigate the transfer generation status or registers a transfer generation survey result or a site visit survey result received from a credit information survey system; Telephone investigation department which registers telephone call recording file with tenant or landlord or broker after receiving the results of transfer household survey or field survey After requesting a title investigation, a survey report generation section is generated that generates a report of the title based on the result of the registration confirmation of the register, and generates the first report of the title based on the results of the previous generation's household survey, the site visit, or the telephone survey. Title Management System. The method of claim 21, The survey book creation unit, If the tenant is a new tenant, To generate a second title confirmation that includes the results of a transfer household survey or a confirmation of the fulfillment of tenancy and lease agreements through on-site visits by the loan date or by a specified date; Title Management System. The method of claim 21 or 22, A due date management unit that manages loan or follow-up dates; Further including a date notice to announce the processing date of each step based on the loan date or post-search date, The survey book creation unit, According to the investigation result according to the date of the follow-up investigation, to generate and send the follow-up confirmation Title Management System. The method of claim 23, wherein The post-mortem date is Including the register copy investigation date, transfer household investigation date, telephone investigation date Title Management System. The method of claim 23, wherein The survey book creation unit, If a defect occurs in the title of the real estate, a post confirmation including the content of the defect is generated, When the investigation receiving unit receives the repayment completion notice from the financial institution system that received the Kwon Insurance, the due date management unit terminates the post management work by ending the due date management unit. Title Management System. The method of claim 23, wherein The survey book creation unit, If the landlord changes as a result of the registry investigation, generate a follow-up confirmation including the landlord changes, If the tenant is changed as a result of the telephone survey or the transfer investigation, and generates a follow-up confirmation including the fact that the tenant changes, If the landlord or tenant reveals their renewal intention as a result of the telephone investigation, a post-confirmation letter containing a request for renewal is generated. Title Management System. A method of managing the title of a property in order to pay the landlord or tenant a loan on a charter deposit resulting from the conclusion of the lease. a) receiving authority request information; b) receiving, to the lessor, that the transfer of the notice of the transfer of the bond return to the financial institution has been completed; c) accessing the registered copy database to confirm the registered copy information of the property; d) generating a book report based on the result of the register certified confirmation; e) directly accessing the moving-in household database to investigate the moving-in household status, or registering the moving-in generation survey result or the on-site survey result received from the credit information survey system; f) registering a telephone call recording file with the tenant or tenant or broker; g) generating a primary title confirmation based on the results of a previous generation household survey, a site visit, or a telephone survey one day before the loan date; How to manage titles. The method of claim 27, If the tenant is a new tenant, h) generating a second title confirmation that includes the results of the transfer household survey or the on-site visit and confirmation of the fulfillment of the tenancy and lease agreements by the date of the loan or by a designated date; How to manage titles. The method of claim 27, After the loan run date, i) periodically notifying the post-irradiation date according to a schedule; j) further comprising the step of generating a post confirmation according to the findings of each post-expiration date; How to manage titles. The method of claim 29, The post-irradiation date is Including the date of registration of the registration of the register, the date of the transfer household investigation, and the date of the telephone survey; How to manage titles. The method of claim 29, Step j), If a defect occurs in the title of the real estate, it is a step of generating a post-confirmation including the defect content, If the reimbursement completion notice is received from the financial institution system that received the title insurance claim, further comprising the step of ending the after-care work. How to manage titles. The method of claim 29, Step j), If the landlord is changed as a result of the register copy investigation, the step of generating a document confirmation including the landlord changes, If the tenant changes as a result of a telephone survey or a moving-in investigation, a follow-up confirmation including the change of tenant is generated. If the landlord or tenant reveals their renewal intention by phone investigation, the step is to generate a follow-up letter containing the desired renewal. How to manage titles. A storage medium having recorded a program according to any one of claims 27 to 32.

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