KR20090001739A - A loan method of guaranteeing principal and interest secured by joint lease contract and a system for operating of the method - Google Patents

Abstract

A lending method for securing principal and interest by offering a collaboration rental contract as security and a system for operating the method are provided to enable an administrator having a right of a creditor or an agent of the creditor to register a debtor as a tenant having a collaboration right, so that the tenant, who is the debtor trying to get a loan of money, can get the loan even when the debtor's credit grade is low, during a loan process for housing rental. A user connects on the Internet to peruse a stored page(S101). If the user is previously registered, the user connects with an ID and a password, but if the user is first registered, the user performs member registration for logging on(S102). The user selects main items and detailed items necessary for a loan contract(S103). An essential contract form is outputted on a screen, or outputted through an external output device(S104). According to a form outputted by selection of items and selected data, the loan contract is carried out by confirmation(S105).

Description

A loan method of guaranteeing principal and interest secured by joint lease contract and a system for operating of the method}

1 is a flow chart showing the flow of the loan method of the present invention.

2 illustrates an operating system of the present invention.

3 is a schematic conceptual diagram of an embodiment of the present invention.

4 is a schematic conceptual view of another embodiment of the present invention.

※ Explanation of code about main part of drawing ※

100: manager 110: operating server

112: Operational Database

114: Operational Database Management System (RDBMS)

120: bank server 122: bank database

124: Bank RDBMS (Relational Database Management System)

210, 211, 212, ..., 21n: debtor

300: the Internet

According to the present invention, when a loan is secured with the down payment of a lease contract, when the interest payment or the repayment of the principal is not smooth, the down payment of the lease contract as collateral is repaid as a principle of the loan. The present invention relates to a loan method for enabling a loan and a system for operating the loan method.

In general, in loans in finance, the borrower can secure the loan only by guaranteeing repayment by physical or human security for repayment of the loan, and the creditor must be able to secure the principal and interest in any form. will be.

If the tenant who is the borrower who wants to take out the loan during the loan process for such a housing lease has a low credit rating, the tenant cannot receive the loan. You may not be able to get a loan if it is cumbersome because you need permission or you need documentation from the landlord and you do not cooperate.

In addition, in the case of the lender who lends the loan, it is necessary to take the risk that even if the loan is made with the rent which is the subordinated mortgage, even the principal cannot be recovered.

In the present invention, the borrower can obtain a loan regardless of the credit situation of the borrower who wants to obtain a loan or whether the landlord cooperates with the borrower, and the creditor who makes the loan can recover the loan principle without problems. It is a technical task to provide a method for enabling a lease agreement to be made by a creditor and a creditor and a system for operating the method.

The technical problem of the present invention can be roughly divided into a loan contract stage and a contract execution stage with collateral lease contracts,

The contract step is a step in which a tenant (debtor) who wants to proceed with a lease contract is connected through the Internet to view a page stored in an operation server prepared by a creditor having a joint tenant status;

In the case of an existing member, the user accesses with an ID and a password, and, in the case of a first-time user, registers as a member and logs in;

Selecting the main items and details necessary for the loan contract after the login, such as loan type, loan amount and period, location of lease house, joint tenant, loan principle or interest payment bank, moving date, moving center, contract date, etc .;

A form output step of outputting a necessary contract such as a lease contract, a loan (bond debt) contract or the like through an external output device according to the selected item; And

A contract making step of making a loan contract based on the item selection and the form and confirmation outputted by the selected data;

Is made of.

The contract execution step includes the step of notifying the debtor by confirming the principal or interest payment amount and the payment date of the debtor in the operation server prepared by the creditor;

A deposit confirmation step of confirming whether or not the above-mentioned bond amount has been deposited;

A notification step of notifying the non-payment if the payment has not been made in the above confirmation step;

If the payment is not made even by the above notification, the highest level including the details of the bond amount and the highest statement indicating the payment deadline is outputted and notified;

A final confirmation step of confirming whether the amount of the bond has been settled by the highest of the above highest levels;

If the payment is not made even by this best, the document generation step of generating the required documents, such as the termination document for the recovery of the security deposit secured for settlement or the holding for the litigation (including the debt performance lawsuit or small case judgment);

Is made of.

An operation server provided by a creditor for realizing each of the steps constituting the above method;

Bank servers for interest payments, etc .;

A real estate server holding real estate information including a home;

A moving server holding moving related information;

Operational database prepared by the creditor;

A bank database prepared by the bank;

A real estate database containing real estate related information;

Director database containing director information;

Terminals with input devices, such as personal computers or PDAs owned by multiple debtors;

An output device for outputting information of the server, database, and terminal;

An internet network connecting the server, database, and terminal to each other; And

An interface for allowing the server, database, and terminal connected by the Internet network to interwork or access each other;

By the system consisting of a loan method that can secure the principle money by collateral lease contract of the present invention can be realized.

The above system may be implemented by adding a post office server and a post office database to allow mail to be delivered, or may be implemented by adding a server and a database of an associated law office to solve a legal problem.

In the above, the lessee is a person who intends to borrow a deposit, etc. from the creditor as the joint tenant's status, and the above creditor refers to a person who lends out of his own money or lends money such as a bank on behalf of the debtor. In the above, the bank means not only the first financial sector but also the second financial sector such as a commercial bank, and the real estate generally refers to a company in charge of the sale, lease, etc. of the real estate, and the moving center is a vehicle for moving, Refers to companies that provide laborers and the like.

The page that can be viewed by the debtor or another member accessing the operation server provided by the creditor is a general document or picture file whose extension is hwp, htm, html, doc, pdf, txt, jpg, tiff, gif, etc. As a page that can be viewed and read, it refers to a page that a creditor has stored in his or her own operation server or a file that can be viewed by linking a file stored in another server operated by a third party.

At this time, the debtor or the member may access the creditor's operation server by desktop or laptop computer, PDA, and cellular phone, and the operation server by wire or wireless. Any device with the ability to access the page can be accessed.

The Internet can also be used as a wired or wireless Internet as a collection of communication networks. Although the Internet uses the TCP-IP protocol according to the HTTP protocol, Even if the protocol and protocol are not used, any communication means can be used as long as the communication security is maintained.

The login step is a step in which a future tenant who becomes a debtor accesses a server provided by a creditor through a web page, and a debtor who has already registered as a member logs in by inputting his / her ID and password, and has not yet registered as a member. The debtor can enter his or her information (resident number, address, occupation, salary, etc.) to be listed as a member and then log in as a member. In this membership registration and login, you can use a public authentication or a telephone (wireless (mobile) phone or wired phone) authentication to verify your identity.

The items entered by the debtor for the loan contract after logging in above are the loan types such as the principle payment of the principal and the repayment of the principal after the payment of interest, the loan amount within the deposit amount of the lease housing and the loan period within the lease period, and linked with the real estate server. The location of the home to be rented by information, the choice of a co-tenant to select one creditor if there are multiple creditors, the choice of loan principle or interest-paying bank based on information linked with the bank server, Loan contract can not be completed until items are entered such as moving date to receive and moving, selection of moving center based on information linked with moving server, and date to enter into loan contract with creditors.

The form output means that the main item or detail item is inputted, and the databaseized data is inputted corresponding to each configuration field of the form, so that the completed form is implemented in an output device such as a monitor, a reading window, or a printer. Say.

The printed form is a lease agreement in which the creditor and the debtor are joint tenants, or a monetary bond agreement between the creditor and the debtor, and the contract is concluded or printed on the internet connected by the contract. The contract is signed off-line as an actual contract.

In the performance of the contract, the bond amount notification step is to notify the amount of bonds that each debtor should pay in a fixed period from a server and database provided by the creditor or the bank. It is a step in which the debtor who notifies interest, pays only interest, and repays the principal is notified of the amount of interest, and when the contract expires and the deadline is reached, the principal is notified of the payment of the principal. At this time, the method of notifying the debtor may use a short message service (SMS), an e-mail or a postal mail of the mobile phone, or may use a postal notification through a post office.

The deposit confirmation step is a step of confirming through the bank server whether the deposit of the above-mentioned bond amount or the deposit in the case of using the direct debit method, the confirmation is confirmed by daily settlement, weekly settlement or monthly settlement Could be.

The notification step is to notify the debtor when the amount of the bond due to the notification or direct debit agreement has not been paid. This notification is also provided by SMS, e-mail or mail of a mobile phone. You can also use it, or you can use the postal notification through the post office. This notification is made by collecting data from the creditor or bank server and database. In addition, this notification may be made only once, but may be given more than once in consideration of contractual or economic conditions.

The highest step is a step for maximizing the collection or litigation of loans when the principal or interest is not settled in spite of the notification of the outstanding amount of the bond. In the chapter, the data of the creditor's operation server, the bank's bank server, the creditor's operation database or the bank's bank database is entered corresponding to each configuration field of the form, and the completed form is outputted.

In the document generation step, if it is determined that payment is not made even by the highest, data of server or database of creditor or bank side is inputted to each component field of form, and completed form is monitored, reading window or This step is implemented in an output device such as a printer. The completed form may be sent to the associated law firm's server to terminate the contract or proceed with the law firm, or directly to the creditor or bank using the printed document, or to proceed directly with the lender or bank, or through the law firm. You can terminate the contract or proceed with litigation.

In the system, a server is a device for operating management software for controlling access to all or part of the network and to resources (disk devices, files, printers, etc.) to other computers on the network; As referring to the program, in the present invention, since a function of providing a file containing a web page to members is increased, the server may be operated mainly on a web server or a mail server. This web server uses Sun Ultra 60, Apache Web Server, Internet Information Server (IIS) for Windows NT, or Netscape's enterprise servers, and mainly IBM's OS / 390 and AS / 400. We use server building programs such as IBM's Lotus Domino Server for our clients. The above mail servers are sendmail servers and qmail. Use a server, an Exim server, or Microsoft's exchange server.

The database includes Oracle, dBASE, DB2, Sybase, MSQL, mySQL, mSQL, ODBC, Microsoft Access. Database, such as SQL Server, or Infomix, to build a database, which can be accessed by Microsoft Access or Oracle. Manages the database using RDBMS such as DBMS or Ardent's UniData, and works as a standardized language corresponding to each other between database and RDBMS. To be.

And it can be made smoothly through the script engine to run the CGI (Common Gate Interface) for interoperating the operation server, bank server, real estate server, moving server, post office server and law office server and RDBMS, Scripts can be coded and run as Unix-like C language, Pearl language, JAVA or PHP language. It can be operated by ASP (Active Sever Page) which is driven by Internet Information Server (IIS) of Window NT.

The interface between each server and the debtor may be connected by a physical gateway (plug, LAN card, USB port, etc.) or API (Application Program Interface).

The output device may be in any form as long as the device can recognize information such as a monitor of a terminal, a monitor or a printer connected to the outside.

According to the present invention, a manager (co-tenant) acting as a direct creditor and a representative who is delegated full power from the bank and acts as an agent in charge of managing bonds, leases as a co-tenant with the debtor, and the money receivables between the bank and the debtor. If the implementation is not smooth, the manager can achieve the object of the present invention by recovering the deposit as the tenant's status to ensure the principal.

At this time, the configuration of the present invention by the above manager can be made without a great change in the configuration of the present invention.

Hereinafter, with reference to the accompanying drawings will be described an embodiment of the present invention.

1 is a flow chart showing the flow of the loan method of the present invention, Figure 2 is a view showing the operating system of the present invention, Figure 3 is a schematic conceptual diagram of an embodiment of the present invention, Figure 4 is a view of another embodiment of the present invention It is a figure which shows schematic conceptual diagram.

In the loan method of the present invention, a tenant (debtor) 210, 211, 212, ..., 21n who intends to proceed with a housing lease contract stores a page stored in an operation server 110 prepared by a creditor having a joint tenant status. Accessing through the Internet 300 which is a communication network using a TCP-IP protocol according to HTTP protocol for browsing (S101);

If you are a member, log in with your ID and password. If you are a first-time user, enter your information such as your social security number, address, occupation, and salary. Step S102;

Loan type, such as the repayment of principal after the login or the payment of principal after payment of interest, the loan amount within the deposit amount of the lease and the loan period within the lease period, the location of the house to be rented by the information linked with the real estate server 130, If there are a large number of creditors, the choice of co-tenant to select one of the creditors, the choice of loan principle or interest-paying bank based on the information linked with the bank server 120, the date of moving to get a loan from the current place of residence, Selecting and inputting items necessary for a loan contract, such as selection of a moving center based on information linked with the moving server 140 and a date of a loan contract with a creditor (S103);

Each of the data databased by the item selected in step S103 is input to each corresponding configuration field of the form, and the required contract forms such as the completed lease contract and loan (bond debt) contract are the debtor (210, 211). , 212, ..., 21n) form output step (S104) is output on the screen or output via an external output device;

A contract making step (S105) in which a loan contract is made online by the selection of the item in the output step (S104) and the form and confirmation outputted by the selected data;

On the operation server 110 prepared by the creditor, the principal or interest payment amount and payment date for the debtor 210, 211, 212, ..., 21n are checked, and the debtor 210, 211, 212, ..., 21n is checked. Notifying the amount of the bond using the SMS service or the e-mail of the mobile telephone (S106);

Deposit confirmation step (S107) is confirmed whether or not the deposit amount of the above notification is linked with the bank server 120 on a daily basis (S107);

If the payment is not made in the above confirmation step (S107), the debtor 210, 211, 212, ..., 21n for the unpaid payment by using the SMS or e-mail of the mobile phone A notification step of making a notification (S108);

Checking whether or not the outstanding balance is settled by the notification step (S108) in connection with the bank server 120 (S109);

If it is determined in the above confirmation step (S109) that the payment has not been made, the online high end and the post office including the details of the bond amount and the payment deadline are specified by SMS or e-mail. The highest step (S110) to be notified of the offline writing through the server 150;

Final confirmation step (S111) is confirmed in conjunction with the bank server 120 whether the bond amount is settled by the highest of the top step (S110);

If it is determined in the final confirmation step (S111) that the settlement has not been made, the contract termination document for the collection of the security deposit secured for the settlement of the unsettled payment, or the complaint for the litigation (including the execution of a debt settlement or a small case judgment), etc. Required document is sent to the law firm server 160, the contract termination or request for litigation, or document generation step (S112) created in writing by an external output device added to the operation server 110;

Is made of.

Each database 112, 122, 132, 142, 152, and 162 manages the database using the database management system 114, 124, 134, 144, 154, and 164, and the database and the RDBMS correspond to each other. To work as a standardized language.

The documents generated in the above document generation step (S112) may be terminated by a law firm, proceed with debt execution or damages suit, or the creditor may directly terminate such contract or litigation to allow the debtor to perform the contract. To help.

At this time, since the contracted creditor is a joint tenant, the principal can be preserved by canceling the lease to the landlord (the lease can be terminated by the creditor alone as a special contract at the time of the lease) and returning the deposit from the landlord.

The schematic concept of the embodiment of the present invention is shown in FIG. 3, the creditor 110 enters into a mutual joint business agreement with the bank 120, and enters into a contract for a loan contract with a mortgage. However, the debtor 210 that cannot afford a loan in the first financial sector due to lack of funds or a low credit rating has entered into a loan contract with the creditor 110, and the creditor 110 and the debtor 210 are joint charters. And a lease agreement. At this time, for the amount of the lease contract (deposit, etc.) that is insufficient for the debtor 210, the creditor 110 secures the insufficient amount as a collateral right from the bank 120, and the loan interest is contracted so that the debtor 210 can pay the loan interest. .

Here, the debtor 210 is to receive a loan from the creditor 110 at a relatively low interest rate compared to the private bank, and the creditor 210 at a cheaper interest in exchange for responsibility for managing the debt from the bank 120. Since the lender 110 receives a loan, the creditor 110 has a portion of profits, and since the lease is secured, the creditor 110 is the landlord (400) when the contract for the credit bond between the creditor 110 and the debtor 210 is not fulfilled. With the termination of the lease agreement to be able to get back the deposit, the creditor 110 will be able to make a loan agreement without damaging the principal.

Meanwhile, another embodiment of the present invention will be described below.

According to another embodiment of the present invention, the creditor in the above embodiment acts as a manager 100 who acts as an agent by acting as a deputy manager and full authority of the creditor, and the bank 120 as a substantial creditor acts as a creditor. The purpose can be achieved.

That is, in the loan method of the present invention, an operation server 110 provided by a manager 100 having a tenant's status as a tenant (debtor) 210, 211, 212,. Accessing through the Internet 300 which is a communication network using a TCP-IP protocol according to HTP protocol to view a page stored in the S101;

If you are a member, log in with your ID and password. If you are a first-time user, enter your information such as your social security number, address, occupation, and salary. Step S102;

Loan type, such as the repayment of principal after the login or the payment of principal after payment of interest, the loan amount within the deposit amount of the lease and the loan period within the lease period, the location of the house to be rented by the information linked with the real estate server 130, If there are a large number of creditors, the choice of co-tenant to select one of the creditors, the choice of loan principle or interest-paying bank based on the information linked with the bank server 120, the date of moving to get a loan from the current place of residence, Selecting and inputting items necessary for a loan contract, such as selection of a moving center based on information linked with the moving server 140 and a date of a loan contract with a creditor (S103);

Each of the data databased by the item selected in step S103 is input to each corresponding configuration field of the form, and the required contract forms such as the completed lease contract and loan (bond debt) contract are the debtor (210, 211). , 212, ..., 21n) form output step (S104) is output on the screen or output via an external output device;

A contract making step (S105) in which a loan contract is made online by the selection of the item in the output step (S104) and the form and confirmation outputted by the selected data;

In the bank server 120 provided by the bank 120, the principal or interest payment amount and payment date for the debtors 210, 211, 212, ..., 21n are checked and the debtors 210, 211, 212, ..., 21n) notifying the bond amount by using a SMS service or an e-mail of the mobile telephone (S106);

Deposit confirmation step (S107) is confirmed in the bank server 120 on the basis of whether the deposit amount of the above notification is received (day);

If the payment is not made in the above confirmation step (S107), the debtor 210, 211, 212, ..., 21n for the unpaid payment by using the SMS or e-mail of the mobile phone A notification step of making a notification (S108);

Checking whether the outstanding balance is settled by the bank server 120 by the notification step (S108) (S109);

If it is determined in the above confirmation step (S109) that the payment has not been made, the online high end and the post office including the details of the bond amount and the payment deadline are specified by SMS or e-mail. The highest step (S110) to be notified of the offline writing through the server 150;

The final confirmation step (S111) is confirmed in the bank server 120 whether the bond amount is settled by the highest of the top step (S110);

If it is determined in the final confirmation step (S111) that the settlement has not been made, the contract termination document for the collection of the security deposit secured for the settlement of the unsettled payment, or the complaint for the litigation (including the execution of a debt settlement or a small case judgment), etc. Required document is sent to the law firm server 160, the contract termination or request for litigation, or document generation step (S112) created in writing by an external output device added to the bank server 120;

Is made of.

As shown in FIG. 4, the manager 100 enters into a mutual joint business agreement with the bank 120 and tries to rent a house, but lacks funds or has a low credit rating so that the borrower 210 cannot receive a loan in the first financial sector. While making a loan agreement secured by the bank 120 from the bank 120, the contract is made to receive the insufficient amount and pay the loan interest. At this time, the manager 100 becomes a joint charter right with the debtor 210 and enters into a lease with the landlord 400.

Here, the manager 100 receives a fee from the bank 120 in exchange for the responsibility of merchandise sales and bond management, and the contract for the financial bond between the bank 120 and the debtor 210 is fulfilled since the lease is secured. If not, the manager 100 is able to recover the bonds without damaging the principal of the bank 120 because the manager can be returned to the landlord 400 to terminate the lease.

Although the embodiments of the present invention have been described above, the present invention is not limited to the above embodiments, and various aspects of the present invention are made at the level of those skilled in the art using the idea of the present invention to guarantee the principal by using the creditors or their managers or agents as co-tenants. Of course, it can also be carried out in a modified manner of the branches, this modified implementation is of course within the claims of the present invention.

As described above, the present invention provides a loan even if the debtor who is a debtor who wants to obtain a loan during the loan process for the tenancy of the house by registering the debtor or the manager of the creditor's agent as a tenant having joint rights. It is easy because the borrower does not need the landlord's permission or the documents issued by the landlord. Also, in the position of the lender who lends the loan, the borrower makes the loan as a collateral, causing the debtor to default. Even if you have a charter deposit as principal, you can get back the charter deposit, so the principal is guaranteed.

Claims (26)

A tenant (debtor) who intends to proceed with the lease is connected through the Internet to browse a page stored in an operation server prepared by a creditor having a joint tenant status; In the case of an existing member, the user accesses with an ID and a password, and, in the case of a first-time user, registers as a member and logs in; Selecting the main items and details necessary for the loan contract after the login, such as loan type, loan amount and period, location of lease house, joint tenant, loan principle or interest payment bank, moving date, moving center, contract date, etc .; A form output step of outputting a necessary contract such as a lease contract, a loan (bond debt) contract, or the like through an external output device according to the selected item; And A contract making step of making a loan contract based on the item selection and the form and confirmation outputted by the selected data; Loan method to secure the principle by collateral lease, characterized in that consisting of. For the performance of the contract concluded in paragraph 1; Checking the principal or interest payment amount and the payment date of the debtor in the operation server prepared by the creditor and notifying the debtor of the bond amount; A deposit confirmation step of confirming whether or not the above-mentioned bond amount has been deposited; US payment notification step of notifying the payment if the payment is not made in the above confirmation step; If the payment is not made even by the above notification, the highest level including the details of the bond amount and the highest statement indicating the payment deadline is outputted and notified; A final confirmation step of confirming whether the amount of the bond has been settled by the highest of the above highest levels; If the payment is not made even by this best, the document generation step of generating the required documents, such as the termination document for the recovery of the security deposit secured for settlement or the holding for the litigation (including the debt performance lawsuit or small case judgment); Loan method to secure the principle by collateral lease, characterized in that consisting of. The method of claim 1, In the above, the lessee is a person who intends to borrow a deposit, etc. from the creditor as the joint tenant's status, and the above creditor refers to a person who lends out of his own money or lends money such as a bank on behalf of the debtor. In the above, the bank means not only the first financial sector but also the second financial sector such as a commercial bank, and the real estate generally refers to a company in charge of the sale, lease, etc. of the real estate, and the moving center is a vehicle for moving, Loan method that can secure the principle money by collateral lease agreement, characterized in that the company provides labor and the like. The page of claim 1, wherein the debtor or another member accessing the operation server provided by the creditor can view the page. It is a page that extension can be read and run by general document or picture file such as hwp, htm, html, doc, pdf, txt, jpg, tiff, gif, etc. Loan method that can secure the principle money by collateral lease agreement, characterized in that the page that can be viewed by interlocking files stored in another server operated by a third party. The method of claim 1, wherein the debtor or member Secures principals through collateral lease agreements that allow access to creditors' operating servers by desktop or laptop top computers, PDAs, and cellular phones Loan method you can do. The method of claim 1, wherein the Internet is Loan method that can secure the principle money by collateral lease, characterized in that the wired or wireless Internet. The method of claim 1, wherein the login step A prospective tenant who becomes a debtor accesses a server provided by a creditor through a web page, and a debtor who has already signed up for login enters his / her ID and password, and a debtor who has not yet registered If you enter information (resident number, address, occupation, salary, etc.) to be listed as a member, you can register as a member and log in. In the membership registration and login, the principal money is secured by collaborative lease agreement, which is characterized by using a certified authentication or a telephone (wireless (mobile) phone or a landline) for security verification. Loan method that can be secured. The method of claim 1, wherein the item is selected The items entered by the debtor for the loan contract are the type of loan, such as repayment of principal or payment of interest after payment of interest, the amount of the loan within the amount of the lease of the lease and the length of the loan within the tenancy period, and the information to be linked with the real estate server Location of housing, choice of co-tenant to select one creditor if there are multiple creditors, selection of loan principle or interest payment bank based on information linked with bank server, date of moving to receive loan from current residence Loan method that can secure the principal by collateral lease, characterized in that the selection of the moving center by the information linked to the moving server, the date to try to make a loan contract with the creditor. The method of claim 1, wherein the formatting is performed in the format output step. The above-mentioned main items or sub-items are input and the database data is input corresponding to each configuration field of the form, and the completed form is implemented in an output device such as a monitor, a reading window, or a printer. Loan method that can secure principle money with collateral lease. The method of claim 9, wherein the output form is A lease agreement in which the creditor and the debtor are joint tenants, or a monetary bond agreement between the creditor and the debtor, which is signed off or printed as an actual contract on-line connected to the Internet. A loan method that can secure the principal by collateral lease, characterized in that the contract is concluded on the (line). According to claim 2, wherein the bond amount notification step The server and database provided by the creditor or the bank notify the amount of the bond that each debtor should pay in a certain period of time.The principal and interest or interest amount are notified.In addition, when the contract expires and the deadline arrives, In the step of notifying, the loan is secured by the principle of the joint lease, which is characterized in that the notification is by SMS, e-mail or mail of a mobile phone. Way. The method of claim 2, wherein the non-payment notification step is The step of notifying the debtor when the amount of the bond has not been settled, wherein the notification is a collateral lease agreement secured by SMS, e-mail or mail. Loan method to secure the principle money. 13. The method of claim 12, wherein the notification is Loan method that can secure the principle money by collateral lease, characterized in that more than two times. The method of claim 2, wherein the highest step is A step for maximizing the recovery or litigation of a loan in the event that the principal or interest is not settled in spite of the notification of non-payment of the bond, the operation server of the creditor, the bank server of the bank, the operation database of the creditor or the bank of the bank A loan method that can secure the principle money by collateral lease agreement, characterized in that the data of the database is input corresponding to each configuration field of the longest form (form) and the completed long form is output. To operate the method of claim 1 or 2 An operation server arranged by a creditor; Bank servers for interest payments, etc .; A real estate server holding real estate information including a home; A moving server holding moving related information; Operational database prepared by the creditor; A bank database prepared by the bank; A real estate database containing real estate related information; Director database containing director information; Terminals with input devices, such as personal computers or PDAs owned by multiple debtors; An output device for outputting information of each server, database, and terminal; An internet network connecting the respective servers, databases, and terminals to each other; And An interface for allowing the respective servers, databases, and terminals connected by the Internet network to interwork or access each other; A system for operating a loan method that can secure the principal by collateral lease agreement, characterized in that consisting of. 16. The system of claim 15, wherein said system is The principal lease can be secured by collateral lease agreements, which further include a post office server and post office database that enables mail to be delivered, and a server and database of linked law firms to resolve legal issues. A system that operates a loan method. 17. The server of claim 16, wherein the server is Apparatus and program for operating management software for controlling access to all or part of a communication network to other computers on the communication network and to the resources (disk devices, files, printers, etc.) of the communication network. ) Uses Sun Ultra 60, Apache Web Server, Internet Information Server (IIS) for Windows NT, or Netscape's enterprise servers, and mainly IBM's OS / 390 and AS / 400 customers. IBM's Lotus Domino server is used to build server programs. The mail server is a sendmail server, qmail server, Exim server, or Microsoft's exchange server. System for operating a loan method that can secure the principle money by collateral lease agreement, characterized in that consisting of. The method of claim 16, wherein the database is Oracle, dBASE, DB2, Sybase, MSQL, mySQL, MSSQL, ODBC, Microsoft Access, MS Access, S A system for operating a loan method that can secure the principle money by collateral lease agreement, characterized in that the database is built using a database construction program such as SQL Server (SQL Server) or Infomix (Infomix). The method of claim 16, wherein the database is Database management using RDBMS, such as Microsoft Soft Access, Oracle-based RDBMS, or Ardent's UniData. And a loan method that secures principals by collateral lease agreements, characterized in that the database and the RDBMS are linked to each other as a standardized language corresponding to each other. 20. The method of claim 19, wherein the script server is configured to smoothly run a CGI (Common Gate Interface) for interfacing the RDBMS with the operation server, bank server, real estate server, moving server, post office server, and law office server. This script can be implemented by coding as Unix-like C language, Pearl language, JAVA or PHP language. Principle funds with collateral lease agreements, which can be operated by ASP (Active Sever Page) which is driven by Internet Information Server (IIS) of Windows NT. A system that operates a loan method to secure a loan. The method of claim 16, wherein the interface between each server and the debtor is It is possible to operate a loan method that secures the principle money by collateral lease agreements, which can be connected by a physical gateway (plug, LAN card or USB port, etc.) or API (Application Program Interface). system. In the loan using the Internet, A tenant (debtor) who wants to proceed with a housing lease contract uses the TCP-IP protocol according to the HTTP protocol to browse pages stored on an operation server prepared by a creditor with a joint tenant status. Accessing through an internet which is a communication network to be used; If you are an existing member, you will be logged in with your ID and password, and if you are a first time user, you will be logged in by entering information such as your social security number, address, occupation, and salary. Being logged in; Loan types, such as principal repayment after payment or principal interest payment after interest payment, loan amount within the amount of the lease of the lease and the length of the loan within the tenancy period, the location of the house to be rented based on information linked with the real estate server, and multiple creditors If there is one, select the co-tenant who selects one of the creditors, the loan principle or interest payment bank by information linked with the bank server, the date of moving to get a loan from the current place of residence, and the information linked with the moving server Selecting and inputting items necessary for a loan contract, such as a selection of a moving center by a date and a date of a loan contract with a creditor; Each data databased by the item selected in the above step is entered in each corresponding configuration field of the form, and the required contract form such as the completed lease contract and loan (credit debt) contract is displayed on the debtor's screen or externally. A format output step output through the output device; A contract making step of making a loan contract online by selecting the item of the above output step and the form and confirmation outputted by the selected data; Checking the principal or interest payment amount and the payment date of the debtor in the operation server prepared by the creditor and notifying the debtor of the bond amount by using a SMS or e-mail of a mobile phone; A deposit confirmation step of confirming whether or not the above-mentioned bond amount has been deposited in association with the bank server on a daily basis; If payment is not received in the above confirmation step, the US billing notification step of notifying the debtor of the payment using the SMS service or e-mail of the mobile phone; Checking whether or not the payment of the balance due to the above notification step is confirmed in connection with the bank server; If it is determined that payment has not been made at the stage of payment confirmation, the highest online retailer by SMS or e-mail including the details of the receivables and the payment deadline are specified. The highest level of automatic and off-line notification via the server; A final confirmation step of confirming in conjunction with the bank server whether the bond amount is settled by the highest of the above highest steps; And If it is judged that payment has not been made in the final confirmation step, the necessary documents such as the termination document for the collection of the security deposit secured for the settlement of the unsettled payment or the holding for the litigation (including the execution of the debt proceeding or the small case judgment). A document generation step that is sent to the law firm server to terminate the contract or request a lawsuit, or generated in writing by an external output device attached to the operation server; Loan method that can secure the principle money by collateral lease agreement, characterized in that consisting of and a system for operating the method. The method according to any one of claims 1 to 14, And the bank is a real creditor and the creditor is a manager authorized by the bank who is a real creditor. To operate the method of paragraph 23; An operation server prepared by an administrator; A bank server that is a creditor; A real estate server holding real estate information including a home; A moving server holding moving related information; An operational database prepared by the administrator; Bank database prepared by the creditor bank; A real estate database containing real estate related information; Director database containing director information; Terminals with input devices, such as personal computers or PDAs owned by multiple debtors; An output device for outputting information of each server, database, and terminal; An internet network connecting the respective servers, databases, and terminals to each other; And An interface for allowing the respective servers, databases, and terminals connected by the Internet network to interwork or access each other; A system for operating a loan method that can secure the principal by collateral lease agreement, characterized in that consisting of. 25. The system of claim 24, wherein said system is Principles can be secured by collateral lease agreements, which include post office servers and post office databases that enable mail to be delivered, and servers and databases of law firms linked to resolve legal issues. System for operating loan methods. In the loan using the Internet, The tenant (debtor) who wants to proceed with the housing lease contract uses the TCP-IP protocol according to the HTTP protocol to browse the pages stored in the operation server prepared by the manager with the joint tenant's status. Accessing through an internet which is a communication network to be used; If you are a member, log in with your ID and password. If you are a first-time user, enter your information such as your social security number, address, occupation, and salary. Becoming; Loan types, such as principal repayment after payment or principal interest payment after interest payment, loan amount within the amount of the lease of the lease and the length of the loan within the tenancy period, the location of the house to be rented based on information linked with the real estate server, and multiple creditors If there is one, the co-tenant chooses one of the creditors, the loan principal or interest-paying bank is selected by the information linked with the bank server, the date of moving to get the loan from the current place of residence, and the information linked with the moving server. Selecting and inputting items necessary for a loan contract, such as a selection of a moving center by a date and a date of a loan contract with a creditor; Each data databased by the item selected in the above step is entered into each corresponding configuration field of the form, and the required contract form such as the completed lease contract or loan contract is displayed on the debtor's screen. A format output step output through an external output device; A contract making step in which a loan contract is made online by the selection of the item of the above output step and the form and confirmation outputted by the selected data; Checking the principal or interest payment amount and the payment date of the debtor at the bank server prepared by the bank and notifying the debtor of the bond amount by using a SMS or e-mail of a mobile phone; A deposit confirmation step of confirming whether the above-mentioned bond amount is received by the bank server on a daily basis; If the payment is not received in the above confirmation step, a notification step of notifying the debtor by using the SMS or e-mail of the mobile phone for the payment; Checking whether the outstanding balance is settled by the bank server according to the above notification step; If it is judged that payment has not been made in the above verification step, the highest price including the details of the bond and the payment deadline are specified online via the SMS or e-mail, and through the post office server. The highest level of off-line written notice; A final confirmation step of checking at the bank server whether the amount of the bond has been settled by the highest of the above highest levels; If it is judged that payment has not been made in the final confirmation step, the necessary documents such as the termination document for the collection of the security deposit secured for the settlement of the unsettled payment or the holding for the litigation (including the execution of the debt proceeding or the small case judgment). A document generation step that is sent to the law firm server to terminate the contract or request a lawsuit, or generated in writing by an external output device attached to the bank server; Loan method and system for operating the method to secure the principle money by collateral lease, characterized in that consisting of.

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