KR20110123186A - Real estate investment managing system and method thereof - Google Patents
Real estate investment managing system and method thereof Download PDFInfo
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- KR20110123186A KR20110123186A KR1020100042684A KR20100042684A KR20110123186A KR 20110123186 A KR20110123186 A KR 20110123186A KR 1020100042684 A KR1020100042684 A KR 1020100042684A KR 20100042684 A KR20100042684 A KR 20100042684A KR 20110123186 A KR20110123186 A KR 20110123186A
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q50/00—Systems or methods specially adapted for specific business sectors, e.g. utilities or tourism
- G06Q50/10—Services
- G06Q50/16—Real estate
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/06—Asset management; Financial planning or analysis
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q50/00—Systems or methods specially adapted for specific business sectors, e.g. utilities or tourism
- G06Q50/10—Services
- G06Q50/16—Real estate
- G06Q50/163—Property management
Abstract
Description
The present invention relates to a real estate investment management system and method thereof, and in particular, to manage investment in real estate into investment right and residential beneficiary rights, to maximize the recyclability of the investment, even if the contract period or repurchase time does not match The present invention relates to a real estate investment management system and method for ensuring stable repurchase to reduce the burden on investors and increase reliability.
The high interest in real estate investment has led to the emergence of various network real estate investment services as the network develops. Such a network real estate investment service is typically a service that brokers real estate transactions by posting real estate transaction information or recruits real estate investors to invest in a specific real estate so that the real estate is disposed of to obtain dividends according to the investment. .
However, in the case of real estate transactions, since the buyer transfers the ownership of the real estate from the seller, the burden is excessive and there is no big attraction for the simple investment purpose. There is no distinction from ordinary investment financial products.
In addition, due to the economic recession, there is often a situation where high-quality real estate cannot be sold because there is no initial capital while predicting the possibility of investment in real estate. For example, large apartment complexes are attractive because of their good location and conditions, but are often unsold by unstable future uncertainties and high initial investment costs. This will lead to a deterioration in the management of most construction companies (enforcement companies) who raise funds for the construction of apartments from creditors, construct the apartments, repay the debts under the bonds, and then profit from the profits. It can also be a factor in the value of the apartment. In other words, even if the actual value or future prospect of the apartment is bright and the construction company's evaluation is good, the vicious cycle of deterioration of the apartment value and the construction company's management may be repeated by the economic environment.
On the other hand, if you intend to live in a real estate, you can get a certain period of possession of the property through a charter agreement, which incurs a considerable amount of cost, but it is used entirely for the cost of occupancy. The housing is unstable due to the increased burden of rent and the burden of moving after the contract period.
As a result, it is necessary to activate investment by reducing the burden on real estate investment, thereby increasing the soundness of the real estate market and presenting satisfactory alternatives for consumers for actual residence.
1 is an example of a conventional real estate decentralized investment system, as shown in the trust company (2) transfers and manages the ownership of the real estate (1), and in connection with the trust company (2) stake in the real estate to the investor (4) It is composed of a real estate manager (3) that sells and sells the real estate at a certain point and divides the shares. The
In the case of distributing profit after developing real estate by recruiting investors based on the information on developed real estate, investment is made based on the pre-development forecast, so the risk is high. Investing is not attractive because investors do not have a choice of investment targets.
In addition, when dividing real estate shares according to investment, it is not easy to recruit investors because the registration process such as ownership transfer according to real estate related laws is complicated and expensive, and the actual profit is not big and complex problems such as ownership disputes are likely to occur.
On the other hand, such real estate investment is simply about investors based on the share of the real estate, and there is no consideration of the actual buyer or the buyer who wants to live in the real estate. There is no obvious alternative other than through the method. In addition, when the stake is divided, a situation arises in which the object of dealing with a consumer who wants to live is ambiguous and the consumer who wants to occupy the real estate is rejected.
As a result, a new type of real estate investment method is required considering the realization of real estate investment, reliability and convenience to activate real estate investment, as well as the reliability, stability and profitability of real consumers who want to occupy real estate. Through this, the necessity of securing the soundness of the real estate market is increasing by stimulating investment in real estate and rapid move-in of users.
The purpose of the embodiments of the present invention for improving the above-mentioned problems is to solve the problems caused by the management and ownership of real estate ownership, separate the investors into investment beneficiary investors and residential beneficiary investors, and the difference in the point of repurchase It is to provide a real estate investment management system and method that can effectively manage the flow of unrealized profit distribution in accordance with the present invention, thereby improving satisfaction and reliability for investors of various purposes.
Another object of the embodiments of the present invention is to provide a real estate investor with an account that can confirm the investment status and the expected dividend amount, and to enable various transactions based on the balance of the account, thereby increasing the reliability of the investor and providing transparent management of the redemption amount. It is to provide a real estate investment management system and method to make it possible.
Another object of the embodiments of the present invention is to provide a real estate investment management system and method by which an operator of a real estate investment management system maintains real estate ownership and provides investors with rights of interest to reduce the complexity and the possibility of disputes due to division of ownership. will be.
Another object of the embodiments of the present invention is to manage the investment of the investor through the account, and to issue and manage alternative currency through the balance and the investor's creditworthiness to enable the investor to recycle the investment, and the unrealized profit by the difference in the redemption point. It is to provide a real estate investment management system and method by which the difference in distribution can be provided through alternative currency, which greatly increases the reliability of dividend payments to redeeming investors.
Another object of the embodiments of the present invention is to increase the reliability of the balance of the investor through the account and the reliability of the unrealized dividend payment through the alternative currency, and to diversify the contract period according to the difference in the investment purpose of the beneficiary investor and the residential beneficiary investor. It is to provide a real estate investment management system and method to respond.
Another object of the embodiments of the present invention is to grasp the balance of the account and the creditworthiness of the investor so as to issue a viable alternative currency corresponding to the balance, and through the transfer or balance between credit accounts using the balance. It is to provide a real estate investment management system and method that enables the reinvestment of other real estate to effectively utilize investments and dividends.
Still another object of the embodiments of the present invention is to partially depreciate the value of the alternative currency, which is not used at regular intervals, in order to induce the use and distribution of the alternative currency. To provide a real estate investment management system and method that reduces the need for payment reserves under alternative currencies.
In order to achieve the above object, the real estate investment management system according to an embodiment of the present invention is a real estate investment management system for real estate owners to provide beneficiary rights to investors, which is divided into residential beneficiary right investors according to the investment information provided. An investment management unit for generating contract information on the ownership rights and the first dividend rate of the investor, generating contract information on the second dividend rate of the investor divided into beneficiary rights investors for investment, and managing repurchase or extension upon termination of the contract; Create a credit account according to the investor's investment information provided through the investment management unit to provide credit balance information reflecting the real estate value obtained on the basis of external real estate quote information, and the investor's credit for the real estate in response to the repurchase request of the investment management department A credit management unit for calculating an account; Issuing an alternative currency based on the credit account balance of the credit management unit, and comprises an alternative currency management unit for managing the use and recovery of the alternative currency.
The real estate investment management system according to another embodiment of the present invention performs a dividend according to the change in the value of the real estate based on the investment contract information on self-owned real estate divided into residential beneficiary investors and investment beneficiary investors, and the residential beneficiary investors A real estate investment management system that provides a title to an investor, which generates the contract information of the investor, manages the beneficiary accordingly, adds a portion of the dividend of the residential beneficiary investor to the concession share, adds it to the dividend of the beneficiary investor, and repurchases it upon repurchase. An investment management unit that pays dividends in consideration of concession shares; An alternative currency management unit for issuing alternative currencies that can be actually used; Credit to create a credit account corresponding to the investment according to the contract information provided through the investment management section, dividends according to the contract at the time of repurchase, and request for issuance of alternative currency through the alternative currency management section with the balance of the credit account Including the management unit.
The real estate investment management method according to another embodiment of the present invention is an investment management method using a real estate investment management system in which a real estate owner provides a beneficiary right to an investor. The investment management unit receives and manages investment information provided from the outside. A contract step of generating contract information about the occupancy rights and the first dividend rate of an investor classified as a residential beneficiary investor and generating contract information about the second dividend rate of the investor classified as an investment beneficiary investor; A credit account providing step of opening a credit account through a credit management unit that creates a credit account according to the investment information of the investor provided through the investment management unit and providing credit balance information reflecting real estate value obtained based on external real estate market price information; A repurchase step in which the investment manager renews the contract for repurchase or extension at the investor's request upon expiration of the contract period and, accordingly, the credit manager settles all the investor's credit accounts for the property; In the repurchase step, if the profit is not realized in the real estate, an alternative currency issuing step may be made to issue the cash shortage of the credit account settlement as an alternative currency with the credit balance of the investor under contract.
The real estate investment management system and method according to the embodiment of the present invention solves the problems of real estate ownership management and equity splitting, manages the investor separately from the beneficiary investor and the residential beneficiary investor, and also the difference in the redemption timing. By effectively managing the capital flows of unrealized revenue distribution, it is possible to increase the satisfaction of investors for various purposes and to increase the reliability of the capital flows for operation, thereby stimulating real estate investment.
The real estate investment management system and method according to the embodiment of the present invention provides a real estate investor with an account that can confirm the investment status and the expected dividend amount, and allows various transactions to be made based on the balance of the account, thereby making investor convenience and reliability reliable. It is possible to increase the amount of money and transparently manage the redemption amount.
The real estate investment management system and method according to the embodiment of the present invention allows the operator of the real estate investment management system to maintain real estate ownership and provide investors with a right of interest, thereby reducing the complexity and the possibility of disputes due to the division of ownership, thereby increasing investment convenience and providing for residents. There is an effect that can increase the reliability.
The real estate investment management system and method according to the embodiment of the present invention enable investment recycling of investors by issuing and operating an alternative currency through the corresponding balance along with managing the investment of the investor through the account, and distributing the unrealized profit by the difference in the redemption point. By providing the difference in the amount of money through alternative currency, the reliability of dividend payments to repurchase investors can be greatly increased, thereby increasing the reliability and investment stability of the investment system and the operator.
The real estate investment management system and method according to the embodiment of the present invention improves the reliability of the balance management of investors through the account and the unrealized dividend payment through the alternative currency, and the contract according to the investment purpose difference between the beneficiary investor and the residential beneficiary investor. By being able to cope with the diversification of periods, it is possible to satisfy all investors with different purposes.
Real estate investment management system and method according to an embodiment of the present invention is to grasp the balance of the account and the creditworthiness of the investor to issue a real-use alternative currency corresponding to the balance, transfer between credit accounts using the balance In addition, it is possible to make the most of investments and dividends by reinvesting other real estate through the balance.
The real estate investment management system and method according to the embodiment of the present invention partially loses the value of the unused alternative currency at regular intervals in order to induce the use and active circulation of the alternative currency, thereby making the preferential use of the alternative currency or re-input into the account. By reducing the need for payment reserves due to excessive unused alternative currencies, the burden on the operator can be reduced and the alternative currency circulation can be activated.
1 is a conceptual diagram showing the concept of a conventional real estate investment system.
Figure 2 is an investment system configuration applied real estate investment system according to an embodiment of the present invention.
3 is a conceptual diagram illustrating a basic operation method of the real estate investment system according to an embodiment of the present invention.
4 is a conceptual diagram illustrating an unrealized profit compensation scheme of a real estate investment system according to an embodiment of the present invention.
5 is a system configuration example according to an embodiment of the present invention.
Figure 6 is a block diagram of the investment management unit according to an embodiment of the present invention.
7 is a block diagram of a credit management unit according to an embodiment of the present invention.
8 is a block diagram of an alternative money management unit according to an embodiment of the present invention.
Figure 9 is a block diagram of a credit loan management unit according to an embodiment of the present invention.
10 is a conceptual diagram showing an example of revenue certificate trading according to an embodiment of the present invention.
11 is a conceptual diagram showing an example of the operation of the alternative currency management unit according to an embodiment of the present invention.
12 is a distributed configuration diagram of a real estate investment system according to an embodiment of the present invention.
13 is a flow chart illustrating a real estate investment process according to an embodiment of the present invention.
BRIEF DESCRIPTION OF THE DRAWINGS The above and other objects, features and advantages of the invention will become more apparent from the following detailed description of the present invention when taken in conjunction with the accompanying drawings.
The present invention is ready to implement the registration and registration number 10-0851031, 'method of providing network real estate transaction service through real estate trust' and registration number 10-0864603 'real estate transaction system and method through real estate trust' It should be noted that the present applicant has ameliorated the problem of the registered patents by adding new components. The contents of existing registered patents are divided into an investment stake and a residential stake, and the investor has ownership of the real estate corresponding to the stake. Investors with stakes in investments and residential shares are required to buy back the shares, including dividends, so that the stakes can be bought and sold, allowing investors to make small investments in certain real estate, while residential equity investors have low prices. Its main purpose is to be able to have a stake in and ownership of.
However, the present invention solves the issue of ownership splitting due to the split of shares, and the contract and trading complexities due to the registration of ownership, and prefers a different contract period according to the investment purpose, and repurchases investors when the redemption point and the real estate disposition point are different. It solves the problems of the registered patents by applying a new method to improve the investment management stability by solving the funding problem according to the prepayment, which should provide the unrealized profit to them in advance. In addition, a new scheme is proposed to enable various uses of investment funds. Thus, the registered patents may be related as a reference to the background of the present invention.
2 is an investment system configuration to which a real estate investment management system according to an embodiment of the present invention is applied, and is self-owned in connection with a
The real estate
On the other hand, the real estate
The real estate
As shown in the example, the
That is, the
On the other hand, the investor's investment is managed by a credit account through the
The real estate
There was no direct link between alternative currency and real estate investment, so there was no example to combine them. However, in the present invention, the alternative currency is actively utilized for the shortage of redemption costs for unrealized profits generated during real estate investment management and the recycling of investors' investment. This ensures that the real estate investment management's fund management stability is extremely high and that the investor's investment potential is greatly increased.
3 is a conceptual diagram illustrating a basic operation of the real estate investment management system according to an embodiment of the present invention. In the example shown, the concession share is assumed to be 15%.
As shown, if the
Of course, there should be practical considerations for fees (investment management, trust fees), occupants' fees (administrative fees, registration fees, property taxes, etc.), and for changes in value for sale (eg 95% application of real estate prices). This may vary when the actual service is provided, and the application of some of them is self-explanatory and thus will be omitted for clarity. On the other hand, no interest occurs on the credit account.
As shown in the conceptual diagram, the investment and dividend payment for the repurchase of beneficiary rights after the contract period expires are numerically clear. However, this is only possible if the property is disposed of after the expiration of the contract to distribute the benefits.
If some of the investors require an extension of the contract instead of repurchase after expiration of the contract, the real estate cannot be disposed of, so the profit generated after the disposal becomes a potential factor and the profit cannot be obtained in cash at that time. However, investors who have repurchased at that time must pay dividends due to repurchase, so the real estate investment management system operator must pay dividends first and then recover the cost of disposing of the property. This is a huge burden if demand for repurchases is concentrated at the time of the contract, and the recovery of the prepaid funds is several years later due to the extension of the contract, which not only increases the financial pressure, but also a loss of interest income on the prepaid funds. Will occur.
This is because most investment beneficiary investors prefer short-term investments of two to three years, while residential beneficiary investors prefer stable housing rights through long-term possession of two to five years. . In addition, the residential beneficiary investor has one of the main objectives, and if the condition is that the property is sold unconditionally after a certain contract period, the attractiveness of the investment will be greatly reduced. Therefore, the extension contract must be allowed to be extended if necessary. This will be longer.
4 is a conceptual diagram illustrating a method of operating a real estate investment management system according to an exemplary embodiment of the present invention, which illustrates a method of solving a problem due to unrealized profit dividend through an alternative currency management unit and reusing investment. The background of the above description is assumed to be 15% of concession shares as shown in FIG.
First, the
The real estate
Since the unrealized profit is substantially 15% of the
The amount corresponding to the
In this case, the
If the real estate value is increased afterwards, the real estate
Meanwhile, the
Extending this concept, a real estate investment management system managed by a manager, the owner of a property, creates and holds a credit limit for a percentage of each investor's investment (credit balance) (for example, 70-80%). Based on the credit limit created above, the investor may pay a certain percentage (for example, 5%) of fees within the range and issue or use an alternative currency to borrow or use for credit. For example, the amount borrowed through the credit loan can be invested in other real estate through the real estate
If you use the credit loan as described above, there is no additional fee except for the issuance fee (for example, 5%). Through this, the investors can use some of their investments for other purposes even during the contract period, thereby enabling flexible management of the investment. In other words, it is possible to greatly increase the attractiveness of investments because it is possible to use the investments with a one-time fee as compared to loans secured by investments.
On the other hand, the real estate investment management system may further require a process of verifying the credit rating of the investor in order to create a credit limit of the investor. For example, if the security assets are secured in advance, such as borrowing from banknotes as collateral for the beneficiary rights, it may be impossible or limited to issue duplicate alternative currencies, reinvest real estate or loan between accounts. The investor credit check may be processed by the credit management department by exchanging information with an external credit bureau server, and may be performed when the transaction is requested.
The credit loan corresponds to the loan of funds to the investor, which can be operated for the duration of the contract, by being invested by the real estate owner, a real estate investment management system manager, in exchange for providing a share right or profit dividend of the owned property according to the contract. This credit loan is newly applied to the real estate investment management system according to the present embodiment. Since the real estate investment management system manager is the owner of the real estate, the credit loan is charged at the request of the investor. It will be possible to have a stable operating structure through operating profit while maximizing the possibility of recycling the investment.
5 to 8 show a more detailed configuration of the real estate
As shown, the real estate
In addition, the
As described above, the real estate
The
7 illustrates an example of the configuration of the
If necessary, the credit limit for a part of the credit balance may be generated based on the credit balance of the investor through the credit balance, and the loan may be made based on the credit limit, thereby investing new real estate through the investment management unit. Alternatively, they may issue alternative currencies, lend using accounts, and conduct account transactions.
For example, the
When the settlement unit 124 needs to settle an investor's account, such as a redemption or a sale, the settlement unit 124 repays the loan loan in cash, account transfer, alternative currency, etc., or pays the loan loan. The account is settled with the balance deducted (ie offset). Of course, some may be repaid and some may be deducted, and the settlement (payment, deduction, etc.) may also be made in consideration of operating fees, administrative fees, trust fees, etc. incurred during settlement for repurchase or sale.
FIG. 8 illustrates an alternative
The
On the other hand, merchants that can use the alternative currency can be registered by simply opening an account with the credit management unit, and the cost is deposited into the account by providing the serial number or the like directly with the used alternative currency. . The alternative currency and cash preferably have a 1: 1 exchange rate.
The investment management unit, credit management unit, and alternative currency management unit of the real estate
In addition, FIG. 9 is an example of the credit
The illustrated credit
First, as shown in the figure, the credit rating of the investor who applied for the loan is checked by a credit rating agency or the like to evaluate the suitability of a predetermined level of credit, and then a suitable investor credits a portion of the credit balance (for example, 70 to 80%). Credit
The credit
On the other hand, the credit
10 is an example for explaining a trading method of investment rights for investment through the investment management unit of the real estate investment management system according to an embodiment of the present invention, the investment management unit may selectively accept the corresponding function.
The illustrated
Thus, investment beneficiary investors may sell or buy all or part of the beneficiary certificates before the end of the contract period, in which the costs of trading are different from the deeds or balances corresponding to the face value, depending on the value of the relevant deed. You may. The trading market for such an investment may be separately configured and linked with the
Meanwhile, the
In addition, since the occupancy contract recognizes the occupancy and use of the real estate to the
11 is for explaining the operation of the alternative currency management unit according to an embodiment of the present invention, the part about the general merchant management or alternative currency related utilization other than the configuration necessary for the real estate investment management system is independent as a professional alternative currency system It may also be linked to the alternative
The alternative
Meanwhile, the alternative
In the case of such alternative currency, the delay in use may increase the burden on the real estate investment management system in which provision of payments is required, and it is preferable to activate the circulation of the alternative currency to maintain its value, according to an embodiment of the present invention.
12 is a distributed configuration of the real estate investment management system according to an embodiment of the present invention. The illustrated configuration is a
The
In addition, the mobile communication terminal (smartphone, mobile phone, PD, netbook, notebook, tablet, mobile PC, pad-type terminal, etc.) that can access the real estate investment management system as a part of the local network configuration further includes This can be done via an Internet security connection or a dedicated application (aka mobile app), which can also be configured to allow managers and investors of real estate investment management systems to access mobile terminals in different modes. Can be. Through the use of such mobile terminals, it is possible to determine the value of real time deeds, check the balance of credit accounts, trade, request for loans, use loans, and register and use alternative currencies.
FIG. 13 is a flowchart illustrating an example of a method for managing a real estate investment according to an embodiment of the present invention, in which a real estate investment management system operator who owns a real estate, as shown, trusts a real estate investment right in a trust system to issue a certificate of profit (S10). Subsequently, the investment management unit receives investment information from a fixed ratio of residential beneficiary investors and an arbitrary ratio of investment beneficiary investors in accordance with a predetermined contract form to generate investment contract information. This may be done simultaneously or sequentially (S20).
On the basis of the investment information generated by the investment management unit, the credit management unit opens a credit account accordingly, and the investment management unit provides a profit certificate to each investor through the trust system and generates and updates the beneficiary right information (S30). .
If a sale or purchase of the deed of interest occurs during the contract period, the investment management unit receives new investment information for the distribution of securities, renews the investment contract (S45), and renews the deed and credit account accordingly (S30). Specific implementation of the securities distribution process may be carried out by the investment management department, or may be conducted through a specialized securities distribution system, and if necessary, issue fees, expenses, and loans for credit accounts corresponding to the sales income certificate. Including settlement process may be carried out.
When the investment management unit receives an investor's request (S50) to utilize a part of the investment amount during the contract period, the investment management unit requests the credit management to create a credit limit through credit and credit account balance, and the alternative currency management unit The loan issuing an alternative currency (gift certificate) to the requested amount within the credit limit (S60). The issued alternative currency may be used at a merchant or used to use various affiliate services, and may be distributed in various ways such as gift or delivery (S70). During this distribution, the alternative currency may be deposited into the credit account of the investor or another investor who has requested to be issued again, and cash may be deposited into the credit account instead of the alternative currency. Although not shown, it is also possible to issue a credit loan (fee incurred) within the credit limit, and the loan can be directly used for real estate investment, cash exchange (fee) or traded between accounts.
When the expiration of the contract expires (S80), the investors may request the repurchase or extension of the policy, and in some cases, the contract may expire only for some investors due to different contract terms. .
The investment management unit provides the repurchase information according to the maturity to the credit management unit to settle the investor's credit account for the corresponding real estate (S90). This settlement process may include investment and dividend payments on repurchases, the processing of concession shares under a dividend agreement, the processing of other fees or expenses, and the offsetting of loans or alternative currency loans borrowed within credit limits. . If necessary, depending on the redemption, the relevant deed may be sold to other investors to raise the redemption amount.
In this case, as described above, if the investment beneficiary investor requests a redemption and the residential beneficiary investor is under contract, part of the redemption amount of the investment beneficiary investor may be replaced by an alternative issuable amount by the unrealization of concessions. have.
After completing the repurchase, the investor may issue and use the balance of the credit account as an alternative currency through the alternative currency management department, and if there is a monetary amount in the credit account balance, the amount may be issued and used as an alternative currency ( S100). The alternative currency issued in this way can be used in various merchants, etc. (S110), the credit account balance can be withdrawn as necessary to clear the account (S120).
In the above described and illustrated with respect to preferred embodiments according to the present invention. However, the present invention is not limited to the above-described embodiment, and various modifications can be made by those skilled in the art without departing from the gist of the present invention attached to the claims. .
10: real estate 20: trust system
100: real estate investment management system 110: investment management
120: credit management unit 130: alternative money management unit
150: credit account 160: alternative currency
210: Beneficiary Investor 220: Residential Beneficiary Investor
Claims (18)
Generate contract information on the occupancy rights and first dividends of investors classified as residential beneficiary investors according to the investment information provided, and generate contract information on the second dividend rate of investors classified as investment beneficiary investors. An investment management unit that manages repurchase or extension;
Create a credit account according to the investor's investment information provided through the investment management unit to provide credit balance information reflecting the real estate value obtained on the basis of external real estate quote information, and the investor's credit for the real estate in response to the repurchase request of the investment management department A credit management unit for calculating an account;
Issuing an alternative currency based on the credit account balance of the credit management unit, Real estate investment management system comprising an alternative currency management unit for managing the use and recovery of the alternative currency.
An issuing unit for issuing an alternative currency for the credit account balance at a differential fee by using the credit account balance information of the credit management unit and the repurchase information of the investment management unit;
A cash exchange unit for generating a predetermined fee and refunding the alternative currency in cash;
The real estate investment management system, characterized in that it further comprises a recovery unit that pays for the alternative currency used in the merchant or receives the alternative currency and accumulate the credit account balance.
The investment management department which generates the contract information of the investor, manages the beneficiary accordingly, regards some of the dividend of the residential beneficiary investor as a concession share, adds to the dividend of the beneficiary beneficiary investor, and divides the concession share in consideration of the repurchase. Wow;
An alternative currency management unit for issuing alternative currencies that can be actually used;
Create a credit account corresponding to the investment according to the contract information provided through the investment management section, dividends according to the contract at the time of repurchase, and request issuance of an alternative currency through the alternative currency management unit during the contract with the balance of the credit account as collateral Real estate investment management system comprising a credit management unit.
Contract information on the second dividend rate of an investor divided into investment beneficiary investors by generating contract information on the share of the investor and the first dividend divided into residential beneficiary investors through the investment management unit that receives and manages externally provided investment information. A contract step of generating a;
A credit account providing step of opening a credit account through a credit management unit that creates a credit account according to the investment information of the investor provided through the investment management unit and providing credit balance information reflecting real estate value obtained based on external real estate market price information;
A repurchase step in which the investment manager renews the contract for repurchase or extension at the investor's request upon expiration of the contract period and, accordingly, the credit manager settles all the investor's credit accounts for the property;
And an alternative currency issuing step for enabling the issue of cash shortages in the settlement of the credit account to be issued in the alternative currency with collateral for the credit balance of the investor who is contracting when the profits due to the real estate are not realized in the repurchase step. How to manage your investment.
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PCT/KR2010/003849 WO2011139001A1 (en) | 2010-05-06 | 2010-06-15 | Real estate investment management system and method |
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Cited By (4)
Publication number | Priority date | Publication date | Assignee | Title |
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WO2016094563A1 (en) * | 2014-12-09 | 2016-06-16 | Mastercard International Incorporated | Systems and methods for determining a value of commercial real estate |
KR20180020933A (en) * | 2017-10-19 | 2018-02-28 | 유영근 | Issuing method of virtual money based on credit card receivables and Issuing apparatus of virtual money based on credit card receivables |
KR20200093780A (en) | 2019-01-29 | 2020-08-06 | 주식회사 하나은행 | System and method for investment in real estate based on block chain |
KR20210062858A (en) * | 2019-11-22 | 2021-06-01 | 에이치엔아이엔씨 (주) | Real estate investment brokerage processing server based on security token and operating method thereof |
Family Cites Families (4)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
KR20030025593A (en) * | 2001-09-21 | 2003-03-29 | 주식회사 부동산닷컴 | System and method for indirect investment management of real estate |
KR100887555B1 (en) * | 2005-07-07 | 2009-03-11 | 남기원 | System for selling a immovable property goods piece by piece and processing method of the same |
KR20090068091A (en) * | 2007-12-21 | 2009-06-25 | 윤현진 | Real estate transaction system using real estate securities and method thereof |
KR20090081573A (en) * | 2008-01-24 | 2009-07-29 | 윤현진 | Network Real Estate Transaction Method Using Real Estate Securities |
-
2010
- 2010-05-06 KR KR1020100042684A patent/KR20110123186A/en not_active Application Discontinuation
- 2010-06-15 WO PCT/KR2010/003849 patent/WO2011139001A1/en active Application Filing
Cited By (4)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
WO2016094563A1 (en) * | 2014-12-09 | 2016-06-16 | Mastercard International Incorporated | Systems and methods for determining a value of commercial real estate |
KR20180020933A (en) * | 2017-10-19 | 2018-02-28 | 유영근 | Issuing method of virtual money based on credit card receivables and Issuing apparatus of virtual money based on credit card receivables |
KR20200093780A (en) | 2019-01-29 | 2020-08-06 | 주식회사 하나은행 | System and method for investment in real estate based on block chain |
KR20210062858A (en) * | 2019-11-22 | 2021-06-01 | 에이치엔아이엔씨 (주) | Real estate investment brokerage processing server based on security token and operating method thereof |
Also Published As
Publication number | Publication date |
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WO2011139001A1 (en) | 2011-11-10 |
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