KR20150107542A - Rent Bond Issue - Google Patents

Abstract

The present invention has a purpose of providing a financial service in a method such that: in the immovable market in Korea which has a trend of changing from conventional lease type on a deposit basis into a lease type of monthly rent basis in accordance with economical change, a method to return the security money of a tenant and a fund to convert the security on a deposit basis into a monthly rent basis is provided to a lessor by issuing a securities fund bond through a <b>SPC (Securities Purchasing Company)</b> for a lessor who exhausted the security money (a lease fund received from a tenant); a lease fund is protected through a new type of a lease/rental contract which allows a tenant to purchase a leasehold bond or to be returned with an investment trust money or a security money refund; and the issuance of a leasehold bond by a tenant who has difficulties in converting from a lease on deposit basis into a rent basis with a keynote of a virtuous circulation in accordance with the trend of converting into today′s monthly rent era can be supported and the sharp rise in security money (a lease fund) can be radically prevented by selecting from the purchase of a leasehold bond or a payment in cash and stabilization of lease/rental contract can be secured by suggesting a method of allowing a tenant to select a housing appropriate for the tenant′s financial condition (bond price backed issuance monthly rent).

Description

Rent bond transfer to support monthly rent conversion [Rent Bond Issue]

The present invention relates to a method of providing a financial service, in which a housing rental deposit (charter capital) is issued after a bond is issued, the rental deposit is returned to the tenant, and the rent is converted into a monthly rent, And it is a plan to utilize the charter capitalization to be used in.

The guarantee bond issuance is guaranteed by the credit guarantee company, and the guarantee guarantee is collateralized by the monthly rent sales {ABS} collateral security, in which the cash flow occurs due to the conversion of the monthly rent.

SPC (Special Purpose Company) reclaims landlords who want to convert to monthly rent, issues chartered guarantee bonds guaranteed by a credit guarantee institution, and pays cash to the lessee by selling to existing banks, To the landlord, and the interest is paid to the bank.

In addition, the interest payment of the bonds issued at this time shall be covered by the monthly rent arising from the tenant.

The rise in house prices has the effect of raising the selling price, but when the housing price declines, the sale price will not rise.

Instead of buying a house that does not climb, it is preferable to rent a house with the lowest financial cost.

Therefore, it is necessary to smoothly convert the premises to monthly rent so that the sale is activated. If the charter disappears during the sale, lease, or lease, it will not be able to return to the market with relatively low financial costs.

The reason why the landlord continues to raise the premises is because there is no deposit that can not be returned to the rent, or because the existing house is not traded and is used to return the loan.

The transition to monthly rent, with the exception of a minimum amount of deposit, will replace the chartering function and help stabilize and activate house prices. In addition, the reason for the strengthening of the lease is that there is still a lot of demand for the residence. This is because most of the houses are owned by investors and multi-lenders. If the liquidity supply is cut off by the DTI, etc., those who supply the rental housing will lose the netting ability and the selling price will decrease.

As a result, the landlords prefer renting and the rental volume has been greatly reduced. Nevertheless, the landlords who can not dispose of the houses of filtration still have to compete with the premises, And developed the technology to make soft landing from lease to monthly rent with this invention which is less burdensome to the tenant.

Therefore, the present invention aims at soft landing and landing in order to reshape the rental market with a minimum of side effects when switching from lease to monthly rent.

Currently, the policies and patents related to the rental deposit are limited to the right of deposit and the failure to return or return the right money,

The main measures were to protect the landlord 's mortgage or to protect the lending of the lien and to protect the rights of the tenant by internet or network.

In the case of a system deposit of a substantial protection device against lease deposit of tenants, such as periodic deposits and minus lendings, which are secured by the deposit guarantee, patents that can be made when the deposit exists exist.

Or real estate transaction method between the landlord and the tenant regarding the method of providing the financial service for the payment and management of the deposit, or the method of the real estate transaction through the securitization of the real property, There is also a patent on how to provide.

All the technical details of the leaseholder and tenant's lease deposits described in government policies and all patents, including the above, were countermeasures or patents created solely on the linkage between the preservation of existing lease deposits and the tenant's rights.

However, the current situation is that most of the rental money received by the landlord as a tenant purchases another property or is reinvested in another property, and the current long-term depreciation of the property has eroded the deposit.

Therefore, various financial services such as the analysis of the rights to the encrusted security deposit, the system sharing or management linked with the leaseholder, or the securitization of the real property are inevitable measures.

Therefore, the present invention intends to realize realistic countermeasures and systems for the current rental deposit as follows.

The characteristic feature of the present invention is to provide rental bonds (charter funds) to existing or new landlords who want to convert the premises into monthly rent, thereby attracting the deposit of more than 300 trillion to the economy market, thereby stabilizing the real estate market, It is a product type that can create a new economic paradigm and meet the creative economy.

The issuance of rental deposit bonds at the time of depreciation of real estate is made by issuing bonds for the landlord who has incarcerated the deposit, and by using the cash, the tenant's deposit is returned to the rent at the same time as the rent, so that the depreciation of the building or the downward stiffness And gently raising the rent, which surges rapidly, by monthly rent.

Guarantee guarantees are issued by the credit guarantee company when issuing the bonds, and guarantee guarantees are secured against the monthly rent sales {ABS} collateral security, which generates cash flow as a result of monthly conversion.

In addition, the interest payment of the bondholders issued at this time shall be covered by the monthly rent arising from the tenant. If the landlord receives a monthly payment of 5% of the bondholder, 2% will be paid by the bank, 1% by the intermediary solicitor (SPC), and the remaining 2% by the landlord's commission.

The SPC (Special Purpose Company) recruited landlords who wanted to convert to monthly rent, issued a guarantee bond guaranteed by a credit guarantee institution, sold cash to the existing bank, paid the landlord and bought the bonds. The interest rate To the landlord and pay the interest to the bank

In addition, when the tenant takes over the lease, the landlord pays the interest rate of 1%, which can alleviate the problem of the sudden change of the rent.

The SPC provides the two functions of renting or transferring property to the economy market, resulting in a certain amount of cash flow.

Monthly Transition: Constant Monthly Cash Flow → ABS Issuance

Conversion of transferable bonds: Provide safe fees (10%) for large companies and SMEs (sale of bonds and maturity bonds discount).

In the case of SPC (80), households that regularly receive monthly rent (90) can issue bonds (60) with ABS and sell them overseas (domestic banks and overseas banks).

In addition, SPC (80) can acquire and transfer discounted bonds with a discount fee from financial institutions (110) and investors (130) (sale of bonds and discounts on maturity bonds).

In addition, the existing investment trust receivables receive the interest rate from the large enterprises and small and medium enterprises that have obtained government support qualification, and transfer the bonds to present them to the banks for cash support. At this time, the credit guarantee institution will issue a guarantee bond with government guarantee.

Bond period: The existing lease period is two years or new year is four years.

House Poor also prevents falling house prices by applying the same.

The future maturity bonds will be returned to the landlord by buying from the bank every two years,

Every five years, every two years, the maximum is extended by 10 years. At this time, SPC (80) performs agency service.

Accordingly, the present invention can prevent a vicious cycle from falling house prices and building depreciation by making it difficult for the landlord to switch from the existing lease deposit to the rent, and securing the profitability of the rent conversion. The purpose of this study is to prevent the effect of radical leap in the lease by inducing the settlement of the lease market in the lease market.

In addition, the new lease issuance system improves the stability of the lease market, prevents market leakage, prevents foul income, and improves the mutual trust process for leaseholders participating in the new lease market. It has its purpose.

Banks can make loans as much as existing or new charter funds, and they can provide favorable conditions for both the landlord and tenant.

It is possible to issue chartered funds by region, and it can be used as financial support for the upbringing of large corporations and SMEs, and as capital for issuing corporate bonds. Thus, by maintaining a 10% interest rate, you can replace the lender function

It can be applied to the repayment of the house loan of the existing house, and it can be repaid and the rent can be maintained as a rent after selling bonds by issuing the difference

The bond deposit purchased by the bank is repatriated to the large corporations, small and medium enterprises, house paul, and self-employed who have difficulties in financing with the 10% bond price, and the money is returned and the money of the lender And to act as a competitive fund to replace it.

The landlord will raise funds by issuing bonds that have been exhausted due to falling house prices, receive rent payment funds with the cost of maintaining the depreciated property and added value

The tenant is able to contribute to the domestic economy and the real economy by stabilizing the rent of the lease and the stabilization of the rent due to the transition to the monthly rent with less burden due to the receipt of the bonds. Lt; / RTI &gt;

Advertisement step for recruitment of landlords who want SPC company to issue bond security bonds

The step of returning the sale or rental deposit to the bond tenant

Process of Issuance of Receivable through Loan Guarantee Support by SPC Company

When the above SPC company issues bonds with guarantees of monthly guarantees, it bonds with creditors and banks

All the previous month's transactions are purchased by each bond issuance amount unit (UNIT) at the time of new entry, and collecting information of guaranteed party lease or lease transaction information. (1 UNIT: 100 million won)

The transaction is transparent and transparent at the time of tax collection.

Steps to recruit investors with welfare resources and investment funds

Steps to attract investment by selling overseas products

Steps to build up a new economic vitality by securitizing, functionalizing, and securitizing the total charter capital of 500 trillion won

Make money as much as a chartered fund (300 trillion won) Make money

Banks can make loans as much as rent funds, and they can offer favorable conditions for both landlords and tenants.

It is possible to issue chartered funds by region, and it can be used as financial support for the upbringing of large corporations and SMEs, and as capital for issuing corporate bonds.

(You can replace the lender function by maintaining a 10% interest rate)

It can be applied to house loan repayment of existing house pawn. It is possible to repay the loan after selling bonds by issuing bonds as much as the difference of their loans, and it is possible to maintain them as monthly rent.

The bond deposit purchased by the bank is transferred to a large corporation, a small business, a house purse, and a self-employed person who have difficulties in financing as a 10% bond value, and the money is returned and the money of the lender And to function as a competitive fund to replace it.

The landlord will be able to raise rent by paying the existing lease bond that has been exhausted due to the fall of the house price, and receive the rental money with the cost of maintaining the depreciated lease and added value. The stabilization of the burden and the housing cost helps the real economy, and each issuer of bond can bring innovation to the creative economy by activating economy and creating new profit model.

1 is a schematic diagram showing a system for issuing a rental agent, issuing a convertible bond, and issuing a security system (ABS), which is generated by conversion of a rent, to support rent conversion in the premises according to the present invention.


Figure 2 shows the flow of SPC (Special Purpose Company) to transfer large-sized companies, SMEs, and self-employed companies that receive government bonds to the government bonds and to transfer the bonds to the investors. Fig.


Figure 3 shows a flow chart of the bond assignment and transferable bond yield (10%).


FIG. 4 shows the stages of issuance of leasehold bonds, issuance of collateralized debt securities (ABS), payment of bond rates through the transfer of tenant investment trusts and bonds, sale of bonds and securities investors, repayment of maturity bonds, and return of tenant deposits at maturity .

The technical knowledge to which the present invention belongs will be described as follows with reference to the accompanying drawings.

(10) who wants to convert to monthly rent, issues a guarantee guarantee bond (100) guaranteed by the credit guarantee institution, and sells the cash generated by selling to the existing banknote to the landlord (10) And SPC (Special Purpose Company) (80) that pays interest to the bank (110) by paying the interest rate of the bondholder to the landlord (10).

At this time, the SPC 80 issues a bond rate payment 50 and a rent-free security deposit 60 to the landlord 10 who desires to issue the lease 100 and the tenant 20 who has purchased the lease 100 It serves as a financial investment trust institution that acts as a buyer and seller of bonds sold to the bank (110).

In the case of the existing lease contractor 10, the issuance of lease bonds is subdivided into units of UNIT (100 million, 200 million and 300 million), and the rent is paid to the tenant 20 (120) Thereby inducing a conversion to generate a cash flow (30).

Also, the interest payment 50 of the bond 100 issued at this time is covered by the rent money 90 generated from the tenant 20. If the landlord receives 5% of the monthly rent (90%) of the bond, 1% is the bank interest, 1% is the interim recruiter (SPC) (1%) to generate cash flow (30).

The security bond issuance (100) of the rental guarantee bond is guaranteed by the credit guarantee company (70), and the guarantee guarantee is secured by the monthly rent (ABS) security deposit (60) in which the cash flow (30) occurs due to the change of the monthly rent (90).

When a new lease is made, it is guaranteed by the credit guarantee institution (70), and the SPC (80) in association with the bank (110) issues the lease bond (100) in units of UNIT and bonds it to the tenant 100) to the monthly rent 90 where the interest rate 50 of the bond 100 can be received. At this time, the generated monthly rent can be sold to the bank 110 or sold to the investor 130 by issuing a convertible bond 60 to ABS. Of course, when the tenant (20) does not buy the bond (100), the landlord converts to the monthly rent (90) except for the minimum deposit (120), and the cash flow (30) (60)).

When a tenant acquires a 5% (100) chartered bond (100), the problem can be alleviated by the sudden change of rent (90) by receiving a 1% bank interest rate from the landlord.

The SPC company (80) transfers the bonds received from the tenants to the investment trusts (140) and transfers them to the big companies, SMEs, House Poor, and self-employed who have difficulties in financing with a bond value of 150% To return the money of the lender, which is high, and to function as a competitive fund to replace it.

2% of the general bank, 2% of the Bank of Korea, 2% of the SPC company (including the transfer guarantee fee), 3% of the tenants, and 1% of the tax are allotted.

The lessee can reduce the monthly rent burden by receiving the bond investment trust rate (3%) from SPC (80).

The landlord (10) receives the rental money (90) from the existing lease deposit which has been exhausted due to the decrease of the house price and the cost and the added value of the depreciated lease, (90), it will help the real economy by stabilizing the rental cost of the lease and stabilizing the housing cost, and each issuer will bring innovation to the creative economy by revitalizing the economy and creating new profit model.

(100) to the existing or new landlord (10) who want to convert the lease to the monthly rent, it will bring the rent deposit of over 300 trillion into the economy market and stabilize the real estate market and promote the economy By creating a new economic paradigm, we can develop a product stage that can meet the creation economy.

The SPC (Asset-Backed Company) (80) provides the two functions of transferring the mortgage of the real estate (90) to the monthly rent or the transfer of the transferable bond, thereby creating a certain amount of cash flow (30) in the economy market.

1. Monthly Transition: A certain amount of monthly cash flow → ABS can be issued.

2. Conversion of transferable bonds: We securely supply the interest rate (10%) of large enterprises and small and medium enterprises.

SPC (80) can acquire and transfer discounted bonds with a discount fee from financial institution (110) and investor (130). (Sale of bonds and discount on maturity bonds)

The term of the bond shall be two years or four years at the time of new charter period.

Households with regular monthly rents (90) can issue bonds (60) with ABS and sell them overseas (domestic banks and foreign banks). In addition, the existing transferred bonds (150) receive cash from large companies and small and medium-sized enterprises that have received government support qualification, and transfer the bonds to present them to banks. At this time, the credit guarantee institution will issue a guarantee bond with government guarantee.

The self-employed and the house porter also apply the same as above.

The future maturity bonds will be returned to the landlord by buying from the bank every two years,

Every five years, every two years, the maximum is extended by 10 years. At this time, SPC (80) performs agency service.

10: Landlord 20: Tenant 30: Cash flow 40: Rent conversion
50: Debt interest rate payment 60: Issuance of ABS convertible bond 70: Credit guarantee company
80: SPC company 90: monthly rent 100: chartered bond
110: Financial institution (bank) 120: Deposit deposit 130: Investor
140: bond trust 150: bond trust transfer

Claims (7)

The guarantee bond issuance is guaranteed by the credit guarantee company, and the guaranteed guarantee is the monthly rental sales {ABS} in which the cash flow occurs due to the conversion of the rent. The loan is issued to the landlord who wants to convert to the monthly rent, and the guarantee bond guaranteed by the credit guarantee institution is issued to the landlord to sell the money to the landlord. The interest paid to the landlord is paid to the landlord. Establish SPC (Special Purpose Company) to be paid to banks. In addition, the interest payment of the bonds issued at this time shall be covered by the monthly rent arising from the tenant. If the landlord receives 5% of the monthly rent of the bondholder, 2% is the bank interest, 1% is the intermediary recruiter (SPC) commission, and the remaining 2% is the cash flow from the landlord's commission. When a tenant purchases a chartered bond, the landlord pays the interest rate of 1% of the bondholder, thereby alleviating the problem of a sudden change of rent The bond deposit purchased by the bank or the bond purchased by the bank provides funds to the large corporations, small and medium enterprises, house paul, and self-employed who have difficulty in receiving funds from SPC with 10% bond transfer, Step to function as a competitive fund to replace the high lender's money The landlord is required to pay rent by the issuance of the existing lease deposit which has been exhausted due to the fall of the house price and to receive the rental money with the cost of preserving the depreciated property and added value and the lessee shall pay the rent due to bond acquisition and investment trust. The transition will help the real economy by stabilizing the surplus of the lease and stabilizing the housing costs. The issuers of the bonds will bring innovation to the creative economy through revitalizing the economy and creating new profit models. By providing the rental deposit (charter money) to the existing or new landlord who wants to convert the lease into monthly rent, it is possible to attract the deposit of over 300 trillion into the economy market, thereby stabilizing the real estate market and stimulating the economy. Product steps that can meet creation and creation economies

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