KR20170034508A - Information providing method of mortgage product in accordance with the way personal property and credit analysis and housing environmental analysis - Google Patents
Information providing method of mortgage product in accordance with the way personal property and credit analysis and housing environmental analysis Download PDFInfo
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- KR20170034508A KR20170034508A KR1020150132849A KR20150132849A KR20170034508A KR 20170034508 A KR20170034508 A KR 20170034508A KR 1020150132849 A KR1020150132849 A KR 1020150132849A KR 20150132849 A KR20150132849 A KR 20150132849A KR 20170034508 A KR20170034508 A KR 20170034508A
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- 238000003891 environmental analysis Methods 0.000 title abstract 2
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- 238000006243 chemical reaction Methods 0.000 claims description 4
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- 238000005516 engineering process Methods 0.000 description 2
- 230000003287 optical effect Effects 0.000 description 2
- 239000004065 semiconductor Substances 0.000 description 2
- 125000002066 L-histidyl group Chemical group [H]N1C([H])=NC(C([H])([H])[C@](C(=O)[*])([H])N([H])[H])=C1[H] 0.000 description 1
- 238000003491 array Methods 0.000 description 1
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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
- G06Q30/00—Commerce
- G06Q30/06—Buying, selling or leasing transactions
- G06Q30/0601—Electronic shopping [e-shopping]
- G06Q30/0641—Shopping interfaces
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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
- G06Q40/02—Banking, e.g. interest calculation or account maintenance
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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—Information and communication technology [ICT] specially adapted for implementation of business processes of specific business sectors, e.g. utilities or tourism
- G06Q50/10—Services
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Abstract
This specification discloses a method for providing suitable mortgage loan product information in accordance with an individual's property and credit as well as an environmental analysis of the mortgaged house. The method for providing mortgage loan product information according to the present invention comprises the steps of: receiving input of a user through a window for housing information input and a selection window classified according to loan purpose; Receiving information for selecting a loan product; And providing information on a loan product of a financial company determined according to a preset reference according to the input information.
Description
The present invention relates to a home loan product information providing method, and more particularly, to a method of providing home mortgage loan product information in accordance with an environment analysis of a home, .
BACKGROUND ART [0002] Portable information communication terminals are widely used due to the development of semiconductor technology and wireless communication technology. By using portable information communication terminals, which are often called smart phones, users can install desired applications and easily obtain various information.
On the other hand, in order to obtain information on loan products or loans of a financial institution, a user who wishes to borrow money should check the relevant banking sites of the first to third financial institutions, It is not possible to do exactly what it is and there are inconveniences and difficulties for users who do not have enough knowledge about loans.
As a prior art related to this, Korean Patent Laid-Open Publication No. 2002-0069446 discloses a "system for providing a financial loan product search service suitable for an Internet user ", but the prior art searches for an existing loan product on the Internet, A system in which a certain product is provided in a simple arrangement manner is disclosed.
Therefore, what is the loan product of the financial sector that is suitable for the popularized mobile internet age, especially the mortgage loan which can be the biggest property and the biggest burden to the public, is also provided as collateral And there is no way to provide comprehensive information through analysis of the environment of a house used for actual residence purpose. This leads to inconvenience and difficulty of the user in the lending of the financial institution, and at the same time, And the like.
SUMMARY OF THE INVENTION The present invention has been made in recognition of the above-described prior art, and provides a method of providing appropriate mortgage loan product information in accordance with an analysis of an environment of a home, .
According to another aspect of the present invention, there is provided a method for providing home equity loan product information, comprising: receiving a user input through a selection window classified according to a window for entering housing information and a loan purpose; Receiving information for selecting a loan product; And providing information on a loan product of a financial company determined according to a preset reference according to the input information.
According to an embodiment of the present invention, the window for entering housing information may be a window for inputting an address and a size.
According to one embodiment of the present invention, the selection window classified according to the loan purpose may be a window classified according to at least one purpose of the loan commodity comparison, the home purchase money, the loan commodity conversion, or the charter capital.
When the loan commodity comparison is selected, the step of receiving the information for selecting the loan commodity may be a step of providing information on the presence or absence of the commodity and the type of the loan commodity according to the financial company.
When the home purchase fund is selected, the step of inputting the information for selecting the loan product may include receiving the required loan amount, the situation period, the age, the annual income, and the input of the existing financial product information.
When the loan product conversion is selected, the step of inputting the information for selecting the loan product may include receiving the required loan amount, the situation period, the age, the annual income, and the existing loan product information.
When the charter capital is selected, the step of receiving the information for selecting the loan product may include receiving the required charter amount, the age, the annual income, and the input of the existing financial product information.
In this case, a step of displaying a selection window for leaving a contact for contact with the loan specialist can be further included.
The method of providing mortgage loan product information according to the present invention may further include providing information on price fluctuation of a predetermined home.
The method of providing mortgage loan product information according to the present invention may further include providing information about a house having a large amount of price fluctuation or a rate for a predetermined period based on the current time point.
The method of providing mortgage loan product information according to the present invention may further include providing information related to housing development, housing news, or housing related laws.
According to an aspect of the present invention, there is provided a computer-readable non-temporary storage medium for receiving input of a user through a window for inputting housing information and a selection window classified according to a loan purpose; Receiving information for selecting a loan product; And software that operates to provide information on a loan product of a financial institution determined by a preset reference according to the input information.
According to the present invention, it is possible to receive appropriate mortgage loan product information according to an analysis of the environment of a home, which is a subject of collateral, as well as individual assets and credit.
BRIEF DESCRIPTION OF THE DRAWINGS The accompanying drawings, which are incorporated in and constitute a part of the specification, illustrate preferred embodiments of the invention and, together with the description of the invention given below, serve to further augment the technical spirit of the invention. And should not be construed as limiting.
1 is an exemplary view of a home screen
2 is an exemplary view of a login and a subscription screen.
FIG. 3 is a view illustrating a screen when the 'loan' menu shown in FIG. 1 is selected.
FIG. 4 is a view showing a screen when the 'look around' menu shown in FIG. 3 is selected.
FIG. 5 is a view showing a screen when the 'purchase funds' menu shown in FIG. 3 is selected.
FIG. 6 is a view illustrating a screen when the 'transfer' menu shown in FIG. 3 is selected.
FIG. 7 is a view showing a screen when the 'chartered funds' menu shown in FIG. 3 is selected.
FIG. 8 is a view showing a screen when the 'My apartment' menu shown in FIG. 1 is selected.
FIG. 9 is a view showing a screen when the 'hot apartment' menu shown in FIG. 1 is selected.
FIG. 10 is a view illustrating a screen when the 'development' menu shown in FIG. 1 is selected.
FIG. 11 is a view illustrating a screen when the 'Announcement' menu shown in FIG. 1 is selected.
Hereinafter, embodiments of the present invention will be described in detail with reference to the accompanying drawings, wherein like reference numerals are used to designate identical or similar elements, and redundant description thereof will be omitted. In the following description of the embodiments of the present invention, a detailed description of related arts will be omitted when it is determined that the gist of the embodiments disclosed herein may be blurred. It is to be understood that both the foregoing general description and the following detailed description are exemplary and explanatory and are intended to provide further explanation of the invention as claimed. , ≪ / RTI > equivalents, and alternatives.
1 to 12 show a screen of a terminal including a storage medium according to an embodiment of the present invention. The terminal may be a mobile phone, a smart phone, a laptop computer, a digital broadcasting terminal, a personal digital assistant (PDA), a portable multimedia player (PMP), a navigation device, a slate PC, PCs, ultrabooks, wearable devices (e.g., smartwatches, smart glass, HMDs (head mounted displays)), and the like. The terminal may include a processor, an application-specific integrated circuit (ASIC), another chipset, a logic circuit, a register, a communication modem, a data processing device, and the like capable of reading and executing a program stored in a storage medium. Therefore, the screen of the terminal shown in FIG. 1 to FIG. 12 should be understood as a screen displayed on the display by the program stored in the storage medium.
1 is an exemplary view of a home screen.
Referring to FIG. 1, various menus are shown. Preferably, the home screen may have different sizes of menu windows displayed according to importance or business value of each menu. In addition, the position of the menu window may be varied in the home screen. The user can select a menu window to obtain desired information. At this time, when selecting any one of the menu windows, a login procedure for confirming the user is required.
2 is an exemplary view of a login and a subscription screen.
Referring to FIG. 2 (a), it is confirmed that an input window for inputting an ID and a password for member login is displayed. If an ID and a password are input into the input window, the user can log in through the matching of the registered member information. Meanwhile, it is also possible to log in through the Social Network Service (SNS).
Referring to FIG. 2 (b), an example of an email search menu for a user who has forgotten the password among existing registered members is shown. Through the procedure shown in the menu, the user can confirm or reset the password through his / her e-mail. Although an example of confirming a password through e-mail is shown in Fig. 2, it is possible to confirm the password after authenticating the user through various methods such as character authentication of the cellular phone, ARS voice authentication, authentication through a public certificate, and the like.
Referring to FIG. 2 (c), a screen displaying an input window for new member subscription can be confirmed. New users who are not existing members can use ID and password after membership registration.
FIG. 3 is a view illustrating a screen when the 'loan' menu shown in FIG. 1 is selected.
Referring to FIG. 3, a window for inputting housing information, a window for obtaining simple loan information ('touring'), a window for comparing loan products according to a specific purpose ('purchase fund', ' 'And' charter funds') are displayed.
The housing information can input information according to an address and a size. Although an apartment is shown as an example of a window for inputting the housing information, the housing is not limited to an apartment.
If the user selects any one of the 'tour', 'purchase money', 'transfer', or 'rental money' after inputting the home information, the loan product corresponding to the inputted home information can be presented.
FIG. 4 is a view showing a screen when the 'look around' menu shown in FIG. 3 is selected.
Referring to FIG. 4 (a), it can be seen that loan products are listed according to financial companies. The 'tour' is a menu for the presence, type, or simple comparison of loan products according to financial companies. On the other hand, the information of the goods provided on the screen is a schematic content. Therefore, if the user wishes to confirm the details of a specific commodity, the user can select the commodity. Referring to FIG. 4 (b), it can be seen that the details of the specific financial institution product are shown. In addition, if more detailed consultation is desired, the 'comprehensive loan consultation' window shown in the lower part of FIG. 4 (b) can be selected. In this case, as shown in FIG. 4 (c), it is possible to leave a contact for consultation. This allows you to contact a professional counselor.
FIG. 5 is a view showing a screen when the 'purchase funds' menu shown in FIG. 3 is selected.
The 'purchase fund' is a menu for funding for home sales. 5 (a) to 5 (e), it can be confirmed that the user inputs the size of the necessary funds, the loan period, personal information (age, annual income, existing financial transaction details, etc.) 5 (f) through the information input in the above process, it is possible to present the loan product of the most suitable financial institution. At this time, if the 'view loan details' window is selected in order to obtain more detailed information about the loan product, a screen in which more detailed contents are displayed as shown in FIG. 5 (g) can be confirmed. In addition, if a consultation is desired, the user can leave a contact information for counseling as shown in (h) of FIG. This allows you to contact a professional counselor.
FIG. 6 is a view illustrating a screen when the 'transfer' menu shown in FIG. 3 is selected.
The 'transfer' is a menu for changing a user who has an existing loan product to a loan product with a lower interest rate and / or a better condition. 6A to 6F, it can be confirmed that the user inputs the size of the necessary funds, the period of the loan, personal information (age, annual income, existing financial transaction details, etc.), existing loan information, and the like. Through the information input in the above process, a loan product of the most suitable financial institution can be presented as shown in FIG. 6 (g). At this time, if the 'view loan details' window is clicked to obtain more detailed information about the loan product, a screen in which more detailed contents are displayed as shown in FIG. 6 (h) can be confirmed. In addition, if a consultation is desired, the user can leave a contact information for counseling as shown in (i) of FIG. 6 by selecting the "application for comprehensive loan consultation" window. This allows you to contact a professional counselor.
FIG. 7 is a view showing a screen when the 'chartered funds' menu shown in FIG. 3 is selected.
The 'chartered fund' is a menu for receiving a loan for use as a chartered fund. Referring to FIGS. 7A to 7D, it can be confirmed that the user inputs the size of the required charter capital, personal information (age, annual income, existing financial transaction details, etc.). 7 (e) through the information input in the above process, it is possible to present a loan product of the most suitable financial institution. At this time, if a 'loan product detail view' window is selected in order to obtain more detailed information about the loan product, a screen in which more detailed contents are displayed as shown in (f) of FIG. 7 can be confirmed. In addition, when a consultation is desired, the user can leave a contact information for counseling as shown in FIG. 7 (g) by selecting the "Request a comprehensive loan consultation" window. This allows you to contact a professional counselor.
FIG. 8 is a view showing a screen when the 'My apartment' menu shown in FIG. 1 is selected.
The 'My apartment' is a menu for providing information on price fluctuations according to time of a specific house stored in advance. 8 (a), the user can input a house of interest through the input window shown in the lower part of FIG. 8 (b).
FIG. 9 is a view showing a screen when the 'hot apartment' menu shown in FIG. 1 is selected.
The 'hot apartment' is a menu for providing information on a price change according to time of a specific house set by a server manager, not a user. The particular house may be selected on the basis of a recent price change amount or a housing having a high ratio. Referring to FIG. 9, the amounts and graphs for the 3-month and 1-year growth rates can be seen.
FIG. 10 is a view illustrating a screen when the 'development' menu shown in FIG. 1 is selected.
The 'development' is a menu for providing information related to housing development, as shown in FIG.
FIG. 11 is a view illustrating a screen when the 'Announcement' menu shown in FIG. 1 is selected.
The 'announcement' is a menu for providing housing related news, as shown in FIG.
FIG. 12 is a view illustrating a screen when the 'pick' menu shown in FIG. 1 is selected.
The 'pick' is a menu that provides topics such as housing related laws, as shown in FIG.
The method may be stored in one or more computer-readable non-volatile storage media including software that implements the operations described above. Computer-readable non-volatile storage media or storage media herein may include one or more semiconductor-based or other integrated circuits (ICs), such as field-programmable gate arrays (FPGAs) or application-specific ICs (ASICs) (HDDs), hybrid hard disks (HHDs), optical disks, optical disk drives (ODDs), magneto-optical disks, magneto-optical drives, floppy disks, floppy disk drives (SSDs), a RAM-drive, a SECURE DIGITAL card or drive, any other suitable computer-readable non-transitory storage medium or, where appropriate, any suitable combination of two or more thereof. Where appropriate, the computer-readable non-volatile storage medium may be volatile, non-volatile, or a combination of volatile and non-volatile.
It will be apparent to those skilled in the art that the present specification may be embodied in other specific forms without departing from the spirit or essential characteristics thereof. The foregoing detailed description should not be construed in all aspects as limiting and should be considered illustrative. The scope of the present specification should be determined by rational interpretation of the appended claims, and all changes within the equivalency range of the specification are included in the scope of the present invention.
Claims (12)
Receiving information for selecting a loan product; And
And providing information on a loan product of a financial institution determined according to a preset reference according to the inputted information.
Wherein the window for inputting the housing information is a window for inputting an address and a size.
Wherein the selection window classified according to the lending purpose is a window classified according to at least one of a loan commodity comparison, a home purchase fund, a loan commodity conversion, or a charter fund.
Wherein the step of receiving information for selecting a loan product is a step of providing information on the presence or absence and type of a loan product according to a financial institution.
Wherein the step of receiving information for selecting a loan product comprises receiving a required loan amount, a situation period, an age, an annual income, and information on existing financial product information.
The method of claim 1, wherein receiving the information for selecting a loan product comprises receiving a required loan amount, a situation period, an age, an annual income, and information on existing loan product information.
The method of claim 1, wherein the step of receiving information for selecting a loan product comprises receiving a required amount of money, an age, an annual income, and information on existing financial product information.
Further comprising the step of displaying a selection window for leaving a contact for contact with a loan specialist consultant.
And providing information on price fluctuations of a predetermined home based on the information on the home mortgage loan product information.
And providing information on a home with a price change amount or a rate of a price change for a predetermined period based on a current time point.
Providing information on housing development, housing news, or information about housing-related laws.
Receiving information for selecting a loan product; And
And software operable to provide information about a loan product of a financial institution determined by a predetermined criteria according to the input information.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| KR1020150132849A KR20170034508A (en) | 2015-09-21 | 2015-09-21 | Information providing method of mortgage product in accordance with the way personal property and credit analysis and housing environmental analysis |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| KR1020150132849A KR20170034508A (en) | 2015-09-21 | 2015-09-21 | Information providing method of mortgage product in accordance with the way personal property and credit analysis and housing environmental analysis |
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| Publication Number | Publication Date |
|---|---|
| KR20170034508A true KR20170034508A (en) | 2017-03-29 |
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| Application Number | Title | Priority Date | Filing Date |
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| KR1020150132849A KR20170034508A (en) | 2015-09-21 | 2015-09-21 | Information providing method of mortgage product in accordance with the way personal property and credit analysis and housing environmental analysis |
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| KR (1) | KR20170034508A (en) |
Cited By (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN107784741A (en) * | 2017-10-11 | 2018-03-09 | 郑皓馨 | 3D glasses sharing method, server, system and computer-readable recording medium |
| KR20210019320A (en) * | 2019-08-12 | 2021-02-22 | 주식회사 우리은행 | Financial support method for construction work |
Citations (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| KR20020069446A (en) | 2001-02-26 | 2002-09-04 | 주식회사 인터넷과 꿈 | System for giving reference service toward to banking loaning goods to internet user |
-
2015
- 2015-09-21 KR KR1020150132849A patent/KR20170034508A/en unknown
Patent Citations (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| KR20020069446A (en) | 2001-02-26 | 2002-09-04 | 주식회사 인터넷과 꿈 | System for giving reference service toward to banking loaning goods to internet user |
Cited By (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN107784741A (en) * | 2017-10-11 | 2018-03-09 | 郑皓馨 | 3D glasses sharing method, server, system and computer-readable recording medium |
| KR20210019320A (en) * | 2019-08-12 | 2021-02-22 | 주식회사 우리은행 | Financial support method for construction work |
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