KR20220093946A - Method and device for providing real estate mortgage loan automatic screening platform - Google Patents

Abstract

According to one embodiment of the present invention, a real estate mortgage loan automatic screening platform providing method, which is performed by a server, comprises: a step (a) of collecting and storing real estate-related information according to preset categories; a step (b) of receiving an input of an examined-item designation from a user terminal, analyzing market prices related to the examined item, and providing market price analysis information to the user terminal; a step (c) of analyzing a risk for an examined-item related secured loan and proving risk analysis information to the user terminal; and a step (d) of calculating an appropriate market price and a loanable amount of the examined item based on the market price analysis information and the risk analysis information, and providing the calculated appropriate market price and loanable amount of the examined item to the user terminal wherein the market price analysis information and the risk analysis information include visualized graphs and a comprehensive analysis report based on at least one of region, area, and time series related to the examined item. According to the present invention, a real estate mortgage loan automatic screening platform has a database in which pieces of real estate information are categorized, thereby providing vast amounts of systematized data to a user.

Description

Real Estate Mortgage Loan Automatic Screening Platform Provisioning Method and Provisioning Device

The present invention relates to a method and apparatus for providing a real estate mortgage loan automatic examination platform performed by a server.

Since the past, real estate has accounted for most of the household economy. As a result, the demand for financing with real estate as collateral has increased day by day, and the mortgage market has also reached a huge scale.

Even though most of the loan amount of financial institutions is made up of collateral, the real estate mortgage loan process is performed manually step by step, and it usually takes four times more time than general financial loans.

In addition, according to such an offline system, there is a high possibility that a person's subjective judgment is involved, and a problem of asymmetry of financial information between a loan applicant and a financial institution is often caused. In addition, loan applicants have the inconvenience of having to visit a branch several times, and a large investment of money and time is required for financial institutions as well.

On the other hand, as the economic downturn continues, loan demand increases and the real estate market price is falling, making it more important for financial institutions to manage mortgage risk.

In preparation for these points, along with the expansion of online banking, financial institutions are increasing their investment in automation systems for the generalization of digital finance and expanding non-face-to-face loan services. However, the enormous amount of data on real estate is not uniform and has different standards, so it is difficult to control it, and since it is accompanied by systematic management and analysis, advanced technology related thereto is required.

The present invention systematically collects and processes real estate-related information, and based on this, analyzes the market price and mortgage risk of the examination item in various ways and provides it to the user terminal, thereby providing accuracy and convenience in grasping examination information of the examination item. aim to In addition, it aims to provide an automated mortgage loan review system by extracting the appropriate market price of the item to be reviewed and the amount of the secured loan, presenting it to the user, and recommending the review and evaluation based on the previously collected data.

According to an embodiment of the present invention, the method for providing a real estate mortgage loan automatic examination platform, performed by a server, comprises the steps of: (a) collecting and processing real estate-related information into a preset category; (b) receiving an input of designating an examination item from a user terminal, analyzing a market price related to the examination item, and providing the price analysis information to the user terminal; (c) analyzing the risk of the mortgage loan related to the examination item and providing risk analysis information to the user terminal; and (d) calculating an appropriate market price and loanable amount of the examination item based on the market price analysis information and the risk analysis information and providing it to the user terminal.

According to an embodiment of the present invention, the price analysis information and risk analysis information includes a visualized graph and a comprehensive analysis report based on at least one of region, area, and time series related to the examination item.

According to an embodiment of the present invention, the graph of the price analysis information and the risk analysis information is composed of a set of a plurality of points having independent valid values, and when receiving an input for the points from the user terminal, the The effective value corresponding to the point is expressed as numerical information and provided to the user terminal.

According to an embodiment of the present invention, in the method for providing an automatic real estate mortgage loan examination platform, the step (a) comprises machine learning for extracting an appropriate market price and an appropriate mortgage amount for each real estate based on the collected real estate-related information Including the step of performing (Machine learning), wherein the machine learning is to apply a preset learning modeling according to the region and size of the real estate, the real estate-related information includes real estate transaction information, the real estate transaction information is predetermined The preprocessing process is performed through the resampling technique of

According to an embodiment of the present invention, in the method of providing an automatic real estate mortgage loan review platform, the step (b) includes information on the sale price and price between real estate that falls within a predetermined range within the area to which the examination item and the examination item belong. Comparing and analyzing the fluctuation trend and providing the comparison information of the sale price and the price fluctuation ratio information of the examination item according to the price change trend to the user terminal, wherein a predetermined range within the area to which the examination item belongs is an administrative district This is subdivided or set based on a preset radius of the examination object.

According to an embodiment of the present invention, in the method of providing an automatic real estate mortgage loan examination platform, the step (b) analyzes the market price trend and actual transaction price trend of the examination item for a preset period, and the market price trend and the actual transaction Comprising the step of providing trend comparison information compared with the provisional trend to the user terminal, wherein the trend comparison information is information on the difference between the market price and the actual transaction price of the examination item for each transaction that has been completed for the examination item, and the examination item Transaction statistics information of the item to be reviewed for determining whether the current price of

According to an embodiment of the present invention, in the method of providing a real estate mortgage loan automatic examination platform, the step (b) includes complex information of the complex to which the examination item belongs, and a neighboring area of real estate within a predetermined administrative district in which the examination item is located Comprising the step of providing to the user terminal the rate of increase in the market price compared to the sale price and the ratio of supply and demand to the jeonse of the examination item, the complex information includes the distribution of the actual transaction price of real estate in the complex for a preset period, the composition ratio by number of square feet, and the percentage by number of square meters It includes at least one of price comparison information and comparison information with neighboring complexes.

According to an embodiment of the present invention, the risk analysis information includes real estate quantity supply information, the number of items for sale, the number of actual transactions, market price, successful bid rate, population information, transaction turnover, and the examination item within a predetermined administrative area where the examination item is located. Information on the jeonse rate, transaction volume change of the complex, and comparison information of the real estate equilibrium composition and real estate price composition for each predetermined range within the area to which the examination item belongs are included. It is set or set based on the preset radius of the examination object.

According to an embodiment of the present invention, in the method for providing an automatic real estate mortgage loan examination platform, the step (c) includes the lower limit and average price of real estate transaction prices within a predetermined range from a preset financial institution server to the area to which the examination item belongs. and receiving upper limit information; And, based on the lower limit, average price, and upper limit information of the real real transaction price, a predetermined real transaction price interval is set, and market price prediction information indicating the distribution of actual transaction prices generated during a preset period through the actual transaction price interval is provided to the user terminal step of providing.

According to an embodiment of the present invention, in the method for providing an automatic real estate mortgage loan examination platform, the step (c) includes analyzing an evaluation index for the examination item based on the risk analysis information and providing it to the user terminal Including, wherein the evaluation index is composed of liquidity, volatility, and stability items, and the evaluation index score calculated according to a preset operation corresponding to each item and the evaluation index score are visualized in a predetermined shape to the user terminal Provided, that the liquidity property is applied to auction information, sale information, transaction turnover, and actual demand index of the examination item, the volatility is applied to the real estate market price change rate of the examination item and location, and the stability is the current price of the examination item It is calculated according to the calculation in which the loan amount, the amount of the senior bond set, and the desired loan amount are applied.

According to an embodiment of the present invention, the method of providing a real estate mortgage loan automatic examination platform providing method, the step (d) includes providing a predetermined loan information input interface and an examination result input interface to the user terminal, wherein the The examination result input interface includes a score input menu corresponding to a preset collateral evaluation item, and the loanable amount is automatically changed according to the input of the user terminal in the loan information input interface.

According to an embodiment of the present invention, in the method of providing an automatic real estate mortgage loan examination platform, the step (d) includes the accumulation of the examination item or a collateral evaluation item of real estate similar to the examination item previously input from another user terminal and recommending to the user terminal by analyzing data and configuring a score determined based on the accumulated data analysis in the score input menu, wherein the real estate similar to the examination item is the area, size and amount of the examination item At least one of the criteria falls within a preset similarity range.

According to an embodiment of the present invention, the process of analyzing the accumulated data uses a preset machine learning model, wherein the machine learning model includes the accumulated data, the examination item or market analysis information of real estate similar to the examination item, and At least one of the risk analysis information is taken as an input value, and the collateral evaluation score for the examination item is an output value, and the collateral evaluation score corresponding to the output value is the evaluation score input by the user terminal through the score input menu and If it is within a preset error range, it is provided to the user terminal.

According to an embodiment of the present invention, the method for providing a real estate mortgage loan automatic examination platform provides a difference value between the score determined based on the analysis of the accumulated data and the evaluation score input by the user terminal through the score input menu, and , configuring the calculated difference value in the score input menu and providing it.

According to an embodiment of the present invention, the method of providing an automatic real estate mortgage loan examination platform performs a predetermined simulation for relative evaluation of the possibility of passing the examination for each collateral evaluation item of the examination object compared to the total real estate included in the database, and performs and configuring and providing the relative evaluation score calculated according to the result in the score input menu.

According to an embodiment of the present invention, the method of providing a real estate mortgage loan automatic examination platform provides the step (d), the step of providing the registered copy information of the examination item to the user terminal; And the restricted property rights in the registered copy information and providing a restricted property right input interface for selectively inputting information to the user terminal, wherein the restricted property right information includes information on senior claims registered in a register, and is divided into valid rights and deleted rights and is provided to the user terminal, and the loanable amount is automatically changed by additionally applying the total amount of senior receivables calculated according to the selection input of the user terminal in the limited property right input interface.

According to an embodiment of the present invention, an apparatus for providing a real estate mortgage loan automatic examination platform providing apparatus includes a memory in which a program for performing a real estate mortgage loan automatic examination platform providing method is stored and a processor for executing the program, the processor comprising: , by executing the program, collects and processes real estate-related information into a preset category, receives an input of designation of an examination item from a user terminal, analyzes the market price related to the examination item, and transmits market price analysis information to the user terminal provides, analyzes the risk of the mortgage loan related to the examination item, provides risk analysis information to the user terminal, and calculates the appropriate market price and loanable amount of the examination item based on the market price analysis information and risk analysis information, Provided to the user terminal, the market price analysis information and risk analysis information includes a visualized graph and a comprehensive analysis report based on at least one of region, area, and time series related to the examination item.

According to an embodiment of the present invention, the real estate mortgage loan automatic examination platform categorizes real estate information to build a database, and by linking data by category to process and analyze data, systematize a vast amount of data can be provided to users.

In addition, by providing visual statistical data that analyzes market price information and risk information related to real estate collateral from various aspects, it is possible to induce rational decision-making on the collateral examination. This enables more accurate mortgage risk management for financial institutions. Accordingly, it is possible to break away from the conventional method of calculating a high interest rate in an insurance way to avoid risk, thereby allowing an appropriate interest rate to be calculated.

Accordingly, an appropriate amount of secured loan can be provided to loan customers, so that the asymmetry of financial information between institutions and individuals can be resolved, and the soundness of secured loans can be expanded.

On the other hand, the real estate mortgage loan automatic examination platform according to an embodiment of the present invention supplements the non-uniform standards of the real estate market through a predetermined learning system, updates real estate rights information, etc. and provides real-time changing real estate It can enable accurate and flexible response according to the market.

In this way, by providing an automated screening system related to real estate mortgage loans, it is possible to break away from the existing offline manual process, to dramatically reduce time and cost for financial institutions, and to provide convenience and transparency of loans to customers. can

1 is a structural diagram of a real estate mortgage loan automatic examination platform providing system according to an embodiment of the present invention.
2 is a flowchart of a method of providing an automatic real estate mortgage loan review platform according to an embodiment of the present invention.
3 to 6 are exemplary views illustrating an example in which market price analysis information is provided to a user terminal according to an embodiment of the present invention.
7 to 10 are exemplary views illustrating an example in which risk analysis information according to an embodiment of the present invention is provided to a user terminal.
11 is an exemplary diagram in which an appropriate market price and loanable amount of an examination item and a predetermined user interface related thereto are provided according to an embodiment of the present invention.
12 is an exemplary diagram in which registration information and a restricted property right input interface of an examination object are provided according to an embodiment of the present invention.
13 is a flowchart of a process in which an automatic real estate mortgage loan examination is performed according to an embodiment of the present invention.

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS Hereinafter, embodiments of the present invention will be described in detail with reference to the accompanying drawings so that those of ordinary skill in the art can easily implement them. However, the present invention may be embodied in several different forms and is not limited to the embodiments described herein. And in order to clearly explain the present invention in the drawings, parts irrelevant to the description are omitted, and similar reference numerals are attached to similar parts throughout the specification.

Throughout the specification, when a part is "connected" with another part, this includes not only the case of being "directly connected" but also the case of being "electrically connected" with another element interposed therebetween. . Also, when a part "includes" a certain component, it means that other components may be further included, rather than excluding other components, unless otherwise stated.

Some of the operations or functions described as being performed by the terminal or device in this specification may be instead performed by a server connected to the terminal or device. Similarly, some of the operations or functions described as being performed by the server may also be performed in a terminal or device connected to the server.

The "terminal" referred to below may be implemented as a computer or portable terminal that can access a server or other terminal through a network. Here, the computer is, for example, a laptop, desktop, laptop, VR HMD (eg, HTC VIVE, Oculus Rift, GearVR, DayDream, PSVR, etc.) equipped with a web browser (WEB Browser), etc. may include Here, VR HMD is for PC (eg, HTC VIVE, Oculus Rift, FOVE, Deepon, etc.), for mobile (eg, GearVR, DayDream, Storm Horse, Google Cardboard, etc.) Independently implemented Stand Alone models (eg Deepon, PICO, etc.) are included. A portable terminal is, for example, a wireless communication device that guarantees portability and mobility, and includes not only a smart phone, a tablet PC, a wearable device, but also Bluetooth (BLE, Bluetooth Low Energy), NFC, RFID, and ultrasound (Ultrasonic). , infrared, Wi-Fi, Li-Fi, etc. may include various devices equipped with a communication module. In addition, the term "network" refers to a connection structure capable of exchanging information between each node, such as terminals and servers, and includes a local area network (LAN), a wide area network (WAN), and the Internet. (WWW: World Wide Web), wired and wireless data networks, telephone networks, wired and wireless television networks, and the like. Examples of wireless data communication networks include 3G, 4G, 5G, 3rd Generation Partnership Project (3GPP), Long Term Evolution (LTE), World Interoperability for Microwave Access (WIMAX), Wi-Fi, Bluetooth communication, infrared communication, ultrasound Communication, Visible Light Communication (VLC), LiFi, and the like are included, but are not limited thereto.

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

1 is a structural diagram of a real estate mortgage loan automatic examination platform providing system according to an embodiment of the present invention.

1, the real estate mortgage loan automatic examination platform providing system according to an embodiment of the present invention includes a server 100 that performs an overall process, a user terminal 200, and a network communication network 300 connecting them. . For example, the user terminal 200 may be a terminal of an examiner who is the subject of loan examination or a terminal of a financial institution to which the examiner belongs, but the scope of the user is not limited.

2 is a flowchart of a method for providing a real estate mortgage loan automatic examination platform according to an embodiment of the present invention.

Referring to FIG. 2 , first, in step S210 , the server 100 may collect and process real estate-related information into a preset category. Here, real estate-related information may be collected through Internet crawling, data purchase, and downloading of files containing information, and the collection method is not limited to the present invention. For example, it is possible to collect a vast amount of real estate-related information by interworking with a predetermined financial institution or government institution server, and to build an individual DB for each real estate in subdivided units such as the number of houses and lot numbers. In addition, it is possible to classify individual DBs by region, size, amount, etc. and process them into data within a preset range, configure market prices, auctions, registrations, actual transactions, and other items, and information in individual DBs corresponding to each item. can be extracted and stored. That is, the server 100 may perform a pre-processing of real estate-related information so that it can be used as suitable data in each process such as market price analysis, risk analysis, and loan review, which will be described later.

Referring to the process of pre-processing real estate transaction information representatively among real estate-related information, for example, a predetermined re-sampling technique may be used. Specifically, real estate transaction information has an aperiodic characteristic in that data is generated only when an actual transaction occurs, so it is difficult to process the data by forming a normal periodic algorithm. Accordingly, the server 100 groups individual real estate into a predetermined area unit and categorizes the individual real estate by a preset real estate area. Specific real estate samples that do not correspond to each unit area or area are supplemented by applying a predetermined statistical analysis technique, thereby forming a distribution model that can characterize actual transaction information. After that, through iterative cross validation, the validity and representativeness of the distribution model are secured so that it can be accurately applied to actual transactions. In addition, it is possible to solve the overfitting problem of the actual transaction distribution model by performing a predetermined regression analysis process.

On the other hand, the server 100 may perform a predetermined machine learning (Machine learning) for extracting the appropriate market price and appropriate mortgage loan amount for each real estate based on the collected real estate-related information. In general, the appropriate market price for real estate provided by financial institutions or other institutions is provided for each acreage of real estate. However, since market prices vary widely by region and type of real estate, there is a problem that the maximum price is mostly different despite the same number of square meters. According to an embodiment of the present invention, in order to solve such a problem, it is possible to correct the appropriate market price of individual real estate by applying preset learning modeling according to the region and size of the real estate. For example, the above-described actual transaction distribution model may be used. In addition, a learning method consisting of multiple decision tree nodes to make predictions, a learning method to increase predictive power by composing multiple input variables into multidimensional vectors, time-series classification of input data and composed of multiple transfer functions, and regression learning With this grafted artificial neural network learning method, multiple models can be built, and the most suitable model for each real estate can be applied to extract an accurate appropriate market price. For example, if the price fluctuation market in the region where the relevant examination item is located is greatly affected by the fair price set every quarter, the artificial neural network model in which the output value (= fair price) is fed back as a component of the input value and re-learned This can be applied.

As an additional embodiment, as the real estate is managed as a detailed individual DB such as units of buildings, lakes, lot numbers, etc., in order to effectively link the registers and ledger information of individual real estate, the server 100 is located in a It is possible to perform a kind of scraping operation, which allows real estate-related information to be individually collected and managed.

In step S220 , the server 100 receives an input of designating an examination item from the user terminal 200 , and analyzes the market price related to the examination item in various ways, and may provide the price analysis information to the user terminal 200 . . A user may input bibliographic information of an examination subject to be examined or for which information is to be inquired into the platform according to an embodiment of the present invention through the user terminal 200 . The bibliographic information may include, for example, the subdivided administrative districts of the city and county units, city/gun-gu units, eup-myeon-dong units to which the real estate belongs, number of dong, number, lot number, pyeongyang, etc. can be In addition, the server 100 may receive the input of the loan applicant, that is, the borrower's personal information and loan application product from the user terminal 200, and additionally the borrower's current loan status, loan request amount, etc. requested in the mortgage review You can receive without limitation for basic matters.

Hereinafter, with reference to FIGS. 3 to 6, the provision of market price analysis information will be described in detail.

3 to 6 are exemplary views illustrating an example in which market price analysis information is provided to a user terminal according to an embodiment of the present invention.

First, referring to FIG. 3 , the server 100 is based on at least one of a market price analysis report 31 including a comprehensive price analysis comment of an examination item and a region, area (= pyeong), and time series related to the examination item. It is possible to provide a visualized graph to the user terminal 200 .

Here, the analysis report 31 may be configured by selecting an analysis item that can act as a key factor in the loan examination of the relevant examination item among the market price analysis information. Referring to FIG. 3, for example, comparison information between the average sales price, the sales price increase rate, the jeonse price increase rate and the preset range in the region to which the inspected product belongs, the actual transaction price distribution information, the average price by equilibrium in the complex, and the average price by price It can be seen that the price information is displayed differently. That is, according to an embodiment of the present invention, the server 100 extracts a core analysis item while analyzing the market price of the item to be examined, and automatically applies the price information corresponding to the analysis item to a preset basic phrase to report an analysis 31 may be generated and provided to the user terminal 200 .

As described above, the market price analysis information may be provided as visualized data analyzed in various ways, and the server 100 may additionally provide an explanatory phrase 32 for an interpretation method or interpretation content of these data. For example, referring to FIG. 3 , when the server 100 receives a predetermined input from the user terminal 200 for a preset area in the visualized graph or finds the position of the cursor, the analysis method of the graph, the content (32) may be provided. Therefore, even if you are an examiner who still lacks expertise or a general user who wants to check the price information, you can easily understand the significance of the price analysis information.

In addition, the visualized graph may be composed of a set of a plurality of points each having an independent effective value (33). For example, referring to the left graph of FIG. 3 , it can be seen that the linear graph is composed of a set of preset points. When the server 100 receives a predetermined input from the user terminal 200 for a specific point (=point) or finds the position of the cursor, the server 100 displays that the corresponding point is selected in a predetermined method, A valid value (33) can be provided. Here, the effective value 33 may include basic information and digitized information contained in the corresponding point in the graph. On the other hand, in the case of a linear graph, points in point units are exemplified, but depending on the type of graph, such as circular, bar, area, scatter, stock, surface, radial, and combination, unique information in the graph is contained. One area may be composed of points without limitation. In this way, the user can grasp the price analysis information as visualized data at a glance, and at the same time, by being provided with a specific effective value 33, in some cases, it can be helped to make more sophisticated and rational decision-making. have.

Hereinafter, an embodiment of providing market price analysis information will be described with reference to FIGS. 3 to 6 .

Referring to FIG. 3 , the server 100 compares and analyzes the sale price information between the examination item and the real estate corresponding to a predetermined range in the region to which the examination item belongs, and provides the comparative sale price information to the user terminal 200 . . Here, the predetermined range within the area to which the examination object belongs may be set by subdividing administrative districts or may be set based on a preset radius of the examination object. In other words, the sales price information of the entire real estate included in each range of the city and county units, the township units, the township units, and the complex units can be compared and analyzed. In addition, real estate located within a predetermined range, such as a 1km radius around the examination object and a 500m radius, and the sale price information of the examination object can be comparatively analyzed. For example, even for real estate belonging to the same complex, the location may be set to a different administrative district depending on the region where it is located, and accordingly, the price difference may be significant. can have The criteria for comparison mentioned above are not limited to trading price information, and may be applied to other price analysis information and risk analysis information to be described later according to their characteristics.

Meanwhile, the sales price information may be comparatively analyzed based on a preset period, and information on a sales price per unit area, an average price, and a jeonse price may be included.

For example, the comparative analysis information on the sales price and the sales price per area can be used as data for determining the superiority of the examination item in the local real estate market. In other words, it can be judged that the higher the price level in the lower regional unit compared to the higher regional unit, the higher the market price in the regional market in relation to the item to be examined.

In addition, the comparative analysis information of the regional average market price compares the price level of the item to be examined, the complex, and the sub-regional unit with the price level of the higher-level unit, thereby identifying the individuality of the item and the complex and the characteristics of the real estate market in the lower region. It can be used as data for

The server 100 may compare and analyze the price change trend between the examination item and the real estate for each region, and provide the price change rate information of the examination item according to the trend to the user terminal 200 . Referring to the graph on the left of FIG. 4 , a quadrant graph is formed based on the average price increase rate in the rising period and the average price increase rate in the falling period of the upper regional market, and each You can see that the points are constructed within the graph. Among them, the points 41 corresponding to the sub-regional market to which the examination item belongs may be displayed separately. Here, the closer to the first quadrant, the higher the market price growth rate is maintained regardless of the trend.

The server 100 may analyze the market price trend and actual transaction price trend of the examination item for a preset period, and provide trend comparison information comparing each trend to the user terminal 200 . Here, the trend comparison information may include information on the difference between the market price and the actual transaction price of the examination items for each transaction that has been completed in advance, and transaction statistics information for determining whether the current market price of the examination items is appropriate. For example, referring to the graph on the right of FIG. 4 , the difference between the monthly real transaction price and the market price is composed of points for a preset period and appears on the graph.

In addition, the analyzed market price trend can provide information on the market trend of the item to be examined, and information about the reliable price in that the actual transaction price trend is the actual transaction amount. In addition, the trend comparison report between the market price and the actual transaction price can be used as data to understand the market price change possibility and market price stability of the item to be reviewed.

The server 100 may provide the user terminal 200 with a rate of increase in sales price compared to a neighboring area of real estate within a predetermined administrative district in which the object to be examined is located and the ratio of supply and demand to the purchase price of the object to be examined. Referring to the left graph of FIG. 5 , it can be seen that comparative information of the market price increase rate of each eup, myeon, dong, and area is provided for a predetermined period. For example, the rising and falling seasons may be displayed in different colors corresponding to each submarket, and may be configured with different shades according to the rising rate. Here, if the rate of increase of the submarket to which the examination item belongs is higher than that of other submarkets, it can be determined that the uptrend is high in the period of price increase and low in the period of decline.

Referring to the graph on the right of FIG. 5 , an example in which jeonse and trading supply/demand ratio are provided can be seen. When the Jeonse supply and demand index on the vertical axis is greater than 100, it means that there is a lot of demand for Jeonse, and when the Jeonse supply and demand index on the horizontal axis is greater than 100, it means that the market is dominated by sellers. Points containing the supply/demand index information of the items to be examined by month may be configured in the graph, and the contrast may be increased in recent years, etc., so that the user can easily understand the time-series fluctuations of the supply/demand ratio.

The server 100 may provide the complex information of the complex to which the examination item belongs to the user terminal 200, and the complex information includes the distribution of real transaction prices of real estate in the complex for a preset period, the composition ratio by number of square feet, and comparison of market prices by number of square meters. Information, it may be to include at least one of the neighboring complex and comparison information.

Referring to FIG. 6 , an example of providing comparative information with nearby complexes will be described. First, a map composed of a predetermined range including the location of the object to be examined may be provided. When receiving an input for the search radius and equilibrium range from the user terminal 200, the radius corresponding to the input is displayed on the map, and the complexes included within the radius are automatically selected and an interface for selecting the comparison target complex is provided. It may be provided to the user terminal 200 . According to the input of the comparison target complex in the interface from the user terminal 200 , a comparison graph of the market price of the complex of the examination object and the comparison target complex and the price per unit area may be generated and provided to the user terminal 200 .

An example of market price analysis information was introduced with reference to each drawing, but it is not limited thereto, and users such as the annual increase rate of real estate prices by region unit, average sale price information by region unit, price distribution by real estate year, regional news of the location of the item being examined, etc. Any analysis information that can be effective data for market price identification and decision-making may be included as market price analysis information.

Referring back to FIG. 2 , in step S230 , the server 100 may analyze a risk for a mortgage loan related to an examination item and provide risk analysis information to the user terminal 200 .

Hereinafter, with reference to FIGS. 7 to 10, the provision of risk analysis information will be described in detail.

7 to 10 are exemplary views illustrating an example in which risk analysis information is provided to a user terminal according to an embodiment of the present invention.

First, referring to FIG. 7 , the server 100 is based on at least one of a risk analysis report 71 including a comprehensive risk analysis comment of an examination item and a region, area (= acreage), and time series related to the examination item. It is possible to provide a visualized graph to the user terminal 200 . A description related to this should be substituted for the contents described above in the market price analysis information.

According to an embodiment of the present invention, risk analysis information includes real estate quantity supply information, number of items for sale, number of actual transactions, market price, successful bid rate, population information, transaction turnover rate, and the complex to which the examination item is located within a predetermined administrative district in which the examination item is located. Information on the jeonse rate, transaction volume change, and comparison information of the real estate area composition and real estate price composition for each predetermined range in the region to which the item to be reviewed may be included.

In this regard, an embodiment in which risk analysis information is provided will be described with reference to the drawings. First, on the left side of FIG. 7, there is shown a graph in which the number of monthly sale items, the number of actual transactions, and the market price flow of equilibrium corresponding to the examination items for one year are analyzed. For example, when the graph shows a flow in which the number of items for sale decreases while the market price increases, the user may determine that the examination item exhibits a lock-in phenomenon. Conversely, if the number of items for sale is decreasing while the number of items for sale is increasing and maintained, the user may determine that there is a possibility of a downward price adjustment.

On the right side of FIG. 7, there is shown a graph of the change in the jeonse rate and the transaction volume of the complex to which the examination item belongs for three years. Points may be configured for each quarter in the graph, and according to a predetermined input of the user terminal 200, the effective values of the quarterly jeonse rate, trading volume, jeonse trading volume, and trading price corresponding to the point may be additionally provided. have. For example, when the graph shows the flow of increasing transaction volume, the user can predict the price increase, but if the real estate market is booming, the effect of locking and freezing transaction volume due to a predetermined regulation should be considered.

Referring to FIG. 8 , on the left side of FIG. 8 , there is shown a graph in which the successful bid rate of the sub-regional unit to which the examination item belongs is analyzed in a time series. For example, if the graph shows a generally upward trend with respect to the successful bid rate, the user may interpret the market participants as optimistic about the local value.

On the right side of FIG. 8, there is shown a graph in which the population distribution for each age section is analyzed compared to 5 years in the region to which the examination item belongs. Through this, the user can infer the characteristics of real estate demand in the corresponding area. For example, if there are many people in their teens and 40s, it can be judged that there is a high demand for educational facilities and medium-sized or larger flat housing. It can be judged as a place with high demand for large and small-sized flat housing.

Referring to FIG. 9 , on the left side of FIG. 9 , there is shown a graph in which the distribution of real estate by area in the complex to which the object to be examined belongs, the neighboring area, and the real estate in the upper area is analyzed. Through this, the user can grasp the degree of scarcity of the equilibrium of the examination object compared to the neighboring area and the upper area.

In addition, the server 100 receives, from a preset financial institution server, information on the lower limit, average price, and upper limit of the actual real transaction price for each region to which the item to be examined belongs, and based on this, sets a predetermined real transaction price section, and for a preset period The market price prediction information 91 representing the distribution of the generated actual transaction price through the actual transaction price section may be provided to the user terminal 200 . On the right side of FIG. 9 , a graph 91 related thereto is shown. Through this price prediction information 91, the user can grasp the change direction and intensity of the actual transaction price related to the item to be examined. For example, if there are many transactions in the range above the average price, it can be understood that the price uptrend is dominant.

Meanwhile, the server 100 may analyze a predetermined evaluation index 101 for the examination item based on the risk analysis information and provide it to the user terminal 200 . In addition, the server 100 may calculate an evaluation index score by analyzing the evaluation index 101 , visualize the calculated evaluation index score in a predetermined shape, and provide it to the user terminal 200 . That is, the server 100 converts the risk analysis information into a predetermined evaluation index 101 that can be a component of the examination criteria and provides it, so that the user can manage the loan risk more objectively and quickly. can present

Referring to FIG. 10 , the evaluation index 101 based on risk analysis information may be composed of liquidity, volatility, and stability items. The server 100 may calculate and provide an evaluation index score according to a preset operation corresponding to each item. For example, for liquidity, auction information, sale information, transaction turnover, and actual demand index such as the successful bid rate of the inspected item are applied, volatility is applied to the rate of change in the real estate market price of the inspected item and the location of the inspected item, and stability is the current status of the inspected item. It can be calculated according to the calculation in which the market price, the set amount of the senior bond, the borrower's loan amount, and the desired loan amount are applied. This evaluation index 101 may be provided as included in the outline menu within the platform according to an embodiment of the present invention, and as the evaluation index score is configured in a predetermined visual shape, the user can determine the level of risk for loan of examination items. can be seen with the eye.

On the other hand, if the overview menu is briefly introduced, the most important information may be included in the real estate mortgage loan review. For example, since the loan amount is the most realistic factor from the point of view of institutions and individuals, information related to market prices of items to be examined directly related thereto may be configured in the overview menu. In addition, since loan-related risk management is very important, auction information including the above-described evaluation index and expected successful bid price of collateral may be configured.

Next, referring to FIG. 2 , in step S240 , the server 100 may calculate the appropriate market price and loanable amount of the examination item based on the market price analysis information and the risk analysis information and provide it to the user terminal 200 . In this regard, the content to which a predetermined machine learning is applied will be substituted for the above description.

11 is an exemplary diagram in which an appropriate market price and loanable amount of an examination item and a predetermined user interface related thereto are provided according to an embodiment of the present invention.

Referring to FIG. 11 , first, the server 100 provides the appropriate market price 111 and the loanable amount 112 of the examination item calculated by itself to the user terminal 200 . In addition, a predetermined loan information input interface may be provided, and the loanable amount may be automatically changed according to an input corresponding thereto of the user terminal 200 .

The loan information input interface may include an interface related to collateral, an interface related to an examination agency, and an interface related to the borrower. First, the appropriate value of the collateral may be determined according to the input of the user terminal 200 of the interface related to the collateral. Specifically, when the collateral is successful in the auction, the amount is repaid according to a preset order, so it is necessary to deduct it from the fair market price of the item to be examined. For example, if the inspected property is leased, the right to repay the rental deposit and the small deposit according to the region, amount, and deductible is recognized first, so the corresponding amount should be excluded from the value as collateral. In addition, prior to entering into a security contract with an examination agency, there is a priority claim according to a pre-concluded contract, and based on this, there is a limited right or a registered claim in the examination item. If there is a right to receive it, the maximum amount of the receivable corresponding to the senior receivable shall be excluded from the value of the collateral. In this way, the server 100 provides the deposit input interface and the senior receivable amount input interface 114 to the user terminal 200, receives the input, and deducts the amount corresponding to the input from the previously calculated loanable amount. The operation can be performed, and accordingly, the loanable amount can be automatically changed and provided to the user terminal 200 .

On the other hand, in the past, the user conducting the examination had to collect information on senior receivables or limited property rights through separate tasks such as requesting a certified copy of the register from the borrower or separately accessing the real estate-related agency server. In this case, a considerable amount of time and effort is consumed, and depending on the type of senior receivables, depending on the type, it may not be related to the auction of the items to be examined. According to an embodiment of the present invention, in order to compensate for this problem, the server 100 collects the registered copy information of the examination object in advance, provides it to the user terminal 200, and provides a predetermined restricted property right input interface 121. may be additionally provided.

12 is an exemplary diagram in which registration information and a restricted property right input interface of an examination object are provided according to an embodiment of the present invention.

Referring to Figure 12, an embodiment for the provision of a certified copy of the register is shown. The user can browse the bonds such as restricted property rights and lease rights registered for the examination items in the order of setting. In addition, the canceled right, that is, the deleted right may be expressed differently and provided separately from the valid right.

Separately, since there may be a number of restricted property rights and senior receivables in some cases, the server 100 provides a summary of information on restricted property rights and senior receivables and a restricted property right input interface 121 that can selectively input them at the same time can provide The limited real estate input interface 121 may be configured in an area adjacent to the registered copy information, may be included in the senior receivable input interface 114, and may be provided in the form of a pop-up window. The user may view the right information configured in the restricted right input interface 121 and the maximum amount of receivables corresponding thereto, and select the senior receivable or restricted property to be applied to the value of the collateral. For example, it is possible to prevent adverse application to the borrower by excluding the deleted rights as well as the rights that do not affect the auction of the items to be reviewed according to their nature, such as exclusive rights or rights with limited distribution requests. have. The server 100 may receive the user's input as described above, and calculate the total amount of senior receivables by summing the maximum amount of receivables corresponding to the selected rights. The calculated total amount of senior receivables may be applied to automatically change the previously provided loanable amount.

That is, the user can conveniently view bonds such as limited property rights or lease rights registered for examination items using the platform of the present invention without additional investment of time and effort, and can quickly adjust the loanable amount can be done

According to an embodiment of the present invention, the input interface for the screening agency may be representative of a loan to value (LTV) compared to market price. The server 100 may basically provide the LTV through the existing senior loan and the new loan, but the number may be different depending on the nature of the financial institution. Accordingly, when the user inputs the LTV, the server 100 may receive it and automatically change the loanable amount based on the input LTV. Of course, LTV has been exemplified for the standard applied to the loan amount, but depending on the situation, other standards such as DTI and DSR may be formulated and applied.

According to an embodiment of the present invention, the input interface for the borrower may include an input interface for the borrower's mortgage loan application product information, loan hope amount, real estate secured loan information other than this secured loan, and other credit loan information. In addition, the user terminal 200 may receive credit rating, financial information, holding assets, income information, capital stability, etc. about the borrower from a credit-related institution server, and input it into the platform. The borrower-related information may be directly input by the user using an input interface for the borrower, or may be connected to the platform by receiving loan application information input by the borrower online.

That is, according to an embodiment of the present invention, according to the input of the user terminal 200 in the above-described loan information input interface, the final loanable amount can be derived. For example, the server 100 provides a loanable amount in advance based on the market price analysis information and the risk analysis information. Thereafter, when the server 100 receives an input related to the LTV, the total amount of senior receivables, and the deposit from the user terminal 200 , the server 100 may calculate the final loanable amount 112 by performing an operation corresponding thereto. Here, the calculation may be to subtract the total amount of senior bonds and the deposit to the value obtained by multiplying the extracted fair market price by the LTV. The server 100 may automatically change the calculated final loanable amount and provide it to the user terminal 200 .

Meanwhile, in step S240 , the server 100 may provide the user terminal 200 with an examination result input interface 113 including a score input menu corresponding to a preset collateral evaluation item. Referring to FIG. 11 , for example, the collateral evaluation item may consist of stability, currency value, and marketability items, and a score input menu corresponding to each item may be displayed in a predetermined shape and provided. The user can view the market price analysis information and risk analysis information and set a score for each item based on this. In addition, the maximum amount, balance, repayment method, repayment period, interest rate, number of delinquency, etc. for the senior receivables accompanying the examination item may be considered, or information related to the borrower such as the borrower's creditworthiness may be considered and reflected in the score.

However, based on the data analyzed in various ways, it is possible to set the score more transparently and clearly compared to the conventional collateral evaluation, but the difficulty of subjective judgment may still exist. In this regard, according to an embodiment of the present invention, the server 100 stores a certain level of accumulated data for a corresponding examination item or a collateral evaluation item of a real estate similar to the examination item previously input from another user terminal, such accumulation By analyzing the data and recommending the calculated score to the user terminal 200, it is possible to provide help in the user's reasonable evaluation of collateral. Specifically, for example, as described above, the server 100 may classify individual DBs by region, size, amount, etc., among them, the server 100 identifies the range to which the examination item belongs and real estate within the range. of individual DBs can be filtered first. Next, secondary filtering can be performed to remove real estate that does not have data on collateral evaluation items in the individual DB of the extracted real estate. Thereafter, after performing a task of limiting the secondary filtered real estate to a preset range in consideration of region, size, amount, etc., similar real estate may be finally selected. The server 100 may derive an average value through a predetermined calculation of the scores for the pre-entered collateral evaluation items of the examination item and the selected similar real estate, and may recommend it to the user terminal 100 . Also, according to an embodiment, the server 100 may calculate a difference value between the derived average value for each item and the evaluation score for each item previously input by the user terminal 100, and may additionally or separately provide it.

In a further embodiment, the server 100 may construct a learning model for collateral evaluation by performing predetermined machine learning in order to provide a more sophisticated recommendation. For example, the learning model searches the DB of examination items and real estate similar to examination items, extracts each piece of information used for market price analysis and risk analysis, and the amount to be deducted such as the total amount of senior receivables, and sets them as input values and deriving the score for the collateral evaluation item as an output value through a predetermined artificial neural network. In addition, the previously inputted score of an existing collateral evaluation item may also be set as an input value, and regression analysis in which the derived output value becomes an input value again may be grafted. The server 100 may provide the user terminal 200 with the collateral evaluation result derived by applying the input value for the examination item to the learning model constructed in this way. According to an embodiment of the present invention, the collateral evaluation score derived according to machine learning may be provided only when it is within a preset error range compared to the score input by the user in the score input menu. Therefore, it is possible to solve the problem of overfitting of machine learning and prevent user confusion. In addition, according to an embodiment, the difference between the collateral evaluation score derived according to machine learning and the evaluation score input by the user is provided for each item, thereby helping the user to make a rational decision.

In a further embodiment, the server 100 compares the possibility of passing the examination by item of the examination item based on at least one of the total real estate in the DB, the first filtered real estate, and the second filtered and extracted similar real estate. A simulation to evaluate can be performed. The relative evaluation score calculated according to the simulation result may be provided to the user terminal 200 together with or separately from the recommended score for each item. In addition, when the relative evaluation score for each item does not reach the preset minimum value, predetermined visual information indicating 'failure' may be additionally provided to the corresponding item. Through this, the user can check the relative recommendation score along with the absolute recommendation score calculated by analyzing the accumulated data, and can make a sophisticated decision. On the other hand, according to an embodiment, when the average value of each item of the relative evaluation score derived based on similar real estate does not reach a preset minimum value or exceeds a preset maximum value, the server 100 automatically examines the object to be examined. Accordingly, it is possible to additionally provide result information on whether or not the examination has passed in one area of the examination result input interface 113 .

Hereinafter, with reference to FIG. 13, the automatic examination of real estate mortgage loan according to an embodiment of the present invention will be described.

13 is a flowchart of a process in which an automatic real estate mortgage loan examination is performed according to an embodiment of the present invention.

First, in step S310, the user terminal 200 may select input with respect to a predetermined examination criterion. The evaluation criteria may refer to an evaluation index composed of an evaluation index based on the above-described risk analysis information, a preset individual index, and a predetermined external index. Here, the individual indicators may include the location, area, sales price, sales price per unit area, market price increase rate, actual transaction price increase rate, jeonse rate, successful bid price, transaction volume, supply quantity, population information, etc. of the item to be examined. Each of these individual indicators is given a basic set value corresponding to the examination item, and the process of comparing it with the average value for each complex and regional unit can be performed. can mean Accordingly, the user can determine whether to select each individual indicator as a screening criterion in consideration of the calculated statistical influence.

In addition, the external index may mean an absolute examination index for an examination item. For example, individual restrictions on items to be examined, including provisional seizure, restricted property rights, joint ownership, etc., and legal requirements including selection of an overheated speculation district, air defense deduction, LTV, etc. may be configured. have. In addition, predetermined analysis indicators that are automatically calculated or manually input through simulations performed in advance of various scenarios related to bond collection, such as auctions and successful bids, may be included.

In step S310 , the server 100 may set the final examination logic based on the examination criteria selected and input from the user terminal 200 . For example, by configuring a predetermined and function or or function according to the region, area, and amount of the examination object, the examination logic for determining whether the selected examination index simultaneously or selectively satisfies a preset criterion can be set. Through this examination logic, the server 100 may derive whether to approve the loan of the examination item. In addition, the server 100 performs the task of deriving a predetermined weight applied to the loanable amount and the loan interest rate by including a process in which special conditions such as provisional seizure registration in the examination logic are excluded according to the steps for the examination item. can Such final examination logic may be simultaneously applied to borrower examination and collateral examination, which will be described later, or may be separately set and applied.

In step S320 , the server 100 may receive the borrower's application product and personal information input from the user terminal 200 , search for and analyze predetermined borrower-related information, and perform the borrower test. For example, the borrower examination may be performed based on the input of the user terminal 200 in the interface for the above-described borrower. Also, as described above, the borrower-related information may include the current status of the borrower's credit rating, financial information, assets held, income information, and capital stability, etc., and the server 100 may directly receive it from the credit-related server and inquire . The server 100 may derive loan approval and interest rate conditions according to the borrower's examination.

In step S330 , the server 100 may receive an input for an examination item from the user terminal 200 and perform a security examination for deriving an appropriate market price and loanable amount of the examination item. A detailed description related to this will be provided in place of the above-mentioned content through steps S210 to S240. However, it may be finally confirmed by applying a weight according to the final examination logic to the collateral amount derived in S240.

In step S340, the server 100 may derive the final loan interest rate by inquiring the basic interest rate for the borrower's application product, and applying the weight calculated according to the final examination logic in the borrower examination and the collateral examination.

In step S350 , the server 100 may provide to the user terminal 200 whether the loan approval derived from the borrower examination, the collateral amount derived from the security examination, and the derived final loan interest rate are obtained.

In this way, as the loan examination result is automatically provided by the server 100, the inefficiency and inconvenience of the existing manual real estate mortgage loan are resolved, and the examination agency can reduce costs and time, and efficiently manage risk. , the borrowers can be provided with transparency and accuracy in the loan review process.

In a further embodiment, the server 100 identifies a product optimized for the borrower among loan products in the examination institution (= financial institution) based on the result of the automatic examination, and automatically configures it and provides it to the user terminal 200 can do. In this case, the constituted product is not limited to the real estate mortgage loan product, and other financial products may also be included. In addition, as an additional embodiment, if the loan repayment is made to some extent after the secured loan is made for the item to be reviewed, the server 100 is configured with a lower interest rate, but can satisfy the remaining repayment amount of the loan for the item under examination A new loan product may be guided to the user terminal 200 . In addition, when it is determined that the loan repayment for the item for review is normally performed, the server 100 may recommend another financial product configured with a higher limit suitable for the borrower to the user terminal 200 . Through this, the user provides the borrower with information on suitable loan products depending on the situation, thereby increasing the credit rating of the financial institution, earning additional revenue, and providing safer repayment and additional loan opportunities for the borrower. can

The real estate mortgage loan automatic examination platform providing apparatus according to an embodiment of the present invention may be configured to include a memory in which a program (or application) for performing the method of providing an automatic real estate mortgage loan automatic examination platform providing method is stored and a processor for executing the program have.

An embodiment of the present invention may also be implemented in the form of a recording medium including instructions executable by a computer, such as a program module to be executed by a computer. Computer-readable media can be any available media that can be accessed by a computer and includes both volatile and nonvolatile media, removable and non-removable media. Also, computer-readable media may include all computer storage media. Computer storage media includes both volatile and nonvolatile, removable and non-removable media implemented in any method or technology for storage of information such as computer readable instructions, data structures, program modules or other data.

Although the methods and systems of the present invention have been described with reference to specific embodiments, some or all of their components or operations may be implemented using a computer system having a general purpose hardware architecture.

The above description of the present invention is for illustration, and those of ordinary skill in the art to which the present invention pertains can understand that it can be easily modified into other specific forms without changing the technical spirit or essential features of the present invention. will be. Therefore, it should be understood that the embodiments described above are illustrative in all respects and not restrictive. For example, each component described as a single type may be implemented in a dispersed form, and likewise components described as distributed may be implemented in a combined form.

The scope of the present invention is indicated by the following claims rather than the above detailed description, and all changes or modifications derived from the meaning and scope of the claims and their equivalents should be interpreted as being included in the scope of the present invention. do.

100: server 200: user terminal

Claims (16)

In the method of providing a real estate mortgage loan automatic examination platform performed by a server,
(a) collecting and processing real estate-related information into preset categories;
(b) receiving an input of designating an examination item from a user terminal, analyzing a market price related to the examination item, and providing the price analysis information to the user terminal;
(c) analyzing the risk of the mortgage loan related to the examination item and providing risk analysis information to the user terminal; and
(d) calculating an appropriate market price and loanable amount of the examination item based on the market price analysis information and the risk analysis information and providing it to the user terminal;
including,
The market price analysis information and risk analysis information includes a visualized graph and a comprehensive analysis report based on at least one of region, area, and time series related to the examination item,
How to provide a real estate mortgage loan automatic review platform. The method of claim 1,
The graph of the price analysis information and the risk analysis information is composed of a set of a plurality of points having independent effective values,
When an input for the point is received from the user terminal, the effective value corresponding to the point is expressed as digitized information and provided to the user terminal,
How to provide a real estate mortgage loan automatic review platform. The method of claim 1,
Step (a) is,
performing machine learning to extract an appropriate market price and an appropriate mortgage amount for each real estate based on the collected real estate-related information; including,
In the machine learning, preset learning modeling is applied according to the region and size of real estate,
The real estate-related information includes real estate transaction information, but the real estate transaction information is pre-processed through a predetermined resampling technique.
How to provide a real estate mortgage loan automatic review platform. The method of claim 1,
Step (b) is,
Compare and analyze the sale price information and price change trend between the examination item and the real estate within a predetermined range within the area to which the examination item belongs, and compare the sale price comparison information and the price change ratio information of the examination item according to the price change trend. Including; providing to the user terminal;
The predetermined range within the area to which the examination object belongs is set based on subdivided administrative districts or a preset radius of the examination object,
How to provide a real estate mortgage loan automatic review platform. The method of claim 1,
Step (b) is,
Analyzing the market price trend and the actual transaction price trend of the examination item for a preset period, and providing trend comparison information comparing the market price trend and the actual transaction price trend to the user terminal;
The trend comparison information includes information on the difference between the market price and the actual transaction price of the examination item for each transaction that has been completed for the examination item, and transaction statistics information of the examination item for determining whether the current price of the examination item is appropriate. sign,
How to provide a real estate mortgage loan automatic review platform. The method of claim 1,
Step (b) is,
Providing the user terminal with complex information of the complex to which the examination item belongs, the rate of increase in sales price compared to the neighboring areas of real estate in a predetermined administrative district in which the examination object is located, and the ratio of purchase and demand to the jeonse of the examination object; ,
The complex information includes at least one of actual transaction price distribution of real estate in the complex for a preset period, composition ratio by pyeong, price comparison information by pyeong, and comparison information with neighboring complexes,
How to provide a real estate mortgage loan automatic review platform. The method of claim 1,
The risk analysis information includes real estate quantity supply information, number of items for sale, number of actual transactions, market price, successful bid rate, population information, transaction turnover, jeonse rate of the complex to which the examination item belongs, transaction volume change information and Comparison information of real estate equilibrium composition and real estate price composition for each predetermined range within the area to which the examination item belongs is included;
The predetermined range within the area to which the examination object belongs is set based on subdivided administrative districts or a preset radius of the examination object,
How to provide a real estate mortgage loan automatic review platform. The method of claim 1,
Step (c) is,
receiving, from a preset financial institution server, information on a lower limit, an average price, and an upper limit price of the actual real estate transaction price within a predetermined range within the region to which the examination item belongs; and
Based on the lower limit, average price, and upper limit information of the real real estate transaction price, a predetermined real transaction price interval is set, and market price prediction information indicating the distribution of actual transaction prices generated during a preset period through the actual transaction price interval is provided to the user terminal to do;
containing,
How to provide a real estate mortgage loan automatic review platform. The method of claim 1,
Step (c) is,
Including; analyzing the evaluation index for the examination item based on the risk analysis information and providing it to the user terminal;
The evaluation index is composed of liquidity, volatility, and stability items, and the evaluation index score calculated according to a preset operation corresponding to each item and the evaluation index score are visualized in a predetermined shape and provided to the user terminal,
The liquidity is applied to auction information, sale information, transaction turnover, and actual demand index of the examination item, the volatility is applied to the rate of change in the real estate market price of the examination item and location, and the stability is the current price and loan amount of the examination item , which is calculated according to the calculation in which the set amount of senior bonds and the desired loan amount are applied,
How to provide a real estate mortgage loan automatic review platform. The method of claim 1,
Step (d) is,
Including; providing a predetermined loan information input interface and an examination result input interface to the user terminal;
The examination result input interface includes a score input menu corresponding to a preset collateral evaluation item,
The loanable amount will be automatically changed according to the input of the user terminal in the loan information input interface,
How to provide a real estate mortgage loan automatic review platform. 11. The method of claim 10,
Step (d) is,
The user terminal by analyzing the accumulated data for the collateral evaluation item of the real estate similar to the examination item or the examination item previously input from another user terminal, and configuring a score determined based on the accumulated data analysis in the score input menu Including; but
In the case of real estate similar to the examination item, at least one criterion among the area, size and amount of the examination item falls within a preset similarity range,
How to provide a real estate mortgage loan automatic review platform. 12. The method of claim 11,
The process of analyzing the accumulated data uses a preset machine learning model,
The machine learning model takes as an input value at least one of the accumulated data, the price analysis information and risk analysis information of the real estate similar to the accumulated data, the examination item or the examination object, and uses the collateral evaluation score for the examination object as an output value,
The collateral evaluation score corresponding to the output value is provided to the user terminal when the user terminal is within a preset error range with the evaluation score input through the score input menu,
How to provide a real estate mortgage loan automatic review platform. 12. The method of claim 11,
calculating a difference value between the score determined based on the analysis of the accumulated data and the evaluation score input by the user terminal through the score input menu, and configuring the calculated difference value in the score input menu to provide the difference; containing,
How to provide a real estate mortgage loan automatic review platform. 12. The method of claim 11,
A step of performing a predetermined simulation for relative evaluation of the possibility of passing the examination for each collateral evaluation item of the examination item compared to the total real estate included in the database, and configuring the relative evaluation score calculated according to the execution result in the score input menu and providing it ; containing,
How to provide a real estate mortgage loan automatic review platform. 11. The method of claim 10,
Step (d) is,
providing the registered copy information of the examination item to the user terminal; and
Providing the user terminal with a restricted property right input interface capable of selectively inputting restricted property right information in the registered copy information;
The limited property right information is to include information on the senior claims registered in the register, and is divided into valid rights and deleted rights and provided to the user terminal,
The loanable amount is automatically changed by additionally applying the total amount of senior receivables calculated according to the selection input of the user terminal in the limited property right input interface,
How to provide a real estate mortgage loan automatic review platform. Real estate mortgage loan automatic examination platform providing device,
a memory in which a program for performing a real estate mortgage loan automatic examination platform providing method is stored; and
a processor for executing the program; and
The processor, by executing the program, collects and processes real estate-related information into a preset category,
Receive an input of designation of an examination item from a user terminal, analyze a market price related to the examination item, and provide market price analysis information to the user terminal,
Analyze the risk of the mortgage loan related to the examination item and provide risk analysis information to the user terminal,
Calculating the appropriate market price and loanable amount of the examination item based on the market price analysis information and the risk analysis information and providing it to the user terminal,
The market price analysis information and risk analysis information includes a visualized graph and a comprehensive analysis report based on at least one of region, area, and time series related to the examination item,
Real estate mortgage loan automatic review platform providing device.

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