KR20220163763A - System for estimating safety of real estate transaction and method thereof - Google Patents

Abstract

Disclosed are a real estate transaction safety evaluation system and a method thereof. The present invention provides a risk analysis result including information on expected total dividends, margins, deposits, senior bonds, etc. for a real estate of interest prior to real estate transaction execution, and thus it is possible to reduce a risk of a rental transaction and reduce the anxiety of a lessor according to provision of various information.

Description

System for estimating safety of real estate transaction and method thereof {System for estimating safety of real estate transaction and method thereof}

The present invention relates to a real estate transaction safety evaluation system and method thereof, and in particular, real estate transaction safety that provides risk analysis results including information on expected total dividends, margins, deposits, senior bonds, etc. for real estate of interest prior to real estate transaction execution It relates to an evaluation system and its method.

Real estate is property that cannot be moved, such as land or buildings.

In order to invest in such real estate, users check information on real estate using Internet registry office sites, Ministry of Land, Infrastructure and Transport sites, and real estate information providing sites.

The information checked by the user is general real estate listing information, and it is difficult to determine whether or not to invest in a specific real estate using the corresponding real estate listing information.

In addition, when the owner wants to trade real estate owned by the owner through monthly rent, jeonse, etc., it is difficult for the tenant who lacks knowledge about the real estate to properly check whether the deposit is protected before signing the contract in case of a problem with the real estate.

Korean Patent Publication No. 10-2021-0027776 [Title: Real Estate Price Estimation System and Method]

An object of the present invention is to provide a real estate transaction safety evaluation system and method for providing risk analysis results including information on expected total dividends, margins, deposits, senior bonds, etc. for a real estate of interest prior to real estate transaction execution.

Another object of the present invention is to provide a real estate transaction safety evaluation system and method for providing a risk analysis result of the real estate according to changes in the expected successful bid ratio against the published market price of the current real estate, deposit, senior bond, etc.

The real estate transaction safety evaluation method according to an embodiment of the present invention includes a real estate detailed information item, a polygonal risk analysis result item, an analysis result description item, and a calculator item in relation to real estate corresponding to an address selected by a user by a terminal. displaying an evaluation screen for; displaying, by the terminal, a calculator screen corresponding to the selected calculator item when the calculator item is selected from an evaluation screen displayed on the terminal; Other senior bonds and other guarantee amounts received by the terminal according to user input, and other expected total dividends based on other expected successful bid rates and published market prices related to the real estate, other margin intervals, the other guarantee amounts, and the other seniority Calculating bond and other risk analysis results including other ratings; and displaying, by the terminal, another calculated risk analysis result in a polygonal form.

The risk analysis result items according to an embodiment of the present invention may include information on the grade related to the real estate, the total amount of expected dividends, the margin period, the guaranteed amount, and senior bonds.

In the step of calculating the other risk analysis result according to an embodiment of the present invention, the other expected dividend is obtained by multiplying the published market price related to the real estate, the other expected successful bid rate, and a preset rate according to the building type related to the real estate. The process of calculating the total amount; calculating the other margin interval by subtracting the other senior bonds and the other guaranteed amount from the calculated total amount of other expected dividends; and calculating another grade for the different guaranteed amount based on the calculated different expected dividend total amount, the calculated different margin period, the other senior claim, and the different guaranteed amount.

When a preset jeonse deposit return guarantee item included in the evaluation screen according to an embodiment of the present invention is selected, displaying, by the terminal, a jeonse deposit return guarantee screen corresponding to the selected jeonse deposit return guarantee item. Further, the security deposit return guarantee screen may include information determining whether to subscribe to guarantee insurance and detailed cause explanation information.

When a preset original view item included in the evaluation screen according to an embodiment of the present invention is selected, real estate information, original request information, and identification information of the terminal corresponding to the selected original view item are transmitted by the terminal to the server. transmitting; Receiving, by the server, the real estate information transmitted from the terminal, the original request information, and identification information of the terminal; Retrieving, by the server, a registered copy corresponding to the real estate information from among a plurality of registered copies managed by the server; Transmitting, by the server, a copy of the register in the form of a file corresponding to the searched real estate information to the terminal; And it may further include displaying, by the terminal, a copy of the register in the form of a file transmitted from the server.

displaying, by the terminal, a self-diagnosis screen corresponding to the selected self-diagnosis list item when a preset self-diagnosis list item included in the evaluation screen according to an embodiment of the present invention is selected; and one or more pieces of information included in the displayed self-diagnosis screen to be paid attention to and checked by the real estate contractor before writing the contract, and one or more pieces of information to be paid attention to and checked by the real estate contractor after writing the contract, according to the user's selection. Checking the checked contents to display them in a deactivated state, and displaying the contents not checked by the user of the terminal as an active state, and the self-diagnosis screen is one thing that the real estate contractor should pay attention to and check before writing a contract. The above information and one or more information that the real estate contractor should pay attention to and check after the contract is drawn up may be included.

In the step of displaying the evaluation screen according to an embodiment of the present invention, when a preset search menu is selected from among the app execution result screens displayed on the terminal, the terminal retrieves information on real estate using address information. displaying a building register information search screen corresponding to the selected search menu in order to search; When receiving search request information including a plurality of input values corresponding to a plurality of input items according to a user input of the terminal on the building ledger information search screen displayed on the terminal, the terminal interworks with the server, displaying a registered search result list corresponding to the search request information; When a specific building management ledger is selected from the list of registration search results including information on one or more building management ledgers displayed on the terminal, the terminal determines the deposit amount for the real estate corresponding to the selected specific building management ledger. Displaying a deposit input screen for input; After a deposit amount is input according to a user input on the deposit input screen displayed on the terminal, when a preset confirmation menu displayed on one side of the deposit input screen is selected, the terminal communicates with the server and the payment server. Interlocking, performing a payment function for a pre-set fee in order to receive detailed information including a risk analysis result in relation to the real estate; receiving, by the terminal, an evaluation screen related to the real estate transmitted from the server after a payment function is normally performed; and displaying the received evaluation screen by the terminal.

The registered search result list according to an embodiment of the present invention may include at least one of unique information related to real estate corresponding to the search request information, classification, state, and real estate address number.

The real estate transaction safety evaluation system according to an embodiment of the present invention displays an evaluation screen including a real estate detailed information item, a polygonal risk analysis result item, an analysis result description item, and a calculator item in relation to real estate corresponding to an address selected by a user. server providing; and a terminal displaying the evaluation screen provided from the server.

As an example related to the present invention, the terminal displays a calculator screen corresponding to the selected calculator item when the calculator item is selected on the displayed evaluation screen, and other senior receivables and other guarantee amounts received according to user input. And based on the other expected successful bid ratios and published market prices related to the real estate, calculate other risk analysis results including other total expected dividends, other margin intervals, the other guarantee amounts, the other senior bonds, and other ratings, and the calculated Other risk analysis results can be displayed in polygonal form.

The present invention reduces the risk of rental transactions by providing risk analysis results including information on expected total dividends, margins, deposits, senior bonds, etc. for the real estate of interest prior to real estate transaction execution, thereby reducing the lessor's anxiety due to the provision of various information. has the effect of reducing

In addition, the present invention confirms the exact situation according to the rental transaction under various conditions by providing the risk analysis result of the real estate according to the change in the expected successful bid ratio against the published market price of the current real estate, deposit, senior bond, etc. It has the effect of providing various information for face-to-face contracts.

1 is a block diagram showing the configuration of a real estate transaction safety evaluation system according to an embodiment of the present invention.
2 and 3 are flowcharts illustrating a real estate transaction safety evaluation method according to an embodiment of the present invention.
4 to 20 are diagrams illustrating examples of screens displayed on a terminal according to an embodiment of the present invention.

It should be noted that technical terms used in the present invention are only used to describe specific embodiments and are not intended to limit the present invention. In addition, technical terms used in the present invention should be interpreted in terms commonly understood by those of ordinary skill in the art to which the present invention belongs, unless specifically defined otherwise in the present invention, and are excessively inclusive. It should not be interpreted in a positive sense or in an excessively reduced sense. In addition, when the technical terms used in the present invention are erroneous technical terms that do not accurately express the spirit of the present invention, they should be replaced with technical terms that those skilled in the art can correctly understand. In addition, general terms used in the present invention should be interpreted as defined in advance or according to context, and should not be interpreted in an excessively reduced sense.

Also, singular expressions used in the present invention include plural expressions unless the context clearly dictates otherwise. Terms such as "consisting of" or "comprising" in the present invention should not be construed as necessarily including all of the various elements or steps described in the invention, and some of the elements or steps may not be included. It should be construed that it may, or may further include additional components or steps.

In addition, terms including ordinal numbers such as first and second used in the present invention may be used to describe components, but components should not be limited by the terms. Terms are used only to distinguish one component from another. For example, a first element may be termed a second element, and similarly, a second element may be termed a first element, without departing from the scope of the present invention.

Hereinafter, preferred embodiments according to the present invention will be described in detail with reference to the accompanying drawings, but the same or similar components are given the same reference numerals regardless of reference numerals, and redundant description thereof will be omitted.

In addition, in describing the present invention, if it is determined that a detailed description of a related known technology may obscure the gist of the present invention, the detailed description will be omitted. In addition, it should be noted that the accompanying drawings are only for easily understanding the spirit of the present invention, and should not be construed as limiting the spirit of the present invention by the accompanying drawings.

1 is a block diagram showing the configuration of a real estate transaction safety evaluation system 10 according to an embodiment of the present invention.

As shown in FIG. 1, the real estate transaction safety evaluation system 10 is composed of a terminal 100 and a server 200. Not all of the components of the real estate transaction safety evaluation system 10 shown in FIG. 1 are essential components, and the real estate transaction safety evaluation system 10 may be implemented by more components than those shown in FIG. And, the real estate transaction safety evaluation system 10 may also be implemented with fewer components.

The terminal 100 includes a smart phone, a portable terminal, a mobile terminal, a foldable terminal, a personal digital assistant (PDA), and a portable multimedia device (PMP). Player terminal, telematics terminal, navigation terminal, personal computer, notebook computer, slate PC, tablet PC, ultrabook, wearable device Device, for example, watch type terminal (Smartwatch), glass type terminal (Smart Glass), HMD (Head Mounted Display), etc.), Wibro terminal, IPTV (Internet Protocol Television) terminal, smart TV, digital broadcasting It can be applied to various terminals such as terminals, audio video navigation (AVN) terminals, audio/video (A/V) systems, flexible terminals, digital signage devices, and the like.

The server 200 may be implemented in the form of a web server, database server, or proxy server. In addition, one or more of a network load balancing mechanism and various software enabling the corresponding server 200 to operate on the Internet or other networks may be installed in the server 200, which may be implemented as a computerized system. can Also, the network can be an http network, a private line, an intranet or any other network. Furthermore, the connection between the terminal 100 and the server 200 may be connected through a secure network to prevent data from being attacked by any hacker or other third party. In addition, the server 200 may include a plurality of database servers, and these database servers may be implemented in a manner that is separately connected to the server 200 through any type of network connection including a distributed database server architecture. have.

Each of the terminal 100 and the server 200 includes a communication unit (not shown) for performing communication functions with other terminals, a storage unit (not shown) for storing various information and programs (or applications), and various A display unit (not shown) for displaying information and program execution results, an audio output unit (not shown) for outputting audio information corresponding to the various information and program execution results, and controlling various components and functions of each terminal. It may include a control unit (not shown) and the like.

The terminal 100 communicates with the server 200 and the user terminal 300 . At this time, the terminal 100 may be a terminal possessed by the user for checking transaction safety of real estate to be traded.

In addition, the terminal 100 has a real estate information search function, a real estate information check function, additional information check function, etc. Register as a user to receive the service, and register personal information, personal information handling consent information, etc. in the server 200. At this time, the personal information includes ID, e-mail address, password (or password), name, gender, date of birth, contact information, address, and the like. In addition, the personal information handling agreement information includes whether to receive SMS, whether to receive e-mail, whether to agree to the terms of use, whether to agree to the privacy policy, etc.

In addition, the terminal 100 may register as a user in the server 200 using SNS account information or mobile messenger account information to which the user of the corresponding terminal 100 has joined. Here, the SNS account may be information related to Facebook, Twitter, Kakao Story, Naver, PAYCO, and the like. In addition, the mobile messenger account is information related to KakaoTalk, line, viber, wechat, whatsapp, telegram, snapchat, etc. can

In addition, when performing the membership sign-up process, the terminal 100 must complete the authentication function through a user authentication means (eg, mobile phone, credit card, i-PIN, etc.) to properly perform the member sign-up process for the server 200. can be completed

In addition, after membership registration is completed, the terminal 100 downloads a dedicated app (or application/application program/specific app) provided from the server 200 in order to use the service provided by the server 200. It is installed in the terminal 100. In this case, the dedicated app may be an app for performing a real estate information search function, a real estate information check function, and an additional information check function.

In addition, the terminal 100 executes a dedicated app pre-installed in the corresponding terminal 100 and displays an app execution result screen according to the execution of the dedicated app. At this time, the app execution result screen is a search menu (or item/button) for searching information on real estate using address information, a favorites menu for providing information on one or more real estate registered in favorites, real estate Details menu to provide information on one or more properties for which the risk analysis results have been confirmed, map menu to provide brief information on one or more properties registered in advance in the form of a map, additional menu to provide various additional information, etc. includes Here, the terminal 100 is registered as a member of the server 200 providing the corresponding dedicated app, and executes the dedicated app using an ID and password according to membership registration, a barcode or QR code including the ID, and the like. By performing a log-in procedure, one or more functions (eg, real estate information search function, real estate information check function, additional information check function, etc.) of the dedicated app may be performed. In addition, the additional menu includes a user information item, a query history item, a favorites item, a customer center item, a contract item, a charge item, and a login/logout item.

In addition, when a preset search menu is selected from among the app execution result screens displayed on the terminal 100, the terminal 100 uses address information to search information on real estate, corresponding to the selected search menu. Displays the building register information search screen. Here, the building ledger information search screen includes an address input menu for receiving address information, a search result menu for displaying building ledger information search results related to the input address information, and a search record delete menu for deleting search records. include

In addition, a search including a plurality of input values corresponding to a plurality of input items according to a user input (or user selection/touch/control) of the terminal 100 on the building ledger information search screen displayed on the terminal 100 When request information is received, the terminal 100 interworks with the server 200 and displays a registered search result list corresponding to the search request information. Here, the search request information includes a name, a lot number, a road name, a building number, and a detailed address (eg, a building, a house number, etc.). In addition, the registration search result list includes unique information (or unique code) related to the real estate corresponding to the search request information, classification (including, for example, collective building, general building, etc.), state (or registration record state) (eg For example, including current, closed, current + closed, etc.), real estate location number, etc.

That is, a search including a plurality of input values corresponding to a plurality of input items according to a user input (or user selection/touch/control) of the terminal 100 on the building ledger information search screen displayed on the terminal 100. When receiving request information, the terminal 100 transmits the received search request information and identification information of the terminal 100 to the server 200 . Here, the identification information of the terminal 100 includes MDN (Mobile Directory Number), mobile IP, mobile MAC, Sim (subscriber identity module: subscriber identity module) card-specific information, serial number, and the like.

When a building management ledger related to the search request information is not searched among a plurality of building management ledgers managed by the corresponding server 200, the terminal 100 receives information from the server 200 in response to the previously transmitted search request information. Information indicating that the building management ledger related to the transmitted search request information is not searched is received.

In addition, the terminal 100 displays (or outputs) information indicating that the building management ledger related to the received search request information has not been searched.

When a building management ledger related to the search request information is searched among a plurality of building management ledgers managed by the corresponding server 200, the terminal 100 transmits from the server 200 in response to the previously transmitted search request information. The registered search result list is received.

In addition, the terminal 100 displays the received registration search result list.

In addition, when a specific building management ledger (or information on a specific building management ledger/specific registration search result) is selected from the list of registration search results including information on one or more building management ledgers displayed on the terminal 100, The terminal 100 displays a deposit input screen for inputting a deposit amount (or deposit) for real estate corresponding to the selected specific building management ledger. Here, the deposit input screen inputs map information related to the address corresponding to the specific building management ledger that has been inquired, a bookmark addition menu for adding favorites to the real estate (or address) corresponding to the specific building management ledger, and deposit. It includes a deposit input menu to receive, a building type menu to display information about the building type, and a confirmation menu to receive risk analysis results for real estate corresponding to the specific building management ledger.

In addition, after the deposit amount is input according to the user input on the deposit input screen displayed on the terminal 100, a preset confirmation menu (or safe real estate confirmation menu) displayed on one side of the deposit input screen is selected In this case, the terminal 100 interworks with the server 200 and a payment server (not shown) to provide a payment function for a preset fee in order to receive detailed information including a risk analysis result related to the real estate. carry out At this time, in the case of the payment method, card payment, automatic transfer through linkage of the bank's payment account, payment using cash equivalent points or cash remaining in the account of the terminal 100 subscribed to the server 200, Kakao Pay, It includes simple payment including Naver Pay and the like. In addition, the server 200 may perform a payment function through an escrow function in order to relieve the user's anxiety until the user of the corresponding terminal 100 is actually provided with information.

If the payment function fails, the terminal 100 includes payment failure information transmitted from the server 200 (for example, payment date, payment amount, failure information (including, for example, balance shortage, limit exceeding, etc.), etc.) (or information indicating that the payment has failed) is received, and the received payment failure information (including, for example, payment date, payment amount, failure information (including, for example, insufficient balance, exceeding limit, etc.), etc.) (or payment displays (or outputs) information indicating that is in a failed state.

In addition, when the payment function is normally performed, the terminal 100 receives a result of performing the payment function transmitted from the server 200 and displays (or outputs) the received result of performing the payment function. Here, the result of performing the payment function includes information on real estate paid by the user of the corresponding terminal 100, payment amount, payment date and time information, and the like.

In addition, the terminal 100 receives an evaluation screen related to the real estate transmitted from the server 200 after the payment function is normally performed. Here, the evaluation screen (or real estate evaluation screen/assessment information/safe real estate detailed information) includes real estate detailed information items (eg, location, use of building, exclusive area, house price/house market price information, etc.), view original item (For example, including viewing/downloading the original certified copy of the register in PDF format), polygonal risk analysis result items (including, for example, rating, total expected dividend, margin, guarantee amount, senior receivables, etc.), analysis result description It includes item, calculator item, self-diagnosis list item, jeonse deposit return guarantee item, deposit safe loan guarantee item, etc. In addition, the risk analysis result items are configured in various polygonal shapes such as a building-shaped three-dimensional hexahedron and a three-dimensional polygon. In addition, the above rating (or safety rating/safe real estate rating) includes information on whether or not the corresponding guarantee amount can be properly returned based on the total amount of expected dividends, margin, senior receivables, guarantee amount, etc. Includes equipment required, caution hazards, etc. Here, the safety level indicates a case in which the entire deposit can be compensated through an auction in the worst case (eg, when the house is auctioned due to the landlord's default), and the safety device required level is a separate It indicates the case of "safety" only when the leasehold right is set up at cost, and the caution level indicates the case where there is a possibility that part of the deposit will not be reimbursed in the worst case, and the risk level indicates that the entire deposit will not be reimbursed in the worst case. Indicates a case where there is a probability of failure. In addition, the senior claim (or the amount of the senior claim) may be information extracted from the original copy of the registered register related to the real estate. In addition, the analysis result explanation item includes an explanation (or comment) on the safety of the real estate based on various information related to the real estate.

Also, the terminal 100 displays the received evaluation screen.

In addition, when a preset original view item is selected from the evaluation screen displayed on the terminal 100, the terminal 100 interworks with the server 200 to display the original copy of the registered register related to the real estate or the corresponding real estate. Download to the terminal 100.

That is, when a preset original view item is selected from the evaluation screen displayed on the terminal 100, the terminal 100 displays real estate information (or address information) corresponding to the selected original view item, original request information, and the The identification information of the terminal 100 is transmitted to the server 200 .

In addition, the terminal 100 receives a file-type copy of the register transmitted from the server 200 in response to previously transmitted real estate information, original request information, and the like.

In addition, the terminal 100 displays the received certified copy of the register. At this time, the terminal 100 may store the received copy of the register in the corresponding terminal 100 according to user settings.

In addition, when a preset calculator item is selected from the evaluation screen displayed on the terminal 100, the terminal 100 displays a calculator screen corresponding to the selected calculator item. Here, the calculator screen (or real estate appraisal calculator screen) displays a building type display item for displaying (or inputting/selecting) a building type related to the real estate and an official market price (or official market price) related to the real estate. Announced market price display item (or publicly announced price display item) for (or input), expected successful bid ratio input item to input the expected successful bid ratio related to the real estate, senior bond input item to input the amount of the senior bond related to the real estate , It includes a guarantee amount input item for inputting the guarantee amount related to the real estate, and a calculation item for calculating the degree of risk. At this time, when the calculator item is selected, the terminal 100 displays information related to the previously selected real estate (eg, building type, publicly announced market price, expected successful bid ratio, senior bonds, etc.) on the calculator screen by default. can do.

In addition, when receiving a plurality of other input values including an expected successful bid ratio, a senior receivable (or a senior receivable amount), a guarantee amount, etc. according to a user input of the terminal 100, the terminal 100 receives the received Calculate different risk analysis results based on a plurality of different input values and the published market price related to the real estate. Here, the other risk analysis result is the total amount of expected dividends (or the total amount of other expected dividends), margin (or other margin), guarantee amount (or other guarantee amount), senior bonds (or other senior bonds), rating (or other ratings/other safety ratings), etc. At this time, the terminal 100 may be configured to receive input of the seniority bond, the guarantee amount, etc. as essential elements, and the expected successful bid ratio, etc. may be configured to be input as an option (or optional option). In addition, when the expected successful bid rate, which is an optional item, is not input, the terminal 100 may use a preset (or default set) expected successful bid rate according to the building type of the corresponding real estate.

That is, when receiving a plurality of different input values including the expected successful bid ratio, senior receivables (or senior receivables amount), guarantee amount, etc. according to the user input of the terminal 100, the terminal 100 receives the following [ According to Equation 1], the total expected dividend is calculated (or calculated).

Here, the expected successful bid rate may be set to 103% in the case of an apartment, 80% to 90% in the case of a villa, 80% in the case of an officetel, and the like, and may be set in various ways according to the designer's design. In addition, the ratio according to the building type (or the ratio preset corresponding to the building type/other cost) may be set to about 20%, and may be set in various ways according to the designer's design.

In addition, the terminal 100 calculates (or calculates) a margin period (or a margin period amount) according to the following [Equation 2].

In addition, the terminal 100 calculates (or confirms) a grade (or safety grade) for the corresponding guarantee amount based on the calculated total amount of expected dividends, the calculated margin period, the senior receivables, the guarantee amount, etc. .

In addition, the terminal 100 displays the calculated other risk analysis result in a polygonal form. At this time, the terminal 100 compares the previously calculated risk analysis result and the other risk analysis result calculated at the current time to confirm the result, the previously calculated risk analysis result and the other risk calculated at the current time. Analysis results can also be displayed together.

In an embodiment of the present invention, based on a plurality of other input values according to user input and the published market price in real time at the terminal 100, other values including the total amount of expected dividends, margin period, guarantee amount, senior receivables, ratings, etc. Calculating the risk analysis result has been described, but is not limited thereto, and the terminal 100 provides the received plurality of different input values to the server 200, and the server 200 calculates the other input values. Risk analysis results can also be provided and displayed.

In addition, when a preset self-diagnosis list item is selected from among the evaluation screens displayed on the terminal 100, the terminal 100 displays a self-diagnosis screen corresponding to the selected self-diagnosis list item. Here, the self-diagnosis screen includes one or more pieces of information that a real estate contractor (including lessors, etc.) should pay attention to and check before and after writing a contract.

In addition, the terminal 100 is a corresponding terminal ( 100), the user (or real estate contractor) of the terminal 100 confirms (or processes) the content checked and displayed in an inactive state (for example, displayed in gray text) according to the user selection of the terminal 100, and the corresponding terminal ( 100), the user's unconfirmed content (or unprocessed content) can be displayed in an active state (for example, displayed in black text).

In addition, when a preset jeonse deposit return guarantee item is selected from among the evaluation screens displayed on the terminal 100, the terminal 100 displays a jeonse deposit return guarantee screen corresponding to the selected jeonse deposit return guarantee item. Here, the jeonse deposit return guarantee screen is information on whether or not to sign up for guarantee insurance (including, for example, application possibility, application impossibility, etc.), cause detailed explanation information (eg type, infringement of rights, conditions for deposit amount, charter loan, contract period, real estate agent, transfer report, etc.), etc.

In addition, when a preset deposit security loan guarantee item is selected from among the evaluation screens displayed on the terminal 100, the terminal 100 displays a deposit security loan guarantee screen corresponding to the selected deposit security loan guarantee item. Here, the security deposit loan guarantee screen includes information related to the deposit loan.

At this time, the terminal 100 displays a self-diagnosis screen corresponding to the selected item, returns the deposit deposit, according to the selection of a preset self-diagnosis list item, deposit security deposit return guarantee item, deposit safe loan guarantee item, etc. on the evaluation screen. A guarantee screen, deposit security loan guarantee screen, etc. may be received from the server 200 and displayed.

In the embodiment of the present invention, it is described that the terminal 100 performs a real estate information search function, a real estate information check function, and an additional information check function in the form of a dedicated app, but is not limited thereto. The real estate information search function, the real estate information check function, and the additional information check function may be performed through a website provided by the server 200 .

The server 200 communicates with the terminal 100 and the like.

In addition, the server 200 performs a membership sign-up procedure for users of the terminal 100 and the like.

In addition, the server 200 registers personal information related to the user of the terminal 100 and the like. At this time, the server 200 may register (or manage) corresponding personal information, corresponding personal information handling agreement information, etc. in a DB server (not shown).

In addition, the server 200 performs a member management function for users such as the terminal 100 .

In addition, the server 200 provides a dedicated app and/or website that provides a real estate information search function, a real estate information confirmation function, and an additional information confirmation function to the terminal 100 and the like.

In addition, the server 200 provides a bulletin board function for announcements, events, and the like.

In addition, when the terminal 100 performs access (or login function) using an ID and password through a dedicated app or website provided by the corresponding server 200, the server 200 performs the ID and password After performing the authentication process for , if authentication is normally completed, access of the corresponding terminal 100 is permitted (or managed).

In addition, the server 200 manages (or stores) a building management ledger, a certified copy of a register, and the like for one or more addresses.

In addition, a search including a plurality of input values corresponding to a plurality of input items according to a user input (or user selection/touch/control) of the terminal 100 on the building ledger information search screen displayed on the terminal 100 When request information is received, the server 200 interworks with the terminal 100 and provides (or transmits) a registered search result list corresponding to the corresponding search request information to the terminal 100 . Here, the search request information includes a name, a lot number, a road name, a building number, and a detailed address (eg, a building, a house number, etc.). In addition, the registration search result list includes unique information (or unique code) related to the real estate corresponding to the search request information, classification (including, for example, collective building, general building, etc.), state (or registration record state) (eg For example, including current, closed, current + closed, etc.), real estate location number, etc.

That is, a search including a plurality of input values corresponding to a plurality of input items according to a user input (or user selection/touch/control) of the terminal 100 on the building ledger information search screen displayed on the terminal 100. When receiving request information, the server 200 receives search request information transmitted from the terminal 100 , identification information of the terminal 100 , and the like.

In addition, the server 200 searches (or checks) one or more building management ledgers related to the received search request information among a plurality of building management ledgers managed by the corresponding server 200 . At this time, the server 200 may search one or more building management ledgers related to the search request information in association with the Republic of Korea Government 24 server (not shown) that manages real-time issuance of the building management ledger.

As a result of the search (or as a result of the confirmation), when a building management ledger related to the received search request information is not searched among a plurality of building management ledgers managed by the corresponding server 200, the server 200 sends the search request Information indicating that the building management ledger related to the information is not searched is transmitted to the terminal 100 .

In addition, when one or more building management ledgers related to the received search request information are searched among a plurality of building management ledgers managed by the server 200 as a result of the search (or the confirmation result), the server 200 A registered search result list including information on one or more building management ledgers related to the retrieved (or confirmed) search request information is generated.

In addition, the server 200 transmits the generated registration search result list to the terminal 100 .

In addition, after the deposit amount is input according to the user input on the deposit input screen displayed on the terminal 100, a preset confirmation menu (or safe real estate confirmation menu) displayed on one side of the deposit input screen is selected In this case, the server 200 interworks with the terminal 100 and the payment server to perform a payment function for a preset fee in order to receive detailed information including a risk analysis result related to the real estate. At this time, in the case of the payment method, card payment, automatic transfer through linkage of the bank's payment account, payment using cash equivalent points or cash remaining in the account of the terminal 100 subscribed to the server 200, Kakao Pay, It includes simple payment including Naver Pay and the like. In addition, the server 200 may perform a payment function through an escrow function in order to relieve the user's anxiety until the user of the corresponding terminal 100 is actually provided with information.

If the payment function fails, the server 200 includes payment failure information (eg, payment date, payment amount, failure information (including, for example, insufficient balance, exceeding limit, etc.)) (or indicating that the payment has failed). information) is provided to the terminal 100.

In addition, after the payment function is normally performed, the server 200 transmits the result of performing the payment function transmitted from the payment server to the terminal 100 . Here, the result of performing the payment function includes information on real estate paid by the user of the corresponding terminal 100, payment amount, payment date and time information, and the like.

In addition, after the payment function is normally performed, the server 200 provides (or transmits) an evaluation screen related to the real estate to the terminal 100 . Here, the evaluation screen (or real estate evaluation screen/assessment information/safe real estate detailed information) includes real estate detailed information items (eg, location, use of building, exclusive area, house price/house market price information, etc.), view original item (For example, including viewing/downloading the original certified copy of the register in PDF format), polygonal risk analysis result items (including, for example, rating, total expected dividend, margin, guarantee amount, senior receivables, etc.), analysis result description It includes item, calculator item, self-diagnosis list item, jeonse deposit return guarantee item, deposit safe loan guarantee item, etc. In addition, the risk analysis result items are configured in various polygonal shapes such as a building-shaped three-dimensional hexahedron and a three-dimensional polygon. In addition, the above rating (or safety rating/safe real estate rating) includes information on whether or not the corresponding guarantee amount can be properly returned based on the total amount of expected dividends, margin, senior receivables, guarantee amount, etc. Includes equipment required, caution hazards, etc. Here, the safety level indicates a case in which the entire deposit can be compensated through an auction in the worst case (eg, when the house is auctioned due to the landlord's default), and the safety device required level is a separate It indicates the case of "safety" only when the leasehold right is set up at cost, and the caution level indicates the case where there is a possibility that part of the deposit will not be reimbursed in the worst case, and the risk level indicates that the entire deposit will not be reimbursed in the worst case. Indicates a case where there is a probability of failure.

In addition, when a preset original viewing item is selected from among the evaluation screens displayed on the terminal 100, the server 200 interworks with the terminal 100 to display the original registered copy related to the real estate to the terminal 100. ) to (or transmit).

That is, when a preset original view item is selected from the evaluation screen displayed on the terminal 100, the server 200 transmits the real estate information (or address information) transmitted from the terminal 100 and the original request information. , identification information of the terminal 100, etc. are received.

In addition, the server 200 checks (or searches for) a registered copy corresponding to the received real estate information among a plurality of registered copies managed by the corresponding server 200 . At this time, the server 200 checks the registered copy corresponding to the real estate information in conjunction with the Korean court Internet registry office registration reading issuance server (not shown) that manages the real-time issuance of the certified copy of the register, and the confirmed real estate information. A certified copy of the register corresponding to may be downloaded to the corresponding server 200 .

In addition, the server 200 transmits a copy of the registered register in the form of a file corresponding to the confirmed (or searched) corresponding real estate information to the terminal 100 .

In addition, the server 200 provides the terminal 100 with screens (or information) related to the execution of the function according to the execution of various functions in the terminal 100 .

In this way, a risk analysis result including information on the expected total amount of dividends, margin period, deposit, senior bonds, etc. may be provided for the real estate of interest before the real estate transaction is performed.

In addition, in this way, it is possible to provide risk analysis results of the real estate according to changes in the expected successful bid ratio against the current published market price of the real estate, deposits, senior bonds, and the like.

Hereinafter, the real estate transaction safety evaluation method according to the present invention will be described in detail with reference to FIGS. 1 to 20.

2 and 3 are flowcharts illustrating a real estate transaction safety evaluation method according to an embodiment of the present invention.

First, the terminal 100 executes a dedicated app pre-installed in the corresponding terminal 100 and displays an app execution result screen according to the execution of the dedicated app. At this time, the app execution result screen is a search menu (or item/button) for searching information on real estate using address information, a favorites menu for providing information on one or more real estate registered in favorites, real estate Details menu to provide information on one or more properties for which the risk analysis results have been confirmed, map menu to provide brief information on one or more properties registered in advance in the form of a map, additional menu to provide various additional information, etc. includes Here, the terminal 100 is registered as a member of the server 200 providing the corresponding dedicated app, and executes the dedicated app using an ID and password according to membership registration, a barcode or QR code including the ID, and the like. By performing a log-in procedure, one or more functions (eg, real estate information search function, real estate information check function, additional information check function, etc.) of the dedicated app may be performed. In addition, the additional menu includes a user information item, a query history item, a favorites item, a customer center item, a contract item, a charge item, and a login/logout item.

In addition, when a preset search menu is selected from among the app execution result screens displayed on the terminal 100, the terminal 100 uses address information to search information on real estate, corresponding to the selected search menu. Displays the building register information search screen. Here, the building ledger information search screen includes an address input menu for receiving address information, a search result menu for displaying building ledger information search results related to the input address information, and a search record delete menu for deleting search records. include

For example, the first terminal 100 requests a safe real estate pre-installed in the first terminal and executes an app, and as shown in FIG. 4 , requests a safe real estate and displays an app execution result screen 400 . At this time, the first terminal may be in a state of requesting safe real estate using a pre-registered ID and password and performing a log-in function according to app execution.

In addition, when the search menu 410 is selected from the application execution result screen 400 by asking for safe real estate displayed on the first terminal, as shown in FIG. 5, the first terminal displays the selected search menu 410 ) Displays the building ledger information search screen 500 corresponding to (S210).

Thereafter, a search including a plurality of input values corresponding to a plurality of input items according to a user input (or user selection/touch/control) of the terminal 100 on the building ledger information search screen displayed on the terminal 100 When request information is received, the terminal 100 interworks with the server 200 and displays a registered search result list corresponding to the search request information. Here, the search request information includes a name, a lot number, a road name, a building number, and a detailed address (eg, a building, a house number, etc.). In addition, the registration search result list includes unique information (or unique code) related to the real estate corresponding to the search request information, classification (including, for example, collective building, general building, etc.), state (or registration record state) (eg For example, including current, closed, current + closed, etc.), real estate location number, etc.

That is, a search including a plurality of input values corresponding to a plurality of input items according to a user input (or user selection/touch/control) of the terminal 100 on the building ledger information search screen displayed on the terminal 100. When receiving request information, the terminal 100 transmits the received search request information and identification information of the terminal 100 to the server 200 . Here, the identification information of the terminal 100 includes MDN, mobile IP, mobile MAC, Sim (subscriber identification module) card-specific information, serial number, and the like.

In addition, the server 200 receives search request information transmitted from the terminal 100, identification information of the terminal 100, and the like.

In addition, the server 200 searches (or checks) one or more building management ledgers related to the received search request information among a plurality of building management ledgers managed by the corresponding server 200 . At this time, the server 200 may search one or more building management ledgers related to the search request information in association with the Republic of Korea Government 24 server (not shown) that manages real-time issuance of the building management ledger.

In addition, the server 200 generates a registration search result list including information on one or more building management ledgers related to the retrieved (or confirmed) search request information, and sends the created registration search result list to the terminal. Send to (100).

In addition, the terminal 100 receives the registration search result list transmitted from the server 200 in response to previously transmitted search request information and displays the received registration search result list.

For example, the first terminal receives a giant pastel according to a user input of the first terminal on the building ledger information search screen 500 displayed on the first terminal, and the received giant castle among a plurality of preset address information. One or more address information related to pastel is checked, and as shown in FIG. 6, address information 600 related to the received giant pastel is displayed.

In addition, when the address information 600 related to the displayed Geosung Pastel (for example, 24, Seonyu-ro 43ga-gil, Yeongdeungpo-gu, Seoul (Geoseong Pastel Apartment)) is selected according to the user selection of the first terminal, FIGS. 7 and 8 As shown in, the first terminal receives the detailed address of the building and floor (eg, 5th floor of Building 101) according to the user selection of the first terminal, and receives the first search request information (eg, Seoul Metropolitan City) Create the 5th floor of Building 101, 24 Seonyu-ro 43ga-gil, Yeongdeungpo-gu (Geoseong Pastel Apartment, 90-1 Yangpyeong-dong 3-ga).

In addition, the first terminal transmits the generated first search request information and identification information of the first terminal to the server 200 .

In addition, the server 200 receives first search request information transmitted from the first terminal, identification information of the first terminal, and the like.

In addition, the server 200 may use the received first search request information (eg, 5th floor, 101-dong, 24, Seonyu-ro 43ga-gil, Yeongdeungpo-gu, Seoul) among a plurality of building management ledgers managed by the server 200 ( Geoseong Pastel Apartment, 90-1 Yangpyeong-dong 3-ga)), the first building management ledger (e.g., 24, Seonyu-ro 43ga-gil, Yeongdeungpo-gu, Seoul, 5th floor, 101-dong, 501), and the 2nd building management ledger (e.g. For example, 24, Seonyu-ro 43ga-gil, Yeongdeungpo-gu, Seoul, 101-dong, 5th floor, No. 502), 3rd building manager (e.g., 101-dong, 5th floor, 503, Seonyu-ro 43ga-gil, Yeongdeungpo-gu, Seoul), Search the 4th building management ledger (for example, No. 504, 5th floor, 101-dong, 24, Seonyu-ro 43ga-gil, Yeongdeungpo-gu, Seoul).

In addition, the server 200 generates a first registration search result list including the searched first through fourth building management ledgers, and transmits the generated first registration search result list to the first terminal. do.

In addition, the first terminal receives the first registered search result list transmitted from the server 200 in response to the previously transmitted first search request information.

Also, as shown in FIG. 9 , the first terminal displays the received first registration search result list 900 (S220).

Thereafter, when a specific building management ledger (or information on a specific building management ledger/specific registration search result) is selected from the list of registration search results including information on one or more building management ledgers displayed on the terminal 100, The terminal 100 displays a deposit input screen for inputting a deposit amount (or deposit) for real estate corresponding to the selected specific building management ledger. Here, the deposit input screen inputs map information related to the address corresponding to the specific building management ledger that has been inquired, a bookmark addition menu for adding favorites to the real estate (or address) corresponding to the specific building management ledger, and deposit. It includes a deposit input menu to receive, a building type menu to display information about the building type, and a confirmation menu to receive risk analysis results for real estate corresponding to the specific building management ledger.

For example, a first building management ledger (e.g., Building 101, 24, Seonyu-ro 43ga-gil, Yeongdeungpo-gu, Seoul) according to a user selection of the first terminal from the first registration search result list 900 displayed on the first terminal. When the 5th floor, No. 501) 910 is selected, as shown in FIG. 10, the first terminal displays a deposit input screen 1000 corresponding to the selected first building management ledger 910. Do (S230).

Thereafter, after the deposit amount is input according to the user input on the deposit input screen displayed on the terminal 100, a preset confirmation menu (or safe real estate confirmation menu) displayed on one side of the deposit input screen is selected In this case, the terminal 100 interworks with the server 200 and a payment server (not shown) to provide a payment function for a preset fee in order to receive detailed information including a risk analysis result related to the real estate. carry out At this time, in the case of the payment method, card payment, automatic transfer through linkage of the bank's payment account, payment using cash equivalent points or cash remaining in the account of the terminal 100 subscribed to the server 200, Kakao Pay, It includes simple payment including Naver Pay and the like. In addition, the server 200 may perform a payment function through an escrow function in order to relieve the user's anxiety until the user of the corresponding terminal 100 is actually provided with information.

For example, after the first deposit amount (for example, 300 million won) is input according to the user input of the first terminal on the deposit input screen 1000 displayed on the first terminal, a preset confirmation menu 1010 When is selected, the first terminal interworks with the server 200 and the payment server, and sets a first fee (for example, one shell, which is currency for in-app payment managed by the corresponding server 200 = A payment function is performed for cash (equivalent to about 5,000 won) (S240).

Thereafter, the terminal 100 receives an evaluation screen related to the real estate transmitted from the server 200 after the payment function is normally performed. Here, the evaluation screen (or real estate evaluation screen/assessment information/safe real estate detailed information) includes real estate detailed information items (eg, location, use of building, exclusive area, house price/house market price information, etc.), view original item (For example, including viewing/downloading the original certified copy of the register in PDF format), polygonal risk analysis result items (including, for example, rating, total expected dividend, margin, guarantee amount, senior receivables, etc.), analysis result description It includes item, calculator item, self-diagnosis list item, jeonse deposit return guarantee item, deposit safe loan guarantee item, etc. In addition, the risk analysis result items are configured in various polygonal shapes such as a building-shaped three-dimensional hexahedron and a three-dimensional polygon. In addition, the above rating (or safety rating/safe real estate rating) includes information on whether or not the corresponding guarantee amount can be properly returned based on the total amount of expected dividends, margin, senior receivables, guarantee amount, etc. Includes equipment required, caution hazards, etc. Here, the safety level indicates a case in which the entire deposit can be compensated through an auction in the worst case (eg, when the house is auctioned due to the landlord's default), and the safety device required level is a separate It indicates the case of "safety" only when the leasehold right is set up at cost, and the caution level indicates the case where there is a possibility that part of the deposit will not be reimbursed in the worst case, and the risk level indicates that the entire deposit will not be reimbursed in the worst case. Indicates a case where there is a probability of failure.

Also, the terminal 100 displays the received evaluation screen.

For example, after the payment function is normally performed in the first terminal, the corresponding first registration search result transmitted from the server 200 (eg, 5th floor, 101-dong, 24, Seonyu-ro 43ga-gil, Yeongdeungpo-gu, Seoul, A first evaluation screen relating to a first real estate corresponding to No. 501) is received.

Also, as shown in FIGS. 11 to 13 , the first terminal displays the received first evaluation screen 1100 . Here, the risk analysis result items related to the real estate are the first grade (for example, safety), the first total expected dividend (for example, KRW 715,557,600 = KRW 870,000,000 * 1.0281 * 0.8), and the first margin (eg, 115,557,600 Won = 715,557,600 won - 300,000,000 won - 300,000,000 won), the first guarantee amount (eg, 300 million won), the first senior claim (eg, 300 million won), and the like (S250).

Thereafter, when a preset original view item is selected from the evaluation screen displayed on the terminal 100, the terminal 100 interlocks with the server 200 to display the original copy of the registered register related to the real estate or Download to the terminal 100.

That is, when a preset original view item is selected from the evaluation screen displayed on the terminal 100, the terminal 100 displays real estate information (or address information) corresponding to the selected original view item, original request information, the The identification information of the terminal 100 is transmitted to the server 200 .

In addition, the server 200 receives the real estate information (or address information) transmitted from the terminal 100 , the original request information, and identification information of the terminal 100 .

In addition, the server 200 checks (or searches for) a registered copy corresponding to the received real estate information among a plurality of registered copies managed by the corresponding server 200 . At this time, the server 200 checks the registered copy corresponding to the real estate information in conjunction with the Korean court Internet registry office registration reading issuance server (not shown) that manages the real-time issuance of the certified copy of the register, and the confirmed real estate information. A certified copy of the register corresponding to may be downloaded to the corresponding server 200 .

In addition, the server 200 transmits a copy of the registered register in the form of a file corresponding to the confirmed (or searched) corresponding real estate information to the terminal 100 .

In addition, the terminal 100 receives a file-type copy of the register transmitted from the server 200 in response to previously transmitted real estate information, original request information, and the like.

In addition, the terminal 100 displays the received certified copy of the register. At this time, the terminal 100 may store the received copy of the register in the corresponding terminal 100 according to user settings.

For example, when an original view item 1110 is selected from the first evaluation screen 1100 displayed on the first terminal, the first terminal displays a first real estate property corresponding to the selected original view item 1110. Transmits first real estate information (e.g., No. 501, 5th floor, 101-dong, 24, Seonyu-ro 43ga-gil, Yeongdeungpo-gu, Seoul), first original request information, identification information of the first terminal, etc. to the server 200 do.

In addition, the server 200 transmits the first real estate information from the first terminal (for example, 24, Seonyu-ro 43ga-gil, Yeongdeungpo-gu, Seoul, 5th floor, 101-dong, 501), the first original request Information, identification information of the first terminal, and the like are received.

In addition, the server 200 checks the first certified copy of the PDF file form corresponding to the received first real estate information among the plurality of registered copies managed by the server 200 .

In addition, the server 200 transmits the first registered copy in the form of the confirmed PDF file to the first terminal.

In addition, the first terminal receives a first registered copy in the form of a DF file transmitted from the server 200 in response to previously transmitted first real estate information, first original request information, and the like.

In addition, as shown in FIG. 14, the first terminal displays the first registered copy 1400 in the form of the received PDF file (S260).

In addition, when a preset calculator item is selected from the evaluation screen displayed on the terminal 100, the terminal 100 displays a calculator screen corresponding to the selected calculator item. Here, the calculator screen (or real estate valuation calculator screen) displays (or inputs) a building type display item for displaying (or inputting/selecting) a building type related to the real estate and an official market price related to the real estate. Items for displaying the publicly announced price for the relevant real estate, input items for the expected successful bid ratio to enter the expected successful bid rate related to the real estate, input items for senior bonds to input the amount of senior bonds related to the real estate, input items for entering the guarantee amount related to the real estate It includes a deposit amount input item and a calculation item to calculate the risk level. At this time, when the calculator item is selected, the terminal 100 displays information related to the previously selected real estate (eg, building type, publicly announced market price, expected successful bid ratio, senior bonds, etc.) on the calculator screen by default. can do.

For example, when a calculator item 1120 is selected from the first evaluation screen 1100 displayed on the first terminal, as shown in FIG. 15 , the first terminal corresponds to the selected calculator item 1120. A calculator screen 1500 is displayed (S270).

Thereafter, when a plurality of other input values including an expected successful bid ratio, a senior receivable (or senior receivable amount), a guarantee amount, etc. are received according to a user input of the terminal 100, the terminal 100 receives the received Calculate different risk analysis results based on a plurality of different input values and the published market price related to the real estate. Here, the other risk analysis result includes the total amount of expected dividends, margin period, guarantee amount, senior bonds, grade (or safety grade), and the like.

That is, when a plurality of different input values including an expected successful bid ratio, a senior receivable (or a senior receivable amount), a guarantee amount, etc. are received according to a user input of the terminal 100, the terminal 100 receives the previous [mathematics] According to Equation 1], the total expected dividend is calculated (or calculated). Here, the expected successful bid rate may be set to 103% in the case of an apartment, 80% to 90% in the case of a villa, 80% in the case of an officetel, and the like, and may be set in various ways according to the designer's design. In addition, the ratio according to the building type (or the ratio preset corresponding to the building type/other cost) may be set to about 20%, and may be set in various ways according to the designer's design.

In addition, the terminal 100 calculates (or calculates) a margin period (or a margin period amount) according to [Equation 2] above.

In addition, the terminal 100 calculates (or confirms) a grade (or safety grade) for the corresponding guarantee amount based on the calculated total amount of expected dividends, the calculated margin period, the senior receivables, the guarantee amount, etc. .

In addition, the terminal 100 displays the calculated other risk analysis result in a polygonal form. At this time, the terminal 100 compares the previously calculated risk analysis result and the other risk analysis result calculated at the current point in time so that the previously calculated risk analysis result and the other risk rate calculated at the current point in time can be confirmed. Analysis results can also be displayed together.

For example, according to the user input of the first terminal, the 11th expected successful bid ratio (eg 1.0281), the 11th senior claim (eg 500 million won), the 11th deposit amount (eg 100 million won), etc. are included. When receiving the 11th input value of the first official market price (eg 870 million won), the 11th expected successful bid ratio (eg 1.0281) and the building type of the first real estate Calculate the total amount of expected dividends (eg 715,557,600 won = 870,000,000 won * 1.0281 * 0.8) based on the ratio according to (eg 80% according to apartment/group building).

In addition, the first terminal calculates an 11th spare interval (eg 115,557,600 won = 715,557,600 won - 100,000,000 won - 500,000,000 won).

Also, the first terminal calculates an 11th grade (eg, safety) for the 11th guarantee amount (eg, 100 million won).

In addition, as shown in FIG. 16, the first terminal determines the calculated 11th expected dividend total amount, the calculated 11th margin period, the received 11th guarantee amount, the received 11th seniority receivables, and the calculated The 11th different risk analysis result 1600 including the 11th grade, etc., is displayed as a three-dimensional hexahedron in the form of a building (S280).

In addition, when a preset self-diagnosis list item is selected from among the evaluation screens displayed on the terminal 100, the terminal 100 displays a self-diagnosis screen corresponding to the selected self-diagnosis list item. Here, the self-diagnosis screen includes one or more pieces of information that a real estate contractor (including lessors, etc.) should pay attention to and check before and after writing a contract.

In addition, the terminal 100 is a corresponding terminal ( 100), the user (or real estate contractor) of the terminal 100 confirms (or processes) the content checked and displayed in an inactive state (for example, displayed in gray text) according to the user selection of the terminal 100, and the corresponding terminal ( 100), the user's unconfirmed content (or unprocessed content) can be displayed in an active state (for example, displayed in black text).

For example, when the self-diagnosis list 1130 is selected from the first evaluation screen 1100 displayed on the first terminal, as shown in FIG. 17, the first terminal displays the selected self-diagnosis list 1130. The self-diagnosis screen 1700 corresponding to is displayed (S290).

In addition, when a preset jeonse deposit return guarantee item is selected from among the evaluation screens displayed on the terminal 100, the terminal 100 displays a jeonse deposit return guarantee screen corresponding to the selected jeonse deposit return guarantee item. Here, the jeonse deposit return guarantee screen is information on whether or not to sign up for guarantee insurance (including, for example, application possibility, application impossibility, etc.), cause detailed explanation information (eg type, infringement of rights, conditions for deposit amount, charter loan, contract period, real estate agent, transfer report, etc.), etc.

For example, when a deposit return guarantee item 1140 is selected from the first evaluation screen 1100 displayed on the first terminal, as shown in FIGS. 18 and 19 , the first terminal displays the selected jeonse deposit. The jeonse deposit return guarantee screen 1800 corresponding to the deposit return guarantee item 1140 is displayed (S300).

In addition, when a preset deposit security loan guarantee item is selected from among the evaluation screens displayed on the terminal 100, the terminal 100 displays a deposit security loan guarantee screen corresponding to the selected deposit security loan guarantee item. Here, the security deposit loan guarantee screen includes information related to the deposit loan.

For example, when a deposit security loan guarantee item 1150 is selected from the first evaluation screen 1100 displayed on the first terminal, as shown in FIG. 20, the first terminal displays the selected deposit security loan guarantee item. A deposit security loan guarantee screen 2000 introducing various products related to deposit money corresponding to item 1150 is displayed (S310).

As described above, an embodiment of the present invention reduces the risk of a rental transaction by providing a risk analysis result including information on the expected total amount of dividends, margin period, deposit, senior bond, etc. for the real estate of interest before performing a real estate transaction , can reduce the lessor's anxiety according to the provision of various information.

In addition, as described above, the embodiment of the present invention provides the risk analysis result of the real estate according to the change in the expected successful bid ratio compared to the published market price of the current real estate, the deposit, the senior bond, etc., and the rental transaction under various conditions. It is possible to check the exact situation according to and provide various information for non-face-to-face contracts.

The foregoing may be modified and modified by those skilled in the art without departing from the essential characteristics of the present invention. Therefore, the embodiments disclosed in the present invention are not intended to limit the technical idea of the present invention, but to explain, and the scope of the technical idea of the present invention is not limited by these embodiments. The protection scope of the present invention should be construed according to the following claims, and all technical ideas within the equivalent range should be construed as being included in the scope of the present invention.

10: Real Estate Transaction Safety Evaluation System
100: terminal 200: server

Claims (10)

Displaying, by the terminal, an evaluation screen including a real estate detailed information item, a polygonal risk analysis result item, an analysis result description item, and a calculator item in relation to real estate corresponding to the address selected by the user;
displaying, by the terminal, a calculator screen corresponding to the selected calculator item when the calculator item is selected from an evaluation screen displayed on the terminal;
Other senior bonds and other guarantee amounts received by the terminal according to user input, and other expected total dividends based on other expected successful bid rates and published market prices related to the real estate, other margin intervals, the other guarantee amounts, and the other seniority Calculating bond and other risk analysis results including other ratings; and
Real estate transaction safety evaluation method comprising the step of displaying, by the terminal, the other calculated risk analysis result in a polygonal form. According to claim 1,
The risk analysis result items are,
Real estate transaction safety evaluation method, characterized in that it includes information on the rating related to the real estate, the total amount of expected dividends, the margin period, the guarantee amount, and senior bonds. According to claim 1,
The step of calculating the other risk analysis results,
Calculating a total amount of other expected dividends by multiplying a publicly announced market price related to the real estate, the other expected successful bid rate, and a preset rate according to a building type related to the real estate;
calculating the other margin interval by subtracting the other senior bonds and the other guaranteed amount from the calculated total amount of other expected dividends; and
Real estate transaction safety evaluation comprising the step of calculating a different rating for the different guarantee amount based on the calculated other expected dividend amount, the calculated other margin period, the other senior bond, and the other guarantee amount Way. According to claim 1,
Further comprising displaying, by the terminal, a jeonse deposit return guarantee screen corresponding to the selected jeonse deposit return guarantee item included in the evaluation screen, by the terminal,
The charter deposit return guarantee screen is,
A method for evaluating real estate transaction safety, characterized in that it includes information on determining whether to subscribe to guarantee insurance and detailed explanation of the cause. According to claim 1,
when a preset original view item included in the evaluation screen is selected, transmitting, by the terminal, real estate information, original request information, and terminal identification information corresponding to the selected original view item to a server;
Receiving, by the server, the real estate information transmitted from the terminal, the original request information, and identification information of the terminal;
Retrieving, by the server, a registered copy corresponding to the real estate information from among a plurality of registered copies managed by the server;
Transmitting, by the server, a copy of the register in the form of a file corresponding to the searched real estate information to the terminal; and
The real estate transaction safety evaluation method further comprising the step of displaying, by the terminal, a copy of the register in the form of a file transmitted from the server. According to claim 1,
displaying, by the terminal, a self-diagnosis screen corresponding to the selected self-diagnosis list item when a preset self-diagnosis list item included in the evaluation screen is selected; and
The user of the terminal confirms one or more information that the real estate contractor should pay attention to and check before writing the contract included in the self-diagnosis screen displayed above, and one or more information that the real estate contractor should pay attention to and check after writing the contract, according to the user's selection. Checking the content to display it in a deactivated state, and displaying the content that has not been checked by the user of the terminal as an active state,
The self-diagnosis screen,
A real estate transaction safety evaluation method comprising one or more information that the real estate contractor should pay attention to and check before the contract is drawn up, and one or more information that the real estate contractor should pay attention to and check after the contract is drawn up. According to claim 1,
The step of displaying the evaluation screen,
When a preset search menu is selected from among the app execution result screens displayed on the terminal, the terminal displays a building register information search screen corresponding to the selected search menu in order to search for information on real estate using address information. process of displaying;
When receiving search request information including a plurality of input values corresponding to a plurality of input items according to a user input of the terminal on the building ledger information search screen displayed on the terminal, the terminal interworks with the server, displaying a registered search result list corresponding to the search request information;
When a specific building management ledger is selected from the list of registration search results including information on one or more building management ledgers displayed on the terminal, the terminal determines the deposit amount for the real estate corresponding to the selected specific building management ledger. Displaying a deposit input screen for input;
After a deposit amount is input according to a user input on the deposit input screen displayed on the terminal, when a preset confirmation menu displayed on one side of the deposit input screen is selected, the terminal communicates with the server and the payment server. Interlocking, performing a payment function for a pre-set fee in order to receive detailed information including a risk analysis result in relation to the real estate;
receiving, by the terminal, an evaluation screen related to the real estate transmitted from the server after a payment function is normally performed; and
The real estate transaction safety evaluation method comprising the step of displaying the received evaluation screen by the terminal. According to claim 7,
The registration search result list is,
Real estate transaction safety evaluation method comprising at least one of unique information, classification, state, and real estate location number related to real estate corresponding to the search request information. A server for providing an evaluation screen including a real estate detailed information item, a polygonal risk analysis result item, an analysis result description item, and a calculator item in relation to real estate corresponding to the address selected by the user; and
A real estate transaction safety evaluation system comprising a terminal displaying the evaluation screen provided from the server. According to claim 9,
The terminal,
When the calculator item is selected on the displayed evaluation screen, a calculator screen corresponding to the selected calculator item is displayed, and other senior bonds and other guarantee amounts received according to user input and other expected successful bid rates and disclosures related to the real estate are displayed. Based on the market price, calculating other risk analysis results including different total expected dividends, other margins, the other guarantee amount, the other senior bonds and other ratings, and displaying the calculated other risk analysis results in a polygonal form Characterized by the real estate transaction safety evaluation system.

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