TW200903370A - Method and platform providing fixed-interest-rate and mutual-aid house loan - Google Patents

Abstract

The present invention relates to a method and a platform for providing fixed-interest-rate and mutual-aid house loan, which can be implemented in the field of electronic monetary system and electronic commerce. The method and the platform employ online trading to allow a house buyer to obtain a house loan with buyer-determined and fixed interest rate at the platform. With the operation through the platform of the present invention, a person who is currently not in need of buying house can join the platform to become a deposit member thereof, so as to get a higher interest rate and save money for buying a house in the future. When a member intends to buy a house, a financial organization responsible for the platform operation will give the member a sum of transitory house equity loan, so that the member can use the loan to pay an advance payment for a new house or pay off an earlier house loan. Having completed the financial-aid procedures for house loan, the member is admitted to the platform to bid for house-buying money.

Description

200903370 IX. Description of the invention: [Technical field to which the invention belongs] The present invention - the method of mutual benefit and cut-off, and the purpose of μ, is aimed at forming a mutual aid platform for the online technology era. The source of mortgage funds is 're-bidding, the hottest _ room «Golden', the best allocation efficiency of the gold. [Previous technology] The design of Fangfang has long been the main business of the banking sector, in Taiwan. In the end, at the end of the year, the S industry has a total of 100 million yuan. In the face of such a large capital demand, the banking sector has always been = demand deposits and time deposits of less than three years, paying attention to the long-term _ housing loan funding needs, Wang The "Golden Light Industry" mortgage loan supply and demand model, known as "short-term support for short-term funding sources, and r i., <r Chang Tiangong's housing mortgages to earn profits, is bound to take the foreign interest rate , the transfer of the face insurance to the customer, Fang Weihu can never accurately estimate the payment of a multi-regulation, and the bank, she said in the sunny position to obtain the advantage of the paste, with Na Ben secrets, the calculation of the difference, every year All Taiwanese grain households will be close to 80 The 0 million yuan room is faint. The consumer is always the weaker side: the root of the burden of the 'funded customers', the "leader" model of the Yinhao operation and the intermediary profits caused by the mortgage The problem, the people of insight in the evening are asking for a solution. Taiwan Patent Publication No. 200103370 00575825, "Methods for the Integration of Financial Consumer Products Internet", to link consumers with the following: "Materials" and the financial and credit card product conditions provided by various financial institutions to promote Father Yi; however, it did not solve the problem of the “gambling chief” of the bank, nor did it alleviate the interest burden of the wealthy customers. The “Electronic Housing System” of the Chinese patent public de CN Gang 72A has made the housing and human work processes electronically, but it has not improved the bank supply and demand model and the interest cost of the housing customers. • US Patent No. US 5,995,947 “Interactlve resistant, and mf〇rmatlon and real_time tradmg system”, proposed by the mortgage fund provider to make the demand for funds face-to-face; #金供者可妓金融亲或个人;^ The fund provider is a financial institution, and the nature of the interest rate difference earned by the deposit has not disappeared. Therefore, the interest rate offered cannot be the monthly rate of the patent outside the platform of the patent parent; the room for several decades In the framework of the invention of τ, if the secondary market in which the mortgage is re-transferred is underdeveloped, the participation of the difficult supplier is determined to be low; compared to this, the "price-to-top mutual aid mortgage platform and method" of the present inventionΘ Personal; donors and givers participate in the transaction, but can provide the potential purchaser's 畜4 animal function by depositing and lending characteristics, making it a fund provider, and subtly increasing the willingness of individual suppliers to participate. The solutions for the above three patents do not directly address the core of the problem. At most, they are improving the problem. The essence of the problem of "short-term support" on the right cannot be solved, and the interest pressure on mortgage customers has not been alleviated. Recently, Fannie Mae, the financial fund giant of the US housing finance, believes that: @定定率,快期 to the key point of each turn, is beneficial to lenders to self-evaluate their future repayment ability and control their own financial resources. 200903370 Risk is the most ideal. The "-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- Zero-distance turn, the fund-raising funds of the house are directly provided, and the role of the bank (4) takes the capital intermediary of the county, and turns over the funds to provide the funds to the end of the 働 峨 峨 「 「 「 「 「 「 ; ; ; ; ; ; ; By both parties at the price of the standard, in the form of mutual assistance, each other, the borrower = the purchaser of the guise of the singer (4) is not formed in the "house 2: the end" view, and the borrowers and the borrowers are better than the direct bidding of the bank. interest. [Summary of the Invention] Bidding == In the end, the mutual aid housing loan method is to direct financial thinking in the process of funds. The characteristics of this platform - the combination of the machine and the f-gold combined with the deposit and loan, self-contained - a scale, the bank only provides the wing 2 transition material f this platform material to solve the silver "gambling deposits" The second feature of this platform is the bidding between members to improve the efficiency of capital use. In response to the intensity of its own needs and the degree of urgency, the platform is used by members who have strong funds«, and the winning members also have the opportunity to obtain preferential rates, and the members are based on their own economy. The capacity planning of the custom-made Kosaki 200903370 is a feature of the winning members in each period with an ugly amount of repayment, which is a fixed-rate housing product. This platform provides members with no interest rate risk for housing products, which is in the interest rate of Lions. Both sides can get more benefits. Therefore, the "characteristics of this platform of this platform is that Hunan Network Technology enables both the deposit and the lending parties to reduce the cost of capital transactions on the platform, so that the transaction ^ can also provide deposit members with better market than the market deposits." More favorable (four) interest rates The risk of default on the interest rate heart, let the meeting; the production: = Benping (four) - the sixth member of the participant can be followed by the member to renew the gold and the bidding rights will be handed over to one - the board of directors == bounds with short-term deposits Long-term mortgages, under the unpredictable changes in market interest rates, the market to (four) adopt floating interest rates, not only the product homogeneity is high, the positioning is not separated, = the actual needs of households. The traditional type of home loan not only increases the uncertainty of customer repayment Γ (4), the loss of the series (four). The transfer of coffee can products is based on " er _ "and long, in the end,, the repayment method: let the silver "take the forged #« into _ take the cut (four) ^ flat way so that both the borrower and the borrower can achieve better than the market The material of the market. It also enables customers to transfer their own customized products. It has the following progress and production: in ', 7 200903370 i. Ben she (four) 'on the platform of Sakisaki. Member According to the plan of the house, you can choose to pay in the material field first, or apply for light green directly. The existing mortgage can also use this platform. The operation M enters the platform to bid, and each period is awarded with a solid gold. Capital, can be exempted from the interest rate risk of the mortgage-like consumer. 2. She (4), side money record (four) _ gold. The face of the bidder won the 'f gold to the other unqualified members, the bank only in the member has not yet Before getting the bid, the _ over-mixed material, the shame-receiving leader _« shoot the material to overcome, f also let the bank's side source from the formalities f, so that the banking industry into a straightforward financial services industry. 3_ the invention The purpose is to reduce the transaction costs of both the borrowers and the borrowers, so that both the borrowing and the bank can benefit. Direct encounters on the platform reduce the cost of capital transactions; in addition, banks use their expertise in credit reporting and risk calculation to provide a member insurance mechanism to reduce the cost of the collection. So, compared to the mortgage, this platform It can enable the three parties to obtain greater trading benefits. 4. The purpose of the present invention is to provide a deposit-and-borrow fund platform in front of the member's house, as a tool for the A-eye house or the first-phase payment, 'the same day village (four) ratio The market has more favorable interest income. Because of the purely artistic _ _ _ _ _ (4), and the non-mosquito repayment model, it is a kind of linear housing, different from the point-style housing that occurs when the house is traditionally purchased. The purpose of the invention is to provide a condition for the repayment of the room members. The member can select the __ and the amount according to their own economic ability, and can also obtain a better repayment rate than the market draft. 200903370 6. The mortgage product With the deposit-loan mechanism, the bank can obtain not only the obvious market segmentation of the borrower, but also the customers who purchase the house after the first deposit. This increases the customer's loyalty and mutual banking with the general mortgage product. Opportunity. This mortgage lends deposits and loans to Wei, which is a channel for customers' materials, and is also a customer---------------------------------------------------------------------- Loyalty allows banks to increase their collocations with other products.

8. The purpose of this issue is to make a deposit design. This design facilitates deposit members to securitize, bid, and transfer the funds and funds of the investors, which will improve the efficiency of member funds allocation and the willingness to participate in the platform. In order to achieve the above object, the present invention constructs a method for a one-price mutual-assisted home loan, which is a platform for the mutual-aid-type housing payment, and the method includes the steps of the town: firstly, please enter the user through the user interface towel. The platform; then, the platform issues a transition-transitional mortgage based on the real estate information provided; weaving, bidding to the platform for the price of the mutual aid housing, the platform is based on the bidding of the bid to determine whether Won the bid, and the amount of the balance-to-bottom mutual-assisted house that was once closed with the delivery; secondly, with the platform, the price will be shouted to each other in the end of the _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ Mutual-assisted room star funds to the platform. The invention provides a flat-panel of the price-based mutual-assisted wide-ranging transfer: "the storage of the data - the poor storage library, and the - the needle side, the bottle unscrambler includes a membership verification module for verification - the user basic The data 'and the basic data of the new users and the results of the mosquitoes in the 200903370 database; - the real estate appraisal module, the heart executive card (4) the secret of real estate, and the storage of the t-fruits of the review ; '; - transitional housing The audit module is used to extract the basic information of the user from the database, and to analyze the results of the mosquitoes and the data of the movable property evaluation module. The amount of the transitional housing mortgage loan, and the amount of the deposit in the database, the muscles of the king of the group change group 'used to establish the bidding platform, the gold analysis and the selection of the standard, to determine the 'search for the cup · ^ ϋ彳 ϋ彳^The bidding result processed by the bidding module is in the database; and - settlement and payment #m group '(4) class dragon_take the bid result' to make the amount of the bid and the amount of deposit c, etc. settlement and repayment of the transitional mortgage Get a price in the end of the mutual aid housing loan retreat - ^ in the end mutual aid housing loans The payment and the unsuccessful deposits are delivered, and the results of the settlement and delivery processed by the settlement and delivery module are stored in the database. [Embodiment] In order to make the invention concrete, the following special 'Knowledge method, fine description, and list better

The specific embodiments are as follows: ... Figure - is a block diagram of the first mutual aid type home loan platform of the present invention, please refer to the figure - Jin Ding ^ in the end of the mutual aid type of homes f platform has a management word service tear and used wrongly Save the data - database 412. 1 in the end of the mutual aid type of the house torn through the Internet, cable turtles, smashing the machine - so that = interface such as (such as computers, mobile phones, ship materials) to make Members use the city to use the face and the bottom of the mutual help type of flat (four) 2 for instant and secure message exchange. The management server 404 includes - member body, furniture, 'and 4 still real estate evaluation module 10 200903370 406, 409 > transitional housing audit module 4〇7, - housing structure module side, one housing bidding A settlement and exchange _ group 41 〇 and 1 #竞娜证模块. The module will be used to verify whether the basic information of the user of the application member meets the requirements of the application, and the account will be issued after the approval of the basic information of the user. The code is to the user interface 4〇3, and then the member can log in to the 互 互 mutual aid type housing platform 4〇2. The membership verification module stores the user basic information, the verification ID, the account number and the password in the database 412. Among them, the user's basic information includes the name, date of birth, identity card number, personal finance, personal work and other information. When a member applies for a real estate mortgage application, the real estate appraisal module is used to determine the value of the 5H real estate for the immovable (10) and store the result of the quiz in the database M2. The transitional mortgage review module 4〇7 is called from the database to retrieve the user's basic data, the membership review W, and the verification result of 405 and the valuation result of the real estate appraisal module 4〇6, etc. U Real Estate has reviewed the amount of transitional Wei mortgage Wei and stored the amount of transitional housing mortgages in database 412.

square,'. The replacement group 408 battalion warehouse 412 # member take the real estate price module 4 〇 6 bell price results and the transitional housing f audit module 4 〇 7 audited transitional mortgage loans to analyze the difference between the two I help the employee to analyze the difference between the real estate appraisal result and the transitional house mortgage payment' and recommend that the difference be introduced to his family, such as the second-born housing f, (four), etc. And the total amount of the loan, in order to make a suitable decision. The results of the analysis of the structure of the genus will be stored in the database 4丨2. In the end, the mutual-assisted home loan is flat. After the member obtains the transitional housing mortgage loan, he wants to bid for the mutual aid-type housing at 200,903,370 units, and the housing bidding module Liu Xiao establishes the bidding platform, the rod analysis, and the standard. The winning bid of the gold winning bid and the bidding result processed by the ageing bidding module are in the database 412. The settlement and delivery module 410 retrieves the bidding result from the database 4丨2, and obtains the member's winning amount and deposit money _ settlement shop _ Duxian County mortgage material, acquisition-price in the end mutual aid-type housing loan, repayment-price mutual assistance The delivery of the house and the unsuccessful deposits, and the settlement and processing of the settlements and the delivery of the county 410 to the county 412. The room Wk right δ legacy group 411 has the amount of the member's deposit and the interest available in the future to issue the mortgage-winning bidding certificate to the member, and to handle the transfer of the mortgage loan bidding certificate, quality loan, k and easy, Asian storage mortgage bidding certificate The result processed by the module 4n is committed in the database. Figure 2 is a flow chart of the system-based mutual aid-type miscellaneous loan of the present invention. Please refer to Figure 1 and Figure--the method of the (4) monthly-month-to-price mutual-assisted home loan. Each loan of the local loan can be used for the bidding of the Finca-based bottom-up type of home loan. The mortgage customer uses the basic tribute of the input user to log in to the member of the mutual aid-type housing fund platform. 4Q5 will be issued after the approval of the qualification of the successor - the account number and password will be issued to the user, and the customer will be a member in the user interface and password to log in to the mutual help room fiber platform to become a member (step '1+ S101 ). Among them, the honing is " 1^ want to compile new homes, have f models and want to transfer loans in order to obtain lower interest rates New Zealand (four) buyers willing to buy. , Bu, 1 Bay to Mutual-assisted type of housing platform 402 online registration to apply for transitional u mortgage W t curry (four): she Η峨 (four) her f platform 12 200903370 402 real estate valuation module 406 ' The value of the real estate, and the transitional housing audit module based on the user-based basic information, member " identity audit panel side; ^ results And the evaluation result of the real estate appraisal module, etc., to verify the transitional property of the company, and to transfer the transitional mortgage loan to the member by the price-mutual mutual aid housing fund platform 402 (steps) Si〇3). By the user interface 403, the price-to-price mutual-assisted home loan platform 4〇2 is the bid for the price of the mutual-assisted home loan, which is based on the membership of the mutual-acceptable home loan platform 4Q2. The bidding of the bid is to determine whether the member has obtained the bid, and the amount of the subsidized member's settlement and delivery module 410 is settled and delivered by the settlement and delivery module 410. (Step si〇5). ^ By the end of the mutual aid type of home loan platform 4Q2 will be the subject of the target price of the target to the end of the mutual 至 至 ^ 贝 贝 5 5 5 5 5 5 5 亥 亥 亥 亥 亥 亥 亥 亥 亥 亥 亥 亥 亥 亥 亥 亥 亥 亥 亥 亥 亥 亥 亥 亥 亥Step s. In the future, the club will pay for each other in the end, and the party will not be able to go to the mussels in the end of the mutual aid housing fund platform 402 (step S109). To get members out of the floating interest rate, the risk is not easy to assess, and to obtain protection for future repayments. Figure 3 is the invention of the present invention, the price of the mutual aid-type housing funds members enter a price in the end ^ help material f material flow (4) Please refer to the figure-- and Figure 3 to illustrate the method of the member of the present invention entering the one-price mutual-assisted house loan platform. Ding_1 enters the price of the mutual-assisted house loan platform from the user interface 403. 2, and judge whether the 4 will be the first - the first time to make the _ one price in the end of the mutual aid type housing estate platform 402 (step 13 200903370 S501) 〇 ▲ right side of the shell is the first use of the price of the mutual aid housing fund platform Tender, the member is by the user The face 403 inputs a user basic data to the price in the end of the mutual aid type housing fund level. The 402 member-member identity review module 4〇5 (step S5〇3), wherein the user basic information includes the name, the date of birth Monthly information, ID card number, personal finance, personal work, etc. The member's identity review module milk reviews the user's basic information to determine whether the entry-price is the same as the membership of the mutual aid home loan platform. Step Na), if the membership of the F-entry-to-partition-assisted home loan platform does not match, the member's identity review module will be sent out—the error message (4) (4) interface. The member will leave the member by notifying the member's qualifications. In the end, the mutual assistance county «platform move (step coffee); if the membership rate of the mutual aid home loan platform is met, the member identity audit module will tear the 'number and - as the horse to the user interface And storing the user basic data, the mosquito result, the account number and the password in the database 412 (step S5〇9). The member inputs the account number and the password through the user interface 403 to log in-price. The bottom-up mutual aid home loan platform 4〇2, to carry out the following procedures (step training). If the member does not make the first price to help each other, 4Q2, _ will be purely input by the _ material and β The code is based on the login-price mutual aid-type housing fund platform 4〇2, and the following procedure is involved in step S511). FIG. 4 is a flow chart of the transitional silk mortgage payment for the price-to-bottom mutual-assisted house of the present invention. Please refer to the diagrams „ and _ to illustrate the method of issuing the transitional mortgage loan of the present invention. 14 200903370 s Bei 丑录 - 仏 互 互 互 互 互 互 互 互 互 互 互 互 互 互 互 互 互 互 互 互 互 互 互

The process of mortgage mortgage; if the member who has logged in has not applied for the transitional mortgage loan, it is judged whether the member wants to use the transitional mortgage (step _). If the member wants to apply for a transitional light mortgage, the office will provide real estate information for the price of the real estate valuation platform on the side of the price-assisted home loan platform to identify the value of the real property, and will identify the real estate. The result of the evaluation by the module 4〇6 is stored in the database 412 (step S205). Based on the result of the evaluation of the database 412, the transitional mortgage review module 407 of the one-price mutual-assisted home loan platform 402 verifies the amount of the transitional mortgage loan corresponding to the real estate (step S207). Determining whether the member accepts the transitional house approved by the transitional mortgage review module 407 (the amount of the mortgage loan (step S209), if the member accepts the transitional mortgage mortgage payment approved by the transitional mortgage review module 407 The quota 'is signed with the one-price mutual aid housing fund platform 402 for the housing contract and the mortgage. According to the transitional mortgage mortgage, the time limit for bidding determined by participating in the one-price mutual-family housing f platform 402 is The amount, and the difference between the result of the real estate appraisal obtained from the database 412 and the transitional mortgage fund is calculated by the property structure module 408 of the one-price mutual aid house loan platform 402, and the difference will be The data is stored in the data 阜 412 (step S211). 15 200903370 After the contract is signed, the '-price is the mutual aid-type housing fund platform 4〇2, and the transitional housing mortgage t is issued (step S213). In the end, the mutual aid housing fund platform 4 (10) directly remits the seller of the real estate, or the original capital institution that transfers the loan (such as the bank, if the member does not accept the transitional housing audit model) 4〇7 The amount of the transitional house mortgage payment approved by the 'hustle breaks whether the club will leave the base-mutual mutual aid housing fund platform 402 (step S215.). If the member wants to leave - the price is the mutual aid room „After platform, the member will leave the process of issuing a transitional mortgage through the use of the user interface 403 to exit the transitional mortgage loan; if the member does not leave – the price of the mutual aid housing The platform will move or the member will not apply for a transitional mortgage, _members will be based on the deposit amount calculated by the settlement and delivery module 41 of the mutual-assisted home loan platform 402, and the one-price mutual aid housing loan platform 402 deposits (step S2i). When the member completes the deposit, the property-based bidding warrant module 4U of the “price-to-price mutual-assisted home loan platform 4〇2” issues a room based on the deposit of the member and the amount of interest available in the future. The certificate issued to the member and the result of the processing of the mortgage bidding certificate module 411 is still in the database (step S219). Judging whether the member wants to go to the price of the mutual aid house f The platform moves the transfer, quality loan or sale transaction of the title bidding certificate (step _, if the member wants to transfer to the price-to-price mutual-assisted house W flat 4〇2 into the transfer of the bidding certificate) For the transaction, the bidding certificate for the property bidding shall be deleted from the bidding certificate, and the bidding certificate shall be entered into the muir, the f loan or the bidding shirt, and the mortgage loan shall be stored in the mortgage loan. 4η峨理理理在 step s223); if the club 16 200903370 do not ask for the price In the end, the mutual-assisted home loan platform Liu was once used for the transfer of Chishao Mountain Shell, Bei Guanru, such as the transfer of the ancestors, w曰 private, _ will be the target of the bidding of the 兀保符存竑 member. The room iA room issued by the warrant module 411 is used to record the information corresponding to the combination of the M members and the bidding combination. ', Figure 5 is the gamma - the price in the end of the mutual help type of Wei Wei difficult to flow, please like the Zhaotu - and Figure 5 to illustrate the invention of the price-to-price mutual aid housing loan platform to carry a price to the end Steps in bidding for mutual aid home loans. The members who have the bidding rights (that is, the members who sign the contract and set the mortgage) are based on the mortgage bidding module of the mutual-accounting home loan platform. The mortgage bidding combination is waiting for the bidders of the portfolio to be full (combination The required number of people is the number of combined periods, such as the combination of the two-year one-month period 'common period, that is, the member is required ^ step coffee). d When the amount of the person indicated is full, the member can enter the price through the user interface before the bid opening time set by the one-price mutual-subsidy home loan platform 402 in each period. The standard gold (step S303). The party loan λ brothers change group 409 determines whether the standard input by the member is a validity fund (less S305). If the key entered by the member is not within the preset range of the mortgage bidding module shed, and the bid is not accepted, the judging whether the member is via the user" In the end, the mutual aid housing fund platform re-enter the standard gold (step ss〇7 Guangruo I re-enter the standard gold, then proceed to step Magic 5. The right input for the member is in the mortgage bidding module 4 Within the preset range of 〇9, there is no other input wrong rank', indicating that the mortgage bidding module side accepts the bidding of the bid as a valid standard, 17 200903370 When the price is up to the mutual aid room, according to all the gold When judging the bid opening time of the housing fund platform 402, whether the bidding module entered by the room f bidding module or the member is awarded (step S3〇9). If the bid input by the member is the highest bid, the bid is obtained. At the time of the settlement, the settlement and delivery of the electric charge and the payment of the member's target amount of one round of the help of her, and the settlement and the version of the 41G settlement and the results of the fox are stored in the database 412 (step S311), The member will be biddered as a borrowing member, and the price will be the mutual aid house. The platform seems to be the target of reimbursement for the amount of the transitional mortgage loan that the member has expected, and then obtain the home loan of the price. The standard input of the eight right riding shell is not the highest standard and not obtained. The target or the member does not re-enter the standard king inch Beibei U will be based on the price of the deposit and delivery module of the mutual aid type of home loan platform. The platform 402 makes a deposit, and the result of the settlement and delivery of the different parent and parent module 41 is stored in the database (step, 13), the interest of the brother and the brother, and becomes a deposit member. The home loan platform 402 waits for the next bid before the bid opening time. When the member completes the deposit, the right-to-price mutual-subsidy home loan platform 4〇2 mortgage loan bidding right (2) group 411 is based on the deposit of the club and the future The amount of interest is issued to the bidding rights of the housing. 4 4 members, the results of the sub-storage and intimate warrants module Ml are similar to the database (step S315). Judging whether the side members want to pay-to-price mutual aid housing loans Desk 4〇2 Transfer, quality loan or sale transaction of the property competition (step, if the member wants to transfer to the price-to-price mutual insulting house platform 4〇2, transfer or license the title bidding certificate The sale transaction, then 18 200903370 by the mortgage bidding warrant module 41 ί on the mortgage *5 ugly transfer transfer, quality loan or bidding bidding warrant module 彳 & 士 m, '' 11 processing results in the data The library transaction (step S319), and the storage record... the transfer of the helper home loan platform certificate of the one-right demon group Wi, the quality of the loan, the #β, the appropriate. The housing loan bid is displayed on the next day. Then, the succession of the 412; if the member does not want to pay the price of the member in the end of the mutual-assisted housing loan platform to hold the real estate bidding warrants and maintain the deposit will be the following two special cases, while referring to the diagram consistent with examples 1 to 5 The specific implementation method of the present invention will be described. A certain person has been working for many years.

Bank handling, the current loan balance of 10,000 _ ... has been in the eve of the year _ housing mixed - project in A repayment of 15 years of bank housing loans. A certain signing rate has risen and the volatility has intensified. In order to reduce the profit, the f-members enter the price-to-internal mutual-funded home loan platform 402 (step SI01) through the user interface. ^ Department of 曰 曰 - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - Personal work (10) basic information (step S503). ' Platform 1 In the end, the mutual aid type housing fund platform member's identity review module milk will be online audited for a member to determine whether the required f is consistent (step Na). After the member's identity review module 4〇5 has passed the review according to the application materials, the member identity review module will give an account and password to the member f via the user interface 403 (step (10)), and a member A via the user interface 403 Enter the account number and password to log in to the first-party mutual-use housing fund 19 200903370 4〇2 (step S511). A member can log in to the mutual-interested home loan platform 402 to apply for transitional housing mortgages (step S103) because a member has not applied for transitional mortgage payments (step S201), and decides to apply for transitional housing. Mortgage loan (step S2〇3), therefore, a member provides real estate information at the end of the price of the mutual aid type I loan platform 4〇2, one price to the mutual aid type of home loan platform 402 real estate appraisal 1 group. According to the real estate The data is evaluated to analyze the value of the real property (step S205). (According to the valuation result of the real estate appraisal module 406, the transitional mortgage review module 4Q7 of the one-price mutual-assisted home loan platform 402 relies on The amount of the transitional mortgage of the real estate (step S207). For example, the real estate appraisal module 4〇6 identifies the value of the real estate information provided by a member, and the current value of the house held is 6.75 million yuan. The transitional housing review module 407 assumes that 80% of the estimated amount is used for the nuclear loan according to the location of the house and the condition of the house, and accordingly, the mutual price is mutually assisted. The home loan platform 4〇2 will give a member a quota of 5.4 million yuan for the transitional mortgage loan for the loan. 1..^ A member has agreed to accept the one-price mutual-subsidy home loan platform 402 The amount (step S209), and then the one-price mutual aid-type housing fund platform 402 will be contracted with a member A and the mortgage is set up (step S211). The loan is directly-priced in the mutual aid-type home loan platform 402 directly The seller of the real estate, or the original capital institution (such as a bank) that transfers funds. Since the fund is of a transitional nature, the one-price mutual aid housing fund platform 4〇2 will provide a competitive bidding combination for a member. Option to provide a certain choice, and as a future settlement of the transitional funds. 20 200903370 Because the amount of 5.4 million transitional housing mortgage funds is not enough to restore _ 10,000 yuan bank housing a F can be self-proclaimed temple Measure 600,000 baht of funds to make up the difference, or apply for the funds through a financial institution that is responsible for the operation of the one-price mutual-assisted home loan platform 402. If a member decides the price In the end, the mutual-assisted home loan platform applied for it, and the analysis of the successor-style housing loan platform 4〇2 was carried out, and the price-to-price mutual-assisted home loan platform 4〇2 will provide another member A. Ten thousand yuan credit loan (this kind of ruling on the credit status of a certain party will require additional collateral, or request to provide a company to reduce its credit risk), : cooperation - price in the end of the mutual aid housing loan platform 4 〇 2 Providing a certain amount of a transitional mortgage loan of RMB 540,000 will be enough to pay off a member’s 于 10,000 yuan Wei. When a certain party completes the settlement of the original bank, it will be able to bid based on the previous simple choice fund. The bidding cap and term conditions, participate in the mutual aid material platform money transaction (step Sl5). Due to the fact that the operating base of the self-employed home loan platform is based on the mutual assistance of the members and the combination of the funds and the funds of the gods, it is necessary to rely on the participation of other members to complete the portfolio. For the formation speed of the combination of the speed and the price of the mutual aid-type wide house «the platform 4〇2, the members can only choose the county combination provided by the mutual loan platform. For example, the right one will be _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ Yuan, that is, a bid of 5.4 million yuan. = Editing combination requires (10) name of the year, 12 years of the year) member participation, in addition to a certain price in the end of the mutual aid type of housing platform 4G2 must recruit the name of the name to join this combination (steps after a period of time, the combination of members after the recruitment , here - the price in the end 21 200903370 Mutual-assisted home loan platform 4G2 will accept a bidding transaction for a group of neck and bidding combination. Then 'a member can be used in each period from one price to the mutual aid type home loan platform 4〇2 Before the set bid opening time, the user interface prepares a bid for the one-price mutual-assisted multi-family loan platform (step S 303). The mortgage bidding module 409 determines whether the bid input by a member is a validity standard. Gold (step just. Because the standard gold input by a member is within the range specified by the mortgage bidding module, other input errors are indicated, indicating that the bidding module side accepts the bid for the bid and has the t-mark When the Dangda-Price County Mutual Aid Home Loan Platform starts the bidding time, it is determined by the mortgage loan, _ according to all the gold funds to determine whether the bid of the member of a certain member is awarded (step S309). Machine operation to move the platform and Loan funds bidding combination of 1, the Department funds if members of the bid and that can be achieved in the following formula conversion made: first η standard repayment period was

Formula 1 :

An or formula 2:

An

~ n)) + (U y- {n ~ 1)) + ^ Λ where • The total amount of money that can be obtained by the η-negative indicator U: indicates the unit amount Ν: indicates the total number of periods 22 200903370 η: indicates fresh Number of bidding transactions

In: indicates the bid amount of the nth period, which means that the interest rate of each period that the member is willing to pay is a valid bid and if the platform bidding transaction is completed according to the rule of formula i, a member A bids in the first period of 1,0 (8) yuan. If the standard is awarded, then a certain contraction (30,000 yuan to 1, 000 yuan) X (such as ~)

Available: ) +3〇,〇〇〇元X

And to other members = 5, (9),000 yuan according to the design of the present invention, through the price-to-the-internal mutual-assisted home loan platform, his (four) delivery model is Yucai · Deqijin 5, 1 Yuan Yuan Wei Yuan transitional housing Mortgage loan (step magic u). As the funds of the refining and mutual aid type housing loan platform 4〇2 are determined through the bidding mechanism, there is uncertainty in the bidder's hometown s. The bidding proceeds are the same as the transitional light mortgage payment amount. In this case, the tens of thousands of W will be extended in the form of existing mortgage loans, or through the housing structure module 408 of the one-price mutual aid housing fund platform 安排4 to arrange for participation in other short-term microfinance bidding combinations. Reimbursement of the payment (step S107). After a member has marked 5,191, 〇〇〇yuan and paid off part of the transitional mortgage, in the future bidding portfolio (in this case, 179), A member must reimburse 30,000 yuan per month for the one-price mutual aid-type housing fund platform 402 (step S109). In this process, the participation in the one-price mutual-assisted home loan platform 402 bidding and liquidating the transitional house mortgage payment is The meaning does not only mean that the transitional function of the bridge loan, 200,903,370, can be retired, and the original principal and interest are subject to interest rate fluctuations (whether it is A silver). The transitional housing mortgage loan provided by the property or the platform will be converted into a fixed amount to repay the housing capital after the procedure, that is, the spirit of “one price to the end” will be implemented. The above is not only for the bank. In the case of Section (4), for the members of Xinjingwu, in addition to the need to enter (4)f to pay off the bills, the procedures can also be carried out in accordance with the above-mentioned mechanism of making the bottom-supporting housing. A member of B is a newcomer to the society. After the graduation, the new company will go to work. In order to avoid over-consumption and think about future life planning, a member B decides to accumulate “family” fund for his own life as a future. Because a member of B has entered the society, he has no urgency for the county in the short term. Pure-banks provide low deposit solutions and cannot meet the requirements of forced savings to complete the future counties. ―Prices in the end of the mutual aid housing loan platform” 'Knowing that it can assist in the completion of the purchase plan, and the financial institutions responsible for the operation-prices in the mutual aid-type housing loan platform 402 - The application for the price of the mutual aid type home loan platform 402 (step S101). Via the teacher 501 to the step of the Qing dynasty, - the price of the mutual aid type housing f section Ping (10) accept and pass a member's towel to add people "- price in the end mutual aid After the house woman’s platform, a member of B

The account number and password are entered by the user interface 403 to log in to the price of the mutual assistance type housing fund platform 402. T, because a member B has not applied for transitional mortgage rights (step s2, one price in the end of the mutual aid housing), the platform will first ask whether a member B handles the transitional housing mortgage fund 24 200903370 (step lake). A member B is short _ there is no ability and willingness to purchase a house, so he decided not to apply for the loan. 'First-to-price-to-internationally-funded housing funds (4) to make deposits to accumulate housing: After the amount reaches the target, Buying a house (step S217). According to the analysis of self-requirement, a member B decides that the future purchase will be based on the purchase of a house worth 50,000 yuan, and the market-like house purchase will be paid by 20% of the self-prepared funds. When Jiner reaches 1 million yuan, he can start to charm. After analyzing the online questionnaire provided by the price-to-external shouting Weiwei platform tears, a certain B member decides to participate in the price-to-internal mutual-assisted home loan platform, his ki, 2G years' The bidding for each time is i, the capital limit of 20,000 yuan (that is, the size of the bidding combination is RMB X240 = 4.8 million yuan), and the bidding combination of the one-price mutual-assisted housing loan platform ship completes the bidding combination. After the inclusion of 240 members of a certain B member, the bidding portfolio was officially operated. In the initial stage of the operation of the listening group, since a certain member has not yet possessed the collateral for the price, the mortgage of the mutual aid home loan platform is in the ', 丄Under the quota, there will be no price for the tea and the price of the mutual aid-type housing loan platform, such as 2, but it can be wrongly awarded by the winning members and enjoy a higher deposit rate.

However, as time passes by each meeting, it is assumed that the deposit amount accumulated to the 51st «B member-price-subsidy housing-type housing platform 402 has exceeded the self-set amount of 1 million yuan. λ brother, the amount of each B will be less than 20,000 yuan per period, the accumulated savings staff will reach 100 baht later than the first period), after the meeting will begin to purchase. Looking for a month, a B member decided to purchase a seller's bid of 550 million yuan in the 52nd period until the gray member did not have enough funds to pay the 5.5 million. 'So the one-price mutual aid housing fund platform 4〇2 Apply for transitional housing mortgages to support the purchase of housing 25 25200903370. A member of A provides real estate information in a one-price mutual-assisted home loan platform 402. The value of the housing market is about 6 million yuan via the results of the evaluation of Yang Zhizhi, the real estate appraisal module of 4Q2. 〇 5). According to the valuation of the real estate appraisal I group 4〇6, the transitional housing audit module 4〇7 of the one-price mutual-subsidy home loan platform 4〇2 is given according to the location and condition of the house. The estimated amount is 80% for the nuclear loan, and the result of the review is _ the result of a price-based mutual aid housing payment f flat 402 to give a member B a 4.8 million yuan transitional mortgage (step S2〇7). If a member thinks that the price is in the end, the result of the real estate appraisal of the self-propelled wide-family loan platform is objective and fair, and agrees to accept a transitional mortgage loan of 4.8 million yuan (step S2〇9). However, after signing the mortgage contract and setting the mortgage, the transitional mortgage loan of RMB 10,000 and the actual house expenditure of 5.5 million yuan still have a gap of RMB 700,000. A certain B can raise funds to make up the gap, or pass through the price. An analysis of the structure of the mortgage structure of the Mutual Aid Loan Platform 4〇2, with a loan of RMB 70 million (depending on the status of a B member (4), asking for a collateral, or requesting the addition of a company), To pay the 5.5 million purchases to the house seller (step S2U). As a result of the - price in the mutual aid-type housing fund platform 402 households to give transitional mortgage loans basically similar to the general room Wei, still adopt floating method to bear interest, no tax avoidance interest risk. In order to obtain the effect of a fixed amount of payment, it is assumed that a member B will bid U00 on the 54th-to-price mutual-assisted housing fund platform 402 (step, step S3〇3), and the one-price mutual aid-type housing fund platform 402 Checking the B-member's standard gold as a valid standard (step S3〇5) and obtaining the bid (step S307), according to the above formula, then the price of the mutual aid-type housing fund platform is 200903370 (S31I): The B-members settled by the Settlement and Reconciliation Groups are referred to as the total standard amount (step (20,000 yuan - 〗, 〇〇〇 yuan) X (240. .54) +20, 〇〇〇元X (54 yuan 4,594,000 2 = _like 'the ^ gold will give priority to the amount of compensation for the four (four) ferry jing # s s in the - her mutual aid-type platform platform combination bidding mechanism, due to the existence of the wrong standard of gold, the bidding funds are difficult to obtain With the fine fiber 1, _ _ _ (峨 购 购 兀 兀 红 红 红 红 红 红 红 红 红 红 红 红 偿 偿 偿 偿 偿 偿 偿 偿 偿 偿 偿 偿 偿 偿 偿 偿 偿 偿 偿 偿 偿 偿 偿 偿 偿 偿 偿 偿 偿Other funds bidding for repayment of the county's money. Phase _, at the end of (four) points to the "Chongqingguan, in the absence During the duration of the combination, the rain of a member B is as fine as the (10) handle platform (step SK) 9) 'to get the benefit of the "price to the end" housing funds. The two embodiments mentioned above, in order to avoid - At the end of the price, the mutual assistance type of home loan platform 402 has approved the payment of the New Zealand mortgage green insufficient payment (or the settlement of the original), or because the price is not enough to repay the funds in the bidding for the mutual aid housing loan platform. The transitional mortgage loan of the Guangwu Loan Platform 402 is such that it is necessary to raise funds by itself or introduce credit funds. In fact, it can be obtained by participating in a gambling combination of a finer or higher cap. Compared with the pure standard target #金, the situation of the gold gap occurs in the future. If the scale is more than the room f customer (four), it can also be expected to invest in other financial products. 27 200903370 Example 3 A member of the C--public class The supervisor, who owns the self-owned house that has paid off the loan. Since the existing house has gradually been unable to meet the needs of the family, the company has accumulated funds for the replacement of the platform. After its assessment, it has its own house _ price _ 10,000 yuan In addition, with its own deposit of 10,000 yuan, it still needs 7 million yuan to reach the goal of repurchasing a market value of 1,5 (8) million yuan. After the analysis of the price of the mutual aid-type housing loan platform 4〇2, it is decided to join the period of MO period and bidding. A mutual aid-type mortgage portfolio with an upper limit of 30,000 it. After participating in the 33rd period, a member of C is actually deposited.

The funds have reached _〇〇元 (step S217). However, at this time, two members temporarily received a notice from the company to be assigned to a foreign country. For this reason, they must abandon the original house replacement plan. From the price of the mutual aid-type home loan platform 4〇2 of the mortgage bidding fine Mo group 4ιι for each combination of each county won the standard according to its deposit and future income and other difficulties will be issued to the mortgage loan warrants (can be riding or non-physical Form) to indicate that the member has the right to bid for future funds' and to use it for various replenishment, l borrowing or bidding transactions. At this time, a C-member will be able to transfer the mortgage-backed warrants held by the one-price mutual-subsidy home loan platform (step 3). At this time, a Ding member purchased the mortgage loan warrant by the platform warrant transaction price of RMB 920,000. For a certain C member, the sale of the title bidding certificate is not (4) the current profit of 40,000 yuan (33 yuan, 30,000 yuan, also 10,000 yuan), and can successfully withdraw from the bidding and submitting the "combination." Mortgage bidding warrants will directly participate in a 2,7-period 30,000 gold bidding combination to earn future interest income and respond to future housing demand. Just mentioned the second example is not considered - the price is mutual aid The fee for the home loan platform, due to 28 200903370 performance fee 'as a financial institution to provide a price to the general bank mortgage, the purpose is to provide direct access to members, and the price is mutually supportive (four) Ping 2: = mutual aid The financial institution operated by the mortgage-based platform can remunerate the service of the platform of the mutual aid-type housing. As mentioned above, the value of the mutual-assisted heart-to-heart is still in the provision of a fund-based bidding mechanism. After the (4) core of the mutual mutual aid material platform exists, < will 'service fee should be basin ± φ K, /

^^ 16 faces. Therefore, the system is transformed from the financial service intermediary of Jinluoshi Direct Financial into the role of financial service provider. The above example is only for the convenience of the 1 model. The above is the standard and the above embodiments are limited. 29 200903370 [Simplified illustration of the drawings] Figure 1 is a block diagram of a platform for one-price mutual-assisted home loan of the present invention; Figure 2 is a flow chart of one of the price-to-top mutual-assisted housing loans of the present invention; A flow chart of a member of a mutual-interest-based home loan entering a one-price mutual-assisted home loan platform; Figure 4 is a flow chart of a transitional mortgage loan issued by one of the prices of the present invention in the form of a mutual-assisted home loan bid; It is a flow chart of bidding for one of the prices of the present invention. [Main component symbol description] One-price mutual-assisted home loan platform 402 User interface 403 Management server 404 Membership verification module 405 Real estate appraisal module 406 {, Transitional mortgage review module 407 Mortgage structure module 408 Mortgage Bidding module 409 settlement and delivery module 410 room f bidding warrant module 411 database 412 30

Claims (1)

200903370 X. Patent application scope: 1. The method of multi-functional mutual housing loan, which is applied to the platform of one-price mutual aid housing loan, the method comprises the following steps: applying to enter the platform through a user interface; The platform issues a transitional mortgage based on the real estate information provided; ° / level. The bidding for the 彳(4) Mutual Aid Home Loan is based on the bidding of the bid to determine the amount of the 'subject and the settlement and payment of the bid--the amount of the subsidized housing loan {. The one-price mutual-assured housing loan will be repaid to the transitional mortgage; and the pay-as-you-go-house will be delivered to the platform on schedule. 2. If you want to apply for the first time, you should use the following steps: If the platform is used for the first time, the system will input the user-subscriber's basic information to the member's identity audit module; the member's identity review module will review the basic information of the user to determine the entry. Whether the eligibility of the platform is met; ° ', the #身审审_ group sends an error message if the eligibility to enter the platform does not meet the user interface; if the eligibility to enter the platform is met, then the membership The audit module sends an account number and a 31 200903370 password to the user interface, and stores the user basic information, the approved result, the account number and the password in the database; the user interface inputs the account number and the The password is used to log in to the platform; and if the platform is not used for the first time, the account and the password are entered by the user interface to log in to the platform. 3. The method of claim 2, wherein the user basic information includes at least a name, a date of birth, an identity card number, personal finances, personal work, and the like. {4] The method of claim 1, wherein the step of issuing the transitional mortgage loan by the platform further comprises the following steps: a transitional mortgage review module of the platform from one of the platforms of the platform Obtain data to determine whether a transitional mortgage has been applied for; if the transitional mortgage has not been applied, determine whether to apply for the transitional mortgage; to apply for the transitional mortgage, Providing real estate information for the valuation of one of the platform #real estate appraisal modules, and storing the results of the appraisal in the database; 1. based on the results of the appraisal from the database A transitional mortgage review module determines the amount of the transitional mortgage loan for the real estate; determines whether the amount of the transitional mortgage approved by the transitional mortgage review module is accepted; The amount of the transitional mortgage is signed and the mortgage is set. 'According to the transitional mortgage The duration of the bid with the platform 32 200903370 and the amount, the difference between the results of the real estate survey taken by the mortgage structure module of the platform from the database and the Shai transitional mortgage loan, and The data is stored in the database; the transitional mortgage loan is issued by the platform; if the approved amount of the transitional mortgage is not accepted, it is determined whether to leave the platform; If you do not leave the resignation or do not need to apply for the transitional mortgage, deposit the deposit to the platform; from the platform - the bidding warrants · the amount of interest available according to the deposit of the deposit - mortgage loan "" and touch _ Rhyme (4) proof _ the result of the processing in the database; determine whether the transaction of the mortgage bidding warrant is to be performed to the platform, and it stores the result processed by the mortgage bidding module in the database; and if the In the transaction of the mortgage loan bidding certificate, the mortgage loan bidding certificate module transfers the mortgage loan bidding certificate.如 If applying for a patent, the method of item 4, in which the member of the house bidding competition of the certificate of the warrants is the corresponding qualification of the members participating in the bidding combination.夤 Borrowing and selling transactions, etc., such as the method of applying for the fourth paragraph of the patent scope, wherein the mortgage bidding certificate can be transferred, and the 200903370 material reading module is based on the _fang Lai bid combination to wait for the combination office. The amount of the bidder is full; when the bidder is full, the gold is submitted to the platform by the user before the bid opening time to determine the bid of the mortgage bidding module is (4) the effective bid; If the input amount of the input person is not a valid standard, it is judged whether the re-input of the bid is made to the platform via the user interface; if the user is re-inputted to the fresh table via the user, the mortgage bidding module is used. Determining whether the input standard is a valid standard; if the user is not required to re-enter the standard deposit for the platform, one of the money platforms settles the deposit amount with the parent cutting board group# and deposits The settlement and delivery results of the settlement and delivery module are stored in the database; if the input standard is the butterfly, the Lai Shigang, _fiber standard module determines whether the input standard is based on all the knowledge. If the entered standard is not awarded the deposit of the calculated deposit amount, the deposit amount of the mortgage-based warrants module will be issued based on the deposit and the amount of interest available in the future - Fang Wei « The certificate 'save the smuggling certificate _ _ results in the database; to determine whether to conduct the mortgage loan bidding transaction to the platform; to enter the 彳亍 亥 房 housing mortgage bidding transaction, ρ 丨丨, J Deducted from the δH room; [The demonstration module carries out the transfer of the 200903370 loan bidding certificate, and stores the results processed by the mortgage bidding certificate module in the database; and the bid entered on the right, The settlement and delivery module settlement and delivery result is the amount of the one-price mutual-interested home loan, and the result of the settlement and delivery of the settlement and delivery module is stored in the database. 8. The method of claim 7, wherein the opening time is set by the platform. Kind of platform for the mutual aid home loan, which includes: - a database for storing data; and - a management server comprising: a staff injury audit module for verifying a user's basic information and storing the user's basic information and the verified results in the database; The real estate appraisal module is configured to perform the identification of the value of the real property and store the result of the appraisal in the database; and a transitional mortgage review module for extracting the basic information of the user from the database, The verification result of the membership verification module and the identification result of the real estate appraisal module are analyzed - the miscellaneous mortgage of Wei Zhichun, and the amount is stored in the database; 'bidding the program turtle, (4) building the domain platform , the standard gold is missing the standard surface, in order to determine the 4 gold t 'and bribe the bidding process module _ processing the bidding results in the database;, settlement and ' '彳 彳 __ take _ fruit, _ standard amount and deposit Settlement and repayment of transitional housing mortgages, acquisition-prices in the end of mutual aid housing 35 200903370 Housing loans, repayments - repayments of mutual aid-type housing loans and unsuccessful deposits, etc. (Iv) settlement and clearing and settlement of cross-processed results depends on the group in the database. 10. The platform of claim 9 of the patent scope further includes: - a user interface for linking to the platform by means of communication. U. For the platform of claim 9 of the patent scope, the basic information of the user includes at least the name of the birth date, the identity card number, personal finance, personal work and other information. c 12. If the platform of the full-time ninth item is requested, the member's auditing module will issue an account number and a password after verifying the basic bedding of the user, and store the account number and the password in the database. I3. If the platform of claim 9 is included in the scope of patent application, it also includes: 々 、, σ 模 ' ' 'A used to obtain the identification result of the real estate identification module from the database _ _ transitional housing loan quota for both The analysis of the difference and the results of the analysis are stored in the database. ί; 11 The platform of the ninth patent scope, including: The mortgage bidding warrant module, which is used to issue a mortgage loan bid certificate according to the deposit and the interest available in the future, and handle the transfer and loan of the mortgage loan bid certificate. , the sale of the transaction, and the storage of the results of the 4 room Wei Biao successor module in the database. 36