200905592 九、發明說明： 【發明所屬之技術領域】 本發明-綱底互赋縣做之綠與_，其目㈣是因應網路 科技時代直接金融的存借機制’利用購屋者的互助平台，形成房貸資金的 來源’再_投標方法，顿最熱_料資輕求者，完簡金的最佳 配置效率。 網際網路連線層面，會員可以有線及無線連線設備，如電腦、囊、 手機等與平台伺服ϋ進行連線，並執行平台會員登人、資金競標、資金撥 付等流程；在資訊歧層面’將融倾縣概餘歧技術，執行不 動產鑑價、絲f款額度分析、會貞平域標及骑聽觀Μ等流程。 【先前技術】 房屋f款’長久以來就是銀行界的主要業務，以台灣而言，_年底 之營業規模達四兆四仟壹純元，面對如此獻的資金需求，銀行界向來 以活期存款錢三細下的定期存款，挹战天期縣餘的資金需求， 這種全世界簡f的料資金供需模式，被_「以短支長」。銀行界受限 於短期資金來源，又為了在長天期的房屋抵押餘中賺取利益，勢必採取 浮動利率，刺率驗轉嫁給料客戶，料客戶永雜轉確地估算到 底要繳多少利息，而銀行則在資訊不對稱中取得優勢，獲取暴利，以雇 年底之本國銀打存放款平均利差1.77%計算，每一年全台灣的房贷住戶就要 貢獻近800億元的房貸利差，消費者永遠是弱勢的一方；追根究抵，房贷 200905592 客戶背負的纖力，从細「咐長」蝴巾介利潤所造 成。 關於房貸問題’許多有識之士都在尋求解決之道。台灣專利公開號 00575825之「金融消費性產品網際網路撮合之方法」，以_振合平…汗: 費者登錄之倾’與各金融機構所提供之料、信时產品條贿合= 成交易H它既未解雜行之「赌支長」_，絲麵房贷 之利息負擔。 ' 中國專利公開號CN15()3172A之「電子化房#系統」，將房貸承作之書 面、人工健流程電子化，卻完全未觸銀行金供需模式及房縣 戶利息成本做改善。 、 美國專利編號 US 5,995,947 之 _tgage and - mfo^on and real-tlme trading system，^ 資金需求者轉與較易；_給者可叹__人；好奸 給者為金融機構，其賺取存放款利差的本質仍未消失，故提供之利率科 _優於其專利交易平台以外之房貸利率水準；而房貸期間長達數十 ==翻之架構下，若料再射的錢市場《達，職人供給者 之參與思願必定低落；相較 料牧—Μ敍助私f系統與 /」人供給者參與交㈣卩能藉由存借—體特色，提供潛在 7者儲蓄功能，使其成為資金供給者，巧妙地提升個人供給者之參與意 題的核心，至多是改善問題罷 上述三項專利的解決方案，並未直指問 200905592 了i若是「以短支長」的問題本龍法解決，料客戶承受之利息壓力亦 =減輕。近來美房貸款金融巨人細此_忍為„每期 〜金額m定H有婦款人自行評估未來還魏力及控管自身之財 務風險^最理想的雜。本伽提出之「—價到底」互助式房屋贷款方 法’乃是利用網路科技之直接金融存借機制，創造銀行與存、借方三贏之 局面料各戶和存款者藉由交易平台達成零距離接觸，房屋資款的資金 由儲蓄者直接提供，銀行的肖色峰取繼师金中介者，翻為提供資 金平台賺取手輕和保證t的平球供者，金融史上銀行「赌支長」的 _不婦在；麵雙如標金_、以絲方式錢彼此，借款方 得到存款方⑯資助並固定金額攤還，而存款者亦等於進行儲蓄以縣來構屋 之用㈣底」於焉絲，畴借雙方更n絲過崎直接競價， 可獲得更大的利益。 、 【發明内容】 本發月之&到底互助式房屋資款系統，係將直接金融思維，以資金 競價平台«融Μ„射。此平㈣概之—是糾存借—體的機 制將有購屋而求者的資金結合起來，自成一個互助群體，銀行僅提供短 期的過渡性房f杨統將可解決銀行如軸存款支應細放款的 困境。 此千台的弟二個特性是會員之間的競標關係能提高資金使用效率。會 貝财鳩了自_恤从⑽I，叫議由纖 200905592 需求的會貞來使用，得齡貞也有機會取得1 制將資錢由有較強資金 場條件更優,__ w獨寻比市 品。 羊❿且疋會貝依據自身經濟能力規劃的客製化房貸產 此平台的第三個特性是得標會員每期以―岐金額還款，這就 *疋利率的物品。樣嫩會貞靖赚 ，^固 變化難鳴_貸市場更能觸費者賴"在利率 降低四個特性是利用網路科技讓存借雙方在平台上直接相遇， -、、’又、成本’進而使得交易雙方都能獲取更 不僅提供房货會員更優惠的借款利率，亦 口此本糸統 利率。 hM、存认會貝優於市場的定存 力，㈣性是發揮銀行具有比較利益的徵信和風險承擔的能 ，、式房貸會貝的權益。因此本系統 心的違約風險，讓會㈣產品更有信心。邊鱗4參與者擔 卿ΓΓ㈣第六靖性是辟齡員的競__行證券化，以便 *之又易，此工具能提升平台會員的資金配置效率。 由於銀行界都以短期存款支應長期房資，在市場利率變化難測下，市 採取軸稱，不但產品㈣性高，定純沒有區隔， 性乂:戶的實際需求。傳統型式的房屋貸款不僅增加客戶還_定 /虽利率大幅升高時’亦為銀行帶來倒帳風險。本系統提供的房贷產品 ==方式取代“以短支長'讓浮動利率變成為‘‘―價到底，，的 W方式；讓銀行賺取繼的營業模式變成為賺取手續f的公平方式更 200905592 -子曰又方魏取得胁市場行情敝易條件 有自主性的客触商品。它料《下的辭性和產業利雜取传具 】· mr，在於結合房屋貸款與直接金融存借平台。會員依據自 身構屋計晝可選擇先在平台上存款、或者直接申請房屋贷款，已有房 資者亦可轉贷參與此平台。房贷會員進入平台競標，得標後每期以— 固疋金額償财#，可免除-般房Μ費者諸的利率風險。 2.本發目的’係_會員雜—體財賴«金。騎資金由會 員”同承擔’銀仃僅在房貸會Μ尚未得標前給予軸的過渡性房資， 因此以短支長的困境自然可以逐步克服，也讓銀行的糊來源從利差 轉為手續費’讓銀行雜化為真正的金融服務業。 本發明的目的，係降低存借雙方的交易成本，讓借貸以及銀行三方都 獲益。存借雙方在鱗料上細目遇，降歸金㈣的成本；此外， 銀綱其擅長咖與風險計算能力，提供會編機制，降低資 訊t集的成本。如此-來，相較於—般料，此平台能夠讓三方獲得 更大的交易好處。 本發明的目的，係提供會員《«的—個存借-體的資金平台，作 為累積購《金或頭期款的工具，同日村_比市場更優惠的利自收 益。由於此平台包含__存鱗備行為，叹未較額式償還模 式’因此是-種·料，異於魏塌鱗才發㈣點式房贷。、 本發明的目的’係提供房貸會員客製化還款條件。會員可以依據自身 的經濟能力選顯款娜與金額，也可爭取·市場條件更好的還款 200905592 利率 6.本房貸產品具有存借一體機制，銀行所得到的不僅是借款客戶 吸收先存款後購屋的客戶，此與—般房貸產品有的市場區隔，可 增加客戶的忠誠度及與銀行歸互動機會。 本房g結合存款與借款功能，不僅是客戶房贷資金取得管道，亦b 客戶—項理財管道，將.客戶帶蚊佳的融資與理財服務，亦= 客戶參與辭細縣之忠缝，讓崎增祕轉他^行鎖機日 會。 8.本發明的目的，係提出存款會綱競標權證設計。此設計便利存款 會員將競標權利進行質借、競標、轉讓，將可提升會員資金配置效2 及參與平台意願。 為實現以上之目的，本發贼構—個—價職互助式房屋魏系統， =以—管糊服《過晴或通訊與補定使財連線，啊管理飼服 ，供特定網頁’供不·姻者的裝置與其連結。其操作步驟如下： 娘、，—會員審纽登錄步驟。不特定的個者係指完柄有基本資料輸入 =審查⑼麵繼成物抑下會員）。嫩入系統網 '並且雖會貞帳叙會貞麵，經平台檢核^ 平台登錄。 貝身刀’取後會貝完成 η、-過渡性房”請步驟。會討以選擇存款或φ請過渡性房貸，前者 是為存款會員，是過渡性錢會s。舰性騎會肢進行不動產鑑 200905592 價，接著組織房貸結構，若會員 纖構戰押，完二員’若同意該 =W標組合成歸驟。平台將相_ 或特疋f軸—__組合。200905592 IX. Description of the invention: [Technical field to which the invention belongs] The present invention--the core of each other is the green and the _, the purpose of which is (4) is to respond to the direct financial lending mechanism of the Internet technology era, using the mutual aid platform of home buyers, The source of the formation of mortgage funds 're-bidding method, the hottest _ materials are light, the best allocation efficiency of the simple gold. At the Internet connection level, members can connect wired and wireless connection devices, such as computers, capsules, mobile phones, etc., with platform servos, and perform processes such as platform member boarding, capital bidding, and fund disbursement; 'The company will implement the technology of real estate appraisal, real estate appraisal, silk f, and the process of riding and watching. [Previous technology] Housing f' has long been the main business of the banking industry. In terms of Taiwan, the business scale at the end of the year reached 4 trillion yuan. In the face of such capital needs, the banking sector has always used current deposits. The time deposits made by Qian San, the demand for funds in the Tianxian County, the supply and demand model of the world's simple funds, was _ "short-term support." The banking sector is limited by the short-term funding sources, and in order to earn profits in the long-term mortgage of the house, it is bound to adopt a floating interest rate, and the rate will be passed on to the customer. It is expected that the customer will always estimate the amount of interest to be paid. Banks have gained an advantage in information asymmetry and obtained huge profits. The average interest spread of domestic silver deposits at the end of the year is calculated at 1.77%. Every year, Taiwanese mortgage residents will contribute nearly 80 billion yuan in mortgage spreads. Consumers are always the weaker side; the roots of the mortgage, mortgages 200,905,592 customers carrying the fiber, from the fine "咐长" butterfly to the profit. Regarding the mortgage problem, many people of insight are seeking solutions. Taiwan Patent Publication No. 00575825, "Methods for the Integration of Financial Consumer Products Internet," to _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ Trading H, it has not solved the "gambling chief" _, the interest burden of silk mortgage. 'China Patent Publication No. CN15() 3172A's "Electronicization Room # System" electronically digitized the mortgage and the artificial health process, but did not touch the bank's supply and demand model and the interest cost of the county. , US Patent No. US 5,995,947 _tgage and - mfo^on and real-tlme trading system, ^ Capital demanders turn easier; _ givers sigh __ people; rapists are financial institutions, earning The nature of the deposit spread has not disappeared, so the interest rate section provided is better than the mortgage interest rate outside its patent trading platform; and the mortgage period is up to tens of times == under the framework of the restructuring, if the re-shot of the money market Da, the supplier's participation will be low; compared to the pastoral--------------------------------------------------------------------------------------------------- It has become a fund provider, subtly enhancing the core of the individual supplier's participation in the topic, at most the improvement of the problem, the solution to the above three patents, did not directly ask 200905592 i if the "short-term" problem Longfa solves the problem that the interest pressure on the customer is also reduced. Recently, the financial loan giants of the US housing loan have made this _ perseverance „Each period~ The amount of money is fixed. There are women who are self-assessed in the future. We also use Wei Li and control the financial risks of the company. ^ The most ideal kind of miscellaneous. The Mutual Aid Housing Loan Method is to use the direct financial deposit and lending mechanism of Internet technology to create a win-win situation between the banks and the depositors and borrowers, and the depositors can achieve zero-distance contact through the trading platform. Directly provided by the saver, the bank’s Xiao Caifeng took over the teacher’s intermediary, and turned it into a fund platform to earn the light and guarantee the flat ball supplier. In the financial history, the bank’s “gambling chief” is not in the face; Double as the standard gold _, silk money to each other, the borrower is funded by the depositor 16 and a fixed amount of amortization, and the depositor is equal to the savings to use the county to build a house (four) the bottom" n silk through the direct bidding, you can get more benefits. [Summary of the Invention] This month's & the mutual aid-type housing fund system, the direct financial thinking, the fund bidding platform «融Μ „ shot. This level (four) is the basis of the mechanism The funds of the purchasers and the seekers are combined to form a mutual help group. The bank only provides short-term transitional housing. Yang Yang will solve the problem of banks such as the axis deposits. The two characteristics of the thousand brothers are members. The bidding relationship between the two can improve the efficiency of the use of funds. The company will use the _ shirt from (10) I, and the meeting will be used by the meeting of the demand of the fiber 200905592. The seniors also have the opportunity to obtain the funds from the system. The field conditions are better, __ w is only looking for more than the market. The third characteristic of the platform is the customized property of the platform based on its own economic ability. The third characteristic of the winning member is to repay the amount in each period. This is the item of interest rate. The sample will be appreciative, and the change will be difficult. The loan market is more affordable. The four characteristics of interest rate reduction are the use of network technology to make the deposit and withdrawal parties directly on the platform. Meet, -,, 'again, cost' Both parties to the transaction can obtain a more favorable interest rate for not only providing the members of the cargo, but also the interest rate of the company. hM, the recognition of the club is better than the market's fixed power, (4) sex is to play the bank's comparative advantage The letter and the risk-bearing energy, the type of mortgage loan will be the right to the shell. Therefore, the system default risk, let the meeting (four) products more confident. Side scales 4 participants to bear the Qing (four) sixth Jing is the competition of the age-old _ _ Bank securitization, so that it is easy, this tool can improve the efficiency of fund allocation for platform members. Since the banking sector all pays long-term housing with short-term deposits, the market adopts the axis name, not only the products (4) High sex, no purity, no gender, gender: the actual needs of the household. The traditional type of housing loan not only increases the customer's _ fixed / even when the interest rate rises sharply, it also brings the risk of lodging to the bank. The mortgage provided by the system The product == way replaces the "short-length" to make the floating rate become the ''---the price of the W-way; let the bank earn the success of the business model into a fair way to earn formalities f. More than 200,905,592 - Fang Wei Have threatened market conditions have easily defeated the autonomy of customer contact products. It is expected that the following words will be used in conjunction with home loans and direct financial deposits and borrowings. Members can choose to deposit on the platform or apply for a home loan directly according to their own housing structure. The existing owners can also transfer loans to participate in this platform. Mortgage members enter the platform to bid, and each period will be exempted from the interest rate risk of the house. 2. The purpose of this issue is _ _ member miscellaneous - body wealth depends on gold. The riding fund is funded by the member. The same is true for the bank. The short-term leader’s dilemma can be gradually overcome, and the bank’s source of the paste is changed from the spread to The fee is 'to make the bank hybridized into a real financial service industry. The purpose of the invention is to reduce the transaction costs of both the borrowers and the borrowers, so that both the borrowing and the bank can benefit. The borrowers and the borrowers meet in detail on the scales. (4) Costs; In addition, Yin Gang is good at coffee and risk computing, providing a mechanism for compiling and reducing the cost of information sets. So, compared to the general situation, this platform can make the three parties get more transaction benefits. The purpose of the present invention is to provide a member of the «"------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------ __Save the scales of the behavior, sigh not the balance of the repayment model 'Therefore - the species and materials, different from the Wei squad (4) point-type mortgage. The purpose of the present invention is to provide mortgage repayment conditions for mortgage members Members can rely on The economic ability of the body can be selected and the amount can be won. The market conditions are better. Repayments 200,905,592 Interest rate 6. This mortgage product has a deposit and loan integration mechanism. The bank obtains not only the borrower who absorbs the first deposit and then purchases the house. This is different from the market of the general mortgage products, which can increase customer loyalty and opportunities for interaction with the bank. The combination of deposit and loan functions is not only a channel for obtaining customer mortgage funds, but also a customer-item management channel. The customer will bring the financing and wealth management services of Mosquito, and also = the customer participates in the loyalty of the county, so that the increase will be transferred to him. The purpose of the invention is to propose a deposit meeting. Warrant design. This design facilitates the deposit member to bid, bid, and transfer the bidding rights, which will enhance the member's fund allocation efficiency 2 and the willingness to participate in the platform. In order to achieve the above objectives, the thief has a price-price mutual aid house. Wei system, = by the tube paste "too clear or communication and supplement to make the financial connection, ah management of the feeding service, for a specific page 'for the husband and wife of the device to connect with it. The steps are as follows Niang,, - Member review newcomer login steps. Unspecified ones refer to the basic data input = review (9) face successor to the next member). Sent into the system network 'and although the credit will be discussed, Checked by the platform check ^ platform login. Be body knife 'after the completion of the y, - transitional room" please take steps. Will discuss the choice of deposit or φ please transitional mortgage, the former is a deposit member, is a transitional money will s. The ship rides the limbs to carry out the real estate test 200905592 price, and then organizes the mortgage structure. If the member is detained, the two members will agree to the combination of the W standard. The platform will combine the phase _ or the special f axis - __.
一观標4步驟。依據料設定_祕 内建的互蝴貸平台進行競標、“，〜員在系統 標的會員“標金，讀簡㈣細者。欲競 成為存款者。知猶鴨輪款者，其餘未得標者則 、”口與父告I]步驟。借款者由么社 ^ 收款項匯寄借款者進行钥。存‘二:θ ^應收款項’接著平台將應 者由平口結异會員應繳款項，接著存钦 會員將當_«顧人平台進行㈣。 ^ 一房贷競標權證核發與㈣步驟。由平台核發房獅權證，會員於 +台上選擇是錢彳淮_交易、競標㈣或是轉讓交易。 本發明之-價到底互助式房屋貸款系統包括一管理饲服器，會員利用 網際網路、有線通訊裝置、無線通訊裝置、或區域網路連制管理伺服器 、吏用者"面’會員與該伺服11即時安全交換訊息，會員在此操作身份審 :申叫房屋貸款、競標交易、以及結算與交割。系統包括—資料庫，用 來儲存上述操作過程所需的資料，同時記錄結果與更新資料。該系統進一 步包含下列模組： 一會貝身份審核模組。管理伺服器利用此模組處理申請者輸入的個人 貝料判斷该申請者是否符合會員資格。這些資訊都儲存在資料庫，曰後 200905592 會員登錄時，該模組提取該資訊作為管控之依據。 一不動產鐘倾組。管理値n洲此池處理會雜人的不動產基 本貝料、以及專業人員的鑑價結果。這些資訊都儲存在資料庫，過渡性房 資審核模組或房資結構模組可提取該資訊作為計算之依據。 -過渡性房貸審減組。管糊職彻此難計算會貞抵押之不動 產可核貸之額度，並將此資訊存入資料庫。 一房貸結構模組。管理舰器利用此模組計算會員房#總額的組成結 冓此、σ構係才曰抵押貸款、信用貸款、自備款的比例，並將此資訊存入資 料庫。 、 一房貸競標池。管理舰器彻賴組處料渡性料會員標金以 及判斷得標者，並將此資訊存入資料庫。 結异與交割模組’管理伺服器利用此模組對得標會員與未得標會員 分別進行結算與交割，並《料存人資料庫。 " 一房貸競娜賴組，f_服關狀處轉姐標權證核發 人父易，並將資料存入資料庫。 【實施方式】 以下特將實施方式詳細描述 ’並列舉較佳之 為使本發明可具體實施， 具體實施例說明如下： 願 圖-係-本發明—價到底互助式房屋贷款之流程 示。房貸客戶可參加-價到底互助式房屋貸款平台⑽），ς= 含蝴鳴、娜輪㈣味糊曙㈣麵:包 11 200905592 者。會貝可線上登”請辦理财性縣购f款⑽），若暫無貸款需 求可不”過毅餘，麵成為紐標結果喊生存款_之存款會員 ⑽）’奸有貸款需求則可進人平台之先期作業⑽），前述之存款會 貝在未來出現貸款需求時’也可進人該先期作業以進行貸款。在平台完成 ^赠業後，平台錢之房貸、结構馳將進行會員房屋貸款、二胎房 I、剌f款與_款等操作之_分析⑽），財會員量身訂做一套 d、且D t貞借得毅後即進人-制底互助式縣貸款競標 乂易（1G6)以進行競標，會M可於舰内各期皆進行競標直至得標，未得 標則可取得恤發崎卿職《t «⑽），會員可憑該 權:於日錢订權證㈣；得標則可將得標金麵以償還過渡性房屋抵押 、 ）而。金侧成為齡員之新餘，讀款a還款金額 _、，為—價到底餘⑽），使會員擺脫浮動卿、風險《評估之困 境，為未來還款取得保障。 θ系本·Μ月如、到底互助式房屋貸款先期作業之實施方式流程 圖’明純圖二所示。客戶t請參加—價到底互助式房屋貸款平台⑽）， 千台即進行該申請者之基本龍審核⑽），若審核未通過則該申請者無 法進入平台_，若通過則會員選擇是否辦理過渡性房屋抵押貸款 (綱）’若會員·顺’概供不誠贿平…誠織模組（4〇6) 進雒價⑽）’齡_雜敝⑽）則根_職結果計算出該 會員之過渡性房貸額度，平台即據此額度賦予該會員（綱），會員則據該 額度來概爾⑽），繼_⑽蝴嫩設定該不動 12 200905592 產之抵押，並可由平台決定或雙方協調決定該會貞參解台之驗與金額 (212) ’契約確定後，平台即核撥過渡性房屋抵押貸款（213)，該貸款由 平台直接匯人該不動產之賣方，或該轉貸之原貸款機構。而會員則進入— 價到底互助柄屋貸款平台（214)。 如上所述，會員若選擇不辦理房屋抵押貸款（204)，會員即由平台所 提供之期限與麵之？驗合帽—參加⑽），會員卿此結果成為存 T人S員⑽會員產生購屋需求（鳥），則向平台巾請過渡性房屋抵押資 款（207) ’並進入不動產鑑價⑽）等程序，以完成簽約及設定抵押，該 存款會員則成為擁有競標權利之會員。 如圖—之會員選擇是否接受該房貸額度（之⑹，若不接受則該會員選 擇^否退出平台（211)’純出_開此帽⑽），若不_則成為接 受競標結果利率之存款會M⑽），會員並由平台所提供之期限與金額之 多種組合中擇一參加。 圖三係-本發明-價職互助式絲貸款競標之實财式流程圖，請 參照圖三麻。擁錢標拥之會員（即簽立契約並設定抵押之會員）進 入房貸競標組合⑽），俟触合人數額滿（組合所需人數即組合期數， 如:十年期一個月一期的組合，共有2㈣，即需要⑽位會員），組合即 進仃運作（302)，每位會員可於每—期進行中選擇是否進行投標，若不投 標則逕行成為存款會員’若決定參與競標，會員可於各期開標時點前於平 台介面輸人標金⑽），系統即進行該輪人標金之有效性檢核（則，若 輸入之標金介於系統預設之輸入範圍内，且無其他輸入錯誤，系統即接受 13 200905592 該投標標金，該會員可以其投標標金於開標時點到達時⑽）進行標金比 價；若輸入之標金為無效，則系統將詢問會員是否重新輸入⑽），丁若選 擇重新輸人_到輸人標金之介面（3G3)，若不_輸人咖無投標會員 之身份繼續成為存款會員⑶〇)。系統屆開轉點⑽）即進行所有輸入 標金之比價（3⑺，並在所有有效標金传擇最高標金成為得標標金⑴ (308) ’若會員之標金為最高標金，該會員即得標成為借款會員⑽）， 平台並將計算此得標總麵償還過渡料屋魏，進而取得—價到底之房 屋貸款；若非最高標金，則賺取競標之利息成為存款會員⑶〇)以待下次 投標。平台會針對會員之存款核發房貸競標權證⑶n，會員可選擇是否 進行該權證之交易⑶2)，^選擇交易，可進行該權證之機（313)，若 不選擇交易，則繼續持有房貸競標權證，並保持存款會員之身分⑶仏 圖四係一本發明一價到底互助式房屋貸款之系統圖，請參照圖四所 示。該系、统（402)有-管理伺服器（4〇4)，此管理词服器透過網際網路、 有線通訊裝置、鱗通《置、或區域網路等方式並藉由使用者介面（他） 與會員（401)進行連結。同時管理伺服器亦提供網路連結，供會員以電腦、 手機、PDA等裝置與其連結。該管理伺㈣並可藉通賴路、有線通訊裝 置、無線通訊裝置與會員做-即時安全交換訊息，並與資料庫（412)及各 核組連結’將祕、訊息及結果分別存人所屬的資料庫。該—價到底互助 式房屋貸款之糸統進一步包含以下模組： 會員身份審核模組（405):該會員身份審核模組具有審核申請客戶之 基本食料，並觸是否接受該巾請之魏，經由管朗服器運算、處理、 14 200905592 分析、執行後，將資料儲存至資料庫。 不動產鐘價模組（406).該不動產锻價模組具有用於會員提出不動產 抵押申請時，針對該標的不動產進行鑑識、判別、分析及決定價值之功能， 經由管理伺服ϋ運算、處理、分析、蚊_、執行後，將資料儲存至資 料庫。 過渡性房貸審核模組（407):該過渡性房貸審核模組具有用於由會員 身份審核觀及補產鑑賴組娜分㈣料，並_計算對該標的不動 產之房貸賦予額度之功能，經由管理伺服器運算、處理、分析、交叉比對、 執行後，將資料儲存至資料庫。 房貸結構模組（408):該房貸結構模組具有用以幫助會員分析該不動 產鑑價結果及過渡⑽侧度，將_誠之過渡性房·度不足部分導 入其他W ’如—胎房>、jg用貸款等’並使會員據關別頭期款及總借 款額’以利做出合適決定之功能’經由管理伺服器運算、處理、分析、交 叉比對、執行後，將資料儲存至資料庫。 房貸競標模組（409):該房貸競標模組具有用以為會員取得過渡性房 貸額度後’欲進行互助式騎競標時之操作，包含建立競標平台、標金分 析、標金選取等工作之功能’、經由管理伺服器運算、處理、分析、交叉比 對、執行後’將資料儲存至資料庫。 結异與交割模組（410):該結算與交割模組具有用以進行會員競標結 果結算、會員償還過渡性房敎割及會員取得—價到底互助式房資交割之 功能，經由管理伺服器運算、處理、分析、交又比對、執行後，將資料儲 15 200905592 存至資料庫。 房貸競標權證模組㈤）：該房資競標權證模組具有執行合。 競標權證轉讓、質借、標售之魏，經由管理伺服器縣之房資 房貸競標權證之交易，並將資料儲存至資料庫。 /執行 本系統另有—資料庫（則用以儲存管理伺服器運算、處理、分 交又比對、執行各模組相應之功能，各模組鮮理伺服器也2資J析、 取得所需資料以運算、處理、分析、交又比對、執行該所屬功能。 以下特舉三例，據以說明本發明之具體施行辦法。 實施例一 某甲為-位工作多年已成家上班族，其已於多年前構屋並措負一項於A 銀仃辦理，目前餘餘額_萬元，還制鮮限U年的銀行房屋贷款。 某甲鑒於未來利率走升且波動加劇’紐制息請及避免房貸利率調升 風險’某甲決定加人本伽之「―價到底互助式房歸款平台」。首先，某 甲透過會員線上巾請程序加人該平台’經平台通過射請資料審核後，某 甲即可辦理過渡性房屋抵押貸款。為獲取該項貸款以糊完成轉贷流程， 某甲須辦理該項f款所需之不動產鑑價、餘審轉轴作業。房屋鐘價 結果顯示，其目前所持有房屋價值675萬元，依據負責平台經營之金融機 構之規範，其房屋貸款授信金額係依據不動產估價金額八成進行核 為，故據此標準平台將賦予某曱一筆額度540萬元轉貸用過渡性房屋抵押 貸款。某甲經評估後同意接受該項額度，隨後平台將與某曱簽訂房貸契約 與設定房屋抵押。由於該項貸款屬於過渡性質，此時某曱亦必須決定參與 16 200905592 平台所提供之資金競標組合，以作為曰後清償過渡性資款之用。 由於540萬之過渡性房屋抵押貸款金額並不足以償還原、_萬元銀行 房貸’某甲可自行籌措60萬元資金以補足差額，抑或透過對負責平台營運 ^金融機構進行申請取得該項資金。若某甲決定對平台提出申請 ，藉由房 L構刀㈣統，平台將另提供某曱⑻萬元之信膽款（該筆貸款得視會 貝甲L用狀況要求另提擔保品，或請求提供連保人，以降低其授信風險）， 配合平台提供某甲之540萬元過渡性資款額度，將足清償某甲於A銀行所 人萬人虽某甲完成原銀行貸款清償後，將可依據先前所選擇資 金競標組合之競標上限及期限條件，參與互助式房贷平台資金競標交易。 由於本互助式房貸平台其運作基礎係基於會員互助精神，其參與之資 金競標組合須仰賴其他會員之參與方可完成組合募集。為加速平台組合形 成速度，客戶僅能就平台所提供之標準組合選項進行選擇。若某甲期望房 資償還年_轉在丨5年水準，歸絲來承受料稱波械險降至最 低’決定參加—項期限15年，每月競標1次，標金上陶3萬元，即規 模為540萬元之競標組合。 由於完成該組合需要180名（即b年每年㈣）會員參盘，除某甲 外平台翻募㈣名會員之加入該項組合。經—段時間，該組合完成合 員募集後，某，可於此互助式料平台參麵標組合之資金競標交易。 根據此平台資金競標組合運作機制，若會員得標，其可以取得的資金， 係以下列公式換算取得： ' 第η期得標款 200905592 公式1 : 公式2 : ^ 办 ~ 似 x (7V ~ n)) + (¢/ X (« -1)) + g Λ *=1 其中 Μ:表示第η期得標封取得的總金額 U:表示單位金額 Ν:表示總期數 η:表示當期平台出價交易之期數 ^示第η㈣價縣，其意編物轉㈣ 會員願意負擔的各期利息。 、收 】，〇〇〇元，高於其他會員所出標 若依據公式1之規則，某甲於首期出價 金得標，則某曱可得： (30,000 元一1，000 元）X (bo—1) + 30,000 元X (1 —1 =5，191，0〇〇 元 根據本發明之設計，經由競標平台所得資金5，191，_元將優先償還 萬兀之過渡性房屋抵押貸款。由於房屋貸款平台資金係透過競標機制決 定，得標標金錄存在*確定性，競標所得資金㈣與縣抵押貸款金額 一致’故清償後不足餘額（此案例為2〇萬9千元）將以既有房屋抵押貸款 形式延續存在’或透過平台安排其參與其他短期小額資金競標組合償還該 筆款項。 18 200905592 在某甲標得5，191，000元並進行部分抵押貸款清償後，在未來組合存續 期間（本案例為179期），某甲必須每月償付平台3萬元。在此參與平台競 標並清償雜抵押貸款過財’細含意射僅代辆賴錄款⑽明 之過渡性功能至此功成身退，㈣、有本息受利树動鱗之房屋抵押 贷款（不論是A銀行之房貸或平台提供之過渡性房屋抵押贷款），經此程序 後將轉換成固定金額償還房屋貸款，即落實「一價到底」房屋贷之精神。 前述實施例’不僅可運用於銀行房屋貸款轉貸之情形，對於新講屋之會員， Γ' 除了無須進行轉貸清償之步驟外，亦可比照平台機觀行該項程序。 實施例二 某乙為-社會新鮮人，學校畢業後新進—家公司上班。為避免自己過 度消費’並思考未來人生賴’某乙決定以強迫彳輯方式為自己累積「成 家」基金，作為未來購屋之用。由於某乙初進社會，本身短期内對於賭屋 亚然急迫性。加以-般銀行提供存款利率偏低，且無法滿足本身以強迫儲 ( 蓄完成未來購屋計晝需求。後縣本㈣之「―價到底互助式房屋贷款平 台」，知其可協助其完成賭屋計晝’遂對負責營運平台之金融機構提出加入 平台之申請。 某乙申請加入「-價到底互助式房屋貸款平台」，並通過平台審核申請 正式成為平台會員。在完成前述登入及資格審核程序後，平台首先將詢問 某乙是否辦理過渡性房屋抵押貸款。由於某乙短期内暫無購屋能力及音 願，故其決定不申請_餘，先儲蓄以累韻屋自備款，待其金額達到 目標後再行購屋。某乙根據自我分析，決定未來購屋將以購買價值5〇〇萬 19 200905592 元房屋為目標，並參考市場_般購屋需自付二成 額達到卿萬撕可著編。經 儲蓄金 乙決定參加平台所提供料期，每月競;供之線上問卷分析，某 組合規模為2萬-% τ a &金上限2萬元（即競標 為47™期=萬元）之資金競標組合。 待平台完成包含某乙共240觀標組合 在組合運作初期，由於某乙尚未擁有轉σ施合正式運作。 將無法參與競標，但供千台抵押，在無信用額度下 士 精由^會貝所出標金，享受較高之存款利率。 ^物間經過，假設至第51期某乙於平台累積之儲_已超過自我設 疋之卿47C自備款需求（由於每期有會員競標，某乙每期投入金額將少 於2萬^其累積儲蓄金額達到1〇〇萬元的時間將晚於第％期），該期後 將開始著手購屋。經過丨個月尋找，某乙於第52期決定購買—棟賣方出價 ;550萬元之房屋。由於某乙並無足夠資金支付該別萬款項，於是對平台申 凊過渡性細_貸款’以支應其_支付需求。假設，經平㈣價結果， 該房屋市場價_有_萬元。依騎述㈣平純營之金雜構之授信 規範，其房屋貸款授信金額係依據擔保品市值八成進行抵押貨款核資，故 據此標準平台舒某乙―筆萬元房屋抵押魏，若仏認為平台不動 產鑑價結果客觀公正’同意接受該項萬貸款。但所取得樣萬元之過 渡性房屋抵押貸款與實際購屋支出55〇萬元仍有7〇萬元之缺口，某乙可自 行籌措資金彌觀缺D，或透過平台料結構分析，搭配—項7G萬元之信 用為#人（得視某乙信用狀況要求其提列擔保品，或請求增提連保人），以支 付該550萬購屋款予房屋賣方。 20 200905592 過渡性抵押房縣本上與―般料娜，仍採浮動方 式。十息法規避利率風險。為求固定金額支付之絲。假設某乙於第54 ’月出^貝1 ’000元，經平台系統檢核為有效標金並予得標，依據前 述公式1，則某乙可得 (20,000 it 1,000 it) X (240-54) 4-20,000 χ,χ (54-1) =4,594,000 元A view of the standard 4 steps. According to the material setting _ secret built-in mutual-loan platform for bidding, ", ~ members in the system of the members of the standard", read the simple (four) fine. Want to compete as a depositor. If you don’t win the bid, the rest of the unsuccessful ones, the “mouth and the father report I] steps. The borrower is sent by the company ^ receiving the remittance to the borrower to carry the key. Save 'two: θ ^ receivables' Then the platform will pay the amount due to the member of the flat-mouthed member, and then the member of the deposit will be the _«Gu Ren platform (4). ^ One-way loan bidding certificate issued and (4) steps. The platform issued the house lion warrant, the member is + The choice is Qian Qianhuai _ transaction, bidding (four) or transfer transaction. The present invention-price mutual aid housing loan system includes a management feeding device, members using the Internet, wired communication devices, wireless communication devices, or regions The network connection management server, the user "face' member and the servo 11 instant secure exchange of information, the member operates the identity review here: applying for a home loan, bidding transaction, and settlement and delivery. The system includes - database It is used to store the data needed for the above operation process, and record the results and update the data. The system further includes the following modules: A conference identity verification module. The management server uses this module to process the applicant input. The person in charge determines whether the applicant is eligible for membership. The information is stored in the database. After the member logs in, the module extracts the information as the basis for control. A real estate clock group. Management 値nzhou this pool Handling the basic bedding of the real estate of the miscellaneous people and the results of the professional's appraisal. These information are stored in the database, and the transitional housing review module or the housing structure module can extract the information as the basis for calculation. Mortgage review group. It is difficult to calculate the amount of real estate that can be mortgaged, and deposit this information into the database. One mortgage structure module. Manage the ship using this module to calculate the membership room# The composition of this, σ structure is the proportion of mortgage loans, credit loans, self-prepared funds, and this information is stored in the database., a mortgage loan pool. Management of the ship to the group of materials The standard and the winner are judged and the information is stored in the database. The difference and delivery module 'management server' uses this module to settle and pay the winning and unsuccessful members respectively. And "Repository database. " One-room loan Jing Na Lai group, f_ service department transfer to the sister's title certificate issued by the father, and the data is stored in the database. [Embodiment] The following special implementation DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENT(BRIEF DESCRIPTION OF THE PREFERRED EMBODIMENT(S) </ RTI> </ RTI> <RTIgt; </ RTI> <RTIgt; </ RTI> <RTIgt; </ RTI> <RTIgt; Platform (10)), ς = with butterfly, Naru (four) miso paste (four) noodles: package 11 200905592. Will be online. "Please apply for financial county purchase f (10)), if there is no loan demand, please Yu, the face becomes the result of the new standard, and the deposit member (10)) 'the demand for the loan can be entered into the platform (10)). The deposit will be in the future. Work to make a loan. After the platform completes the gift industry, the platform money mortgage, structure Chi will carry out the member housing loan, the second child housing I, 剌f and _ models and other operations _ analysis (10)), wealth members tailor-made a set d, And D t贞 borrowed the right to enter the people - the basic mutual aid county loan bidding Yi Yi (1G6) to bid, M can be bidding in all phases of the ship until the bid, the standard can be obtained without the standard In the case of Tatsusaki's post "t «(10)), members can rely on this right: the right-to-day money-issuing certificate (4); the winning bid can be awarded the standard gold surface to repay the transitional mortgage,). The gold side becomes the new surplus of the aged, and the amount of repayment of the money a is _, and the price is (10), so that the members can get rid of the floating and risk assessment, and obtain guarantee for future repayment. The flow chart of the implementation method of the θ system, the monthly, and the mutual aid home loan, is shown in Figure 2. Customers should participate in the price-to-internal mutual-employment home loan platform (10), and the 1,000-unit will conduct the basic dragon review (10) of the applicant. If the review fails, the applicant cannot enter the platform_, if the member chooses, the member chooses whether to handle the transition. Sexual home mortgage (excellent) 'If member · Shun' is provided for dishonest bribery... Cheng Weaving module (4〇6) Admission price (10)) 'age _ miscellaneous (10)) The root _ job results calculate the member The transitional mortgage quota, the platform is given to the member according to the quota, and the member is based on the quota (10). After the _(10), the mortgage is set up and can be coordinated by the platform or coordinated by both parties. Decide on the inspection and amount of the association. (212) After the contract is determined, the platform will transfer the transitional mortgage (213), which directly remits the seller of the real property from the platform, or the original of the loan. Loan institution. And the member enters the price-to-friendship loan platform (214). As mentioned above, if a member chooses not to apply for a mortgage (204), what is the duration of the membership provided by the platform? Checking Caps - Participating in (10)), the member of the membership becomes a member of the T-sports (10) who generates housing purchases (birds), and then asks for transitional mortgages (207) to the platform towel and enters the real estate appraisal (10). Procedures to complete the contract and set the mortgage, the deposit member becomes a member with the bidding rights. As shown in the figure, the member chooses whether to accept the mortgage credit (6). If not, the member chooses ^No to exit the platform (211) 'Pure out _ open this cap (10)), if not _ then become the deposit accepting the bid result rate Meeting M (10)), members and one of the various combinations of terms and amounts provided by the platform. Figure 3 is a flow chart of the actual and financial type of the bidding for the price-partition mutual assistance type silk loan, please refer to Figure 3. Members who hold money (that is, members who sign the contract and set the mortgage) enter the mortgage bidding combination (10)), and the amount of the contact person is full (the number of combinations required is the number of combined periods, such as: one-year period of ten years) Combination, there are 2 (four), that is, (10) members are required, and the combination is to enter the operation (302). Each member can choose whether to bid in each period, and if it does not bid, it becomes a deposit member. If it decides to participate in the bidding, Members can enter the standard (10) in the platform interface before the opening of each period, and the system will check the validity of the round of the person's standard gold. (If the input standard is within the default input range of the system, and No other input errors, the system accepts 13 200905592 the bidding standard, the member can bid on the bidding point at the time of the opening of the bid (10)); if the input of the standard is invalid, the system will ask the member whether to re-enter (10)), Ding chooses to re-enter _ to the interface of the input of the gold (3G3), if not _ lose the identity of the non-bidding member to continue to become a deposit member (3) 〇). The system opening point (10)) is the price of all input gold (3 (7), and the highest standard in all valid gold is the winning standard (1) (308) 'If the member's standard is the highest standard, the The member will be biddered as a borrowing member (10), and the platform will calculate the winning standard to repay the transitional housing estate, and then obtain the home loan at the end of the price; if it is not the highest standard, the interest earned from the bid will become a deposit member (3)〇 ) pending the next bid. The platform will issue a mortgage bidding warrant for the member's deposit (3)n, the member can choose whether to conduct the warrant transaction (3) 2), ^ select the transaction, can carry out the warrant (313), if not choose the transaction, continue to hold the mortgage bid warrant And maintain the identity of the deposit membership (3) Figure 4 is a system diagram of the invention of a one-price mutual aid housing loan, please refer to Figure 4. The system (402) has a management server (4〇4) that communicates through the Internet, wired communication devices, scales, or regional networks and through the user interface ( He) links with members (401). At the same time, the management server also provides a network connection for members to connect with devices such as computers, mobile phones, and PDAs. The management (4) can use the Lai Lu, wired communication devices, and wireless communication devices to perform real-time secure exchange of information with members, and link to the database (412) and the nuclear groups to store secrets, messages, and results. Database. The system of the mutual-assisted home loan further includes the following modules: Membership Identification Module (405): The membership verification module has the basic food materials for reviewing the application, and whether or not to accept the towel, After the analysis and execution of the test, the data is stored in the database. Real Estate Price Module (406). The real estate forging module has the function of identifying, discriminating, analyzing and determining the value of the target real property when the member applies for the real estate mortgage application, and manages, processes and analyzes through the management servo. , mosquitoes _, after execution, save the data to the database. Transitional Mortgage Review Module (407): The transitional mortgage review module has the function of reviewing the membership review and replenishment of the sub-group (4), and calculating the amount of the mortgage granted to the underlying real estate. After the operation, processing, analysis, cross comparison, and execution are performed by the management server, the data is stored in the database. Mortgage Structure Module (408): The Mortgage Structure Module is used to help members analyze the real estate appraisal results and transition (10) sidelines, and introduces the _ Chengzhi transitional room insufficiency into other W 'such as - fetal room> , jg use loans, etc. and enable members to make appropriate decisions based on the closing of the first period and the total amount of borrowings. After the management server calculates, processes, analyzes, cross-matches, and executes, the data is stored to database. Mortgage bidding module (409): The mortgage bidding module has the function of “joining the bidding platform for the member to obtain the transitional mortgage loan quota”, including the establishment of bidding platform, standard analysis, and selection of the standard. ', through the management server operations, processing, analysis, cross-comparison, after execution' to store data to the database. Differentiation and delivery module (410): The settlement and delivery module has the function of performing member bidding result settlement, member repayment of transitional room cutting, and member acquisition-price mutual assistance type delivery, via management server After the operation, processing, analysis, and comparison, and execution, the data storage 15 200905592 is saved to the database. Mortgage bidding warrants module (5)): The bidding warrants module of the housing has an execution combination. Wei, which transfers, licenses, and sells the bidding warrants, manages the transactions of the securities mortgages in the server county, and stores the data in the database. / Execution of this system - database (used to store management server operations, processing, distribution and comparison, the implementation of the corresponding functions of each module, each module fresh server also 2 J analysis, acquisition The data is required to be calculated, processed, analyzed, handed over, compared, and executed. The following three specific examples are used to illustrate the specific implementation of the present invention. Embodiment 1 has been a working office for many years. It has been built many years ago and has been handled by A Yinyu. The current balance is _10,000 yuan, and it is also a bank loan for U-years. A certain amount of interest is rising due to rising interest rates in the future. Please and avoid the risk of raising interest rates on mortgages. A certain decision will be added to the "-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- After the audit, a certain A can handle the transitional mortgage loan. In order to obtain the loan and complete the loan transfer process, a certain A must apply for the real estate appraisal and reconsideration of the f. The results show that its current The value of the house is 6.75 million yuan. According to the norms of financial institutions responsible for the operation of the platform, the amount of credit for home loans is based on 80% of the real estate valuation. Therefore, according to this standard platform, a certain amount of 5.4 million yuan will be transferred to the loan. Sexual home mortgage loan. A certain company agrees to accept the quota after the assessment, and then the platform will sign a mortgage contract with a certain mortgage and set up a mortgage. Since the loan is of a transitional nature, a certain company must also decide to participate in the 16 200905592 platform. The fund bidding combination provided is used as a post-payment for the transitional funds. Since the amount of the transitional mortgage loan of 5.4 million is not enough to be repaid, _10,000 bank mortgages can be raised by a certain amount of 600,000 yuan. Make up the difference, or obtain the funds through the application of the financial institution responsible for the platform operation. If a certain A decides to apply for the platform, the platform will provide another (8) million yuan of trust. (The loan will be subject to the request for additional collateral, or request to provide a company to reduce the credit risk) Cooperate with the platform to provide a transitional amount of 5.4 million yuan for a certain amount, which will be enough to pay off a certain number of people in Bank A. Although the completion of the original bank loan will be based on the bid limit of the previously selected fund bidding combination and The term conditions, participation in the mutual aid mortgage platform fund bidding transaction. Since the operation basis of this mutual aid mortgage platform is based on the spirit of mutual assistance of members, the participating bidding portfolio must rely on the participation of other members to complete the portfolio recruitment. Speed, customers can only choose the standard combination options provided by the platform. If a certain expectation of housing repayment is _ turn to 丨5 years, the source will bear the claim that the wave risk is reduced to the lowest 'decision to participate--term 15 years, bidding once a month, the standard gold pottery 30,000 yuan, that is, the scale of 5.4 million yuan bidding combination. Since the completion of the combination requires 180 (ie b years (four)) member participation, in addition to a certain platform Re-raise (four) members to join the combination. After a period of time, after the combination is completed, the fund may be auctioned for the funds in the mutual aid platform. According to the operating mechanism of the fund bidding combination of this platform, if the member wins the bid, the funds that can be obtained by the member are obtained by the following formula: ' The n-th period is awarded 200905592 Formula 1: Formula 2: ^ Do ~ Like x (7V ~ n )) + (¢/ X (« -1)) + g Λ *=1 where Μ: indicates the total amount of the n-th seal obtained by U: indicates the unit amount Ν: indicates the total number of periods η: indicates the current platform The number of bidding transactions ^ indicates the η (four) price county, which is intended to be edited (4) the interest of each period that the member is willing to bear. If you receive a bid from other members, according to the rules of Formula 1, if a certain bid is awarded in the first period, then a certain amount is available: (30,000 yuan to 1,000 yuan) X ( Bo-1) + 30,000 yuan X (1 -1 = 5,191,0 unit According to the design of the present invention, the funds obtained through the bidding platform of 5,191,_ yuan will give priority to the transitional mortgage of Wanli. Since the funds of the housing loan platform are determined through the bidding mechanism, the bidding standard has a certainty, and the funds obtained from the bidding (4) are consistent with the county mortgage loan amount, so the insufficient balance after the settlement (in this case, 2 million and 9 thousand yuan) will be The existing mortgage loan form continues to exist or through the platform to participate in other short-term micro-capital bidding portfolio to repay the amount. 18 200905592 After a certain amount of 5,191,000 yuan and a partial mortgage loan settlement, in the future combination During the period of existence (this case is 179), a certain company must repay the platform for 30,000 yuan per month. Participating in the platform bidding and clearing the miscellaneous mortgage loan over the fiscal year, the fine-term meaning is only the transitional function of the vehicle (10). Become a body Retirement, (4), a mortgage loan with a principal and interest rate (whether it is a mortgage of Bank A or a transitional mortgage provided by the platform), after which it will be converted into a fixed amount to repay the mortgage, The price of the mortgage is the spirit of the home loan. The foregoing embodiment can not only be applied to the bank loan repayment, but for the members of the new lecture house, Γ', in addition to the step of not requiring the transfer of the loan, it can also be compared with the platform. The second part of the program is a new social worker. After the school graduates, the new company will go to work. In order to avoid excessive consumption, and think about the future life, a certain B decides to accumulate “home” for himself. The fund is used for future housing purchases. As a certain B first enters the society, it is in a short-term urgency for the gambling house. The bank-provided deposit rate is low, and it is unable to meet its own forced storage (storage for future purchases) Demand. Houxian County (4) "-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- The organization proposes to join the platform. A B application to join the "--price mutual-assisted home loan platform" and formally become a platform member through the platform review application. After completing the above-mentioned login and qualification review procedures, the platform will first ask whether a B is processed. Transitional home mortgage loan. Since a B has no ability to buy a house and a voice in the short term, it decides not to apply for _ remaining, first saves the money to pay for the house, and waits for the amount to reach the target before purchasing the house. Self-analysis, it is decided that the future purchase will be based on the purchase of 50,000 yuan 200905592 yuan housing, and reference to the market _ ordinary house purchases need to pay two to reach the level of Qing Wan tears can be edited. Material period, monthly competition; for online questionnaire analysis, a combination size of 20,000-% τ a & gold upper limit of 20,000 yuan (that is, bidding for 47TM period = 10,000 yuan) of the fund bidding combination. When the platform is completed, it includes a certain total of 240 observations. In the initial stage of the combined operation, since a certain B has not yet had the sigma, it is officially operated. Will not be able to participate in the bidding, but for thousands of mortgages, in the absence of a credit line, the fines will be issued by the club, and enjoy a higher deposit rate. ^The passage of things, assuming that the accumulation of a certain platform on the platform in the 51st period has exceeded the self-sufficient content of the 47C self-prepared funds (since each member has a bid, the amount of each B will be less than 2 million per period ^ The accumulated savings amount of RMB 10 million will be later than the first period), after which the purchase will begin. After a few months of searching, a certain B decided in the 52nd period to buy a house seller's bid; a house of 5.5 million yuan. Since a certain B did not have sufficient funds to pay for the other amount, he applied to the platform for a transitional _ loan to support his payment needs. Assume that, according to the results of the flat (four) price, the market price of the house is _10,000 yuan. According to the credit specification of Pingqiu (4) Pingchunying, the credit amount of the housing loan is based on the market value of the collateral 80% for the mortgage payment. Therefore, according to the standard platform, Shumouyi-pen 10,000 yuan mortgages Wei, Ruowei believes The results of the platform real estate appraisal are objective and fair 'agree to accept the 10,000 loan. However, the transitional mortgage loan of RMB 10,000 and the actual purchase of housing expenses of RMB 550,000 still have a gap of RMB 70 million. A B can raise funds by itself and lack D, or analyze the structure of the platform material. The credit of 7G yuan is #人(it is required to provide a collateral for a certain credit status, or request to add a guarantor) to pay the 5.5 million purchase of the house to the seller. 20 200905592 The transitional mortgage housing county and the “General” are still adopting floating methods. Ten interest laws avoid interest rate risks. In order to obtain a fixed amount of money. Suppose that a certain B is in the 54th month of the ^1 000 yuan, and the platform system checks it as a valid standard and obtains the bid. According to the above formula 1, a certain B can get (20,000 it 1,000 it) X (240- 54) 4-20,000 χ, χ (54-1) = 4,594,000
某乙取付錢項後，與實齡卜情況類似，該較金將優先清償額度 為萬元之過渡性房屋抵押貸款。在平台組合競標機制下，由於得標標 金夕寡存在不確定性，競標所得資錄與絲抵押餘金額__致，故清償 後資金差額（此_為2〇萬6千元），紅除可自我籌射金償還，亦可 乂既有房餘押錄喊繼續存在或透過平台安排其參與其他資金競標组 合償還該筆款項。相同地’在完成部分抵押餘清微，在未來組合存續 期間，某乙必須每月支付平台2萬元，即可獲得「―制底」房屋贷款之 效益。 前述兩實_所提，為避免發生平台端撥微抵押魏不足支付 構屋款（或清償縣行貸款），《平台競標所得資金不足償還平台房屋抵 押貸款，以致須自行籌措資金或引進信用貸款彌補該資金細等情形，實 ^上亦可藉由參加較長期限或較錢標上限之資金競標組合，以獲得^ 競標所得資金，以避免發生資会缺 η ά 、、之情形。假若該競標所得金額超過房 貸客戶所需，亦可引導其投資其他理財商品。 21 200905592 實施例. 某丙為—家公种級主管，本身已擁有—楝已清償貸款之自有房屋。 由於現有賴_峨冑爾，歧叫询嶋資金。铖 其評估其現自有房竭市價約_萬元，加上其自有存⑽萬元，^ 需要700萬元以達成換購市值丨萬元房屋之目的。經平台行銷人員八 析^定加入一期限刻期、競標上限3萬元的互助式房貸組合。 至第33期，⑼實際存人資金已達_G元。但鱗料㈣接獲公司 =須派任國外’為此必紐棄雜屋計晝。由於平台對於各組合軸未 仔標會員皆會發與競標權證（可為實體或非實體形式），以表彰其參與未來 資金競標之糊，並供其進行各補讓、質借之用。此日編將可藉由平 台所提供之《權證交易_，騎射競標權證進行轉讓交易。此時， 某丁藉由平台權證交易出價92萬猶人該競標權證1某丙而言，出⑽ 證不僅可f現7萬元利息收益（33期a編$萬元），並且可糊退出交 易組合。而某丁則藉由取得該權證，將直接參與一項2〇7期每期3萬元資 金競標組合，以賺取未來利息收益並因應日後購屋資金需求。 〃前述三實施例並未考量平台手續費，由於本互助式房資平台設立目的 係為提供會員間直接接_機會，與—般銀行房財異，故負責平△減 之金融機構可對平台客戶錄销t金融機構提供W服^ 報酬。如前所述’平台提供之絲抵押貸款本f上係過渡機制，平台存在 之核心價值仍在於提供資錢價機會，服務手續賴為其主要收益來源。 故此機制’將可促使金融機構由金融服射介者轉換成金融服務提供者角 22 200905592 色，落實直接金融之精神。 上述實施例僅係為便利說明，本發明所主張之權力範圍仍以申請專利 範圍為準，並不受上述實施例限制。 23 200905592 【圖式簡單說明】 圖一係一本發明一價到底互助式房屋貸款之流程圖； 圖二係一本發明一價到底互助式房屋貸款先期作業之實施方式流程 圖三係一本發明一價到底互助式房屋貸款競標之實施方式流程圖； 圖四係一本發明一價到底互助式房屋貸款之系統圖。 【主要元件符號說明】 會員 401 一價到底互助式房屋貸款系統 402 使用者介面 403 管理伺服器 404 會員身份審核模組 405 不動產鑑價模組 406 過渡性房貸審核模組 407 房贷結構模組 408 房貸競標模組 409 結算與交割模組 410 房貸競標權證模組 411 資料庫 412 24After a certain B pays the money, similar to the actual age, the gold will give priority to the transitional mortgage loan with a quota of 10,000 yuan. Under the platform combination bidding mechanism, due to the uncertainty of the bidding standard, the bidding income and the amount of the mortgage amount are __, so the difference between the funds after the settlement (this _ is 26,000 yuan), red In addition to the self-funding repayment, the existing stipends can be re-existed or the platform can be arranged to repay the funds through other platforms. In the same place, in the completion of partial mortgages, in the future, a certain B must pay a monthly payment of 20,000 yuan to obtain the benefits of a “bottom-based” home loan. In order to avoid the occurrence of the platform-side micro-mortgage, the insufficient funds to pay for the construction of the housing (or the settlement of the county-level loans), the platform bidding funds are insufficient to repay the platform mortgage, so that they must raise funds or introduce credit loans. To make up for the details of the funds, you can also obtain the funds from the bidding by participating in the bidding combination of the longer term or the upper limit of the money limit to avoid the situation where the capital account is lacking. If the amount of the bid exceeds the needs of the mortgage customers, they can also be guided to invest in other wealth management products. 21 200905592 Example. A C--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- Due to the existing Lai, the company called for funds.铖 It evaluates that its current house price is about 10,000 yuan, plus its own deposit (10) yuan, ^ need 7 million yuan to achieve the purpose of redeeming the market value of 10,000 yuan. After the platform marketing personnel analyzed, they will join the mutual aid mortgage loan portfolio with a deadline of 10,000 yuan. By the 33rd period, (9) the actual deposit funds have reached _G yuan. However, the squama (4) received the company = must be sent abroad. As the platform will not issue bidding warrants (both physical or non-physical) for each combination axis, in recognition of its participation in future bidding for funds, and for its various replenishment and quality borrowing. This day's compilation will be able to transfer transactions through the Warrants Trading _, riding the auction warrants provided by the platform. At this point, a certain Ding by platform warrants trading bids of 920,000 U.S. bidding warrants 1 a C, the (10) certificate can not only present 70,000 yuan interest income (33 period a edited $ 10,000), and can be quit Trading portfolio. By obtaining the warrant, a certain Ding will directly participate in a 2 〇 7-period 30,000 yuan bidding combination to earn future interest income and respond to future fund purchases. 〃The above three embodiments do not consider the platform fee. Since the purpose of this mutual aid-type housing platform is to provide direct access to the members, it is different from the general bank, so the financial institution responsible for the flat △ reduction can be on the platform. The client sells t financial institutions to provide W services. As mentioned above, the platform provides a transitional mechanism for the mortgage loan. The core value of the platform still lies in providing the opportunity for capital price, and the service procedure depends on its main source of income. Therefore, this mechanism will enable financial institutions to be transformed from financial services agents into financial service providers, implementing the spirit of direct finance. The above-mentioned embodiments are only for convenience of description, and the scope of the claimed invention is still limited by the scope of the patent application, and is not limited by the above embodiments. 23 200905592 [Simple description of the diagram] Figure 1 is a flow chart of the invention of a one-price mutual-assisted home loan; Figure 2 is a flow chart of the implementation of the first-phase mutual-assisted housing loan in the first phase of the invention. A flow chart of the implementation of the bidding for the mutual-price housing loan in the first price; Figure 4 is a system diagram of the invention of the one-price mutual-assisted housing loan. [Main component symbol description] Member 401 One-price mutual-assisted home loan system 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 Mortgage bidding warrant module 411 Database 412 24