TWI777850B - Loan trial calculation system combined with real estate matching - Google Patents

Abstract

A loan trial calculation system combined with real estate matching is provided. The loan trial calculation system combined with real estate matching includes a signal transceiver, a first server, a second server, and a third server. The first server includes a seller information acquisition module for a seller inputting multiple seller information. The second server includes a buyer information acquisition module for a buyer inputting multiple buyer information, and a credit evaluation module receives the multiple buyer information and signal connects the joint credit information system. The third server is coupled to the signal transceiver, the first server and the second server, and the third server includes a real estate matching module and a loan trial calculation module. The real estate matching module determines whether the predetermined purchase price is a valid bid based on the credit evaluation result, and whether the seller signed and the buyer co-signed the letter of intent for the transaction and submitted the loan application request. The loan trial calculation module generates loan approval information and outputs it to the buyer.

Description

Loan trial calculation system combined with real estate matching

The present invention relates to a loan trial calculation system, and more particularly, to a loan trial calculation system combined with real estate matching.

At present, most of the common real estate transactions are through real estate agents to match buyers and sellers, and after the buyers and sellers successfully reach a transaction, the real estate agency can also charge the buyer and seller a commission at a predetermined percentage according to the transaction price; however, some Based on the information asymmetry between buyers and sellers, real estate agents try to persuade buyers and sellers to adjust the buying and selling prices, and even the so-called agreed transaction price is inconsistent with the actual transaction price, in order to maximize the amount of commissions charged to buyers and sellers.

In addition, the amount involved in real estate transactions is usually large, so the buyer often needs to apply for a loan from the bank. Although the bank must consider the risk of bad debts in advance, the amount of the loan and the interest rate of the loan will affect the buyer. The willingness to accept the result of the verification loan, so it is inevitable that after the real estate transaction is established, because the buyer cannot obtain enough bank loans, or the repayment conditions of the verification loan result are too strict, the buyer can only choose to cancel the real estate transaction. Both parties and the intermediary are really troubled.

In order to lighten the commission burden of the buyer and seller, avoid the disadvantage of arbitrage by the real estate agent because of knowing the buyer and seller's bid, and to ensure that once the real estate transaction is established, the buyer can obtain the loan result with sufficient amount and reasonable repayment conditions. Therefore, it is necessary to propose improved technical means to solve the above problems.

The invention provides a loan trial calculation system combined with real estate matching, which can reduce the burden of commissions on both buyers and sellers, avoid illegal arbitrage by housing agents, and ensure that buyers can obtain loans with reasonable conditions.

The loan trial calculation system combined with real estate matching of the present invention includes a signal transceiver, a first server, a second server and a third server. The first server includes a seller information acquisition module for a seller user to input a plurality of seller information, the plurality of seller information includes a seller's personal information table and a real estate consignment sales contract, and the real estate consignment sales contract includes the real estate for sale and the pre-ordered real estate. selling price. The second server includes a buyer information acquisition module for a buyer user to input a plurality of buyer information, and a credit evaluation module suitable for receiving a plurality of buyer information and for signal connection to the joint credit reporting system. The various buyer information includes the buyer's personal information form, joint credit approval form, loan application conditions, proposed real estate purchase, and predetermined purchase price. The credit evaluation module obtains the joint record corresponding to the buyer user, and generates a credit evaluation result corresponding to the buyer user according to a plurality of buyer information and the joint record. The third server is coupled to the signal transceiver, the first server and the second server, and the third server includes a real estate matching module and a loan trial calculation module. The real estate matching module judges whether the predetermined purchase price of the real estate to be purchased in multiple buyer information is a valid bid according to the credit evaluation result, and transmits the valid bid to the seller user, and the seller user can decide whether to sign a letter of intent to accept the valid bid. And send the letter of intent to the transaction to the buyer user, and the buyer user can decide whether to sign the letter of intent to complete the transaction and make a loan application request. The loan trial calculation module generates loan approval information according to multiple seller information, multiple buyer information, credit evaluation results, letter of intent and loan application request, and outputs the loan approval information to the buyer user through the signal transceiver.

In an embodiment of the present invention, the above-mentioned first server further includes a real estate appraisal module, which is suitable for receiving a plurality of seller information and suitable for connecting to the net price registration system to obtain historical transactions corresponding to the real estate for sale. Records and multiple homogeneous real estate transaction records similar to the real estate for sale, and generate real estate valuation results corresponding to the real estate for sale based on multiple seller information, historical transaction records, and multiple homogeneous real estate transaction records.

In an embodiment of the present invention, the above-mentioned loan trial calculation module further generates loan approval information according to the real estate appraisal result.

In an embodiment of the present invention, the above-mentioned third server further includes a matching auxiliary module, which is suitable for receiving real estate listing instructions for sale and advertisement enhancement instructions from seller users, and home inspection instructions and house inspection instructions from buyer users. , and is suitable for providing seller users or buyer users with a list of recommended high-quality landmen and a recommended list of high-quality surrogates.

In an embodiment of the present invention, the above-mentioned publication fee and advertisement fee generated corresponding to the publication instruction of the real estate for sale and the advertisement enhancement instruction are automatically debited from the seller's preset accounts of multiple seller information. The inspection fee is automatically deducted from the buyer's default account with multiple buyer information, and the inspection fee corresponding to the house inspection instruction is paid equally by the seller user and the buyer user, and is automatically debited from the buyer's default account and the seller's default account.

In an embodiment of the present invention, after the buyer user accepts the loan information, the matching assistant module returns the publication fee to the seller's default account, and returns the viewing fee to the buyer's default account.

In an embodiment of the present invention, the above-mentioned real estate consignment sales contract at least further includes land indication, land owner, land mortgage information, land area, building indication, building owner, building mortgage information, public facility area, main building Area, area of ancillary buildings, building age, building floor, building condition, building pattern, cover pattern, building orientation, door orientation, floor-to-ceiling window orientation, number of elevator seats, barrier-free facilities, parking space type, parking space area, information on nearby facilities, Proof of ownership, multiple real estate audio and video messages, scope of entrustment rights, entrustment period, payment method, and multiple authorization matters.

In an embodiment of the present invention, the above loan application conditions at least include expected loan amount, expected loan period, expected loan interest rate, maximum monthly repayment amount, work information and financial proof.

In an embodiment of the present invention, the above-mentioned work information at least includes work status, employer, job title, years of service, regular salary, and annual income, and the financial proof at least includes a copy of the withholding voucher, a copy of the salary transfer book, continuous Three-month bank statement, income statement, time deposit certificate, copy of real estate title, multiple tax receipts, and multiple investment certificates.

In an embodiment of the present invention, the predetermined selling price is a first price range formed by a desired upper limit and a desired lower limit, and the predetermined purchase price is a second price range formed by a budget upper limit and a budget lower limit.

In an embodiment of the present invention, the above-mentioned seller user can adjust the desired upper limit and the desired lower limit to change the first price range, and the buyer user can adjust the budget upper limit and the budget lower limit to change the second price range.

In an embodiment of the present invention, the above-mentioned real estate matching module randomly displays the reference selling price in the first price range to the buyer user according to the first price range, and randomly displays the reference selling price in the second price range to the seller user according to the second price range The reference bid price for the price range.

In an embodiment of the present invention, the above-mentioned real estate matching module determines whether the valid bid is within the first price range, and when the valid bid is lower than the expected lower limit of the first price range, the real estate matching module sends a price reduction suggestion to Selling users and sending price increase proposals to buying users.

In an embodiment of the present invention, the above-mentioned real estate matching module determines whether there is a negotiation agreement range in the first price range and the second price range, and when there is no negotiation agreement range in the first price range and the second price range, the real estate The matching module transmits price reduction proposals to seller users and price increase proposals to buyer users.

In an embodiment of the present invention, when the real estate matching module determines that the real estate for sale has obtained multiple valid bids at the same time, the real estate matching module transmits the highest bid among the multiple valid bids to the seller user, and raises the price Recommendations are routed to multiple buyer users corresponding to multiple non-highest bids in multiple valid bids.

In an embodiment of the present invention, the above-mentioned real estate matching module calculates the subscription transaction deposit according to the first custom percentage of valid bids after the seller user signs the letter of intent to make a deal, and the deposit is automatically calculated by the buyer's default account of multiple buyer information. Allocate the subscription transaction margin to the trust escrow account.

In an embodiment of the present invention, the above-mentioned real estate matching module calculates the subscription transaction deposit according to the second custom percentage of the valid bid after the buyer user signs the letter of intent to make a deal, and presets the account of the sellers with multiple seller information Automatically withdraw the deposit for subscription and sale transactions to the trust escrow account.

In an embodiment of the present invention, the plurality of seller information described above further includes a first insurance premium reduction or exemption condition and a first security deposit refund condition, and the plurality of buyer information further includes a second insurance premium reduction or exemption condition and a second security deposit refund condition. According to the first insurance money reduction and exemption conditions, the first security deposit refund conditions, the second insurance money reduction and exemption conditions, and the second security deposit refund conditions, the trust custody account will automatically return the subscription transaction deposit and the subscription transaction deposit to the buyer's deposit. Set up account and seller default account.

In an embodiment of the present invention, the above-mentioned seller information acquisition module instructs the seller user to execute the seller identity verification procedure at any one of a plurality of interactive information service stations and a plurality of bank branches, and after the seller identity verification procedure is completed, the The seller verification status of the multiple seller information is marked as verified, and the buyer information acquisition module instructs the buyer user to go to any one of the multiple interactive information service stations and multiple bank branches to perform the buyer identity verification process, and the buyer identity verification process is completed. , mark the buyer verification status of multiple buyer listings as verified.

In an embodiment of the present invention, the above-mentioned seller information acquisition module is adapted to be connected to the household registration database, the land administration database, the police database, the fire protection database and the construction data of the government agency data system according to the seller user authorization signal A database is used to verify multiple seller information, and the buyer information acquisition module is suitable for connecting to the household registration database, land information database and police database of the government agency data system according to the buyer user authorization signal to verify multiple buyer information.

Based on the above, in order to reduce the commission burden and avoid illegal arbitrage by the real estate agency, or to ensure that once the real estate transaction is established, the buyer will not terminate the contract due to the inability to obtain a loan, they can use the combination of the real estate intermediary method of the present invention. Loan trial calculation system. The present invention not only provides the seller to advertise the real estate to be sold, but also preliminarily estimates the loan capacity of the buyer before the actual bid, and then the system automatically recommends both parties to adjust the price according to the price of the buyer and seller, so as to facilitate the conclusion of the transaction. In addition, because the buyer has made a preliminary estimate of its loan capacity before the actual bid, it can ensure that once the real estate transaction is established, the buyer can obtain a loan result with sufficient amount and reasonable repayment conditions.

FIG. 1 is a schematic diagram illustrating a loan trial calculation system combined with real estate matching according to an embodiment of the present invention. FIG. 2A is a schematic diagram illustrating the connection between the first server and a plurality of external systems according to an embodiment of the present invention. FIG. 2B is a schematic diagram illustrating the connection between the second server and a plurality of external systems according to an embodiment of the present invention.

Please refer to FIG. 1 and FIGS. 2A to 2B at the same time. In this embodiment, the loan trial calculation system 100 combined with real estate matching includes a signal transceiver 110 , a first server 120 , a second server 130 and a third server 140 .

The signal transceiver 110 transmits and receives signals in a wireless or wired manner. The signal transceiver 110 may also perform operations such as low noise amplification, impedance matching, frequency mixing, up or down frequency conversion, filtering, amplification, and the like.

In this embodiment, the first server 120 includes a seller information acquisition module 121 for a seller user to input a plurality of seller information, and a real estate appraisal module capable of receiving a plurality of seller information and able to signally connect to the actual price registration system 150 Group 122. The plurality of seller information includes a seller's personal information sheet and a real estate consignment sales contract, wherein the real estate consignment sales contract includes the real estate to be sold and the intended sale price. The signal of the real estate appraisal module 122 is connected to the actual price registration system 150 to obtain the historical transaction records corresponding to the real estate for sale and the transaction records of a plurality of homogeneous real estates similar to the real estate for sale. Homogeneous real estate transaction records, resulting in real estate valuation results corresponding to the real estate for sale.

In this embodiment, the second server 130 includes a buyer information acquisition module 131 for a buyer user to input a plurality of buyer information, and a credit evaluation capable of receiving a plurality of buyer information and capable of signal connection to the joint credit reporting system 160 Module 132. The various buyer information includes the buyer's personal information form, joint credit approval form, loan application conditions, proposed real estate purchase, and predetermined purchase price. The credit evaluation module 132 is connected to the joint credit reporting system 160 to obtain the joint record corresponding to the buyer user, and generates a credit evaluation result corresponding to the buyer user according to a plurality of buyer information and the joint record.

In this embodiment, the third server 140 is coupled to the signal transceiver 110 , the first server 120 and the second server 130 . The third server 140 includes a real estate matching module 141 , a matching auxiliary module 142 and a loan trial calculation module 143 . The real estate matching module 141 determines whether the predetermined purchase price for the real estate to be purchased in the multiple buyer information is a valid bid according to the credit evaluation result, and transmits the valid bid to the seller user, and the seller user can decide whether to sign a letter of intent to accept the valid bid. , and transmit the letter of intent to the transaction to the buyer user, who can decide whether to sign the letter of intent to complete the transaction and request a loan application. The matching assistant module 142 can receive the real estate listing instructions for sale and the advertising enhancement instructions from the seller user, the house viewing appointment instruction and the house inspection instruction from the buyer user, and can provide the seller user or buyer user with a list of high-quality landsmen recommendation and high-quality proxy documents. Recommended list. The loan trial calculation module 143 generates loan approval information according to a plurality of seller information, a plurality of buyer information, credit evaluation results, a letter of intent and a loan application request, and outputs the loan approval information to the buyer user through the signal transceiver 110 .

In this embodiment, the matching assistant module 142 identifies the publication fee and the advertisement fee corresponding to the real estate for sale publication instruction and the advertisement enhancement instruction, and automatically deducts the payment from the seller's default accounts of the plurality of sellers. In addition, the matching assistant module 142 can still identify the viewing fee generated corresponding to the house viewing reservation instruction, and the payment is automatically debited from the default account of the buyer with multiple buyer information. Furthermore, the matching assistant module 142 can further identify the inspection fee corresponding to the house inspection instruction, and is preset to be paid equally by the seller user and the buyer user, and automatically debited from the buyer's default account and the seller's default account. .

In another embodiment of the present invention, after the matching assistant module 142 recognizes that the buyer user accepts the credit information, the publication fee is automatically returned to the seller's default account, and the viewing fee is returned to the buyer's default account.

In another embodiment of the present invention, the loan trial calculation module 143 generates loan approval information according to the real estate appraisal results in addition to the multiple seller information, multiple buyer information, credit evaluation results, letter of intent and loan application request.

In this embodiment, the real estate consignment sales contract not only includes the aforementioned real estate for sale and the predetermined selling price, but also at least includes land indication, land owner, land mortgage information, land area, building label, building owner, building mortgage Information, area of public facilities, area of main building, area of auxiliary buildings, building age, building floor, building condition, building pattern, stamping pattern, building orientation, door orientation, floor-to-ceiling window orientation, number of elevator seats, barrier-free facilities, parking space type , parking space area, information on adjacent facilities, ownership certificates, multiple real estate audio and video messages, scope of entrustment rights, entrustment period, payment method, and multiple authorization matters.

In this embodiment, the loan application conditions include at least expected loan amount, expected loan period, expected loan interest rate, maximum monthly repayment amount, work information and financial proof.

In this embodiment, the work information at least includes work status, employer, job title, years of service, regular salary and annual income, and the financial proof at least includes a copy of the deduction voucher, a copy of the payroll transfer book, and a bank account for three consecutive months. Statements, income statements, time deposit certificates, copies of real estate titles, copies of multiple tax returns, and multiple investment certificates.

In this embodiment, the predetermined selling price is a first price range formed by a desired upper limit and a desired lower limit, and the predetermined purchase price is a second price range formed by a budget upper limit and a budget lower limit. Selling users can adjust at the upper and lower desired limits to change the first price range, and buying users can adjust at the upper and lower budget limits to change the second price range. The real estate matching module 141 randomly displays the reference asking price in the first price range to the buyer user according to the first price range, and randomly displays the reference bid price in the second price range to the seller user according to the second price range.

In other embodiments, the seller information obtaining module 121 can limit the range and timing that the seller user can adjust the upper limit and the lower limit. Similarly, the buyer information obtaining module 131 can limit the range that the buyer user can adjust the upper limit and lower limit of the budget and timing, the present invention is not limited to this. In other embodiments, the real estate matching module 141 may select the middle value of the first price range as the reference selling price, and select the middle value of the second price range as the reference buying price, but the present invention is not limited thereto.

In this embodiment, the real estate matching module 141 determines whether the valid bid is within the first price range, and when the valid bid is lower than the expected lower limit of the first price range, the real estate matching module 141 sends a price reduction suggestion to the seller user and Send the bid increase proposal to the buyer user. In another embodiment, the real estate matching module 141 determines whether there is a zone of possible agreement (ZOPA) in the first price range and the second price range. When there is no negotiation in the first price range and the second price range During the agreement period, the real estate matching module 141 transmits the price reduction suggestion to the seller user and the price increase suggestion to the buyer user. In yet another embodiment, when the real estate matching module 141 determines that the real estate for sale has obtained multiple valid bids at the same time, the real estate matching module 141 transmits the highest bid among the multiple valid bids to the seller user, and increases the bid Recommendations are routed to multiple buyer users corresponding to multiple non-highest bids in multiple valid bids.

In this embodiment, the real estate matching module 141 calculates the subscription transaction deposit according to the first custom percentage of valid bids after the seller user signs the letter of intent, and automatically allocates the subscription transaction from the buyer's default account of multiple buyer information Deposit to trust custodial account. Further, the real estate matching module 141 calculates the subscription transaction margin according to the second custom percentage of the valid bid after the buyer user has signed the letter of intent for transaction, and automatically allocates the subscription transaction margin from the seller's default account of multiple seller information. to a trust custodial account.

In this embodiment, the first custom percentage is less than fifteen percent (<15%), and the second custom percentage is less than or equal to the first custom percentage. In other embodiments, the first custom percentage and the second custom percentage may not be limited, or may have other correlations with each other.

In another embodiment, the plurality of seller information includes a first insurance premium waiver condition and a first security deposit refund condition. Similarly, the plurality of buyer information includes a second insurance premium waiver condition and a second security deposit refund condition. The group 141 automatically returns the subscription transaction margin and the subscription transaction margin to the buyer's preset account from the trust custody account according to the first insurance money reduction or exemption condition, the first security deposit refund condition, the second insurance money reduction or exemption condition, and the second security deposit refund condition. and seller default account.

In the present embodiment, the seller information acquisition module 121 instructs the seller user to perform the seller identity verification procedure at any of a plurality of interactive information service stations (Interactive Kommunikasjon Integrert Offentlig Service Kontor, referred to as Interactive KIOSK) and a plurality of bank branches, and at After the seller identity verification process is completed, the seller verification status of the plurality of seller information is marked as verified. Similarly, the buyer information acquisition module 131 instructs the buyer user to go to any one of the plurality of interactive information service stations and the plurality of bank branches to execute the buyer The identity verification process, and after the buyer identity verification process is completed, the buyer verification status of multiple buyer information is marked as verified.

In this embodiment, the seller information acquisition module 121 can be connected to the household registration database, the land administration database, the police database, the fire protection database and the construction database of the government agency data system 170 according to the seller user authorization signal, so as to verify the Similar to the multiple seller information, the buyer information acquisition module 131 can be connected to the household registration database, the land information database and the police database of the government agency data system 170 according to the buyer user authorization signal to verify the multiple buyer information.

To sum up, the loan trial calculation system combined with real estate matching proposed by the present invention not only provides sellers to advertise real estate for sale, but also automatically recommends both parties to adjust the price according to the prices of both buyers and sellers, so as to facilitate the conclusion of the transaction, and can reduce the risk of damage. The commission burden of both buyers and sellers and the avoidance of illegal arbitrage by real estate agents. In addition, the system proposed by the present invention has preliminarily estimated the loan capacity of the buyer before the actual bid, so it can ensure that once the real estate transaction is established, the buyer can obtain the loan verification result with sufficient amount and reasonable repayment conditions .

100: Loan trial calculation system combined with real estate matching 110: Signal transceiver 120: The first server 121: Seller information acquisition module 122: Real estate appraisal module 130: Second server 131: Buyer information acquisition module 132: Credit Evaluation Module 140: Third server 141: Real Estate Matching Module 142: Matching Auxiliary Module 143: Loan Trial Module 150: Real price login system 160: Joint Credit Information System 170: Government Agency Information System

FIG. 1 is a schematic diagram illustrating a loan trial calculation system combined with real estate matching according to an embodiment of the present invention. FIG. 2A is a schematic diagram illustrating the connection between the first server and a plurality of external systems according to an embodiment of the present invention. FIG. 2B is a schematic diagram illustrating the connection between the second server and a plurality of external systems according to an embodiment of the present invention.

100: Loan trial calculation system combined with real estate matching

110: Signal transceiver

120: The first server

121: Seller information acquisition module

122: Real estate appraisal module

130: Second server

131: Buyer information acquisition module

132: Credit Evaluation Module

140: Third server

141: Real Estate Matching Module

142: Matching Auxiliary Module

143: Loan Trial Module

Claims (20)

A loan trial calculation system combined with real estate matching, including: a signal transceiver; A first server, the first server includes: A seller information acquisition module for a seller user to input a plurality of seller information, wherein the seller information includes a seller personal information table and a real estate consignment sales contract, and the real estate consignment sales contract at least includes a for-sale contract real estate and a predetermined sale price; a second server, the second server includes: A buyer information acquisition module is used for a buyer user to input a plurality of buyer information, wherein the buyer information at least includes a buyer personal information form, a joint credit investigation agreement, a loan application condition, a proposed real estate and a the predetermined purchase price; and a credit evaluation module, adapted to receive the buyer information and the signal to connect to a joint credit reporting system, to obtain at least one link record corresponding to the buyer user, and to obtain at least one link record corresponding to the buyer user, collect records, and generate a credit evaluation result corresponding to the buyer user; and A third server, coupled to the signal transceiver, the first server and the second server, and the third server includes: A real estate matching module determines whether the predetermined purchase price of the real estate to be purchased in the buyer information is a valid bid according to the credit evaluation result, and transmits the valid bid to the seller user, and the seller user can decide Whether to sign a letter of intent to accept the valid bid, and to transmit the letter of intent to the buyer, the buyer can decide whether to sign the letter of intent and make a loan application request; and a loan trial calculation module, according to the seller information, the buyer information, the credit evaluation result, the transaction intent letter and the loan application request, to generate a loan approval information, and output the loan approval information to the The buyer user. The loan trial calculation system combined with real estate matching as claimed in claim 1, wherein the first server further comprises: A real estate appraisal module, suitable for receiving the seller information and suitable for connecting the signal to a real-price registration system, so as to obtain at least one historical transaction record corresponding to the real estate for sale and a plurality of homogenous properties similar to the real estate for sale Real estate transaction records, and according to the seller information, the at least one historical transaction record and the homogeneous real estate transaction records, a real estate appraisal result corresponding to the real estate for sale is generated. The loan trial calculation system combined with real estate matching according to claim 2, wherein the loan trial calculation module further generates the loan approval information according to the real estate appraisal result. The loan trial calculation system combined with real estate matching as claimed in claim 1, wherein the third server further comprises: A matching auxiliary module, suitable for receiving a real estate listing instruction and an advertisement enhancement instruction from the seller user, a house viewing appointment instruction and a house inspection instruction from the buyer user, and suitable for reporting to the seller user or the seller user. Buyer users provide a recommended list of high-quality Landlords and a recommended list of high-quality surrogates. The loan trial calculation system combined with real estate matching as claimed in claim 4, wherein a listing fee and an advertisement fee generated corresponding to the listing instruction of the real estate for sale and the advertisement enhancement instruction are generated by a seller preset account of the seller information Automatic deduction, corresponding to the inspection fee generated by the pre-order house inspection instruction is automatically debited by a buyer's default account of the buyer information, and a inspection fee corresponding to the house inspection instruction is generated by the seller user and the buyer user. The average payment is made, and the default account of the buyer and the default account of the seller are automatically debited. According to the loan trial calculation system combined with real estate matching according to claim 5, after the buyer user accepts the loan approval information, the matching auxiliary module returns the publication fee to the seller's default account, and takes the review The fee is returned to the buyer's default account. The loan trial calculation system combined with real estate matching according to claim 1, wherein the real estate consignment sales contract at least further includes a land indication, a land owner, a land mortgage information, a land area, a building label, a building Owner, mortgage information of a building, area of a public facility, area of a main building, area of a subsidiary building, age of a building, floor of a building, condition of a building, layout of a building, layout of a building, orientation of a building, a building The orientation of the door, the orientation of a floor-to-ceiling window, the number of elevator seats, the barrier-free facility, the type of parking space, the area of the parking space, the information of the neighboring facilities, the proof of ownership, multiple real estate audio and video messages, the scope of entrustment rights, the entrustment period, One payment method and multiple authorizations. The loan trial calculation system combined with real estate matching according to claim 1, wherein the loan application conditions at least include an expected loan amount, an expected loan period, an expected loan interest rate, a monthly maximum repayment amount, a job information and A financial proof. The loan trial calculation system combined with real estate matching as described in claim 8, wherein the job information at least includes a work status, an employer, a job title, an in-service experience, a regular salary and a year's income, and the financial resources The proof shall include at least one copy of the withholding receipt, one copy of the payroll transfer book, one bank statement for three consecutive months, one income statement, a certain time deposit certificate, one copy of the real estate ownership certificate, multiple copies of tax receipts and multiple investment certificates . The loan trial calculation system combined with real estate matching according to claim 1, wherein the predetermined selling price is a first price range formed by an expected upper limit and an expected lower limit, and the predetermined purchase price has a budget upper limit and a second price range formed by a lower budget limit. The loan trial calculation system incorporating real estate matching as described in claim 10, wherein the seller user can adjust the expected upper limit and the expected lower limit to change the first price range, and the buyer user can adjust the budget upper limit and the Budget lower bound to change this second price range. The loan trial calculation system combined with real estate matching according to claim 11, wherein the real estate matching module randomly displays a reference selling price in the first price range to the buyer user according to the first price range, and according to the first price range In the second price range, a reference bid price in the second price range is randomly displayed to the seller user. The loan trial calculation system combined with real estate matching according to claim 11, wherein the real estate matching module determines whether the valid bid is within the first price range, and when the valid bid is lower than the expected lower limit of the first price range When , the real estate matching module transmits a price reduction suggestion to the seller user and a price increase suggestion to the buyer user. The loan trial calculation system combined with real estate matching according to claim 11, wherein the real estate matching module determines whether there is a negotiated agreement interval in the first price range and the second price range, when the first price range and the When the second price range does not exist in the negotiated agreement range, the real estate matching module transmits a price reduction proposal to the seller user and a price increase proposal to the buyer user. The loan trial calculation system combined with real estate matching according to claim 11, wherein when the real estate matching module determines that the real estate for sale has obtained multiple valid bids at the same time, the real estate matching module determines the valid bids among the valid bids. A highest bid is transmitted to the seller user, and a bid increase proposal is transmitted to the buyer users corresponding to a plurality of non-highest bids among the valid bids. The loan trial calculation system combined with real estate matching according to claim 1, wherein the real estate matching module calculates a subscription transaction deposit according to a first custom percentage of the valid bid after the seller user signs the letter of intent, And the subscription transaction margin is automatically allocated to a trust escrow account from a buyer's default account of the buyer information. The loan trial calculation system combined with real estate matching as described in claim 16, wherein the real estate matching module calculates a subscription transaction deposit according to a second custom percentage of the valid bid after the buyer user signs the transaction intent letter , and automatically withdraw the subscription transaction margin to the trust escrow account from a seller's default account of the seller information. The loan trial calculation system combined with real estate matching as claimed in claim 17, wherein the seller information further includes a first insurance premium waiver condition and a first security deposit refund condition, and the buyer information further includes a second insurance premium waiver condition and a second deposit refund condition, the real estate matching module is automatically controlled by the trust according to the first insurance money reduction condition, the first deposit refund condition, the second insurance money reduction condition and the second deposit refund condition The escrow account returns the subscription transaction margin and the subscription transaction margin to the buyer's default account and the seller's default account respectively. The loan trial calculation system combined with real estate matching as claimed in claim 1, wherein the seller information acquisition module instructs the seller user to perform a seller identity verification procedure at any one of a plurality of interactive information service stations and a plurality of bank branches, and After the seller identity verification process is completed, a seller verification status of the seller information is marked as verified, and the buyer information acquisition module instructs the buyer user to any of the interactive information service stations and the bank branches. Execute a buyer identity verification process, and mark a buyer verification status of the buyer information as verified after the buyer identity verification process is completed. The loan trial calculation system combined with real estate matching as claimed in claim 1, wherein the seller information acquisition module is adapted to be connected to a household registration database, a land administration database, a police database, a fire database and a construction database to verify the seller information, and the buyer information acquisition module is adapted to connect to the household registration data of the government agency data system according to the buyer user authorization signal database, the Lands database, and the Police database to verify such buyer information.

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