TWI843594B - Online real estate transaction matching management system and method - Google Patents

Abstract

The present invention provides an online real estate transaction matching management system and method, Provide the management party to manage real estate transactions through Internet matching, the method includes the steps of creating transaction target information, steps to create seller information, steps for credit evaluation , steps to create buyer information, steps to create real estate demand information, steps in matching , steps in message delivery, steps to determine purchase intention and signing of a contract, on the premise that the buyer obtains the loan credit evaluation, the matching step is carried out to avoid problem that the buyer cannot perform the contract due to financial resources after the buyer and the seller signing the contract, improve the efficiency of real estate transactions, and both the buyer and the seller do not need to negotiate prices and reduce the time spent on price negotiations between the two parties.

Description

Online real estate transaction matching management system and method

The present invention relates to the field of real estate transaction matching; in particular, it discloses an innovative technology for an online real estate transaction matching management system and method.

Real estate transactions involve complex professional knowledge and huge transaction amounts. Sellers who are interested in selling real estate will hand over relevant information about the real estate to an intermediary and entrust the intermediary to publish real estate information and handle sales matters. Buyers who are interested in purchasing real estate will find suitable real estate through an intermediary and entrust the intermediary to handle purchase matters. Both parties can reduce their burden in the real estate transaction process through the intermediary's matchmaking service.

Although the real estate agency can provide professional real estate valuations and can query the real transaction price of real estate through the real estate real price registration system, there are no two real estate properties that are exactly the same in all aspects. Even if it is the same real estate property that is traded at different times, the economic changes in the external environment at the time of the transaction, the depreciation or repair of the real estate property, etc., will affect the value of the real estate property. Therefore, the seller and buyer of the real estate transaction have different opinions on the real estate valuation and the real transaction price. The transaction price recorded in the price list is usually used as a reference. The seller expects to sell the real estate at a higher price. The buyer usually believes that the selling price marked by the seller should be higher than the value of the real estate in the market. The buyer expects to obtain a lower transaction price through bargaining. Therefore, in the process of matching real estate transactions, when the buyer is willing to trade, the buyer and seller must reach a price consensus through bargaining. Price becomes an important factor affecting whether the transaction is completed or not, and bargaining becomes an important process of real estate transaction matching.

The buyer selects the real estate object he intends to purchase and pays a mediation fee to express his willingness to purchase. The negotiation phase begins. The buyer and seller make offers to each other through the intermediary. The intermediary provides suggestions to the buyer and seller for price negotiation. The negotiation process is opaque and full of uncertainty, which becomes an important factor that wastes the time required for real estate matchmaking transactions. On the other hand, the buyer usually expects to obtain the real estate object at a price lower than the seller's marked selling price. If the buyer chooses a real estate object with a marked selling price higher than his own financial ability, and cannot obtain the transaction price expected by the buyer through negotiation, the negotiation cannot reach a consensus, resulting in a waste of time and energy for both parties.

The matchmaking commission charged by the real estate agent is calculated as a fixed percentage of the real estate transaction price. On the premise that the real estate transaction can be completed, the higher the transaction price, the higher the matchmaking commission the agent will receive. When the buyer and seller do not directly negotiate the price, some unscrupulous agents often use various rhetoric to guide buyers to increase their bids, intending to push up the transaction price and obtain more matchmaking commissions, thereby damaging the interests of the buyers.

As mentioned above, the current bargaining in real estate matchmaking transactions often becomes an important factor that prevents the efficiency and transaction rate of real estate matchmaking transactions from being improved.

The buyer and seller reach a consensus on the transaction price through bargaining. Most of the buyers need a bank to provide a loan before they can pay the price of the real estate and complete the transfer of ownership of the real estate. However, the bank needs to evaluate the value of the real estate and the buyer's debt repayment ability before deciding whether to provide a loan and the loan conditions. After bargaining, some real estate matching transactions cannot be completed because the buyer cannot obtain sufficient loans from the bank, resulting in the buyer being unable to pay the price of the real estate. This causes a waste of time for both parties.

The main purpose of the present invention is to provide an online real estate transaction matching management system and method. The technical problem it aims to solve is how to develop a new type of real estate transaction matching management that is more ideal and practical to make innovative breakthroughs.

Based on the above purpose, the technical features of the present invention to solve the problem mainly lie in the online real estate transaction matching management system, which provides the management party with the matching management of real estate transactions through the Internet, including:

A real estate source module is composed of a readable and writable storage medium, and is used to record the transaction target information of the real estate object to be traded, and the transaction target information includes the condition characteristics and selling price of the real estate object;

A seller database is composed of a readable and writable storage medium, and is used to record the seller information of the seller who sells the real estate object. The seller database is connected to the real estate source module, and the seller information corresponds to the transaction subject information bound to the real estate object;

A buyer demand module is composed of a readable and writable storage medium and is used to record the real estate demand information of the buyer who wants to purchase the real estate object;

A buyer database is composed of a readable and writable storage medium, and is used to record the buyer information of the buyer. The buyer database is connected to the buyer demand module. The buyer information corresponds to and is bound to the real estate demand information. The buyer information includes the bank's loan credit limit and validity period for the buyer.

A processing unit mainly composed of a microprocessor, the processing unit is connected to the real estate source module, the buyer demand module and the buyer database;

A transmission module is a bidirectional electronic signal transmitter, the transmission module is connected to the processing unit and the Internet, and the processing unit transmits messages to the seller-end device held by the seller, the buyer-end device held by the buyer, and the bank-end device held by the bank through the transmission module;

The processing unit runs an application program, selectively matches the transaction target information according to the real estate demand information and the buyer information, generates matching information, and transmits the matching information to the buyer corresponding to the buyer information through the transmission module. The processing unit determines whether the buyer agrees to purchase the real estate object corresponding to the matching information based on the message transmitted by the buyer's terminal device. The processing unit transmits transaction messages to the buyer who agrees to purchase and the seller who sells the real estate object, respectively, so that the buyer and the seller sign a real estate transaction contract.

The online real estate transaction matching management method implemented by the aforementioned online real estate transaction matching management system comprises the following steps:

Establishing transaction target information: Based on the authorization of the seller, the management party surveys the real estate object that the seller wants to sell, records the condition characteristics of the real estate object, evaluates and sets the selling price of the real estate object, and accordingly establishes the transaction target information corresponding to the real estate object in the real estate source module;

Establishing the seller's information: the management party establishes the seller's information based on the seller's authorization, and the transaction subject information is bound to the seller's information of the seller who sells the real estate object;

Credit evaluation: The bank evaluates the buyer's financial status and solvency and prepares a credit evaluation for lending. The credit evaluation includes the bank's credit limit and validity period for lending to the buyer.

Establishing buyer information: Based on the authorization of the buyer, the management party obtains the bank's verification certificate for the loan credit evaluation, and then the management party establishes the buyer information for the buyer, and the buyer information includes the loan credit limit and the validity period;

Establishing real estate demand information: establishing the real estate demand information based on the buyer's demand conditions for purchasing the real estate object, and the real estate demand information is bound to the buyer's information, and the real estate demand information includes demand condition characteristics;

Matching: Based on the real estate demand information bound to the buyer's information within the validity period, the information of the transaction subject is compared and screened, and the matching information is generated based on the screening results;

Transmitting information: transmitting the transaction subject information and its selling price to the buyer corresponding to each matching information;

Determine the willingness to purchase: Based on the buyer's feedback, determine whether the buyer has the intention to purchase the real estate object represented by the transaction target information. If the buyer has the intention to complete the transaction, proceed to the subsequent steps. If the buyer does not have the intention to complete the transaction, return to the matching step;

Contract signing: Based on the buyer's willingness to complete the transaction, the management party will send a successful matchmaking message to the seller and the buyer respectively, and sign a real estate transaction contract and establish a performance bond account with the seller and the buyer.

The main effect and advantage of the present invention is that the matching step can be carried out on the premise that the buyer obtains the loan credit rating, and the comparison and screening can be carried out only under the condition that the selling price is equal to or lower than the loan credit limit, thereby avoiding the problem that the buyer is unable to perform the contract due to financial difficulties after the buyer and the seller sign the contract, thereby improving the efficiency of real estate transactions, and the buyer and the seller do not need to conduct the common and necessary bargaining in the previous technology, thereby reducing the time spent by both parties on price negotiation.

Please refer to FIG. 1 and FIG. 2 , which are preferred embodiments of the present invention. However, these embodiments are for illustrative purposes only and are not limited to this structure in patent applications.

As shown in FIG1 , the online real estate transaction matching management system provides a management party with matching management of real estate transactions through the Internet 01, and includes a real estate source module 10, a seller database 20, a buyer demand module 30, a buyer database 40, a processing unit 50 and a transmission module 60, wherein the real estate source module 10, the seller database 20, the buyer demand module 30 and the buyer database 40 are respectively composed of readable and writable storage media, and the real estate source module 10 is used to record the transaction target information of the real estate object to be traded, and the transaction target information includes the condition characteristics and selling price of the real estate object.

The types of real estate include but are not limited to houses, land, pre-sale houses and foreclosed houses; the selling price is determined by the valuation of the management party and after the consent of the seller of the real estate, the valuation is mainly based on the characteristics and conditions and the current condition of the real estate, and the transaction price of real estate with similar characteristics and conditions registered in the actual price registration system is used for comprehensive evaluation.

Specific examples of the characteristics of the conditions include, but are not limited to, the geographical location, area, building age, layout, traffic convenience and landscape of the real estate object. The scope of the investigation of the real estate object may be selected as needed to include the property status of the real estate object, whether there is a lease relationship or occupation by others, whether there is any reconstruction or illegal construction, whether the real estate object needs to be repaired and the scope of repair, and the investigation of the surrounding environment and neighborhood conditions.

The transaction subject information may optionally include a static or dynamic image and an authorization code of the real estate object, so that a buyer who intends to purchase the real estate object can obtain the authorization code to view the real estate object online through the Internet 01 or to inspect the real estate object on site at the location of the real estate object.

The seller database 20 is used to record the seller information of the seller who sells the real estate object. The seller database 20 is connected to the real estate source module 10. The seller information corresponds to the transaction subject information bound to the real estate object. The seller can be the owner of the real estate object, or the seller can be an agent entrusted or instructed by the owner to handle the sale of the real estate object, and the agent includes but is not limited to a real estate agent.

The buyer demand module 30 is used to record the real estate demand information of the buyer who wants to purchase the real estate object. The real estate demand information is set by the management party based on the buyer's intention to purchase the real estate, and includes the conditional characteristics that the real estate object that the buyer wants to purchase must have.

The buyer database 40 is used to record the buyer's information. The buyer database 40 is connected to the buyer's demand module 30. The buyer's information corresponds to the real estate demand information. The buyer's information includes the bank's loan credit limit and validity period for the buyer.

The processing unit 50 is mainly composed of a microprocessor, and the processing unit 50 is connected to the real estate source module 10, the buyer demand module 30 and the buyer database 40.

The transmission module 60 is a two-way transmitter of electronic signals. The transmission module 60 is connected to the processing unit 50 and the Internet 01. The processing unit 50 transmits messages to the seller's end device 02, the buyer's end device 03 and the bank's end device 04 respectively through the transmission module 60.

The processing unit 50 runs an application program, selectively matches the transaction target information according to the real estate demand information and the buyer information, and generates matching information accordingly. The matching information is transmitted to the buyer corresponding to the buyer information through the transmission module 60. The processing unit 50 determines whether the buyer agrees to purchase the real estate object corresponding to the matching information based on the message transmitted by the buyer-end device 03. The processing unit 50 transmits transaction messages to the buyer who agrees to purchase and the seller who sells the real estate object, respectively, so that the buyer and the seller sign a real estate transaction contract.

As shown in FIG2 , the online real estate transaction matching management method implemented by the online real estate transaction matching management system includes the following steps:

Establishing transaction target information: Based on the authorization of the seller, the management party surveys the real estate object that the seller wants to sell, records the condition characteristics of the real estate object, evaluates and sets the selling price of the real estate object, and accordingly establishes the transaction target information corresponding to the real estate object in the real estate source module 10.

Establishing seller information: The management party establishes the seller information based on the authorization of the seller, and the transaction subject information is bound to the seller information of the seller who sells the real estate object.

Credit evaluation: The bank evaluates the buyer's financial status and debt repayment ability and prepares a loan credit evaluation, which includes the bank's loan credit limit and validity period for the buyer.

The buyer's assets and liabilities directly affect the performance of its financial status, and assets and liabilities usually increase or decrease over time. The buyer's financial status is also an important factor in assessing the buyer's debt repayment ability. Therefore, the bank's loan credit evaluation for the buyer is time-sensitive. The validity period refers to the effective expiration date of the loan credit evaluation. The loan credit limit represents the amount of money the bank is willing to lend to the buyer.

Establishing buyer information: Based on the authorization of the buyer, the management party obtains the bank's verification certificate for the loan credit evaluation, and then the management party establishes the buyer information for the buyer, and the buyer information includes the loan credit limit and the validity period.

Establishing real estate demand information: establishing the real estate demand information based on the demand conditions of the buyer for purchasing the real estate object, and the real estate demand information is bound to the buyer information, and the real estate demand information includes demand condition characteristics.

Matching: Based on the real estate demand information bound to the buyer's information within the validity period, the transaction target information is compared and screened, and matching information is generated based on the screening results.

Specifically, the matching step is based on the selected demand condition characteristics of the real estate object expressed by the real estate demand information and the loan credit line expressed by the buyer information as screening conditions. The real estate source module 10 compares and screens the transaction target information that meets the demand condition characteristics and the selling price is within the loan credit line, and generates the matching information based on the screening results.

Transmitting information: Transmitting the transaction target information and its selling price to the buyer corresponding to each matching information, and optionally distributing an authorization code, so that the buyer can view the image of the real estate object corresponding to each matching information after verifying the authorization code.

After receiving the matching information, the buyer can query the transaction target information of the real estate object referred to by the matching information through the real estate source module 10, and use this as a reference for the buyer to determine whether to purchase the real estate object. The processing unit 50 limits the buyer to only querying the transaction target information referred to by the matching information, which helps the buyer focus on the real estate object that meets his needs and is within an affordable price range, thereby improving the matching success rate. The buyer can choose to use the authorization code to obtain verification and enter the real estate source module 10 to view the image of the real estate object online. The buyer can also choose to go to the location of the real estate object and use the authorization code to conduct an on-site inspection of the current status of the real estate object.

Determine the willingness to purchase: Based on the buyer's feedback, determine whether the buyer has the intention to purchase the real estate object described in the transaction target information. If the buyer has the intention to complete the transaction, proceed to the subsequent steps. If the buyer does not have the intention to complete the transaction, return to the matching step.

Contract signing: Based on the buyer's willingness to complete the transaction, the management party will send a successful matchmaking message to the seller and the buyer respectively, and sign a real estate transaction contract and establish a performance bond account with the seller and the buyer.

Before establishing the buyer's information, the buyer must obtain the loan credit rating made by the bank. The matching step only performs comparison and screening under the condition that the selling price is equal to or lower than the loan credit line. The real estate objects referred to by the matching information are all within the financial capacity of the buyer. The real estate objects selected by the buyer through multiple matching information will not exceed the financial capacity of the buyer, so as to avoid the problem that the buyer cannot perform the contract due to financial factors after the contract signing step is completed, avoid the waste of time of both parties, and improve the efficiency of real estate transactions.

The manager sets the selling price based on professional appraisal, and the buyer selects the real estate object within the scope of the loan credit line. Matching is carried out based on the trust of the seller and the buyer in the manager. The buyer and the seller do not need to conduct the necessary bargaining that is common in previous technologies, which reduces the time spent by both parties on repeated price negotiations and eliminates the influence of speculative expectations of the buyer and the seller on the final transaction price of the real estate object, thereby improving the efficiency of real estate matching. The buyer does not need to worry about whether he will be influenced by improper rhetoric during bargaining and pay unnecessary costs.

Specifically, the buyer may choose to set up a credit deposit with the bank. The amount of the credit deposit is calculated based on an appropriate proportion of the loan credit line. In the step of establishing the buyer's information, the management party establishes the buyer's information for the buyer based on the premise that the buyer sets up the credit deposit. The credit deposit can be converted into the buyer's performance bond when executing the contract signing step.

The online real estate transaction matching management method of the present invention can optionally perform a verification step before executing the matching step. The verification step is to compare whether the execution time has not exceeded the validity period and to verify with the bank whether the credit deposit is still in existence. If the execution time has not exceeded the validity period and the credit deposit is still in existence, the matching step can be continued. If the execution time has exceeded the validity period, the matching step can be continued. If the credit deposit does not exist, the matching step will not be performed and a message will be sent to notify the buyer. Accordingly, the matching step can only be performed on the premise that the buyer's financial resources are sufficient to purchase the real estate object of the corresponding selling price and the buyer has sufficient funds to pay the performance bond in the future, so as to avoid the subsequent financial problems of the buyer affecting the execution of the contract signing step and the performance of the contract.

In the step of determining the purchase intention, when it is determined that the buyer has the purchase intention based on the feedback message of the buyer, the management party notifies the bank to restrict the transfer of the credit deposit, and in the step of executing the contract signing, the credit deposit is transferred to the performance bond account as the performance bond of the buyer.

10: Real estate source module 20: Seller database 30: Buyer demand module 40: Buyer database 50: Processing unit 60: Transmission module 01: Internet 02: Seller-side device 03: Buyer-side device 04: Bank-side device

FIG1 is a block diagram of the system architecture of a preferred embodiment of the present invention. FIG2 is a flow chart of the method of a preferred embodiment of the present invention.

10: Real estate source module

20: Seller database

30: Buyer demand module

40: Buyer database

50: Processing unit

60: Transmission module

01:Internet

02: Seller-side device

03: Buyer-side device

04: Bank terminal device

Claims (8)

An online real estate transaction matching management system provides a management party with matching management of real estate transactions through the Internet, which includes: A real estate source module is composed of a readable and writable storage medium, used to record the transaction target information of the real estate object to be traded, and the transaction target information includes the condition characteristics and selling price of the real estate object; A seller database is composed of a readable and writable storage medium, used to record the seller information of the seller selling the real estate object, the seller database is connected to the real estate source module, and the seller information corresponds to the transaction target information bound to the real estate object; A buyer demand module is composed of a readable and writable storage medium, and is used to record the real estate demand information of the buyer who wants to purchase the real estate object; A buyer database is composed of a readable and writable storage medium, and is used to record the buyer information of the buyer. The buyer database is connected to the buyer demand module. The buyer information corresponds to and is bound to the real estate demand information. The buyer information includes the bank's loan credit limit and validity period for the buyer; A processing unit is mainly composed of a microprocessor, and the processing unit is connected to the real estate source module, the buyer demand module and the buyer database; A transmission module is a two-way electronic signal transmitter, the transmission module is connected to the processing unit and the Internet, and the processing unit transmits messages to the seller's end device held by the seller, the buyer's end device held by the buyer, and the bank's end device held by the bank through the transmission module; The processing unit runs an application program, selectively matches the transaction target information according to the real estate demand information and the buyer information, generates matching information, and transmits the matching information to the buyer corresponding to the buyer information through the transmission module. The processing unit determines whether the buyer agrees to purchase the real estate object corresponding to the matching information based on the message transmitted by the buyer's terminal device. The processing unit transmits transaction messages to the buyer who agrees to purchase and the seller who sells the real estate object, respectively, so that the buyer and the seller sign a real estate transaction contract. An online real estate transaction matching management system as described in claim 1, wherein the condition characteristic is geographical location, area, building age, layout, transportation convenience or landscape. An online real estate transaction matching management method implemented by the online real estate transaction matching management system described in claim 1, comprising the following steps: Establishing transaction target information: the management party, based on the authorization of the seller, surveys the real estate object that the seller wants to sell, records the condition characteristics of the real estate object, evaluates and sets the selling price of the real estate object, and accordingly establishes the transaction target information corresponding to the real estate object in the real estate source module; Establishing seller information: the management party, based on the authorization of the seller, establishes the seller information, and the transaction target information is bound to the seller information of the seller who sells the real estate object; Credit assessment: The bank assesses the financial status and debt repayment ability of the buyer and prepares a loan credit evaluation, which includes the bank's loan credit limit and validity period for the buyer; Establish buyer information: The management party obtains the bank's verification certificate for the loan credit evaluation based on the buyer's authorization, and then the management party establishes the buyer information for the buyer, and the buyer information includes the loan credit limit and the validity period; Establish real estate demand information: Based on the buyer's demand conditions for purchasing real estate objects, the real estate demand information is established, and the real estate demand information is bound to the buyer's information, and the real estate demand information includes demand condition characteristics; Matching: Based on the real estate demand information bound to the buyer's information within the validity period, the information of the transaction target is compared and screened, and matching information is generated based on the screening result; Transmitting information: Transmitting the transaction target information and its selling price to each buyer corresponding to the matching information; Determining the willingness to purchase: Based on the buyer's feedback information, determine whether the buyer has the intention to purchase the real estate object expressed in the transaction target information. If the buyer has the intention to complete the transaction, proceed to the subsequent steps. If the buyer does not have the intention to complete the transaction, return to the matching step; Signing a contract: Based on the buyer's willingness to complete the transaction, the management party will send a successful matchmaking message to the seller and the buyer respectively, and sign a real estate transaction contract with the seller and the buyer and set up a performance guarantee account. The online real estate transaction matching management method as described in claim 3, wherein the matching step is based on the selected demand condition characteristics of the real estate object expressed by the real estate demand information and the loan credit line expressed by the buyer information as screening conditions, and the real estate source module compares and screens the transaction target information that meets the demand condition characteristics and the selling price is within the loan credit line, and generates the matching information based on the screening result. In the online real estate transaction matching management method as described in claim 3, in the step of establishing the buyer's information, the management party establishes the buyer's information for the buyer based on the premise that the buyer has established a credit deposit with the bank. As described in claim 5, in the online real estate transaction matching management method, before executing the matching step, a verification step is first executed, and the verification step is to compare whether the execution time has not exceeded the validity period and verify whether the credit deposit is continued. If the execution time has not exceeded the validity period and the credit deposit is continued, the matching step can be continued. If the execution time has exceeded the validity period or the credit deposit is not continued, the matching step is not executed, and a message is sent to notify the buyer. As described in claim 5, in the step of establishing the buyer's information, the management party establishes the buyer's information for the buyer based on the premise that the buyer has established a credit deposit with the bank, and the verification step includes verifying whether the credit deposit continues to exist. If the credit deposit continues to exist, the matching step can be continued to be executed; if the credit deposit does not continue to exist, the matching step is not executed, and a message is sent to notify the buyer. The online real estate transaction matching management method as described in claim 5, wherein in the step of determining the purchase intention, when it is determined that the buyer has the purchase intention based on the buyer's feedback message, the management party notifies the bank to restrict the transfer of the credit deposit, and in the step of executing the contract, the credit deposit is transferred to the performance bond account as the buyer's performance bond.

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