TWM596929U - House loan transferring and increasing system - Google Patents

Abstract

A house loan transferring and increasing system is provided. The house loan transferring and increasing system includes a server and a credit checking process management system. The server includes a transmission module and an authentication module. The transmission module is configured to receive a login information and a loan increasing application request from an external device. The authentication module is connected to the transmission module, and is configured to authenticate the login information. credit checking process management system includes a processing module and an internal database. The processing module is connected to the server, and is configured to determine whether to approve the loan increasing application request. The internal database is connected to the processing module, and is configured to provide multiple reference information for the determination as required.

Description

Mortgage-to-increasing loan system

This disclosure relates to a system for converting a mortgage to a loan.

The statements herein only provide background information related to the present disclosure and do not necessarily constitute prior art.

The general house guarantee loan operation regulations, after the loan application has been approved, if the owner of the house has a loan increase demand within a certain period (usually two years), the value of the original house can be re-assessed . However, it is estimated that among all current housing guarantee loan cases, the proportion of loan cases within the aforementioned period is relatively low, and the vast majority of loan cases have so far exceeded this period. Therefore, if the lender needs to increase the mortgage, most of them must re-appraise the price.

The reassessment of the house will take a long time, and after the reassessment is completed, the branches of the bank must still evaluate the conditions of the owner of the house and the current status of the field survey of the house as the basis for final refusal. The aforementioned assessment content includes the house owner's factors and house factors. For example, in terms of the homeowner’s factors, their age, health, and work status all affect an individual’s income, which in turn can estimate their immediate debt-servicing ability. In terms of housing factors, Changes in the current housing conditions, usage conditions, and surrounding environment and facilities of the house will also affect the value of the house.

In view of this, one purpose of the present disclosure is to propose a mortgage-increasing loan system that can greatly improve the efficiency of the loan-increasing operation to shorten the time required from loan application to lending.

Some embodiments of the present disclosure disclose a mortgage-to-credit system, including a server and a credit management system. The server includes a transmission module and a verification module. The transmission module is used to receive the login information and loan application request sent from the external device. The authentication module is connected to the transmission module to verify the login information. The credit management system includes a processing module and an internal database. The processing module is connected to the server to determine whether to approve the loan increase request. The internal database is connected to the processing module and is used to provide multiple judgment reference information required for judgment.

In one or more embodiments of the present disclosure, the server further includes a user database, which is used to provide user data required by the verification module to verify the login information.

In one or more embodiments of the present disclosure, the internal database includes a loan-enhancement control data set. The data collection of the loan enhancement control determines the interest rate range according to the occupation of the collateral owner corresponding to the login information. Among them, the interest rate range is higher than the mortgage interest rate corresponding to the collateral required by the loan increase application but lower than the pure credit interest rate, and the interest rate range is used as one of the judgment information.

In one or more embodiments of the present disclosure, the internal database includes a trend data set. The trend data set has multiple discount scores drawn according to geographical distribution. These discount coefficients are formulated with reference to the historical rise and fall of real estate prices in various regions in the geographical distribution, and these discount coefficients are used as one of the judgment information.

In one or more embodiments of the present disclosure, the internal database includes a collateral owner rating data set. The collateral owner rating data set is used to provide the collateral owner's credit rating and the amount or proportion of the principal repaid.

In one or more embodiments of the present disclosure, the internal database is further connected to the external database. The external database is located outside the mortgage-to-increased credit system. The internal database receives data from the external database by periodically updating automatically or manually.

In one or more embodiments of the present disclosure, the processing module is connected to the transmission module.

In one or more embodiments of the present disclosure, when the amount of the loan increase application request is not greater than the upper limit of the loan increase amount obtained by the processing module based on multiple judgment reference information, the processing module approves the loan increase request.

The above-mentioned embodiments of the present disclosure at least achieve the effect of improving the efficiency of the mortgage-to-credit operation through at least a credit management system or its cooperation with the server.

In order to make the above-mentioned features and advantages of the present disclosure more comprehensible, the embodiments are specifically described below and described in conjunction with the accompanying drawings as follows.

1000: Mortgage-to-increasing loan system

100: server

110: Transmission module

120: Verification module

130: User database

200: Credit management process management system

210: processing module

220: Internal database

222: Collateral owner rating data set

224: Increasing loan management and control data set

226: Trend data set

300: External device

310: User interface

400: external database

S1, S2, S21, S3, S4, S41, S42: steps

FIG. 1 shows a block diagram of a housing loan-to-income system in some embodiments of the present disclosure.

FIG. 2 shows a schematic diagram of the verification process of the mortgage-to-income loan in some embodiments of the present disclosure.

In order to make the description of this disclosure more detailed and complete, the following provides an illustrative description of the implementation form and specific embodiments of the disclosure; however, this is not the only form for implementing or using specific embodiments of the disclosure. The embodiments disclosed below can be combined or replaced with each other under beneficial circumstances, and other embodiments can be added to an embodiment without further description or description.

In the following description, many specific details will be described in detail to enable the reader to fully understand the following embodiments. However, the embodiments of the present disclosure may be practiced without these specific details. In other cases, to simplify the drawings, well-known structures and devices are only schematically shown in the drawings.

Refer to Figure 1. FIG. 1 illustrates a functional block diagram of a mortgage-to-income system 1000 in some embodiments of the present disclosure. The mortgage-to-income system 1000 includes a server 100 and a credit management system 200. In some embodiments, the server 100 includes a transmission module 110 and a verification module 120. The transmission module 110 is used to receive the login information and the loan application request sent from the external device 300. The verification module 120 is connected to the transmission module 110, It is used to verify the login information provided from the external device 300. The login information is, for example, information such as name, ID number, etc., which can be used to identify the identity, and the password entered together. The loan application requirements include at least the required loan amount. In some embodiments, the server 100 further includes a user database 130 for providing user data required by the verification module 120 to verify login information. The aforementioned "connection" may include a wired connection method, a wireless communication method, or an Internet communication method, and other "data sets" described below are also the same.

The login information and the request for loan increase may be provided by the collateral owner through the user interface 310 of the external device 300, for example, by an application displayed on the external device 300 held by the collateral owner (for example, a mobile phone ) The input screen on the screen allows the owner of the collateral to provide login information and loan application requirements. In the embodiment of the present disclosure, the “collateral” of the owner of the collateral takes a house as an example.

The credit management system 200 includes a processing module 210 and an internal database 220. The processing module 210 is connected to the server 100 to determine whether to approve the collateral owner's loan application request. In some embodiments, the processing module 210 is connected to the transmission module 110 of the server 100 to receive the authenticated login information and the loan application request. The internal database 220 is connected to the processing module 210 to provide a plurality of judgment reference information required for the processing module 210 to judge. In detail, after receiving the verified login information and the loan increase request, the processing module 210 may send a request to the internal database 220 to provide corresponding information corresponding to the aforementioned login information. The internal database 220 then provides a plurality of judgment reference information corresponding to the login information to the processing module 210.

In some embodiments, the server 100 and the credit management system 200 may be in the same hardware facility, or the commands executed by them may be integrated into the same software or firmware, but not limited to this. In addition, the above-mentioned multiple judgment reference information has a certain adjustment flexibility. The following reveals some aspects of multiple judgment reference information, and the actual content of the judgment calculation after the processing module 210 receives the judgment reference information.

In some embodiments, the internal database 220 includes a collateral owner rating data set 222. The collateral owner rating data set 222 can be connected to the processing module 210. The "data set" may be text, patterns, or audiovisual content stored in the internal database 220 and having a specific data structure. The "data set" may also be a memory module in the internal database 220, which contains text, patterns, or audiovisual contents of a specific data structure. The same applies below.

The collateral owner rating data set 222 is used to provide the collateral owner's credit rating and the amount or proportion of the amount repaid. The credit rating may be the credit rating of the owner of the collateral made by the holder of the credit flow management system 200 and/or the server 100 (for example, a bank). In some embodiments, since the user database 130 of the server 100 may include information about all customers (for example, all types of customers of the bank), the collateral owner rating data set 222 may also have some data from the server 100 user database 130, but not limited to this. The credit rating is used as one of the aforementioned judgment reference information to be sent to the processing module 210 for judgment. In other embodiments, the credit rating related data may also be assisted by the external database 400. The external database 400 refers to the holder is not the credit management process management department The database of the holder of the system 200 and/or the server 100, such as the database of an external credit rating company or the official database. For example, the database of the Joint Credit Information Center of the Financial Corporation and the real-time transaction price landing transaction information database of the Ministry of the Interior all belong to the category that the external database 400 can include. As for the amount of the repaid amount or the ratio to the principal, the following is an example in conjunction with the credit rating.

Assuming that the credit rating is divided into 1 to 10 places, the processing module 210 sets the credit rating of the collateral owner to pass the first-stage review threshold in the range of 1 to 5 places. In addition, the processing module 210 further sets a review threshold for determining whether to grant (transfer) the second stage of the loan increase based on the repayment of the principal. For example, if the principal repaid exceeds 1 million yuan (that is, the threshold is set based on the absolute value of the repayment amount), or exceeds 20% of the total amount of the mortgage (that is, the ratio of the repayment amount compared to the entire amount of the mortgage) The threshold. In addition, it can also be set to apply for a loan increase amount below a certain amount (for example, less than 500,000 yuan), the processing module 210 directly determines to pass the review (equivalent to credit), and to verify the loan increase amount and the applicable interest rate. The applicable interest rate at this time is higher than the applicable interest rate for (transferred) increased loans. It should be noted that the above examples are used to understand the possible appearance of the disclosed embodiments, and are not intended to limit the protection scope of the present disclosure, and the same applies below.

In some embodiments, the internal database 220 includes a set of increased credit management data 224. The credit enhancement management data set 224 may be connected to the processing module 210. The credit enhancement management data set 224 may determine the interest rate range according to the occupation of the collateral owner corresponding to the aforementioned login information. In some embodiments, the aforementioned interest rate range is limited to guarantees that need to be higher than the collateral owner’s request for a loan increase The mortgage interest rate corresponding to things (such as houses), but at the same time, it needs to be lower than the pure credit interest rate. The interest rate interval is used as one of the aforementioned judgment reference information to be sent to the processing module 210 for judgment. Here is an example.

The credit enhancement management data set 224 may pre-set the preferred occupation identified by the credit flow management system 200 and/or the server 100 holder and give the optimal interest rate. Of course, you can also use the external database 400 to consult with government agencies or private survey companies in recent years to give the best interest rates to professional groups with higher economic capabilities and/or stability, such as interest rates in the range of 2.5% to 3.3%. In some embodiments, the interest rate of military public education staff loans is set in the range of 2.5% to 3.0%. In some embodiments, smaller (easy) credit loans are set in the range of 3.5% to 4.5%. This (easy) credit loan can be set to have nothing to do with occupation, but not limited to this. In some embodiments, the Zengzhuan Management Dataset 224 classifies the Zengdai occupations into superior job and superior profit (that is, the aforementioned preferred occupations) credit loans, military and public education staff micro-loans, simple micro-credit loans, franchise loans for franchisees, special Store owner loans, etc.

In some embodiments, the internal database 220 includes a trend data set 226. The trend data set 226 can be connected to the processing module 210. The trend data set 226 may have multiple discount scores drawn according to geographical distribution. In some embodiments, these discount percentages are formulated with reference to the historical decline in real estate prices in various regions in the geographical distribution. The processing module 210 requests the trend data set 226 to provide the discount percentage of the region to which the collateral corresponding to the loan increase application request belongs. The discount percentage is used as one of the aforementioned judgment reference information to be sent to the processing module 210 for judgment. In some In an embodiment, the trend data set 226 is connected to the external database 400, and receives data on the trend of housing price changes in the external database 400 by means of periodic automatic update or manual update. Of course, the trend data can be entered by the holder of the credit management system 200 and/or the server 100 into the trend data set 226, and the external database 400 is only one embodiment.

Refer to Figure 2. FIG. 2 shows a schematic diagram of the verification process S of the mortgage-to-increasing loan in some embodiments of the present disclosure. The mortgage loan-to-increasing loan verification process S may be implemented by the mortgage-to-increasing loan system 1000 detailed in the embodiments of FIG. 1, but it is not limited thereto. The mortgage-to-increased loan verification process S includes the following steps: receiving login information and loan application from the collateral owner (step S1); verifying the collateral owner's login information (step S2); calculating the collateral owner's increase The upper limit of the loan amount (step S3); and judging whether to approve the loan increase application of the collateral owner (step S4).

In step S1, the transmission module 110 of the server 100 can receive the login information and the loan increase application. In step S2, the verification module 120 can verify the login information. The verification judgment criterion of the login information may come from the user database 130, but it is not limited to this. If the verification is not passed in the step S2, the verification module 120 can send a push notification of failed verification to the external device 300 held by the collateral owner (step S21) via the transmission module 110, and can be passed by the user Interface 310 is displayed to the owner of the collateral. If the verification is passed in step S2, step S3 is entered.

In step S3, the transmission module 110 transmits the login information and the loan increase application to the processing module 210 of the credit flow management system 200. Place The management module 210 sends a request to the internal database 220 to provide corresponding information corresponding to the aforementioned login information. Based on the corresponding information, the processing module 210 can calculate the upper limit of the loan amount that the owner of the collateral can (transfer). The corresponding information may come from the collateral owner rating data set 222, the loan enhancement control data set 224 and/or the trend data set 226, or even indirectly from the external database 400. More detailed contents about the collateral owner rating data set 222, the loan increase control data set 224, the trend data set 226, and the external data base 400 have been described previously and will not be repeated here.

After the processing module 210 calculates the upper limit of the collateral owner's (transferable) loan increase amount, the process proceeds to step S4, and the processing module 210 determines whether to approve the collateral owner's loan increase application. That is, the amount requested in the loan increase application is compared with the upper limit of the loan amount that the owner of the collateral can (transfer). If the requested amount is higher than the upper limit of the loan transfer amount, an unapproved message is sent To notify the owner of the collateral (step S41). If the requested amount is not greater than the upper limit of the (transferable) loan amount, a push notification of the approval message is sent to the collateral owner (step S42). Information about multiple benchmarks for comparison has been mentioned in previous paragraphs and will not be repeated here. The aforementioned push notification is only one notification method, and other methods (such as telephone, communication software, e-mail, etc.) can also be used to notify the owner of the collateral or not to approve or not approve the loan for the notification.

The following is an actual case based on the above embodiment. The narrative method will be relatively straightforward to facilitate understanding and concrete presentation of a practical application of the embodiments of the present disclosure.

Actual case background

The owner of the collateral, A, provided the house as a collateral in the middle of March, 103, and applied for a home purchase loan from the bank. After the bank's branch credit manager handled and handled the valuation operation, the owner of the collateral was required to set a mortgage of 1,200. Ten thousand yuan to the bank. The loan term and approved limit are 20 years and 10 million yuan respectively, and the loan amount is 10 million yuan.

The actual case of the loan increase implementation process

The owner of the collateral, A, temporarily had a small amount of capital needs on May 1, 108 (since the mid-March 103 appraisal of the Republic of China has exceeded the period for exemption from re-assessment), to the bank’s online banking (for example , Housing loan to increase loan system 1000) Apply for a home loan increase loan online, fill out the loan amount (for example, 500,000 yuan) and personal information (login information) and verify the identity. Next, the personal data and loan amount are brought into the credit management system 200 (Eloan system for short). The Eloan system automatically inquires the joint ticket letter and calculates the credit rating, which is 3 after the calculation. Since the bank has set a credit threshold of 1 to 5 in order to pass the review in advance, appropriate discounts will be given within the effective range of the mortgage rights (i.e. 12 million yuan) and the original loan limit (i.e. 10 million yuan) The percentage (for example, 80%), that is, 8 million yuan (10 million * discount percentage (80%) = 8 million yuan), can be regarded as a new approved amount.

Next, assuming that the collateral owner A currently owes a principal of 6.6 million yuan, the current principal owed is deducted (8 million yuan-the current principal owed 6.6 million yuan = 1.4 million yuan). The 1.4 million yuan is the upper limit of the amount that the collateral owner A can borrow. The foregoing review content is related to the judgment basis information provided by the collateral owner rating data set 222.

Suppose that the owner of the collateral A wants to urgently borrow 500,000 yuan for emergency. Since the loan amount falls within the upper limit of the above-mentioned increaseable loan amount below 1.4 million, the processing module 210 can determine that the collateral owner A can increase the loan amount by 500,000 yuan and the corresponding interest rate (for example, 2.55% interest rate ). The foregoing review content is related to the judgment basis information provided by the Zengzhuan Management Data Collection 224. Finally, once the branch's credit manager has completed the approval letter and other documents, it can ask the owner of the collateral A to complete the insurance procedures and appropriation online. Of course, the aforementioned approval letter can also be completed online within the scope of the mortgage-to-increasing loan system 1000, and will not be repeated here.

The foregoing actual case includes judging whether to grant (transfer) additional loans based on the judgment reference information sorted and input into the internal database 220. Examples of these factors are as follows. Factor 1: According to the regulations (rules) for the operation of housing loans by specific banks; Factor 2: Threshold for the credit rating of collateral owners; Factor 3: The range of real estate price fluctuations in various regions of the country in the past 3 years; Factor 4: Estimated future Parameters of the impact of changes in the overall economic environment on real estate (trends of real estate changes); and Factor 5: Differential interest rate pricing is formulated according to different loan targets, and not limited to this.

In more detail, the specific contents of factor 1 and/or factor 3 are as follows: according to a specific bank’s operating rules for the classification of housing guarantee loans, and taking into account the rise and fall of real estate prices in various regions of the country in the past 3 years, the collateral (Houses) Located in area A, the discount rate is 80%; in area B, the discount rate is 7.5%; and other areas are 70%. Factor 3 and/or factor 4 may be provided by trend data set 226. As for the correlation between the level of increasing loans and the rise and fall of real estate prices, Corresponding adjustments can be made due to differences in current policies or the general environment.

The specific content of factor 2 can be referred to the credit rating provided in the collateral owner rating data set 222 in this article. The specific content of factor 5 can refer to the content of the preferred occupations and occupational classifications provided by Zengzheng Management Dataset 224 in this article.

The above embodiment and actual case of the present disclosure disclose a mortgage-to-increasing loan system 1000 and a mortgage-to-increasing loan verification process S that can be executed by the mortgage-to-increasing loan system 1000. This system and process can greatly improve the procedures for grading credit and reviewing loans and guarantees, which must be completed gradually. For customers who urgently need funds, there are often shortcomings. Therefore, for the old mortgage customers (that is, the collateral owners in this article), who meet the conditions of good credit evaluation, normal performance and payment of interest, and amortization of the principal, etc., if there is a temporary need for funds, the original collateral does not need to be re-assessed. Before the price is raised, we provide customers with simplified financing methods to meet their needs.

In summary, the embodiments of the present disclosure have at least the following functions: (1) Integrate the operation process and omit the collateral reassessment procedure, reduce the workload and speed up the time for nuclear loans; (2) For the needs of small amounts of funds Old home loan customers, providing a simple and fast application channel; (3) To enhance the quality and competitiveness of financial services for holders of home loan-to-income loan systems, to provide services close to customer needs; (4) Examples of small loans (for example, The credit interest rate under 500,000 yuan) is higher than the approved interest rate for real estate loans and additional loans, which can increase the interest income of holders of the loan-to-increasing system.

Although this disclosure has been disclosed as above with examples, it is not intended to limit this disclosure. People and those skilled in this art should not deviate from the spirit and model of this disclosure. Within the scope, various changes and modifications can be made, so the scope of protection of this disclosure shall be subject to the scope defined in the attached patent application.

1000: Mortgage-to-increasing loan system

100: server

110: Transmission module

120: Verification module

130: User database

200: Credit management process management system

210: processing module

220: Internal database

222: Collateral owner rating data set

224: Increasing loan management and control data set

226: Trend data set

300: External device

310: User interface

400: external database

Claims (8)

A mortgage-to-income loan system includes: A server, including: A transmission module for receiving a login information and a loan application request sent from an external device; and A verification module connected to the transmission module for verifying the login information; A credit management process management system, including: A processing module connected to the server to determine whether to approve the request for loan increase; and An internal database, connected to the processing module, is used to provide a plurality of judgment reference information required for the judgment. The mortgage-to-increased loan system as described in claim 1, wherein the server further includes a user database for providing a user profile required by the verification module to verify the login information. The mortgage-to-increased loan system as described in claim 1, wherein the internal database includes an increased loan management and control data set that determines an interest rate based on the occupation of a collateral owner corresponding to the login information Interval, where the interest rate interval is higher than the mortgage interest rate corresponding to the collateral required by the loan increase application but lower than a pure credit interest rate, and the interest rate interval is used as one of the judgment information. The mortgage-to-increasing loan system as described in claim 1, wherein the internal database includes a trend data set, which has a basis A number of discount scores drawn by a geographical distribution, the discount scores are formulated with reference to the historical real estate price fluctuations of various regions in the geographical distribution, and the discount scores are used as one of the multiple judgment reference information Judging benchmark information. The mortgage-to-increasing loan system as described in claim 1, wherein the internal database includes a collateral owner rating data set, which is used to provide a collateral owner credit rating And the amount or proportion of the principal repaid. The mortgage-increasing loan system as described in claim 1, wherein the internal database is further connected to an external database, the external database is located outside the mortgage-increasing loan system, and the internal database is automatically updated by regular Or manually update the data received from the external database. The mortgage-to-income system of claim 1 wherein the processing module is connected to the transmission module. The mortgage-to-increased loan system as described in claim 1, wherein when the amount requested by the loan increase application is not greater than an upper limit of an increaseable loan amount obtained by the processing module based on the judgment basis information, the processing module approves The loan application requirements.

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