WO2017030324A1 - Financial support system and method for initial rent and rent increase - Google Patents

Financial support system and method for initial rent and rent increase Download PDF

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Publication number
WO2017030324A1
WO2017030324A1 PCT/KR2016/008884 KR2016008884W WO2017030324A1 WO 2017030324 A1 WO2017030324 A1 WO 2017030324A1 KR 2016008884 W KR2016008884 W KR 2016008884W WO 2017030324 A1 WO2017030324 A1 WO 2017030324A1
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real estate
rent
lease
wired
contract
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PCT/KR2016/008884
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French (fr)
Korean (ko)
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김늘
김이야
김병천
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김늘
김이야
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Priority claimed from KR1020160011314A external-priority patent/KR20170021714A/en
Application filed by 김늘, 김이야 filed Critical 김늘
Publication of WO2017030324A1 publication Critical patent/WO2017030324A1/en

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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q10/00—Administration; Management
    • G06Q10/06—Resources, workflows, human or project management; Enterprise or organisation planning; Enterprise or organisation modelling
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/42—Confirmation, e.g. check or permission by the legal debtor of payment
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00—Commerce
    • G06Q30/06—Buying, selling or leasing transactions
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/02—Banking, e.g. interest calculation or account maintenance
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q50/00—Information and communication technology [ICT] specially adapted for implementation of business processes of specific business sectors, e.g. utilities or tourism
    • G06Q50/10—Services
    • G06Q50/16—Real estate
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L9/00—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols
    • H04L9/32—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols including means for verifying the identity or authority of a user of the system or for message authentication, e.g. authorization, entity authentication, data integrity or data verification, non-repudiation, key authentication or verification of credentials

Definitions

  • the present invention relates to a financial support system and method for initial rent and rent increase, and more particularly, to a system and method for financing an initial rent and a rent increase, (Banks) to automatically lease initial rents and rent increases without additional action.
  • Banks initial rent and a rent increase
  • the landlord will make a lease contract with the tenant to specify the terms of the lease, rent, and lease on the lease.
  • the tenant pays a certain amount of the rent deposit (rent) and makes a lease contract on condition that the rent is paid.
  • the landlord will require the renter to renew his / her rent by the amount raised (for example, 5%) above the initial rent.
  • a method for raising the above resources there are a method of saving a part of first annual income and making money by using capital, a method of receiving a loan from a financial institution, and a method of paying a rent by a third increment.
  • the landlord has a problem of economic loss due to the difference in the time of transfer to the new tenant.
  • the present invention has been made in order to solve the above problems, and it is necessary to establish an efficient management system for the initial rent and rent increase, thereby allowing the landlord to maintain a stable profit structure and to provide rents to the tenant in accordance with the initial rent and rent increase
  • the present invention provides a financial support system and method for initial rent and rent increase that can relieve the anxiety of rent.
  • a financial support system for an initial rent and a rental increase rate comprising: A rental terminal or a rental terminal provided to the electronic contract system;
  • a real estate electronic contract system that integrates various processes of real estate transactions, shares public information such as real estate price information, and provides rental agreement information to a financial support server through a wired / wireless network;
  • a financial support server for analyzing information on the lease agreement and requesting a guarantee institution server to issue a guarantee for the principle payment of the principal by the wired or wireless network when the lease contract and the renewal date are approaching;
  • the principal is informed of the payment of the principal payment through the wired / wireless network from the landlord terminal and the principal guarantee payment certificate for the landlord is issued through the wired / wireless network from the server of the assurance institution and the loan for the initial rent and rent increase is transferred to the landlord's management account number Financial institution server for online remittance to account;
  • the real estate electronic contract system may include a real estate transaction contract between the seller of the real estate and the seller open broker, the buyer and the buyer, and inputs the electronic contract information for the real estate transaction at the seller's real estate agent terminal, And when the contract information is confirmed, the electronic contract is registered in the form of an electronic file.
  • the real estate electronic contract system is characterized by electronically signing the electronic contract through the seller's real estate agent terminal and the buyer's real estate agent terminal, and storing the electronically signed electronic contract in the electronic document repository.
  • time stamp information is additionally input (stamped) to the electronically signed electronic contract.
  • the real estate transaction management system (RTMS) reports the real estate transaction to the real estate electronic contract system and stores the real estate transaction in the real estate electronic contract system.
  • the financial support method for the initial rent and rent increase includes the steps of (a) receiving information related to a lease contract including an initial rental price of a real estate and a rent increase date and lease date information at a landlord terminal or a tenant terminal, Providing the system with a wired or wireless network;
  • the financial institution server notifies the tenant terminal of the remittance result of the initial rent and the rent increase for the rent increase.
  • an efficient management system for the initial rent and rent increase allows the lease contract to agree on the initial rental fee and the rent increase rate when renewing the lease contract. If the lease contract / renewal date is approaching, ) Allows the landlord to maintain a stable profit structure by eliminating the anxiety of having to pay the initial rent and rent increase to the tenant by making the automatic renting of the initial rent and rent increase without additional action. .
  • FIG. 1 is a block diagram of a financial support system for an initial rent and a rent increase according to an embodiment of the present invention
  • FIG. 2 is a flowchart illustrating a financial support method for an initial rent and a rent increase according to an embodiment of the present invention.
  • Fig. 3 is a flowchart of a task process of the real estate electronic contract system shown in Fig. 1.
  • Fig. 3 is a flowchart of a task process of the real estate electronic contract system shown in Fig. 1.
  • FIG. 1 is a block diagram of a financial support system for an initial rent and a rent increase rate according to an embodiment of the present invention
  • the financial support system for the initial rent and rent increase includes a real estate electronic contract system 210, a financial support server 220, a tenant terminal 230, a landlord terminal 240 A financial institution server 250, and a guarantee institution server 260, and are connected to each other through a wired / wireless network.
  • the real estate electronic contract system 210 is an ICT (Information and Communication Technology) -based public service that integrates all the processes of real estate transactions and electronically one-stop processing without visiting a separate institution or company by sharing public information such as price information. It is a real estate industry reorganization that the Ministry of Transportation is promoting.
  • ICT Information and Communication Technology
  • This real estate electronic contract system 210 can enhance transaction security and public convenience by jointly utilizing public domain information, can prevent wrong transaction practices such as utilization of real-time monthly information and false reporting, and can create synergy of business fusion .
  • the real estate electronic contract system 210 provides the financial support server 220 with lease contract related information including a fixed date and the like.
  • the financial support server 220 inquires and analyzes real estate information such as land and buildings stored in the registry at a wired / wireless network.
  • the financial support server 220 inquires and analyzes real estate quotes such as land and buildings provided by Kookmin Bank through a wired / wireless network and analyzes them.
  • the financial support server 220 analyzes the lease agreement including the agreement on the initial rent and the rent increase amount and the date on which the lease agreement is finalized.
  • the financial support server 220 supports issuance of a loan guarantee for the initial rent and rent increase of the guarantee institution server 260 such as the housing city guarantee construction or the corresponding agreement financial institution server 250 through the wired / wireless network.
  • the financial support server 220 analyzes the lease agreement and requests the guarantee institution server 260 to issue a guarantee for the payment of the principal's interest through the wired / wireless network when the lease renewal date (renewal date) approaches.
  • the financial support server 220 maintains and clears the interest accrued after the automatic rental based on the initial rent and the rent increase, with the revenue generated in the production and consumption center 280.
  • the guarantee institution server 260 issues a guarantee letter of the landlord payment of the landlord to the agreement financial institution server 250 at the request of the financial support server 220 and sends the initial rent and the rent increase notice to the landlord server 250 So that they can remit money.
  • the landlord may open an account with the financial institution and use the new deposit and supplementary financial services.
  • the financial institution server 250 receives the principal payment payment return from the landlord terminal 240 through the wired / wireless network and receives the principal guarantee payment certificate for the landlord from the assurance agency server 260 through the wired / wireless network to the landlord management account number
  • the rent for the initial rent and rent increase is remitted electronically, and the result of remittance of the initial rent and rent increase is notified to the tenant terminal 230.
  • the tenant will be automatically lent to the initial rent and the amount corresponding to the rent increase at the time of renewal.
  • the landlord and the tenant must agree on the deposit and rent charges for the tenant property, the lease term (for example, two years), the initial rent and the rent increase (loan), and the landlord and the tenant, And provides information on the lease agreement to the real estate electronic contract system 210 through the landlord terminal 230 or the tenant terminal 240 through the wired / wireless network.
  • FIG. 2 is a flowchart illustrating a financial support method for an initial rent and a rent increase according to an embodiment of the present invention.
  • the landlord and the tenant must agree on the deposit and rent charges for the tenant property, the lease term (for example, two years), the initial rent and the rent increase (loan), and the landlord and the tenant, And provides information on the lease agreement to the real estate electronic contract system 210 through the landlord terminal 230 or the tenant terminal 240 through the wired / wireless network at step S700.
  • the real estate electronic contract system 210 provides the lease contract related information to the financial support server 200 (S702).
  • the financial support server 220 analyzes the information of the lease agreement including the agreement on the initial rent and the rent increase amount and the date of the lease agreement settlement (S704), and when the lease renewal date (renewal date) approaches, And requests the institution server 260 to issue a certificate of guarantee of the principal's payment of the landlord (S706).
  • the assurance institution server 260 issues a letter of guarantee for the principal payment of the landlord and transmits it to the contract financial institution server 250 (S708).
  • the financial institution server 250 receives the payment of the principal payment from the landlord terminal 240 through the wired / wireless network (S710).
  • the financial institution server 250 remits the initial rent and the loan for the rent increase amount to the landlord management account number on the basis of the principal guarantee payment guarantee letter for the landlord issued by the assurance institution server 260 (S712).
  • the financial institution server 250 notifies the tenant terminal 230 of the remittance result of the initial rent and the rent increase to the rent increase fee (S714).
  • Fig. 3 is a flowchart of a task process of the real estate electronic contract system shown in Fig. 1.
  • Fig. 3 is a flowchart of a task process of the real estate electronic contract system shown in Fig. 1.
  • the seller real estate agent accesses the real estate electronic contract system 210 through the terminal, inputs the electronic contract information for the real estate transaction,
  • the certified public accountant confirms the electronic contract information inputted through the terminal and registers the electronic contract as an electronic file in PDF format (S802).
  • Each of the seller, the seller open broker, the buyer and the buyer obtains the electronic contract by first signing the electronic contract (or the public certificate) and the second personal authentication through the SMS authentication (S804).
  • the real estate electronic contract system stores the electronic signature (public certificate) information in step S804 in the electronic contract (S806).
  • the electronic document authenticating center may enter (stamp) the time stamp information in the electronic contract to confirm that the signed electronic contract is authentic (S808).
  • the time stamp is the time at which the data (electronic contract) was present at a certain point in time and the time at which the electronic contract was displayed at a specific location to prove that the contents have not been changed since that time.
  • the electronically signed (or additionally timestamped) electronic contract is stored in the electronic document repository (S810).
  • the real estate transaction management system reports the real estate transaction to the real estate electronic contract system 210, and the real estate electronic contract system stores the real estate transaction price (S820).
  • the transaction information system requests the real estate electronic contract system 210 for the fixed month date, and the real estate electronic contract system 210 forwards the fixed monthly month date (S830).
  • the seller, the seller's realtor, the buyer or the buyer can access the real estate electronic contract system 210 through the respective terminals to read and output the electronic contract, and the actual real estate transaction can confirm the report result and the result of the application have.

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Abstract

The present invention relates to a financial support system and a method thereof, the system allowing an agreement in advance with respect to an initial rental fee and a rent increase at the time of a lease contract and a renewal contract, and when a lease contract and renewal date are approaching, allowing for an automatic loan with regard to an initial rent and a rent increase through a financial institution (bank) without a separate act. A financial support system according to an embodiment of the present invention comprises: a lessor terminal or a lessee terminal for providing lease contract related information to a real estate electronic contract system via a wired or wireless network; a real estate electronic contract system for providing lease contract information to a financial support server through a wired or wireless network; a financial support server for analyzing the lease contract related information and requesting a guarantee agency server to issue a letter of guarantee for the principal and interest payment of the lessor through the wired or wireless network when the lease contract and renewal date are approaching; a guarantee agency server for issuing, to the financial institution server via the wired and wireless network, a letter of guarantee for the lessor's payment of the principal and interest at the request of the financial support server; and a financial institution server for receiving, from the lessor terminal through the wired or wireless network, assurances regarding the return of the principal and interest payment, receiving, from the guarantee agency server through the wired or wireless network, an issue of the letter of guarantee for the lessor's payment of the principal and interest and remitting loans for the initial rent and the rent increase to the lessor's account.

Description

초기 임대료 및 임대료 인상분에 대한 금융지원시스템과 그 방법Financial support system and method for initial rent and rent increase
본 발명은 초기 임대료 및 임대료 인상분에 대한 금융지원시스템과 그 방법에 관한 것으로서, 더욱 상세하게는 임대차 계약 및 재계약시 초기 임대료 및 임대료 인상분에 대해 사전에 합의하고 임대차 계약 및 재계약일이 다가오는 경우 금융기관(은행)을 통해 별도의 행위없이 초기 임대료 및 임대료 인상분에 대하여 자동 대출되게 하는 금융지원시스템 및 그 방법에 관한 것이다.The present invention relates to a financial support system and method for initial rent and rent increase, and more particularly, to a system and method for financing an initial rent and a rent increase, (Banks) to automatically lease initial rents and rent increases without additional action.
현재 대한민국 전체 주택의 약 46%가 임대 가구이고 거의 인구의 절반이 임차인으로 살아가고 있다.Currently, about 46% of all homes in Korea are rental houses and almost half of the population lives in tenants.
통상적으로 임대인이 부동산을 빌려주면 임차인과의 임대차 계약을 통해 임대 계약기간, 임대료 및 임대관련 제반사항을 임대차 계약서상에 명시를 하여 임대인과 임차인 사이의 채권, 채무관계가 성립한다.Typically, if a landlord lends a property, the landlord will make a lease contract with the tenant to specify the terms of the lease, rent, and lease on the lease.
이 중에서 임대료 사항에 대해서는 이해관계인의 손익에 관계된 가장 민감한 부분으로서 이와 관련한 민사적 분쟁이 종종 일어나고 있다.Of these, rents are the most sensitive part of the interests and interests of stakeholders and often involve civil disputes related to them.
즉, 건물주(임대인)가 일정 계약기간을 정해서 월세를 내놓으면 임차인이 일정 금액의 임대 보증금(임대료)을 납부하고 월세를 내는 조건으로 임대차 계약을 하게 된다.In other words, if the landlord determines the contract period and rents the rent, the tenant pays a certain amount of the rent deposit (rent) and makes a lease contract on condition that the rent is paid.
그리고 계약기간이 끝나 재계약이 이루어질 때 국내 주택임대보호법에 의거하여 임대인은 임차인에게 최초 계약 시 맺었던 임대료보다 인상된 금액(예를 들어 5%)으로 재계약을 요구하게 된다.When a new contract is concluded at the end of the contract period, the landlord will require the renter to renew his / her rent by the amount raised (for example, 5%) above the initial rent.
이때 임대인과 임차인 사이에 인상된 금액에 대한 금전적 갈등이 발생하게 되며, 임차인의 입장에서는 재원을 마련하여 재계약을 하거나 재계약을 포기하고 다른 곳으로 이사를 해야 한다.In this case, there will be monetary conflict between the landlord and the tenant, and the tenant must provide financial resources to renovate the apartment or to renounce the contract and move to another place.
상기 재원을 마련하기 위한 방법으로 첫째 연간 소득 중 일부를 저축하여 목돈을 만들어서 자기자본에 의해 조달하는 방법과, 둘째 금융기관으로부터 대출받는 방법과, 셋째 상승분만큼 월세를 지급하는 방법 등이 있다.As a method for raising the above resources, there are a method of saving a part of first annual income and making money by using capital, a method of receiving a loan from a financial institution, and a method of paying a rent by a third increment.
이와 같이 종래에는 임대료가 상승하면 인상분을 지급하지 못한 임차인은 주거를 이전해야 하고, 금융기관으로부터 대출받는 경우에 시간과 비용이 발생한다.Thus, in the past, when a rent is increased, a tenant who fails to pay an increase will have to relocate the house, and time and money will be incurred when borrowing money from a financial institution.
즉, 임대차 갱신 시마다 주민센터와 은행을 방문해야 하고, 인쇄비용, 서류보관비용, 업무시간비용, 교통비용과 같은 사회적 비용이 소모된다.In other words, each time a lease is renewed, it is necessary to visit the residents' center and the bank, and the social expenses such as the printing cost, document storage cost, working time cost and transportation cost are consumed.
또한, 임대인은 새로운 임차인과의 전입시점의 차이에 따른 경제적 손실이 불가피한 문제점이 있었다.In addition, the landlord has a problem of economic loss due to the difference in the time of transfer to the new tenant.
또한, 임대료 인상은 임차인들로 하여금 점점 더 많은 노동 시간을 요구하고 노동을 통해 가계 소득이 증가함에도 주거비용 부담으로 인해 저축하락과 소비성향이 하락하는 현상이 발생한다.In addition, rent increases raise demand for more and more working time for tenants, and even though household income increases through labor, there is a fall in savings and consumption tendency due to the burden of housing costs.
본 발명은 상술한 문제점을 해결하기 위하여 안출된 것으로서, 초기 임대료 및 임대료 인상분에 대한 효율적 관리체계 구축을 통해 임대인은 안정적인 수익구조를 유지할 수 있게 하고, 임차인에게는 초기 임대료 및 임대료 인상에 따른 목돈을 마련해야 하는 불안감을 해소함으로써 안정적으로 주거할 수 있도록 하는 초기 임대료 및 임대료 인상분에 대한 금융지원시스템 및 그 방법을 제공하는데 그 목적이 있다.The present invention has been made in order to solve the above problems, and it is necessary to establish an efficient management system for the initial rent and rent increase, thereby allowing the landlord to maintain a stable profit structure and to provide rents to the tenant in accordance with the initial rent and rent increase The present invention provides a financial support system and method for initial rent and rent increase that can relieve the anxiety of rent.
상술한 목적을 달성하기 위한 본 발명의 실시예에 따른 초기 임대료 및 임대료 인상분에 대한 금융지원시스템은, 부동산 초기 임대료 및 임대료 인상분과 임대차 확정일자 정보를 포함하는 임대차 계약서 관련 정보를 유무선 네트워크를 통해 부동산 전자계약시스템에 제공하는 임대인 단말이나 임차인 단말;According to another aspect of the present invention, there is provided a financial support system for an initial rent and a rental increase rate, the system comprising: A rental terminal or a rental terminal provided to the electronic contract system;
부동산거래의 제반 과정을 통합연계하고 부동산 가격정보와 같은 공공정보를 공유하며, 임대차 계약서 관련 정보를 유무선 네트워크를 통해 금융지원 서버에 제공하는 부동산 전자계약시스템;A real estate electronic contract system that integrates various processes of real estate transactions, shares public information such as real estate price information, and provides rental agreement information to a financial support server through a wired / wireless network;
상기 임대차 계약서 관련 정보를 분석하여 임대차 계약 및 재계약 일이 다가오는 경우 유무선 네트워크를 통해 보증기관 서버에 임대인의 원리금지급에 대한 보증서 발급을 요청하는 금융지원 서버;A financial support server for analyzing information on the lease agreement and requesting a guarantee institution server to issue a guarantee for the principle payment of the principal by the wired or wireless network when the lease contract and the renewal date are approaching;
상기 금융지원 서버의 요청으로 임대인의 원리금지급에 대한 보증서를 유무선 네트워크를 통해 금융기관 서버에 발급하는 보증기관 서버; 및A guarantee institution server for issuing a guarantee letter to the financial institution server via the wired / And
상기 임대인 단말로부터 유무선 네트워크를 통해 원리금지급 반환을 확약받고, 상기 보증기관 서버로부터 유무선 네트워크를 통해 임대인에 대한 원리금지급 보증서를 발급받아 임대인의 관리 계좌번호로 초기 임대료 및 임대료 인상분에 대한 대출금을 임대인의 계좌로 온라인 송금하는 금융기관 서버;The principal is informed of the payment of the principal payment through the wired / wireless network from the landlord terminal and the principal guarantee payment certificate for the landlord is issued through the wired / wireless network from the server of the assurance institution and the loan for the initial rent and rent increase is transferred to the landlord's management account number Financial institution server for online remittance to account;
를 포함하여 구성된다..
또한, 상기 임대차 계약서에 따른 부동산 임대가 이루어지는 경우 전월세 실거래가를 공시하는 전월세거래정보시스템에서 부동산 전자계약시스템에 전월세 확정일자를 신청하고, 상기 부동산 전자계약시스템에서 전월세 확정일자를 추인하는 것을 특징으로 한다.In addition, when the real estate lease according to the lease agreement is made, the date of last month's tax is applied to the real estate electronic contract system in the previous month's transaction information system, do.
또한, 상기 부동산 전자계약시스템은 부동산의 매도인 및 매도인 공개중개사와 매수인 및 매수인 공인중개사 간에 부동산 거래계약 의사가 성립되어 매도인 공인중개사 단말에서 부동산 거래에 대한 전자계약 정보를 입력하고 매수인 공인중개사 단말에서 상기 입력된 전자계약 정보를 확인하는 경우 전자계약서를 전자파일 형태로 등록하는 것을 특징으로 한다.In addition, the real estate electronic contract system may include a real estate transaction contract between the seller of the real estate and the seller open broker, the buyer and the buyer, and inputs the electronic contract information for the real estate transaction at the seller's real estate agent terminal, And when the contract information is confirmed, the electronic contract is registered in the form of an electronic file.
또한, 상기 부동산 전자계약시스템은 매도인 공인중개사 단말과 매수인 공인중개사 단말을 통해 전자계약서에 전자서명하고, 그 전자서명된 전자계약서를 전자문서 보관소에 저장하는 것을 특징으로 한다.The real estate electronic contract system is characterized by electronically signing the electronic contract through the seller's real estate agent terminal and the buyer's real estate agent terminal, and storing the electronically signed electronic contract in the electronic document repository.
또한, 상기 전자서명된 전자계약서에 타임스탬프(Time Stamp) 정보를 추가로 입력(날인)하는 것을 특징으로 한다.In addition, time stamp information is additionally input (stamped) to the electronically signed electronic contract.
그리고 상기 전자계약서에 따른 부동산 거래가 이루어지는 경우 부동산거래관리시스템(RTMS)에서 부동산 전자계약시스템에 부동산 실거래가를 신고하고, 상기 부동산 전자계약시스템에서 부동산 실거래가를 저장하는 것을 특징으로 한다.When the real estate transaction is performed according to the electronic contract, the real estate transaction management system (RTMS) reports the real estate transaction to the real estate electronic contract system and stores the real estate transaction in the real estate electronic contract system.
본 발명의 실시예에 따른 초기 임대료 및 임대료 인상분에 대한 금융지원방법은, (a) 임대인 단말이나 임차인 단말에서 부동산 초기 임대료 및 임대료 인상분과 임대차 확정일자 정보를 포함하는 임대차 계약서 관련 정보를 부동산 전자계약시스템에 유무선 네트워크를 통해 제공하는 단계;The financial support method for the initial rent and rent increase according to the embodiment of the present invention includes the steps of (a) receiving information related to a lease contract including an initial rental price of a real estate and a rent increase date and lease date information at a landlord terminal or a tenant terminal, Providing the system with a wired or wireless network;
(b) 상기 부동산 전자계약시스템에서 임대차 계약서 관련 정보를 금융지원 서버에 제공하는 단계;(b) providing lease contract related information to the financial support server in the real estate electronic contract system;
(c) 상기 금융지원 서버에서 임대차 계약서 관련 정보를 분석하여, 임대차 갱신일(재계약일)이 다가오면 유무선 네트워크를 통해 보증기관 서버에 임대인의 원리금지급에 대한 보증서 발급을 요청하는 단계;(c) analyzing the lease contract related information in the financial support server and requesting the assurance institution server to issue a guarantee for the principal payment of the landlord through the wired / wireless network when the lease renewal date (renewal date) approaches;
(d) 상기 보증기관 서버에서 임대인의 원리금지급에 대한 보증서를 발급하여 금융기관 서버에 전송하는 단계;(d) issuing a letter of guarantee for the principle payment of the landlord from the assurance institution server and transmitting it to the financial institution server;
(e) 금융기관 서버에서 임대인 단말로부터 유무선 네트워크를 통해 원리금지급 반환을 확약받고, 상기 원리금지급 보증서를 토대로 임대인 계좌로 초기 임대료 및 임대료 인상분에 대한 대출금을 온라인 송금하는 단계;(e) committing a return of the principal payment from the landlord terminal via the wired / wireless network from the terminal of the financial institution, and transferring the initial rent and the loan for the rental increase amount electronically to the landlord account based on the principal guarantee payment certificate;
를 포함하여 구성된다..
그리고 상기 (e)단계 이후에 상기 금융기관 서버에서 초기 임대료 및 임대료 인상분에 대한 대출금의 송금 결과를 임차인 단말에 통보하는 단계를 더 수행하는 것을 특징으로 한다.And (e) after the step (e), the financial institution server notifies the tenant terminal of the remittance result of the initial rent and the rent increase for the rent increase.
상술한 기술적 해결방법에 의하면, 초기 임대료 및 임대료 인상에 대한 효율적 관리체계 구축을 통해 임대차 계약 시 초기 임대료 및 재계약 시 임대료 인상분에 대해 사전에 합의하고 임대차 계약/재계약일이 다가오는 경우 협약 금융기관(은행)을 통해 별도의 행위없이 초기 임대료 및 임대료 인상분에 대하여 자동 대출되게 함으로써, 임대인은 안정적인 수익구조를 유지할 수 있고, 임차인에게는 초기 임대료 및 임대료 인상에 따른 목돈을 마련해야 하는 불안감을 해소하여 안정적인 주거환경을 제공할 수 있다.According to the technical solution described above, an efficient management system for the initial rent and rent increase allows the lease contract to agree on the initial rental fee and the rent increase rate when renewing the lease contract. If the lease contract / renewal date is approaching, ) Allows the landlord to maintain a stable profit structure by eliminating the anxiety of having to pay the initial rent and rent increase to the tenant by making the automatic renting of the initial rent and rent increase without additional action. .
도 1은 본 발명의 실시예에 따른 초기 임대료 및 임대료 인상분에 대한 금융지원시스템의 구성도이다.BRIEF DESCRIPTION OF THE DRAWINGS FIG. 1 is a block diagram of a financial support system for an initial rent and a rent increase according to an embodiment of the present invention; FIG.
도 2는 본 발명의 실시예에 따른 초기 임대료 및 임대료 인상분에 대한 금융지원방법을 나타내는 순서도이다.2 is a flowchart illustrating a financial support method for an initial rent and a rent increase according to an embodiment of the present invention.
도 3은 도 1에 나타낸 부동산 전자계약시스템의 업무 처리 흐름도이다.Fig. 3 is a flowchart of a task process of the real estate electronic contract system shown in Fig. 1. Fig.
이하 본 발명의 실시예에 대하여 첨부된 도면을 참고로 그 구성 및 작용을 설명하기로 한다.DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS Hereinafter, embodiments of the present invention will be described with reference to the accompanying drawings.
도 1은 본 발명의 실시 예에 따른 초기 임대료 및 재계약 시 임대료 인상분에 대한 금융지원시스템의 구성도이다.BRIEF DESCRIPTION OF THE DRAWINGS FIG. 1 is a block diagram of a financial support system for an initial rent and a rent increase rate according to an embodiment of the present invention; FIG.
도 1에 도시된 바와 같이 본 발명의 실시예에 따른 초기 임대료 및 임대료 인상분에 대한 금융지원시스템은 부동산 전자계약시스템(210), 금융지원 서버(220), 임차인 단말(230), 임대인 단말(240), 금융기관 서버(250) 및 보증기관 서버(260)를 포함하여 구성되고 유무선 네트워크를 통해 서로 연결된다.As shown in FIG. 1, the financial support system for the initial rent and rent increase according to the embodiment of the present invention includes a real estate electronic contract system 210, a financial support server 220, a tenant terminal 230, a landlord terminal 240 A financial institution server 250, and a guarantee institution server 260, and are connected to each other through a wired / wireless network.
부동산 전자계약시스템(210)은 부동산거래 제반 과정을 통합연계하고, 가격정보 등 공공정보를 공유함으로써 별도의 기관이나 업체 방문없이 전자적으로 원스톱 처리하는 ICT(정보통신기술) 기반의 공공서비스로서 국토교통부에서 추진하고 있는 부동산 산업 개편이다.The real estate electronic contract system 210 is an ICT (Information and Communication Technology) -based public service that integrates all the processes of real estate transactions and electronically one-stop processing without visiting a separate institution or company by sharing public information such as price information. It is a real estate industry reorganization that the Ministry of Transportation is promoting.
이 부동산 전자계약시스템(210)에 의해 공적영역 정보의 공동활용으로 거래안전과 국민편의를 제고하고, 실시간 전월세정보 활용 및 허위신고 등 잘못된 거래관행을 차단할 수 있으며 업무 융복합 시너지를 창출할 수 있다.This real estate electronic contract system 210 can enhance transaction security and public convenience by jointly utilizing public domain information, can prevent wrong transaction practices such as utilization of real-time monthly information and false reporting, and can create synergy of business fusion .
상기 부동산 전자계약시스템(210)은 확정일자 등을 포함하는 임대차 계약서관련 정보를 금융지원 서버(220)에 제공한다.The real estate electronic contract system 210 provides the financial support server 220 with lease contract related information including a fixed date and the like.
금융지원 서버(220)는 등기소에 저장된 토지나 건물과 같은 부동산 정보를 유무선 네트워크를 통해 열람 조회하고 이를 분석한다.The financial support server 220 inquires and analyzes real estate information such as land and buildings stored in the registry at a wired / wireless network.
또한, 상기 금융지원 서버(220)는 국민은행 등에서 제공하는 토지나 건물과 같은 부동산 시세를 유무선 네트워크를 통해 열람 조회하고 이를 분석한다.In addition, the financial support server 220 inquires and analyzes real estate quotes such as land and buildings provided by Kookmin Bank through a wired / wireless network and analyzes them.
또한, 상기 금융지원 서버(220)는 초기 임대료 및 임대료 인상분에 대해 합의한 내용과 임대차 계약서 확정일자를 포함하는 임대차 계약서를 분석한다.Also, the financial support server 220 analyzes the lease agreement including the agreement on the initial rent and the rent increase amount and the date on which the lease agreement is finalized.
또한, 상기 금융지원 서버(220)는 유무선 네트워크를 통해 주택도시보증공사와 같은 보증기관 서버(260)나 해당 협약 금융기관 서버(250)의 초기 임대료 및 임대료 인상분에 대한 대출보증 발급을 지원한다.In addition, the financial support server 220 supports issuance of a loan guarantee for the initial rent and rent increase of the guarantee institution server 260 such as the housing city guarantee construction or the corresponding agreement financial institution server 250 through the wired / wireless network.
즉, 상기 금융지원 서버(220)는 임대차 계약서를 분석하여 임대차 갱신일(재계약일)이 다가오면 유무선 네트워크를 통해 보증기관 서버(260)에 임대인의 원리금지급에 대한 보증서 발급을 요청한다.In other words, the financial support server 220 analyzes the lease agreement and requests the guarantee institution server 260 to issue a guarantee for the payment of the principal's interest through the wired / wireless network when the lease renewal date (renewal date) approaches.
또한, 상기 금융지원 서버(220)는 생산소비 센터(280)에서 발생하는 수익으로 초기 임대료 및 임대료 인상에 따른 자동 대출 후 발생하는 이자를 보전하고 정산한다.In addition, the financial support server 220 maintains and clears the interest accrued after the automatic rental based on the initial rent and the rent increase, with the revenue generated in the production and consumption center 280. [
보증기관 서버(260)는 상기 금융지원 서버(220)의 요청으로 임대인의 원리금지급에 대한 보증서를 협약 금융기관 서버(250)에 발급하여 상기 금융기관 서버(250)에서 임대인에게 초기 임대료 및 임대료 인상분을 믿고 송금할 수 있도록 한다.The guarantee institution server 260 issues a guarantee letter of the landlord payment of the landlord to the agreement financial institution server 250 at the request of the financial support server 220 and sends the initial rent and the rent increase notice to the landlord server 250 So that they can remit money.
상기 임대인은 해당 금융기관에 계좌를 개설하여 신규 예금 및 부가 금융 서비스를 이용할 수도 있다.The landlord may open an account with the financial institution and use the new deposit and supplementary financial services.
금융기관 서버(250)는 임대인 단말(240)로부터 유무선 네트워크를 통해 원리금지급 반환을 확약받고, 상기 보증기관 서버(260)로부터 유무선 네트워크를 통해 임대인에 대한 원리금지급 보증서를 발급받아 임대인 관리 계좌번호로 초기 임대료 및 임대료 인상분에 대한 대출금을 온라인 송금하며, 초기 임대료 및 임대료 인상분의 송금 결과를 임차인 단말(230)에 통보한다.The financial institution server 250 receives the principal payment payment return from the landlord terminal 240 through the wired / wireless network and receives the principal guarantee payment certificate for the landlord from the assurance agency server 260 through the wired / wireless network to the landlord management account number The rent for the initial rent and rent increase is remitted electronically, and the result of remittance of the initial rent and rent increase is notified to the tenant terminal 230.
이를 통해 임차인은 초기 임대료 및 재계약 시 임대료 인상분에 해당하는 금액을 자동으로 대출받게 된다.As a result, the tenant will be automatically lent to the initial rent and the amount corresponding to the rent increase at the time of renewal.
임대인과 임차인은 직접 임차부동산에 대한 보증금과 월세 비용, 임대차 계약 기간(예를 들어 2년), 초기 임대료 및 임대료 인상분(대출금)에 대해 합의하고, 임대인과 임차인이 직접 또는 공인중개사를 통해 상기 합의 내용을 포함하는 임대차 계약서를 작성하여 보관하며, 이 임대차 계약서 관련 정보를 임대인 단말(230)이나 임차인 단말(240)을 통해 부동산 전자계약시스템(210)에 유무선 네트워크를 통해 제공한다.The landlord and the tenant must agree on the deposit and rent charges for the tenant property, the lease term (for example, two years), the initial rent and the rent increase (loan), and the landlord and the tenant, And provides information on the lease agreement to the real estate electronic contract system 210 through the landlord terminal 230 or the tenant terminal 240 through the wired / wireless network.
도 2는 본 발명의 실시예에 따른 초기 임대료 및 임대료 인상분에 대한 금융지원방법을 나타내는 순서도이다.2 is a flowchart illustrating a financial support method for an initial rent and a rent increase according to an embodiment of the present invention.
임대인과 임차인은 직접 임차부동산에 대한 보증금과 월세 비용, 임대차 계약 기간(예를 들어 2년), 초기 임대료 및 임대료 인상분(대출금)에 대해 합의하고, 임대인과 임차인이 직접 또는 공인중개사를 통해 상기 합의 내용을 포함하는 임대차 계약서를 작성하여 보관하며, 이 임대차 계약서 관련 정보를 임대인 단말(230)이나 임차인 단말(240)을 통해 부동산 전자계약시스템(210)에 유무선 네트워크를 통해 제공한다(S700).The landlord and the tenant must agree on the deposit and rent charges for the tenant property, the lease term (for example, two years), the initial rent and the rent increase (loan), and the landlord and the tenant, And provides information on the lease agreement to the real estate electronic contract system 210 through the landlord terminal 230 or the tenant terminal 240 through the wired / wireless network at step S700.
부동산 전자계약시스템(210)은 이 임대차 계약서 관련 정보를 금융지원 서버(200)에 제공한다(S702).The real estate electronic contract system 210 provides the lease contract related information to the financial support server 200 (S702).
상기 금융지원 서버(220)는 초기 임대료 및 임대료 인상분에 대해 합의한 내용과 임대차 계약서 확정일자를 포함하는 임대차 계약서의 정보를 분석하여(S704), 임대차 갱신일(재계약일)이 다가오면 유무선 네트워크를 통해 보증기관 서버(260)에 임대인의 원리금지급에 대한 보증서 발급을 요청한다(S706).The financial support server 220 analyzes the information of the lease agreement including the agreement on the initial rent and the rent increase amount and the date of the lease agreement settlement (S704), and when the lease renewal date (renewal date) approaches, And requests the institution server 260 to issue a certificate of guarantee of the principal's payment of the landlord (S706).
상기 보증기관 서버(260)는 임대인의 원리금지급에 대한 보증서를 발급하여 협약 금융기관 서버(250)에 전송한다(S708).The assurance institution server 260 issues a letter of guarantee for the principal payment of the landlord and transmits it to the contract financial institution server 250 (S708).
금융기관 서버(250)는 임대인 단말(240)로부터 유무선 네트워크를 통해 원리금지급 반환을 확약받는다(S710).The financial institution server 250 receives the payment of the principal payment from the landlord terminal 240 through the wired / wireless network (S710).
다음 상기 금융기관 서버(250)는 보증기관 서버(260)에서 발급한 임대인에 대한 원리금지급 보증서를 토대로 임대인 관리 계좌번호로 초기 임대료 및 임대료 인상분에 대한 대출금을 온라인 송금한다(S712).Next, the financial institution server 250 remits the initial rent and the loan for the rent increase amount to the landlord management account number on the basis of the principal guarantee payment guarantee letter for the landlord issued by the assurance institution server 260 (S712).
그리고 상기 금융기관 서버(250)는 초기 임대료 및 임대료 인상분에 대한 대출금의 송금 결과를 임차인 단말(230)에 통보한다(S714).Then, the financial institution server 250 notifies the tenant terminal 230 of the remittance result of the initial rent and the rent increase to the rent increase fee (S714).
도 3은 도 1에 나타낸 부동산 전자계약시스템의 업무 처리 흐름도이다.Fig. 3 is a flowchart of a task process of the real estate electronic contract system shown in Fig. 1. Fig.
매도인 및 매도인 공개중개사와 매수인 및 매수인 공인중개사 간에 부동산 거래계약 의사가 성립되면(S800), 매도인 공인중개사는 단말을 통해 부동산 전자계약시스템(210)에 접속하여 부동산 거래에 대한 전자계약 정보를 입력하고 상기 매수인 공인중개사는 단말을 통해 입력된 전자계약 정보를 확인하여 전자계약서를 PDF 형태의 전자파일로 등록한다(S802).When the seller intends to sign a real estate transaction contract between the seller and seller public seller, the buyer and the buyer's real estate agent (S800), the seller real estate agent accesses the real estate electronic contract system 210 through the terminal, inputs the electronic contract information for the real estate transaction, The certified public accountant confirms the electronic contract information inputted through the terminal and registers the electronic contract as an electronic file in PDF format (S802).
매도인, 매도인공개중개사, 매수인과 매수인 공인중개사 각각은 전자계약서에 전자적 서명(또는 공인인증서)를 통해 1차 서명하고 SMS 인증을 통해 2차 본인 인증을 수행한다(S804).Each of the seller, the seller open broker, the buyer and the buyer obtains the electronic contract by first signing the electronic contract (or the public certificate) and the second personal authentication through the SMS authentication (S804).
상기 부동산 전자계약시스템은 상기 전자계약서에 S804단계에서의 전자서명(공인인증서) 정보를 저장한다(S806).The real estate electronic contract system stores the electronic signature (public certificate) information in step S804 in the electronic contract (S806).
여기에 추가적으로 전자문서 진본확인센터에서 상기 서명된 전자계약서가 진본임을 확인하기 위해 전자계약서에 타임스탬프(Time Stamp) 정보를 입력(날인)할 수도 있다(S808).In addition, the electronic document authenticating center may enter (stamp) the time stamp information in the electronic contract to confirm that the signed electronic contract is authentic (S808).
상기 타임스탬프는 어느 시점에 데이터(전자계약서)가 존재했다는 사실과 그 시간 이후 내용이 변경되지 않았음을 증명하기 위하여 전자계약서의 특정 위치에 표시하는 시각이다.The time stamp is the time at which the data (electronic contract) was present at a certain point in time and the time at which the electronic contract was displayed at a specific location to prove that the contents have not been changed since that time.
이와 같이 전자서명된(또는 추가적으로 타임스탬프가 날인된) 전자계약서는 전자문서 보관소에 저장된다(S810).The electronically signed (or additionally timestamped) electronic contract is stored in the electronic document repository (S810).
한편, 상기 S806단계 이후에 전자계약서에 따른 부동산 거래가 이루어지면 부동산거래관리시스템(RTMS)은 부동산 전자계약시스템(210)에 부동산 실거래가를 신고하고, 상기 부동산 전자계약시스템은 부동산 실거래가를 저장한다(S820).On the other hand, if the real estate transaction according to the electronic contract is made after step S806, the real estate transaction management system (RTMS) reports the real estate transaction to the real estate electronic contract system 210, and the real estate electronic contract system stores the real estate transaction price (S820).
또한, 매수인이 임대인이 되어 임차인 간과의 임대차 계약/재계약 시 최초 임대료 및 임대료 인상분에 대해 합의가 이루어지고 이를 포함하는 임대차 계약서를 작성하며 그에 따른 부동산 임대가 이루어지는 경우 전세, 월세 실거래가를 공시하는 전월세거래정보시스템은 부동산 전자계약시스템(210)에 전월세 확정일자를 신청하고, 부동산 전자계약시스템(210)은 전월세 확정일자를 추인한다(S830).In addition, if the buyer becomes a lessor and an agreement is reached on the initial rent and the rent increase when the lease contract / renewal of the lease with the lessee is made, and the lease contract including the rental agreement is made, The transaction information system requests the real estate electronic contract system 210 for the fixed month date, and the real estate electronic contract system 210 forwards the fixed monthly month date (S830).
이후 매도인, 매도인 공인중개사, 매수인 또는 매수인 공인중개사는 각각의 단말을 통해 부동산 전자계약시스템(210)에 접속하여 전자계약서를 열람 및 출력할 수 있고, 부동산 실거래가 신고 결과 및 전월세 확정일자 신청 결과를 확인할 수 있다.Thereafter, the seller, the seller's realtor, the buyer or the buyer can access the real estate electronic contract system 210 through the respective terminals to read and output the electronic contract, and the actual real estate transaction can confirm the report result and the result of the application have.

Claims (8)

  1. 부동산 초기 임대료 및 임대료 인상분과 임대차 확정일자 정보를 포함하는 임대차 계약서 관련 정보를 유무선 네트워크를 통해 부동산 전자계약시스템에 제공하는 임대인 단말이나 임차인 단말;A landlord terminal or a tenant terminal that provides lease contract information including an initial lease of real estate and lease increase information and a lease confirmation date information to a real estate electronic contract system through a wired / wireless network;
    부동산거래의 제반 과정을 통합연계하고 부동산 가격정보와 같은 공공정보를 공유하며, 임대차 계약서 관련 정보를 유무선 네트워크를 통해 금융지원 서버에 제공하는 부동산 전자계약시스템;A real estate electronic contract system that integrates various processes of real estate transactions, shares public information such as real estate price information, and provides rental agreement information to a financial support server through a wired / wireless network;
    상기 임대차 계약서 관련 정보를 분석하여 임대차 계약 및 재계약 일이 다가오는 경우 유무선 네트워크를 통해 보증기관 서버에 임대인의 원리금지급에 대한 보증서 발급을 요청하는 금융지원 서버;A financial support server for analyzing information on the lease agreement and requesting a guarantee institution server to issue a guarantee for the principle payment of the principal by the wired or wireless network when the lease contract and the renewal date are approaching;
    상기 금융지원 서버의 요청으로 임대인의 원리금지급에 대한 보증서를 유무선 네트워크를 통해 금융기관 서버에 발급하는 보증기관 서버; 및A guarantee institution server for issuing a guarantee letter to the financial institution server via the wired / And
    상기 임대인 단말로부터 유무선 네트워크를 통해 원리금지급 반환을 확약받고, 상기 보증기관 서버로부터 유무선 네트워크를 통해 임대인에 대한 원리금지급 보증서를 발급받아 임대인의 관리 계좌번호로 초기 임대료 및 임대료 인상분에 대한 대출금을 임대인의 계좌로 온라인 송금하는 금융기관 서버;The principal is informed of the payment of the principal payment through the wired / wireless network from the landlord terminal and the principal guarantee payment certificate for the landlord is issued through the wired / wireless network from the server of the assurance institution and the loan for the initial rent and rent increase is transferred to the landlord's management account number Financial institution server for online remittance to account;
    를 포함하는 초기 임대료 및 임대료 인상분에 대한 금융지원시스템.The financial support system for initial rents and rent increases including.
  2. 제1항에 있어서,The method according to claim 1,
    상기 임대차 계약서에 따른 부동산 임대가 이루어지는 경우 전월세 실거래가를 공시하는 전월세거래정보시스템에서 부동산 전자계약시스템에 전월세 확정일자를 신청하고, 상기 부동산 전자계약시스템에서 전월세 확정일자를 추인하는 것을 특징으로 하는 초기 임대료 및 임대료 인상분에 대한 금융지원시스템.When the real estate lease according to the lease agreement is made, the date of the last month's tax is applied to the real estate electronic contract system in the previous month's transaction information system, in which the real month's actual transaction amount is announced, Financial support system for rent and rent increase.
  3. 제1항에 있어서,The method according to claim 1,
    상기 부동산 전자계약시스템은 부동산의 매도인 및 매도인 공개중개사와 매수인 및 매수인 공인중개사 간에 부동산 거래계약 의사가 성립되어 매도인 공인중개사 단말에서 부동산 거래에 대한 전자계약 정보를 입력하고 매수인 공인중개사 단말에서 상기 입력된 전자계약 정보를 확인하는 경우 전자계약서를 전자파일 형태로 등록하는 것을 특징으로 하는 초기 임대료 및 임대료 인상분에 대한 금융지원시스템.The real estate electronic contract system is a system in which a real estate transaction contract is established between a real estate seller and a seller open broker, a buyer and a buyer's real estate agent, the electronic contract information for the real estate transaction is inputted from the seller's real estate agent terminal, , The electronic contract is registered in the form of an electronic file, and the financial support system for the initial rental fee and the rental fee increase.
  4. 제3항에 있어서,The method of claim 3,
    상기 부동산 전자계약시스템은 매도인 공인중개사 단말과 매수인 공인중개사 단말을 통해 전자계약서에 전자서명하고, 그 전자서명된 전자계약서를 전자문서 보관소에 저장하는 것을 특징으로 하는 초기 임대료 및 임대료 인상분에 대한 금융지원시스템.Wherein the real estate electronic contract system digitally signs an electronic contract through a seller's real estate agent terminal and a buyer's real estate agent terminal and stores the electronically signed electronic contract in an electronic document repository.
  5. 제4항에 있어서,5. The method of claim 4,
    상기 전자서명된 전자계약서에 타임스탬프(Time Stamp) 정보를 추가로 입력(날인)하는 것을 특징으로 하는 초기 임대료 및 임대료 인상분에 대한 금융지원시스템.And the time stamp information is further input (stamped) to the electronic signature electronic contract.
  6. 제3항에 있어서,The method of claim 3,
    상기 전자계약서에 따른 부동산 거래가 이루어지는 경우 부동산거래관리시스템(RTMS)에서 부동산 전자계약시스템에 부동산 실거래가를 신고하고, 상기 부동산 전자계약시스템에서 부동산 실거래가를 저장하는 것을 특징으로 하는 초기 임대료 및 임대료 인상분에 대한 금융지원시스템.Wherein the real estate transaction system (RTMS) reports the real estate transaction to the real estate electronic contract system when the real estate transaction is performed according to the electronic contract and stores the real estate transaction amount in the real estate electronic contract system, Financial support system for.
  7. (a) 임대인 단말이나 임차인 단말에서 부동산 초기 임대료 및 임대료 인상분과 임대차 확정일자 정보를 포함하는 임대차 계약서 관련 정보를 부동산 전자계약시스템에 유무선 네트워크를 통해 제공하는 단계;(a) providing information on a lease contract including lease initial rent, rent increase rate and lease confirmation date information to a real estate electronic contract system through a wired / wireless network in a landlord terminal or a tenant terminal;
    (b) 상기 부동산 전자계약시스템에서 임대차 계약서 관련 정보를 금융지원 서버에 제공하는 단계;(b) providing lease contract related information to the financial support server in the real estate electronic contract system;
    (c) 상기 금융지원 서버에서 임대차 계약서 관련 정보를 분석하여, 임대차 갱신일(재계약일)이 다가오면 유무선 네트워크를 통해 보증기관 서버에 임대인의 원리금지급에 대한 보증서 발급을 요청하는 단계;(c) analyzing the lease contract related information in the financial support server and requesting the assurance institution server to issue a guarantee for the principal payment of the landlord through the wired / wireless network when the lease renewal date (renewal date) approaches;
    (d) 상기 보증기관 서버에서 임대인의 원리금지급에 대한 보증서를 발급하여 금융기관 서버에 전송하는 단계;(d) issuing a letter of guarantee for the principle payment of the landlord from the assurance institution server and transmitting it to the financial institution server;
    (e) 금융기관 서버에서 임대인 단말로부터 유무선 네트워크를 통해 원리금지급 반환을 확약받고, 상기 원리금지급 보증서를 토대로 임대인 계좌로 초기 임대료 및 임대료 인상분에 대한 대출금을 온라인 송금하는 단계;(e) committing a return of the principal payment from the landlord terminal via the wired / wireless network from the terminal of the financial institution, and transferring the initial rent and the loan for the rental increase amount electronically to the landlord account based on the principal guarantee payment certificate;
    를 포함하는 초기 임대료 및 임대료 인상분에 대한 금융지원방법.The method of financing the initial rent and the rent increase.
  8. 제7항에 있어서,8. The method of claim 7,
    상기 (e)단계 이후에 상기 금융기관 서버에서 초기 임대료 및 임대료 인상분에 대한 대출금의 송금 결과를 임차인 단말에 통보하는 단계를 더 수행하는 것을 특징으로 하는 초기 임대료 및 임대료 인상분에 대한 금융지원방법.Further comprising the step of notifying the tenant terminal of the remittance result of the loan for the initial rent and the rent increase in the financial institution server after the step (e).
PCT/KR2016/008884 2015-08-18 2016-08-12 Financial support system and method for initial rent and rent increase WO2017030324A1 (en)

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KR20150116200 2015-08-18
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KR1020160011314A KR20170021714A (en) 2015-08-18 2016-01-29 Financial support system for initial rental fee and rental fee increase and method thereof
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KR100917036B1 (en) * 2006-04-12 2009-09-10 에스팀 (주) System and Method for Electronic Transaction of Real Estate
KR101106179B1 (en) * 2010-12-10 2012-01-20 주식회사 누토홀딩스 Loan system of rental fee increase and method thereof
KR20130046027A (en) * 2011-10-27 2013-05-07 주식회사 우리은행 Banking system having a house reforming capital loan function and controlling method therefore
KR101261226B1 (en) * 2012-10-11 2013-05-07 김병천 Charter and rental for ordinary resisential stability for way to manage deposit

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KR100917036B1 (en) * 2006-04-12 2009-09-10 에스팀 (주) System and Method for Electronic Transaction of Real Estate
KR20090037677A (en) * 2007-10-12 2009-04-16 주식회사 하나은행 Method for providing electronic document relay service
KR101106179B1 (en) * 2010-12-10 2012-01-20 주식회사 누토홀딩스 Loan system of rental fee increase and method thereof
KR20130046027A (en) * 2011-10-27 2013-05-07 주식회사 우리은행 Banking system having a house reforming capital loan function and controlling method therefore
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