WO2018080263A1 - Method and server for providing variable monthly rent service for lessor - Google Patents

Method and server for providing variable monthly rent service for lessor Download PDF

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Publication number
WO2018080263A1
WO2018080263A1 PCT/KR2017/012097 KR2017012097W WO2018080263A1 WO 2018080263 A1 WO2018080263 A1 WO 2018080263A1 KR 2017012097 W KR2017012097 W KR 2017012097W WO 2018080263 A1 WO2018080263 A1 WO 2018080263A1
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WIPO (PCT)
Prior art keywords
lease
rent
amount
deposit
landlord
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PCT/KR2017/012097
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French (fr)
Korean (ko)
Inventor
공승배
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공승배
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Application filed by 공승배 filed Critical 공승배
Publication of WO2018080263A1 publication Critical patent/WO2018080263A1/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
    • 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
    • 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
    • G06Q30/0601—Electronic shopping [e-shopping]
    • G06Q30/0613—Third-party assisted
    • G06Q30/0619—Neutral agent
    • 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
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04W—WIRELESS COMMUNICATION NETWORKS
    • H04W4/00—Services specially adapted for wireless communication networks; Facilities therefor
    • H04W4/12—Messaging; Mailboxes; Announcements

Definitions

  • the present invention relates to a method and a server for providing a variable renter's rent service, and more particularly, by providing a variable renter's service by which a renter can freely change the rent deposit amount and the rent rent amount. It relates to a method and server that can improve the convenience of financing.
  • the landlord needs to coordinate with the tenant who signed the lease in order to raise the money by increasing the lease deposit when it needs to raise funds. Even if the government wants to pay the loans, it is inconvenient to obtain a loan through the principle payment method according to the current regulations.
  • the present invention is to solve the above-mentioned problems of the prior art, it is an object of the lease management to enable the landlord to freely change the terms of the lease, during the lease, the purpose of improving the landlord's money management efficiency.
  • the lease management server server provides a variable rent service to the landlord, (a) after the lease contract, during the lease contract, received from the landlord terminal In response to a request for a change in lease deposit, changing a first lease deposit amount determined in the lease into a second lease deposit amount desired by the landlord; (b) calculating a difference between the first rental deposit amount and the second rental deposit amount; And (c) changing the first rent rent amount corresponding to the first rent deposit amount to a second rent rent amount corresponding to the second rent deposit amount.
  • step (b) when the request for changing the lease deposit is a request to increase the amount of the first lease deposit, the bank server processes the bank server to pay the difference of the amount deposited in the management account to the landlord's account, If the lease deposit change request is a request to reduce the amount of the first lease deposit may include the step of processing the landlord to pay the difference to the management account.
  • the second rent rent amount is the first rent rent amount according to the lease deposit increase rate, which is a conversion rate between the rent deposit and the rent rent, which is applied when the first rent deposit amount is increased to the second rent deposit amount.
  • the first rent amount is increased according to the rent guarantee deposit reduction rate, which is the conversion rate between the lease deposit and the rent rent. Can be formulated.
  • the lease security deposit conversion rate may be set higher than the lease security deposit reduction rate.
  • the bank server may process to pay the second rent amount among the amounts deposited in the management account every month on the account of the landlord.
  • the lease management server for providing a variable rent service to the landlord, after changing the lease contract, the lease deposit change request received from the landlord terminal during the lease contract period
  • the lease amount of the first lease deposit prescribed in the lease is changed to the second lease deposit amount desired by the landlord, and the lease is settles the difference between the first lease deposit amount and the second lease deposit amount.
  • Deposit management department And a rent rent management unit for changing a first rent rent amount corresponding to the first rent deposit amount to a second rent rent amount corresponding to the second rent deposit amount.
  • the lease deposit management unit processes the bank server to pay the difference of the amount deposited in the management account to the landlord's account;
  • the rent deposit change request is a request to reduce the first rent deposit amount, the landlord may process the landlord to pay the difference to the management account.
  • the second rent rent amount is the first rent rent amount according to the lease deposit increase rate, which is a conversion rate between the rent deposit and the rent rent, which is applied when the first rent deposit amount is increased to the second rent deposit amount.
  • the first rent amount is increased according to the rent guarantee deposit reduction rate, which is the conversion rate between the lease deposit and the rent rent. Can be formulated.
  • the lease security deposit conversion rate may be set higher than the lease security deposit reduction rate.
  • the rent rent management unit may process a bank server to pay the second rent rent amount of money deposited in a management account at a predetermined date every month to the landlord's account.
  • the lease management company can improve the landlord's money management efficiency by allowing the landlord to freely change the lease contract conditions during the lease contract period.
  • the landlord freely adjusts the lease agreement conditions, by making the lease deposit fluidized, it is possible to increase the convenience of the landlord for financing.
  • FIG. 1 is a block diagram of a variable rent service providing system according to an embodiment of the present invention.
  • FIG. 2 is a diagram showing the configuration of a lease management server according to an embodiment of the present invention.
  • FIG. 3 is a diagram illustrating a variable rent service providing process for a landlord according to an embodiment of the present invention.
  • FIG. 4 is a diagram illustrating a process of signing a lease agreement between a landlord, a tenant and a lease management company according to the first embodiment of the present invention.
  • FIG. 5 is a diagram illustrating a process of changing a lease contract condition of the landlord according to the first embodiment of the present invention.
  • FIG. 6 is a diagram illustrating a process of changing a tenancy contract condition of a tenant according to the first embodiment of the present invention.
  • FIG. 7 is a diagram illustrating a lease contract conclusion process between a landlord, a tenant and a lease management company according to a second embodiment of the present invention.
  • FIG. 8 is a view showing a profit generation structure according to the conversion rate difference between the rent amount and the rent amount of the renter and tenant according to an embodiment of the present invention.
  • FIG. 1 is a block diagram of a variable rent service providing system according to an embodiment of the present invention.
  • a variable rent service providing system includes one or more tenant terminals 100, one or more tenant terminals 200, a lease manager server 300, and a bank server 400. It may include.
  • a communication network can be configured without regard to its communication aspects such as wired and wireless.
  • Local area network LAN
  • metropolitan area network MAN: Metropolitan Area Network
  • a wide area network WAN
  • the variable rent service providing system may be implemented by a wireless communication technology such as Wi-Fi.
  • the tenant terminal 100 and the tenant terminal 200 are a lease management server 300 and a bank server 400 through a network such as a mobile phone, a smartphone, a personal digital assistant (PDA), a portable multimedia player (PMP), a tablet PC, and the like.
  • PDA personal digital assistant
  • PMP portable multimedia player
  • a tablet PC and the like.
  • Can be connected to an external server and can include any type of handheld based wireless communication device, as well as a network such as IPTV including desktop PCs, tablet PCs, laptop PCs, and set-top boxes. It may also include a communication device that can be connected to an external server, such as the lease management server 300 and the bank server 400 through.
  • the tenant terminal 100 and the tenant terminal 200 may request a variable rent service web page provided from a web server (not shown) by executing a web browser.
  • the request of the web page may be made by various methods such as inputting an address of a web page, selecting a link in a specific web page, and requesting a search in a web page providing a search service.
  • the renter terminal 100 and the tenant terminal 200 may be installed with a variable rent service application that provides a variable rent service to the lessor and the lessee.
  • the application management server (not shown) may provide an application store for distributing various applications.
  • the service provider providing the variable rent service registers the variable rent service application in the application store
  • the renter terminal 100 And the tenant terminal 200 may download the variable rent service application registered in the application store and install it in the memory.
  • variable rent service application is a program module that can communicate with an external server and an external device, and the tenant terminal 100 and the tenant terminal 200 or another device capable of communicating therewith in the form of an operating system, an application module, and other program modules. And may be physically stored on various known storage devices.
  • program modules include, but are not limited to, routines, subroutines, programs, objects, components, data structures, etc. that perform particular tasks or execute particular abstract data types, described below, in accordance with the present invention.
  • the lessor and the lessee may be registered as a member of the lease management server 300 through the lessee terminal 100 and the lessee terminal 200, and thus may be variable from the lease management server 300. You may be offered a rent service.
  • the lease manager server 300 may be a server operated by a lease manager that provides a variable rent rent service to the lessor and the lessee.
  • the leasing management server 300 may receive a lease request signal of a landlord who has not entered into a lease, that is, not in a lease transaction, through the landlord terminal 100. In other words, it is possible to receive a lease request signal of the real estate that is not being rented.
  • the lease management server 300 may receive a lease contract request signal of a landlord who has previously concluded a lease, that is, a lease transaction, through the landlord terminal 100. In other words, it is possible to receive a rental contract request signal of the real estate being rented.
  • the lease request may include information of the real estate that the landlord wishes to rent (hereinafter referred to as lease information). For example, address information, area information, structure information, facility information, and existing lease of the real estate. May include more than one day.
  • the lease management server 300 may set the reference rent price, which is a charter value of the corresponding real estate, by evaluating the value of the desired real estate on the basis of the lease desired real estate information.
  • the lease request is a lease deposit (hereinafter, the desired lease deposit) amount information and lease rent (hereinafter rent lease) amount information of the desired rented property that the landlord wants to set as the terms of the lease agreement with the lease management company; It may also include.
  • the desired rent deposit amount and the desired rent amount of the landlord may be different from the desired rent deposit amount and the desired rent amount of the tenant who intends to rent the desired rental property later.
  • the lease management server 300 refers to the predetermined procurement rate and the reference rental price of the desired real estate, and whether the desired lease deposit amount and the desired rent rent amount of the landlord are suitable to conclude the lease contract. Can be determined.
  • the procurement rate is a target rate set by the lease manager to ensure the profit of the lease manager, and the rent amount to be paid to the landlord for the lease deposit received by the tenant later. It may be a proportion.
  • the rental management server 300 negotiates the desired lease deposit amount and the desired rent rent amount with the landlord terminal 100 to negotiate Of course you can.
  • the leasing management server 300 sets the desired lease deposit amount and the desired rent amount, which are determined to be appropriate, as an initial lease deposit amount and an initial lease rent amount, which are the lease deposit amount and the rent rent amount at the time of the conclusion of the corresponding rental contract. Then, the lease can be completed and processed.
  • the landlord who wants to start the lease can lease the real estate under his or her desired lease condition, and the landlord in the lease transaction can freely change the completed lease contract condition to his or her desired lease condition.
  • the lease management company when the lease management server 300 concludes a lease with the landlord, the lease management company guarantees to pay the lease deposit to the landlord according to the lease agreement. You can also join.
  • the bank server 400 causes the initial lease deposit amount and the initial rent rent amount corresponding to the lease agreement from the management account of the lease manager. The payment can be made to the landlord's account.
  • the lease management server 300 may receive a lease deposit change request for increasing or decreasing the lease deposit amount corresponding to the lease contract from the tenant terminal 100 during the lease contract with the landlord.
  • the lease deposit amount specified in the lease may be changed.
  • the lease manager server 300 receives the lease deposit change request to increase the lease deposit amount, the bank server 400 to increase the lease deposit amount as much as the increase from the management account of the lease manager lease It can be processed to pay to the account of, which has the advantage that the landlord can easily raise the necessary funds.
  • the lease manager server 300 changes the lease deposit according to the request for the change of the lease deposit of the landlord, and then by applying the conversion rate between the lease deposit and the rent rent set by the lease management company the rent lease (
  • the rent rent hereinafter referred to as variable rent rent
  • variable rent rent The rent rent (hereinafter referred to as variable rent rent) corresponding to the variable rent guarantee amount may also be set.
  • the lease manager server 300 may set a lease fee, which is a transaction fee for a lease with the landlord, thereby processing the landlord to pay the lease fee to a management account of the lease manager. It may be.
  • the lease management server 300 may receive, through the tenant terminal 200, a tenancy contract request signal of a tenant who has not previously concluded a lease, that is, is not in a lease transaction.
  • the lease management server 300 may receive a lease contract request signal of a tenant who has previously concluded a lease, that is, a lease transaction, through the tenant terminal 200.
  • the lease request is information on real estate that the tenant wishes to rent.
  • the lease management server 300 may include information on the real estate for which the standard lease price is set in the process of completing the lease agreement with the landlord in advance. It may also include information on the property the tenant is currently renting and information on the existing tenancy agreement therefor.
  • the lease request includes information on the amount of lease deposit (hereinafter referred to as initial lease) and information on lease rent (hereinafter referred to as initial rent) to the tenant who wishes to set the terms of the lease with the lease management company. You may.
  • the initial lease deposit amount and the initial rent amount are based on the standard lease price of the property, and the rent rent rate is pre-set by the rental management company, when the lease agreement with the tenant, That is, it may be calculated according to the tenant's initiation conversion rate, which is the conversion rate between the lease deposit and rent rent applied at the start of tenancy.
  • the lease management server 300 may determine the initial lease deposit amount and the initial rent amount as the lease deposit amount and the rent rent amount at the time of the lease contract conclusion, and may conclude and complete the corresponding lease contract.
  • a tenant who wants to lease a particular real estate can lease the real estate under his or her desired lease condition, and the tenant who is in the lease transaction can freely change the completed lease terms and conditions to his or her desired tenancy condition.
  • the lease management company guarantees to return the lease deposit to the tenant in accordance with the lease You can also join.
  • the lease management server 300 concludes the lease with the tenant, the tenant to pay the initial lease deposit amount and the initial rent amount corresponding to the lease agreement to the management account of the lease manager can do.
  • the lease management server 300 may receive a change request from the tenant terminal 200 to increase or decrease the amount of the security deposit corresponding to the tenancy contract during the tenancy of the tenant, and thus, the tenant.
  • the amount of the security deposit established in the lease agreement may be changed.
  • the bank server 400 receives the lease deposit amount as much as the reduced amount from the management account of the lease management company. It can be processed to pay to the account of, which has the advantage that the tenant can easily raise the necessary funds.
  • the lease management server 300 changes the lease deposit according to the tenant's request to change the lease deposit, after applying the conversion rate between the lease deposit and the rent rent preset by the lease management lease deposit (
  • the rent amount hereinafter referred to as variable rent
  • the rent amount corresponding to the variable lease deposit amount may also be set.
  • the lease management server 300 may set a lease fee, which is a transaction fee for a tenancy agreement with the tenant, thereby processing the tenant to pay the lease fee to a management account of the lease manager. It may be.
  • the lease management server 300 may conclude a credit reinforcement agreement with a credit reinforcement institution through a credit reinforcement institution server (not shown) in advance, and accordingly, the balance deposited in the management account is described above. If the rent is less than the amount for paying rent and returning the deposit amount, it may be supplemented by the financing agency.
  • the lease management server 300 may select at least one fund management company that provides a financial product that can operate the funds deposited in the above-described guarantee product or the management account of the lease management company. have.
  • a bank operating the bank server 400 of the present invention is selected as a fund management company to be dealt with is described, but is not limited thereto, and a separate company such as a guarantee company, a securities company, a fund manager, etc. Fund managers can also be selected for trading.
  • the lease manager server 300 may request a subscription corresponding to one or more of the guarantee products and financial products provided by the bank. By transmitting to the bank server 400, it is possible to subscribe to the guarantee product and the financial product.
  • the rental management server 300 may receive from the bank server 400 one or more of the warranty information according to the warranty product subscription and the operation status information of the funds entrusted to the bank in accordance with the financial product subscription. It may be.
  • the lease management server 300 is a lease terminal 100 and the tenant terminal using the guarantee information and money management status information received from the bank server 400 as a credit model of the lease management company ( 200).
  • the bank server 400 may open one or more of a management account which is a tenant's account, a tenant's account, and an account of a lease manager in which funds of variable rent service are deposited. It may be a server operated by a running bank.
  • the bank server 400 pays a predetermined amount of the amount deposited in the management account to the landlord's account and the tenant's account, or the landlord's account and the tenant at the request of the lease management server 300.
  • a certain amount of money may be received from the account and deposited in the management account.
  • the bank server 400 corresponds to the net inflow of cash, such as the amount of deposits received from the lessee lease deposit received from the tenant, excluding the amount of lease deposit paid to the landlord. A certain percentage of the amount may be processed to be mandatory in the management account.
  • the bank server 400 transmits one or more information of the guarantee product and the financial product provided by the bank to the rental management server 300, and the subscription management server 300 for this subscription request Can be received from and processed.
  • the bank server 400 may transmit information related to the guarantee product and the financial product subscribed to the lease management company to the lease management server 300.
  • FIG. 2 is a diagram showing the configuration of the lease management server 300 according to an embodiment of the present invention.
  • the lease manager server 300 may include a database 310, a landlord manager 320, a tenant manager 330, a money manager 340, a controller 350, and the like.
  • the communication unit 360 may include.
  • the database 310 includes information related to the landlord using the variable monthly rent service of the present invention, information related to the tenant, and information related to the rental real estate that the lease management server 300 can rent from the landlord to the tenant. Can save more than days.
  • the landlord information may include at least one of name information, contact information, address information, account information, and lease contract information to be concluded through the landlord management unit 320.
  • the tenant information may include one or more of the tenant's name information, contact information, address information, account information and lease contract information to be concluded later through the tenant management unit 330.
  • the rental real estate information may include at least one of the address information, area information, structure information, facility information, and the reference lease price information, which is a charter price that is calculated through the renter management unit 320 later.
  • the lease management server 300 may apply and store changes of the information stored in the database 310 in real time.
  • the landlord information, the tenant information, the rental real estate information, and the like stored in the database 310 may be updated periodically.
  • the landlord management unit 320 may process a process related to a real estate transaction between a landlord and a lease management company who wants to use the variable rent service of the present invention.
  • the landlord manager 320 may include a lease contract processor 321, a lease deposit manager 322, a rent rent manager 323, and a rent fee manager 324.
  • the lease contract processing unit 321 may self-determine the standard lease price of the real estate to be rented by the landlord to the lease management agent, and may perform a process of signing a lease with the landlord based on this.
  • the lease contract processor 321 may receive a lease contract request signal from the tenant terminal 100.
  • the landlord may be a new landlord who does not have a lease contract, that is, a landlord who is not in a lease transaction, and intends to newly sign a lease contract through the lease management server 300. have.
  • the landlord is a landlord who has entered into a lease, that is, a lease transaction, and the contract terms (rental deposit amount, rent rent amount, etc.) of the previously concluded lease agreement are present inventions. You may also be an existing landlord who wants to sign a lease to change through his variable rent service.
  • the lease contract request signal may include at least one of rental property information, desired rental deposit amount information, desired rent amount information, existing rental contract condition information, and the like of the corresponding landlord.
  • the lease contract processing unit 321 collects the real estate price information of the area where the desired real estate is located through an external real estate price information providing server (not shown), By analyzing the location conditions, it is possible to evaluate the monetary value of the rental desired real estate based on the market price information and the location conditions.
  • the lease contract processing unit 321 may set the base lease price itself, which is a rental price when the rental desired real estate is traded in full.
  • the lease contract processing unit 321 may determine the desired lease deposit amount and the desired lease rent amount based on the set standard rental price to determine whether the desired lease amount is a suitable amount to conclude a lease.
  • the rent to cheonsei ratio (hereinafter referred to as renter's conversion rate) can be calculated.
  • the base rental price of a specific rental desired property may be 1 billion won, and the landlord may wish to lease the desired rental property with a rent rent of 3 million won without a deposit. Accordingly, the lease contract processing unit 321 may calculate a conversion rate of 3.6% per year when converting the standard rental price of 1 billion won into the desired rent amount of 3 million won.
  • the lease contract processing unit 321 may determine that the desired lease deposit amount and the desired rent rent amount as a suitable amount to sign a lease when the lease start conversion rate is lower than a predetermined procurement rate.
  • the lease manager may set the procurement rate to 3.8% in advance, and the lease start conversion rate may be 3.6% when a specific landlord requests a lease contract. Accordingly, the lease contract processing unit 321 may determine the desired lease deposit amount and the desired lease rent amount according to the lease request as a suitable amount to which the lease contract can be concluded.
  • the lease contract processing unit 321 may be the desired lease deposit amount and so that the landlord start conversion rate is lower than the procurement rate;
  • the request signal for changing the desired rent amount may be transmitted to the renter terminal 100.
  • the lease contract processing unit 321 receives a response signal from the landlord for the change in the desired lease deposit amount and the desired rent rent amount change request, so that the lease contract can be concluded with the desired lease deposit amount and the desired rent rent amount. You can tune in the right amount.
  • the lease contract processing unit 321 lowers the landlord and the landlord start conversion rate through the landlord terminal 100 even when the landlord start conversion rate is calculated to be lower than a predetermined procurement rate. By negotiating for more, the lease manager's profits can be further secured.
  • the lease start conversion rate may be set according to the degree that the lease manager evaluates the risk of counterparty risks related to the return of the security deposit and the rent payment to the landlord.
  • the lease contract processing unit 321 sets the desired lease deposit amount and the desired rent amount according to the appropriate lease start conversion rate as the initial lease deposit amount and the initial lease rent amount, respectively, and completes the lease contract. Can be.
  • the lease contract processing unit 321 manages the existing rent rent amount paid by the tenant corresponding to the existing lease agreement to the account of the existing landlord, if the landlord that entered into the lease is the existing landlord. It can also be processed to be deposited into an account.
  • the lease contract processing unit 321 may store the concluded lease contract information in the database 310. Accordingly, information on the real estate rented from the landlord through the lease contract, that is, lease real estate information may also be stored. May be stored in the database 310.
  • the rental contract processing unit 321 may display the stored rental real estate information through a variable rent service web page and a variable rent service application, and may later enable the tenant to inquire and select the displayed rental real estate information. have.
  • the lease contract processing unit 321 may extend the corresponding lease contract period when the landlord wants to maintain the lease contract when the lease contract period expires.
  • the lease may be terminated and the lease deposit management unit 322 may process the settlement.
  • the lease deposit management unit 322 may perform a process of paying or adjusting a lease deposit of a landlord whose lease is concluded.
  • the lease deposit management unit 322 may determine the landlord's initial lease deposit amount according to the lease agreement. The payment can be made from the management account to the new landlord's account.
  • the lease deposit management unit 322 when the lease agreement between the landlord corresponding to the existing landlord and the lease management is concluded, the lease deposit management unit 322 by referring to the existing lease agreement condition information of the existing landlord, The amount of the rental deposit on the property may be settled.
  • an existing landlord may have previously concluded a lease agreement with a lease deposit of 200 million won and a monthly rent of 2.4 million won for his desired real estate.
  • the existing landlord concludes the lease with the lease management company, if the initial lease deposit amount increased to 300 million won, the lease deposit management unit 322 is 100 million won which is the amount of the increased amount of the deposit deposited in the management account To make the bank server 400 to pay to the existing landlord's account.
  • the lease deposit management unit 322 according to an embodiment of the present invention, during the lease contract period with the landlord, the lease deposit change request, which is a request for changing the lease deposit amount determined by the lease to a variable lease deposit amount desired by the landlord.
  • the signal may be received from the renter terminal 100.
  • the rental deposit management unit 322 is a request to change the lease deposit amount is the request to increase the lease deposit amount
  • the increased amount can be processed to be paid from the management account to the landlord's account, the lease deposit amount
  • the lessor may proceed to pay the reduced amount to the management account.
  • the lease deposit may be set at 200 million won as a condition of the lease's lease.
  • the landlord may transmit the request signal for increasing the 200 million won to 300 million won through the landlord terminal 100 to the lease deposit management unit 322, the lease deposit management unit 322 to the bank server 400 to increase the increase.
  • the amount of money that is, the difference between the amount before the change and the amount after the change, 100 million won may be paid to the landlord's account.
  • the lease deposit amount is finally determined in the lease agreement to the landlord
  • a signal for requesting a return to the management account may be transmitted to the lessee terminal 100.
  • the lease deposit management unit 322 may check through the bank server 400 whether or not the receipt of the lease deposit amount returned by the landlord.
  • the rent rent management unit 323 may perform a process of paying or adjusting the rent rent of the landlord whose lease agreement is concluded.
  • the lease rent management unit 323 causes the bank server 400 to display the renter's initial rent amount according to the lease contract among the amounts deposited in the management account. The payment can be made to the landlord's account.
  • the landlord is paid the rent amount from the lease management company, not the tenant, so that the landlord can escape the risk of counterparty transactions with the tenant related to the rent payment.
  • the rent rent management unit 323 if the lease deposit amount of the lease is changed through the lease deposit management unit 322, the variable lease deposit in accordance with the conversion rate between the preset lease deposit and rent rent You can set a variable rent amount corresponding to the amount.
  • the lease deposit amount is 200 million won and the rent rent amount is 2.4 million won according to the landlord's lease.
  • the landlord may increase the rent deposit amount to 300 million won, and the rent rent management unit 323 may reduce the amount of the increase from 350,000 won to 4.2 million won applied with a conversion rate of 4.2% per year from 240 million won.
  • the variable rent can be set at 2.75 million won.
  • the rent rent management unit 323 is applied when the landlord decreases the lease deposit, the rent guarantee deposit conversion rate, which is a conversion rate between the lease deposit and the rent rent, which is applied when the rent amount is increased. It can be set higher than the leasehold deposit conversion rate, which is the conversion rate between the lease deposit and rent rent.
  • the decrease in the rent rent amount corresponding to it is set to be greater than the increase in the corresponding rent rent amount when the landlord reduces the rent amount. Profit can be guaranteed.
  • the lease security deposit conversion rate and the lease security deposit reduction rate may be set higher than a predetermined rate by a mortgage loan rate of a commercial bank.
  • the delinquency rate for the leaseholder guarantees the landlord to make an additional deposit of the amount of his or her deposit. In order to enjoy the effect, it may be set higher than a predetermined rate higher than a commercial bank's deposit rate, but lower than a predetermined rate lower than the commercial bank's mortgage rate in order to prevent a landlord from exploiting these profits.
  • the rate of rent rent that the landlord pays to the landlord based on the standard rent price of the same property is set to be less than the rate of rent rent received from the lessee. It is also possible, through which the profits of the leasing manager due to the difference between the rent rent amount and the rent rent amount may of course occur.
  • the rent rent management unit 323 transmits a signal for requesting payment of a renter's rent rent amount from a management account to the landlord's account to a bank server 400 on a predetermined date every month, thereby giving the renter the rent renter. You can pay the amount.
  • the bank server 400 may automatically process the rent rent amount of the landlord from the management account to the landlord's account every day designated by the rental management company.
  • the rental fee management unit 324 may perform a process of setting and receiving the rental fee of the landlord.
  • the lease fee management unit 324 may set a lease fee for the lease contract according to a predetermined lease fee setting condition for the landlord who has completed the lease contract.
  • the lease fee management unit 324 may set a lease fee for the expired lease contract when the lease lease contract period is expired, for example, the lease contract period
  • the lease fee may be set as a percentage of the average value of the rent rent changed in the meantime.
  • the lease fee management unit 324 may transmit a signal requesting the renter to pay the lease fee to a management account to the landlord terminal 100, and the bank server 400 determines whether the lease fee has been received. You can check
  • the tenant manager 330 may process a process related to a real estate transaction between the tenant and the rental manager who wants to use the variable rent service of the present invention.
  • the tenant management unit 330 may include a lease contract processing unit 331, lease deposit management unit 332, lease rent management unit 333 and lease fee management unit 334.
  • the lease contract processing unit 331 may perform a process of signing a lease with the tenant.
  • the tenancy contract processing unit 331 may receive a tenant's tenancy contract request signal from the tenant terminal 200, the tenant contract request signal is the tenant's desired real estate information, desired lease deposit amount information, desired tenancy It may include more than one day's rent information and existing lease terms and conditions.
  • the tenant may be a new tenant who has not previously signed a lease, that is, a tenant who is not currently in a lease transaction, and intends to sign a new lease through the lease management server 300. have.
  • the new tenant hopes to rent himself through the variable rent service web page or the variable rent service application in order to transmit a lease request signal to the lease contract processing unit 331 through the tenant terminal 200. You can choose to rent real estate.
  • the lease desired real estate is a real estate rented by the lease management server 300 from the landlord through the landlord management unit 320, it may be a real estate with a predetermined base rental price in advance. .
  • the new tenant may calculate the desired lease deposit amount and the corresponding preferred rent amount by applying the preset tenant start conversion rate to the predetermined standard lease price for the desired real estate.
  • the starting tenant conversion rate may be set at 4.2% per year, and the new tenant's base rental price may be set at 1 billion won. Accordingly, the new tenant may calculate the amount of the desired rent amount to 700,000 won by setting the amount of the desired lease deposit to 800 million won.
  • the renter start conversion rate may be set according to the degree that the lease manager evaluates the risk of counterparty risk associated with the return of the security deposit and the rent payment to the tenant.
  • the tenant is a tenant who has previously concluded a lease, that is, a tenant in a lease transaction, and the contract terms (rental deposit amount, rent amount, etc.) of the previously concluded lease agreement are present invention.
  • You may also be an existing tenant who wants to sign a lease to change through your variable rent service.
  • the existing tenant applies the rent renter's start conversion rate to the lease price of the real estate corresponding to the existing tenancy contract or the standard lease price set by the tenancy contract processing unit 331 on the property, thereby providing the desired lease deposit amount and Corresponding preferred rent amount can be calculated.
  • the tenant start conversion rate may be differently applied to the new tenant and the existing tenant, respectively.
  • the new tenant may be subject to an annual conversion rate of 4.2%.
  • the tenant who intends to enter into a lease with the lease management company is an existing tenant, if the tenant intends to increase the amount of the guarantee deposit based on the existing tenancy, the tenant's initial conversion rate is 3.6%. If the reduction is to be made, an annual rent conversion rate of 4.3% may apply.
  • the lease contract processing unit 331 may set the desired lease deposit amount and the desired lease rent amount as an initial lease deposit amount and an initial lease rent amount, respectively, and complete a corresponding lease contract.
  • the lease contract processing unit 331 according to an embodiment of the present invention tenant terminal 200 whether or not to agree to operate the amount of the guarantee deposit received from the tenant in accordance with the lease later through the money management unit 340 You can also choose from tenants.
  • the lease contract processing unit 331 may store the lease contract information and the tenant's money operation consent information in the database 310.
  • the tenancy contract processing unit 331 when the tenant's tenancy contract expires, if the tenant wants to maintain the lease, the tenant can extend the lease period, the tenant rents If the desired real estate is to be changed, the terms of the lease may be reset to correspond to the new desired real estate, and the lease deposit management unit 332 may be settled later.
  • the tenancy contract processing unit 331 may terminate the tenancy agreement and allow the tenancy deposit management unit 332 to settle the settlement.
  • the lease deposit management unit 332 may perform a process of receiving or adjusting a lease deposit of a tenant whose lease contract is concluded.
  • the tenancy deposit management unit 332 manages the initial tenancy deposit amount according to the tenancy agreement management account
  • the payment request signal may be transmitted to the tenant terminal 200 of the new tenant.
  • the lease deposit management unit 332 may check whether the initial lease deposit amount is received through the bank server 400.
  • the tenancy deposit management unit 332 refers to the existing tenancy agreement conditions information of the existing tenant,
  • the existing tenant can pay the landlord the amount of the lease deposit paid to the landlord corresponding to the existing lease agreement to the landlord to pay to the management account.
  • the lease deposit management unit 332 may settle the amount of the amount of the existing lease deposit received by the initial lease deposit amount set according to the lease contract concluded through the lease contract processing unit 331.
  • an existing tenant may have previously concluded a lease contract for a certain real estate with a guarantee deposit of 800 million won and a rent rent of 700,000 won, so that the lease manager may receive a contract from the landlord corresponding to the lease.
  • the 800 million won can be deposited into a management account.
  • the existing tenant concludes a tenancy agreement with the lease management company, if the lease deposit amount is reduced to 700 million won, the lease deposit management unit 332 may reduce 100 million won, which is an amount equivalent to the reduced amount of the deposit deposited in the management account.
  • the bank server 400 may be made to pay into an existing tenant's account.
  • Lease deposit management unit 332 during the lease agreement with the tenant, the lease deposit change request, which is a request for varying the lease deposit amount established in the lease agreement to the desired amount of variable lease deposit
  • the signal may be received from the tenant terminal 200.
  • the lease deposit management unit 332 is a request to change the lease deposit amount is a request to reduce the deposit amount
  • the reduced amount can be processed to be paid from the management account to the tenant's account, the lease deposit amount
  • the lessee may be required to pay the increased amount to the management account.
  • the amount of the security deposit may be set at 800 million won.
  • the tenant may transmit a request signal for reducing the 800 million won to 700 million to the tenancy deposit management unit 332 through the tenant terminal 200, the tenancy deposit management unit 332 is the amount of the reduced amount, that is, The bank server 400 may pay 100 million, which is the difference between the amount before the change and the amount after the change, to the tenant's account.
  • the lease deposit management unit 332 when the tenant's tenancy contract is terminated through the tenancy contract processing unit 331, the bank server 400 the lease of the amount deposited in the management account The lease deposit amount finally settled in the contract may be paid to the tenant's account.
  • the tenant is returned from the lease manager, not the lessor, the amount of his deposit, so that the tenant can escape the risk of counterparty with the landlord associated with the return of the deposit.
  • the rent rent management unit 333 may perform a process of receiving or adjusting the rent rent of the tenant who has completed the lease contract.
  • the lease rent management unit 333 signals the tenant to pay the initial rent amount to the management account according to the tenant renter terminal 200 It can be transmitted to, and can check through the bank server 400 whether the initial rent amount received.
  • the lease rent management unit 333 causes the bank server 400 to make an existing lease rent according to the existing tenant agreement of the existing tenant.
  • the amount may be paid to the landlord's account corresponding to the existing lease.
  • the rent amount of the existing rent may be paid every designated day during the lease period in which the tenant leases the real estate corresponding to the existing lease contract.
  • the lease rent management unit 333 if the lease deposit amount of the lease is changed through the lease deposit management unit 332, according to the conversion rate between the lease deposit and the rent rent in accordance with the variable lease deposit amount You can set the corresponding variable rent amount.
  • the amount of the security deposit is 800 million won and the rent amount is 700,000 won.
  • the tenant may reduce the amount of the deposit guarantee to 700 million won, rent lease management unit 333 is applied to the amount of the reduced amount of 100 million won was applied to the conversion rate of 5.25% annually 43,750 million won 700,000 won As we increase from, we can set a variable rent amount to 1.11375 million won.
  • the lease rent management unit 333 is applied when the tenant increases the lease deposit to reduce the lease deposit and the deposit guarantee rate, which is the rate of conversion between the lease deposit and the rent rent applied when the amount is reduced It can be set higher than the lease deposit increase rate, which is the conversion rate between the lease deposit and rent rent.
  • the increase in the rent amount corresponding thereto is set to be larger than the decrease in the corresponding rent amount when the tenant increases the amount of the deposit. Profit can be guaranteed.
  • the ratio of the rent amount that the lease manager receives from the tenant on the basis of the standard lease price of the same real estate is set to be higher than that of the rent amount paid to the landlord. It is also possible, through which the profits of the leasing manager due to the difference between the rent rent amount and the rent rent amount may of course occur.
  • the lease deposit increase conversion rate and the lease deposit reduction rate may be set within an upper limit of the rent to cheonsei rent rate under the Housing Lease Protection Act.
  • the lease deposit increase conversion rate will allow the tenant to increase the effect of the additional deposit by the additional increase of his lease deposit. It may be set higher than a predetermined rate higher than a commercial bank's deposit rate so as to enjoy, but in order to prevent a tenant from exploiting these profits, it may be set lower than a predetermined rate lower than a mortgage rate of a commercial bank.
  • the rent rent management unit 333 transmits a signal for requesting the payment of the rent rent amount to a management account on a fixed date every month to the tenant terminal 200, through the bank server 400, the rent rent amount from the tenant. Receive money.
  • the bank server 400 may automatically process the rent rent amount from the tenant's account to the management account for each month designated by the rental management company.
  • the rental fee management unit 334 may perform a process of setting and receiving the rental fee of the tenant.
  • the lease fee management unit 334 may set a lease fee for the lease according to a predetermined lease fee setting condition for the tenant who has completed the lease.
  • the lease fee management unit 334 may set a lease fee for the expired lease contract when the tenant's lease contract period expires, for example, the lease contract period You can also set a fee as a percentage of the average value of the deposit.
  • the lease fee management unit 334 may transmit a signal requesting the tenant to pay the lease fee to the management account to the tenant terminal 200, and the bank server 400 determines whether the lease fee has been received. You can check
  • the funds management unit 340 may manage the funds deposited in the management account of the lease manager through various guarantee products and financial products, and may perform a process of providing a lease manager and a tenant with a credit model of the lease manager.
  • the money manager 340 may include a money manager selection unit 341, a money management product subscription unit 342, and a money management information provider 343.
  • the fund manager selection unit 341 provides a guarantee product for protecting the landlord's lease deposit and the rights related to the tenant's lease deposit, and a financial product for managing the funds deposited in the lease manager's management account.
  • the above money managers can be selected as a trading target.
  • the fund manager selecting unit 341 may receive guarantee product information and financial product information provided by the respective money managers from various money manager servers (not shown) such as banks, guarantee companies, securities companies, and fund managers. .
  • the guarantee product may be a product that guarantees that the lease management company pays the lease deposit to the landlord in accordance with the lease contract completed or returns the lease money to the tenant under the lease contract.
  • the financial product may include a deposit product, savings products, insurance products, fund products, stock products, bond products, and the like, the financial product information according to the rate of return information for each financial product, performance evaluation Information may be included in one or more days.
  • the fund manager selection unit 341 determines the safety and profit rate of each of the money managers based on the guarantee product information and the financial product information, and thus, targets the money manager that shows better safety and return rate. Can be selected.
  • the fund manager selecting unit 341 transmits the information of the corresponding fund manager to the tenant manager 330, such that the tenant manager 330 ) May allow the tenant to choose whether or not to agree to the management of the lease through the fund manager.
  • the money management product subscription unit 342 may perform a subscription process for the guarantee product or the financial product of the money manager selected as a transaction target through the money management company selection unit 341.
  • a bank operating the bank server 400 of the present invention is selected as a fund management company to be dealt with is described, but is not limited thereto, and a separate company such as a guarantee company, a securities company, a fund manager, etc. Fund managers can also be selected for trading.
  • the money management product subscription unit 342 may select a specific guarantee product by referring to the guarantee product information received from the bank server 400, and according to another embodiment, the renter terminal By transmitting the warranty product information to the 100 and the tenant terminal 200 may be selected a specific warranty product from each of the lessor and the lessee.
  • the money management product subscription unit 342 may transmit a signal for requesting the subscription to the selected warranty product to the bank server 400, and the request for subscription to the warranty product may include information of a leasing manager, selected warranty product information, and a lease contract. Information may include more than one day, such as lease information.
  • the money management product subscription unit 342 may receive a signal requesting the payment of a guarantee fee corresponding to the guarantee product requested for subscription from the bank server 400, and corresponds to the guarantee fee among the amounts deposited in the management account.
  • the amount may be processed so that the bank server 400 pays the designated account.
  • the money management product subscription unit 342 may select one or more financial products by referring to the financial product information received from the bank server 400, and according to another embodiment, the renter terminal ( 100) and the tenant terminal 200 may receive one or more financial products selected from each of the lessor and the lessee by transmitting the financial product information.
  • Money management product subscription unit 342 may transmit a signal for requesting the subscription to the selected financial product to the bank server 400, the financial product subscription request signal is the information of the lease management company, the selected financial product information, the amount of the consignment funds Information and the like.
  • the entrusted funds are part of the funds that can be managed among the funds deposited in the management account, and may include more than one day, such as the interest, rent rent and rent rent generated in the management account.
  • the entrusted funds may further include a lease deposit paid by the tenant to the management account when the tenant agrees to manage the lease deposit through the money management company when the tenancy is concluded. have.
  • the money management product subscription unit 342 may receive a signal for requesting payment of a consignment fund amount corresponding to the financial product requested to be subscribed to from the bank server 400, wherein the money management product subscription unit 342 may receive the signal from among the operational amounts deposited in the management account. The amount corresponding to the consignment funds may be processed to be paid to the account designated by the bank server 400.
  • the operational amount deposited in the management account may include the difference between interest, rent and lease rent, etc. arising from the management account, when the tenant enters into the lease agreement, the operation of the deposit guarantee through the money management company If agreed, the tenant may further include a lease deposit paid to the management account.
  • the money management information providing unit 343 may provide the renter and the tenant with the guaranteed product related information and the financial product related information through the money managing product subscription unit 342 as a credit model of the lease management company.
  • the money management information providing unit 343 may receive the information on which the guarantee product subscription for each lease contract and each lease contract is completed, that is, the guarantee product subscription information from the bank server 400.
  • the fund management information provider 343 may transmit the warranty product subscription information of each lease to the landlord's terminal 100 of the corresponding landlord and the warranty product subscription information of each lease to the tenant's terminal 200 of the tenant. have.
  • the money management information providing unit 343 can increase the reliability of the lease manager by allowing each landlord and each tenant to immediately check the guarantee product subscription information for the lease contract and lease contract.
  • the fund management information providing unit 343 is the one or more financial product subscription information (hereinafter referred to as financial product subscription information) and the status information that the consignment funds corresponding to the financial product is in operation (Hereinafter referred to as fund management status information) can be received from the bank server 400.
  • the fund management status information may include one or more days of total fund management period information, cumulative profit amount information, real-time rate of return information, expected rate of return information, and the like.
  • the fund management information providing unit 343 collects and analyzes the status of the capital operation of one or more financial products, thereby analyzing the total amount of the leased funds of the leasing management company, that is, the total cumulative revenue for the amount of the operation. Amounts, total returns, total estimated returns, etc. can be statistics.
  • the fund management information providing unit 343 transfers the total cumulative revenue amount information, the total yield information, and the total estimated yield information on the total amount of the consigned funds of the rental management company to the tenant terminal 100 and the tenant terminal 200. It can be transferred, and this has the advantage of securing the financial credibility of the lease management from the lessor and the lessee.
  • the controller 350 may perform a function of controlling the flow of data between the database 310, the landlord manager 320, the tenant manager 330, the money manager 340, and the communicator 360. . That is, the controller 350 according to the present invention may control to perform unique functions in the database 310, the landlord manager 320, the tenant manager 330, the money manager 340, and the communicator 360, respectively. .
  • the communication unit 360 enables communication between the lease management server 300 and an external server and an external device.
  • the leasing management server 300 enables communication with the tenant terminal 100, the tenant terminal 200 and the bank server 400.
  • FIG. 3 is a diagram illustrating a variable rent service providing process for a landlord according to an embodiment of the present invention.
  • the landlord may be a landlord who has concluded a lease contract with a rental management company by confirming a rental deposit amount and a rent rent amount for a desired real estate through a variable rent service of the present invention.
  • the lease manager server 300 rent lease deposit is set in the lease contract based on the lease deposit change request to increase or decrease the lease deposit amount corresponding to the lease contract during the lease agreement with the landlord The amount of money and rent can be changed.
  • the landlord may access the variable rent service web page through the landlord terminal 100 (S301) to transmit a rent deposit change request signal to the rental management server 300 (S302).
  • the rental deposit change request signal may include variable rent deposit amount information desired by the landlord.
  • the lease management server 300 may change the lease deposit amount determined in the lease into the variable lease deposit amount (S303).
  • the leasing management server 300 may process the amount of the increased amount is to be paid from the management account to the landlord's account, if the change in the lease deposit received in step S302 is a request to increase the lease deposit.
  • the landlord may process the landlord to pay the reduced amount to the management account.
  • the rental management server 300 may set the variable rental rent amount corresponding to the variable rental deposit amount determined in step S303 according to the conversion rate between the preset rental deposit and the rent rent (S304).
  • the lease management server 300 when the landlord decreases the lease deposit, the lease deposit increase rate, which is the conversion rate between the lease deposit and rent rent applied when the lease deposit amount is increased; It can be set higher than the lease deposit reduction conversion rate, which is the conversion rate between the applied lease deposit and rent.
  • the decrease in rent rent amount corresponding thereto may be set to be greater than the increase in the corresponding rent rent amount when the landlord reduces the rent amount.
  • the lease manager server 300 When the lease deposit amount is increased through step S303, the lease manager server 300 according to an embodiment requests to pay the lease deposit amount as much as the increased amount of the deposit deposited in the management account to the landlord's account. It may be transmitted to the bank server 400 (S305-1).
  • the lease management server 300 may transmit a signal for requesting the payment of the lease deposit amount to the management account to the tenant terminal 100 ( S305-2) Accordingly, it may be confirmed through the bank server 400 whether or not the amount of the rental deposit amount reduced.
  • the leasing management server 300 requests the bank server 400 to pay the amount corresponding to the variable rent rent determined through the step S304 when paying the rent rent amount to the account of the future landlord.
  • the signal may be transmitted to the bank server 400 (S306).
  • the landlord can freely change the lease deposit amount and the rent rent amount set by the lease contract terms by using the variable rent service, and can easily supply necessary funds through the lease manager.
  • 4 to 7 are diagrams illustrating a process of providing a variable rent service to tenants and tenants according to an embodiment of the present invention.
  • the lease manager may provide a variable rent service to the landlord and the tenant who wants to start the lease through the lease manager.
  • the real estate transaction amount related to the landlord is referred to as the “first amount” and the real estate transaction amount related to the tenant is referred to as the “second amount”. Shall be. That is, the first amount and the second amount may be different amounts.
  • 1 lease management contractor can enter into a lease with a landlord who has not previously signed a lease.
  • the lease manager may set the contract period with the landlord for two years, and calculate the standard lease price, which is the price at the time of the full lease of the real estate to be rented by the landlord, to 1 billion won.
  • the lease manager reflects the first desired lease deposit amount and the first desired rent rent amount that the landlord desires within the equivalent range of applying the renter's start conversion rate of 3.6% to the standard lease price.
  • a lease can be concluded with the landlord with the amount of 200 million won and the first initial rent amount of 2.4 million won.
  • the lease manager shall pay the first initial lease deposit amount of 200 million won and the first initial rent amount of 240 million won to the account of the landlord. Can be.
  • the lease management company may enter into a lease with a tenant who has not previously signed a lease on the real estate rented from the landlord in the above 1.
  • the lease manager may set the contract period with the tenant for one year, and the second desired tenancy desired by the tenant within the equivalent range of applying the 4.2% annual lease start conversion rate to the standard lease price of the real estate of 1 billion won.
  • the lease manager may set the contract period with the tenant for one year, and the second desired tenancy desired by the tenant within the equivalent range of applying the 4.2% annual lease start conversion rate to the standard lease price of the real estate of 1 billion won.
  • the lease manager may receive a second initial lease deposit of 800 million won and a second initial rent amount of 700,000 won from his tenant into his management account.
  • the landlord manages the different contract price in the steps (2) and (4). You can either pay the bill or receive it from the tenant.
  • the lease manager may be requested to change a lease deposit amount from a landlord during a lease contract.
  • the amount before the change is referred to as the "first amount”
  • the amount after the change is referred to as the "second amount”.
  • the landlord may request the lease management company to increase the amount of the first lease deposit by 100 million won.
  • the lease manager increases the amount of the first lease deposit to 300 million won, and then the first rent amount is 2.4 million won to 100 million won, the amount of which the first lease deposit is increased. It can be reduced by 350,000 won, which is applied to the lease deposit increase conversion rate of 4.2% per year. That is, the lease manager may change the terms of the lease to 300 million won in the second rental deposit and 2.25 million won in the second rent.
  • the lease manager may pay 100 million won of the increased amount of the first lease deposit to the landlord's account out of the amount deposited in his / her management account according to the lease terms changed in step 5-2 above.
  • the landlord may request the lease management company to reduce the first lease deposit amount by 100 million won.
  • the lease manager reduces the amount of the first rental deposit to 100 million won, and then the first rent amount is 2.4 million won to the 100 million won of the first rental deposit reduced. It can be increased by 225,000 won, which is applied to the lease deposit reduction conversion rate of 2.7% per year. That is, the lease manager may change the terms of the lease to 100 million won in the second lease deposit amount and 26.25,000 won in the second rent amount.
  • the lease manager may receive 100 million won in the amount of the first lease deposit from his / her landlord on his / her management account according to the terms of the lease contract changed in step 6-2.
  • the lease manager may be requested to change a deposit amount from a tenant during a lease contract.
  • the amount before the change is referred to as the "first amount”
  • the amount after the change is referred to as the "second amount”.
  • the lessee may ask the lease management company to reduce the amount of the first lease deposit by 100 million won.
  • the lease management company reduced the amount of the first lease deposit to 700 million won, and then the amount of the first rent amount of 700,000 won to the 100 million won in which the first deposit was reduced. It can be increased by KRW 43,750,000, which is applied to the reduction of rent guarantee deposit of 5.25% per year. That is, the lease management company may change the terms of the lease to the amount of the second lease deposit amount of 700 million won and the second rent amount to 1.11375 million won.
  • the lease manager may pay 100 million won of the first lease deposit from the amount deposited in his / her management account to the tenant's account, in accordance with the terms of the tenancy agreement changed in step 8-2.
  • the tenant may request the lease management company to increase the amount of the first lease deposit by 100 million won.
  • the lease manager increases the amount of the first lease deposit to 900 million won, and then the first rent amount is 2.4 million won to 100 million won, the amount of which the first lease deposit is increased. It can be reduced by 225,000 won, which is applied to the lease deposit increase conversion rate of 2.7% per year. That is, the lease manager may change the terms of the lease to the amount of the second security deposit of 900 million won and the second rent amount to 475,000 won.
  • the lease manager may receive an amount of 100 million won increased from the tenant to his / her management account.
  • a lease manager may conclude a lease with a landlord and a tenant who intends to change the terms of the lease by delegating the lease to the lease after a certain time at the time when the lease is started. have.
  • the landlord may have leased the real estate to the tenant by signing a lease agreement with the tenant on a real estate with a base rental price of one billion won and a lease deposit amount of 800 million won and a rent rent amount of 700,000 won.
  • the landlord may pay 800 million won in lease deposits and periodically pay 700,000 won in rent.
  • the landlord may request a lease management contractor to increase the lease rent amount by reducing the lease deposit amount to 200 million won, and the lease manager leases the standard of the real estate.
  • the lease can be concluded with the landlord with the deposit guarantee amount of 200 million won and the rent rent amount of 2.4 million won.
  • the landlord may of course conclude a lease agreement to increase the amount of the deposit.
  • the lease manager may receive 600 million won from the landlord to the management account of the lease manager as much as 800 million won of the lease deposit amount in step 2 is reduced to 200 million won in the above-mentioned 3-1 step. .
  • the lease manager receives the lease rent amount of 700,000 won from the lessee from the lessee in the management account of the lease management company.
  • the rent rent amount changed in step 3-1 above will be paid 2.4 million won.
  • the lease manager will take over the tenant's debts from the tenant and, in return, obtain the same amount of debt from the tenant.
  • the tenant may ask the lease manager to conclude a lease contract for reducing the rent amount by increasing the lease deposit amount to 900 million won, and the lease manager is the standard lease of the real estate.
  • the lease manager is the standard lease of the real estate.
  • the lease manager may receive 100 million won from the tenant to the management account of the lease manager as much as the amount of the deposit guarantee amount in step 2 is increased to 900 million won in the step 4-1 step. .
  • the lease management company receives a payment of 300,000 won, the rent amount changed in step 4-1, from the lessee to the management account of the leasing management company. Of the amount deposited, the rental rent amount set in step 1 above will be paid as it is 700,000 won.
  • the lease manager when the lease management contract expires the lease contract in step 1 above, the lease manager will receive a deposit of 800 million won paid by the tenant from step 2 into the management account. In other words, the lease manager acquires the deposit return obligation for the tenant from the landlord, and in return, the landlord obtains a bond equal to the deposit from the landlord.
  • the landlord and the tenant may change their lease contract conditions and lease contract terms through the lease management agent according to step 5 through step VII of the first embodiment.
  • the landlord establishes a rental contract under his or her desired lease conditions such as lowering the lease deposit and raising the rent rent to promote stable profits and freely change the contract terms.
  • a rental contract under his or her desired lease conditions such as lowering the lease deposit and raising the rent rent to promote stable profits and freely change the contract terms.
  • the tenant shall minimize the burden of rent due to the tenancy agreement and change the terms of the contract freely by concluding the tenancy agreement with the tenancy conditions desired by the tenants such as maximizing the guarantee deposit and reducing the rent rent corresponding thereto according to their circumstances. Therefore, there is an advantage that can improve the convenience of financing.
  • the lease manager sets the conversion rate between the lease deposit and rent rent applied to the tenant and the lease deposit and rent rent rate applied to the tenant differently, so that the renter is assigned to the tenant based on the standard lease price of the same property.
  • FIG. 8 is a view showing a profit generation structure according to the conversion rate difference between the rent amount and the rent amount of the renter and tenant according to an embodiment of the present invention.
  • the renter's lease deposit that is, the conversion rate between the lease deposit amount and the rent rent amount (hereinafter, the lessee's conversion rate) and the tenant's lease deposit, that is, the lease deposit amount and the rent rate between the rent amount (hereinafter, , Renter conversion rate) may be set differently from each other.
  • the landlord when the landlord makes a lease contract on the condition that the rent amount is 1 billion won in the case of full rent condition, both the landlord and the tenant sign a lease agreement on the rent basis in full, the landlord will receive 3.6 billion won per year.
  • the rent rent amount of 3 million won can be set according to the renter's conversion rate of%, and the renter's rent amount of 3.5 million won can be set according to the renter's conversion rate of 4.2% per year for the billion won.
  • the lessor shall receive from the lessee the rent amount, which is higher than the rent rent payable to the landlord, based on the amount of the lease deposit at the time of full charter of the same property. Profit can be generated from the difference.

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Abstract

An embodiment of the present invention provides a method for providing a variable monthly rent service for a lessor by a leasing agent server, the method comprising the steps of: (a) after entering into a lease contract, changing a first security deposit amount, which has been arranged in the lease contract, to a second security deposit amount that the lessor desires, according to a security deposit change request received from a lessor's terminal in the course of the lease contract; (b) processing a settlement of a difference between the first security deposit amount and the second security deposit amount; and (c) changing a first monthly rent amount corresponding to the first security deposit amount for a second monthly rent amount corresponding to the second security deposit amount.

Description

임대인 가변 월세 서비스 제공 방법 및 서버Landlord variable rent service provision method and server
본 발명은 임대인 가변 월세 서비스를 제공하는 방법 및 서버에 관한 것으로, 보다 상세하게는, 임대관리업자로 하여금 임대인이 자유롭게 임대보증금 금액 및 임대월세 금액을 변경할 수 있는 가변 월세 서비스를 제공함으로써, 임대인의 자금 조달에 대한 편의성을 향상시킬 수 있는 방법 및 서버에 관한 것이다.The present invention relates to a method and a server for providing a variable renter's rent service, and more particularly, by providing a variable renter's service by which a renter can freely change the rent deposit amount and the rent rent amount. It relates to a method and server that can improve the convenience of financing.
일반적으로, 부동산 임대차 계약이 사전에 체결 완료되었을 시, 임대인은 설정된 계약 조건을 해당 계약기간 동안 유지해야 하는 경우가 대다수이며, 이에 따라 추후 해당 임대차 계약의 조건을 변경해야 하는 상황이 발생할 시 곤란을 겪어야 하는 실정이다.In general, when a real estate lease is concluded in advance, the landlord often has to maintain the terms of the established contract for the duration of the contract, and this makes it difficult to change the terms of the lease later. I have to go through.
특히, 임대인은 자금 조달이 필요할 시, 임대보증금을 증액시켜 목돈을 마련하기 위해서는 해당 임대차 계약을 체결한 임차인과의 의견 조율이 필요한 바, 번거로움이 존재하며, 거치식 상환방식으로 주택담보대출을 받기를 원하더라도, 현행 규제에 따라 원리금 상환방식으로 대출을 받을 수 밖에 없는 불편이 존재한다.In particular, the landlord needs to coordinate with the tenant who signed the lease in order to raise the money by increasing the lease deposit when it needs to raise funds. Even if the government wants to pay the loans, it is inconvenient to obtain a loan through the principle payment method according to the current regulations.
따라서, 임대인이 자유롭게 임대차 계약 조건을 변경하고, 자금 조달의 편의성을 향상시킬 수 있는 기술의 필요성이 점차 증대되고 있으며, 상술한 문제점을 해결하기 위한 방안이 시급한 실정이다.Therefore, there is an increasing need for a technology that allows a landlord to freely change the terms of the lease and improve the convenience of financing, and there is an urgent need to solve the above problems.
본 발명은 전술한 종래기술의 문제점을 해결하기 위한 것으로, 임대관리업자가 임대인으로 하여금 임대 계약기간 도중, 임대 계약 조건을 자유롭게 변경 가능하도록 함으로써, 임대인의 자금 관리 효율성을 향상시키는 것을 목적으로 한다.The present invention is to solve the above-mentioned problems of the prior art, it is an object of the lease management to enable the landlord to freely change the terms of the lease, during the lease, the purpose of improving the landlord's money management efficiency.
특히, 본 발명은 임대인이 임대 계약 조건을 자유롭게 조절함에 따라, 임대보증금을 유동화함으로써, 임대인의 자금 조달에 대한 편의성을 증대시키는 것을 목적으로 한다.In particular, it is an object of the present invention to increase the convenience of the landlord's financing by liquidating the lease deposit as the landlord freely adjusts the lease conditions.
본 발명의 목적들은 이상에서 언급한 목적들로 제한되지 않으며, 언급되지 않은 또 다른 목적들은 아래의 기재로부터 명확하게 이해될 수 있을 것이다.The objects of the present invention are not limited to the above-mentioned objects, and other objects that are not mentioned will be clearly understood from the following description.
상술한 목적을 달성하기 위한 본 발명의 일 실시예에 따르면, 임대관리업자 서버가 임대인에게 가변 월세 서비스를 제공하는 방법에 있어서, (a) 임대 계약 체결 후, 임대 계약기간 중, 임대인 단말기로부터 수신한 임대보증금 변동 요청에 따라, 상기 임대 계약상 책정되어있는 제1 임대보증금 금액을 상기 임대인이 희망하는 제2 임대보증금 금액으로 변경하는 단계; (b) 상기 제1 임대보증금 금액 및 상기 제2 임대보증금 금액 간의 차액을 정산 처리하는 단계; 및 (c) 상기 제1 임대보증금 금액에 대응하는 제1 임대월세 금액을 상기 제2 임대보증금 금액에 대응하는 제2 임대월세 금액으로 변경하는 단계를 포함하는, 가변 월세 서비스 제공 방법이 제공된다.According to an embodiment of the present invention for achieving the above object, in the lease management server server provides a variable rent service to the landlord, (a) after the lease contract, during the lease contract, received from the landlord terminal In response to a request for a change in lease deposit, changing a first lease deposit amount determined in the lease into a second lease deposit amount desired by the landlord; (b) calculating a difference between the first rental deposit amount and the second rental deposit amount; And (c) changing the first rent rent amount corresponding to the first rent deposit amount to a second rent rent amount corresponding to the second rent deposit amount.
상기 (b) 단계는, 상기 임대보증금 변동 요청이 상기 제1 임대보증금 금액을 증액시키는 요청일 경우, 은행 서버로 하여금 관리계좌에 예치된 금액 중 상기 차액을 상기 임대인의 계좌로 지불하도록 처리하고, 상기 임대보증금 변동 요청이 상기 제1 임대보증금 금액을 감액시키는 요청일 경우, 상기 임대인으로 하여금 상기 차액을 상기 관리계좌로 납입하도록 처리하는 단계를 포함할 수 있다.In step (b), when the request for changing the lease deposit is a request to increase the amount of the first lease deposit, the bank server processes the bank server to pay the difference of the amount deposited in the management account to the landlord's account, If the lease deposit change request is a request to reduce the amount of the first lease deposit may include the step of processing the landlord to pay the difference to the management account.
상기 제2 임대월세 금액은, 상기 제1 임대보증금 금액이 상기 제2 임대보증금 금액으로 증액될 시, 해당 경우에 적용되는 임대보증금 및 임대월세 간 전환율인 임대인보증금증액전환율에 따라 제1 임대월세 금액을 감액함으로써 책정되고, 상기 제1 임대보증금 금액이 상기 제2 임대보증금 금액으로 감액될 시, 해당 경우에 적용되는 임대보증금 및 임대월세 간 전환율인 임대인보증금감액전환율에 따라 제1 임대월세 금액을 증액함으로써 책정될 수 있다.The second rent rent amount is the first rent rent amount according to the lease deposit increase rate, which is a conversion rate between the rent deposit and the rent rent, which is applied when the first rent deposit amount is increased to the second rent deposit amount. When the amount of the first lease deposit is reduced to the amount of the second lease deposit, the first rent amount is increased according to the rent guarantee deposit reduction rate, which is the conversion rate between the lease deposit and the rent rent. Can be formulated.
상기 임대인보증금증액전환율은, 상기 임대인보증금감액전환율보다 높게 설정될 수 있다.The lease security deposit conversion rate may be set higher than the lease security deposit reduction rate.
상기 (c) 단계 이후, 은행 서버로 하여금 매월 일정 일자마다 관리계좌에 예치된 금액 중 상기 제2 임대월세 금액을 상기 임대인의 계좌로 지불하도록 처리할 수 있다.After the step (c), the bank server may process to pay the second rent amount among the amounts deposited in the management account every month on the account of the landlord.
상술한 목적을 달성하기 위한 본 발명의 다른 실시예에 따르면, 임대인에게 가변 월세 서비스를 제공하는 임대관리업자 서버에 있어서, 임대 계약 체결 후, 임대 계약기간 중, 임대인 단말기로부터 수신한 임대보증금 변동 요청에 따라, 상기 임대 계약상 책정되어있는 제1 임대보증금 금액을 상기 임대인이 희망하는 제2 임대보증금 금액으로 변경하고, 상기 제1 임대보증금 금액 및 상기 제2 임대보증금 금액 간의 차액을 정산 처리하는 임대보증금 관리부; 및 상기 제1 임대보증금 금액에 대응하는 제1 임대월세 금액을 상기 제2 임대보증금 금액에 대응하는 제2 임대월세 금액으로 변경하는 임대월세 관리부를 포함하는, 임대관리업자 서버가 제공된다.According to another embodiment of the present invention for achieving the above object, in the lease management server for providing a variable rent service to the landlord, after changing the lease contract, the lease deposit change request received from the landlord terminal during the lease contract period In accordance with the lease, the lease amount of the first lease deposit prescribed in the lease is changed to the second lease deposit amount desired by the landlord, and the lease is settles the difference between the first lease deposit amount and the second lease deposit amount. Deposit management department; And a rent rent management unit for changing a first rent rent amount corresponding to the first rent deposit amount to a second rent rent amount corresponding to the second rent deposit amount.
상기 임대보증금 관리부는, 상기 임대보증금 변동 요청이 상기 제1 임대보증금 금액을 증액시키는 요청일 경우, 은행 서버로 하여금 관리계좌에 예치된 금액 중 상기 차액을 상기 임대인의 계좌로 지불하도록 처리하고, 상기 임대보증금 변동 요청이 상기 제1 임대보증금 금액을 감액시키는 요청일 경우, 상기 임대인으로 하여금 상기 차액을 상기 관리계좌로 납입하도록 처리할 수 있다.When the lease deposit management request is a request to increase the first lease deposit amount, the lease deposit management unit processes the bank server to pay the difference of the amount deposited in the management account to the landlord's account; When the rent deposit change request is a request to reduce the first rent deposit amount, the landlord may process the landlord to pay the difference to the management account.
상기 제2 임대월세 금액은, 상기 제1 임대보증금 금액이 상기 제2 임대보증금 금액으로 증액될 시, 해당 경우에 적용되는 임대보증금 및 임대월세 간 전환율인 임대인보증금증액전환율에 따라 제1 임대월세 금액을 감액함으로써 책정되고, 상기 제1 임대보증금 금액이 상기 제2 임대보증금 금액으로 감액될 시, 해당 경우에 적용되는 임대보증금 및 임대월세 간 전환율인 임대인보증금감액전환율에 따라 제1 임대월세 금액을 증액함으로써 책정될 수 있다.The second rent rent amount is the first rent rent amount according to the lease deposit increase rate, which is a conversion rate between the rent deposit and the rent rent, which is applied when the first rent deposit amount is increased to the second rent deposit amount. When the amount of the first lease deposit is reduced to the amount of the second lease deposit, the first rent amount is increased according to the rent guarantee deposit reduction rate, which is the conversion rate between the lease deposit and the rent rent. Can be formulated.
상기 임대인보증금증액전환율은, 상기 임대인보증금감액전환율보다 높게 설정될 수 있다.The lease security deposit conversion rate may be set higher than the lease security deposit reduction rate.
상기 임대월세 관리부는, 은행 서버로 하여금 매월 일정 일자마다 관리계좌에 예치된 금액 중 상기 제2 임대월세 금액을 상기 임대인의 계좌로 지불하도록 처리할 수 있다.The rent rent management unit may process a bank server to pay the second rent rent amount of money deposited in a management account at a predetermined date every month to the landlord's account.
본 발명의 일 실시예에 따르면, 임대관리업자가 임대인으로 하여금 임대 계약기간 도중, 임대 계약 조건을 자유롭게 변경 가능하도록 함으로써, 임대인의 자금 관리 효율성을 향상시킬 수 있다.According to an embodiment of the present invention, the lease management company can improve the landlord's money management efficiency by allowing the landlord to freely change the lease contract conditions during the lease contract period.
특히, 본 발명의 일 실시예에 따르면, 임대인이 임대 계약 조건을 자유롭게 조절함에 따라, 임대보증금을 유동화함으로써, 임대인의 자금 조달에 대한 편의성을 증대시킬 수 있다.In particular, according to an embodiment of the present invention, as the landlord freely adjusts the lease agreement conditions, by making the lease deposit fluidized, it is possible to increase the convenience of the landlord for financing.
본 발명의 효과는 상기한 효과로 한정되는 것은 아니며, 본 발명의 상세한 설명 또는 특허청구범위에 기재된 발명의 구성으로부터 추론 가능한 모든 효과를 포함하는 것으로 이해되어야 한다.The effects of the present invention are not limited to the above-described effects, but should be understood to include all the effects deduced from the configuration of the invention described in the detailed description or claims of the present invention.
도 1은 본 발명의 일 실시예에 따른 가변 월세 서비스 제공 시스템의 구성도이다.1 is a block diagram of a variable rent service providing system according to an embodiment of the present invention.
도 2는 본 발명의 일 실시예에 따른 임대관리업자 서버의 구성을 도시한 도면이다.2 is a diagram showing the configuration of a lease management server according to an embodiment of the present invention.
도 3은 본 발명의 일 실시예에 따른 임대인에 대한 가변 월세 서비스 제공 과정을 도시한 도면이다. 3 is a diagram illustrating a variable rent service providing process for a landlord according to an embodiment of the present invention.
도4는 본 발명의 제1 구현예에 따른 임대인, 임차인 및 임대관리업자 간의 임대차 계약 체결 과정을 도시한 도면이다.4 is a diagram illustrating a process of signing a lease agreement between a landlord, a tenant and a lease management company according to the first embodiment of the present invention.
도 5는 본 발명의 제1 구현예에 따른 임대인의 임대 계약 조건 변경 과정을 도시한 도면이다.5 is a diagram illustrating a process of changing a lease contract condition of the landlord according to the first embodiment of the present invention.
도 6은 본 발명의 제1 구현예에 따른 임차인의 임차 계약 조건 변경 과정을 도시한 도면이다.6 is a diagram illustrating a process of changing a tenancy contract condition of a tenant according to the first embodiment of the present invention.
도 7은 본 발명의 제2 구현예에 따른 임대인, 임차인 및 임대관리업자 간의 임대차 계약 체결 과정을 도시한 도면이다.7 is a diagram illustrating a lease contract conclusion process between a landlord, a tenant and a lease management company according to a second embodiment of the present invention.
도 8은 본 발명의 일 실시예에 따른 임대인 및 임차인의 전세 보증금 금액 및 월세 금액 간 전환율 차이에 따른 이윤 창출 구조를 도시한 도면이다.8 is a view showing a profit generation structure according to the conversion rate difference between the rent amount and the rent amount of the renter and tenant according to an embodiment of the present invention.
이하에서 첨부한 도면을 참조하여 본 발명을 설명하기로 한다. 그러나 본 발명은 여러 가지 상이한 형태로 구현될 수 있으며, 따라서 여기에서 설명하는 실시예로 한정되는 것은 아니다. 그리고 도면에서 본 발명을 명확하게 설명하기 위해서 설명과 관계없는 부분은 생략하였으며, 명세서 전체를 통하여 유사한 부분에 대해서는 유사한 도면 부호를 붙였다.Hereinafter, the present invention will be described with reference to the accompanying drawings. As those skilled in the art would realize, the described embodiments may be modified in various different ways, all without departing from the spirit or scope of the present invention. In the drawings, parts irrelevant to the description are omitted in order to clearly describe the present invention, and like reference numerals designate like parts throughout the specification.
명세서 전체에서, 어떤 부분이 다른 부분과 “연결”되어 있다고 할 때, 이는 “직접적으로 연결”되어 있는 경우뿐 아니라, 그 중간에 다른 부재를 사이에 두고 “간접적으로 연결”되어 있는 경우도 포함한다. 또한 어떤 부분이 어떤 구성요소를 “포함”한다고 할 때, 이는 특별히 반대되는 기재가 없는 한 다른 구성요소를 제외하는 것이 아니라 다른 구성요소를 더 구비할 수 있다는 것을 의미한다.Throughout the specification, when a part is "connected" to another part, this includes not only "directly connected" but also "indirectly connected" with another member in between. . In addition, when a part is said to "include" a certain component, this means that unless otherwise stated, it may further include other components rather than excluding the other components.
이하 첨부된 도면을 참고하여 본 발명의 실시예를 상세히 설명하기로 한다.Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings.
도 1은 본 발명의 일 실시예에 따른 가변 월세 서비스 제공 시스템의 구성도이다.1 is a block diagram of a variable rent service providing system according to an embodiment of the present invention.
도 1을 참조하면, 본 발명의 일 실시예에 따른 가변 월세 서비스 제공 시스템은 일 이상의 임대인 단말기(100), 일 이상의 임차인 단말기(200), 임대관리업자 서버(300) 및 은행 서버(400)를 포함할 수 있다.Referring to FIG. 1, a variable rent service providing system according to an embodiment of the present invention includes one or more tenant terminals 100, one or more tenant terminals 200, a lease manager server 300, and a bank server 400. It may include.
먼저, 통신망은 유선 및 무선 등과 같은 그 통신 양태를 가리지 않고 구성될 수 있다. 근거리 통신망(LAN : Local Area Network), 도시권 통신망(MAN : Metropolitan Area Network), 광역 통신망(WAN : Wide Area Network) 등 다양한 통신망으로 구성될 수 있다. 바람직하게는, 본 발명의 일 실시예에 따른 가변 월세 서비스 제공 시스템은 와이파이(Wi-Fi) 등의 무선통신 기술로 구현될 수 있다.First, a communication network can be configured without regard to its communication aspects such as wired and wireless. Local area network (LAN), metropolitan area network (MAN: Metropolitan Area Network), a wide area network (WAN) may be composed of a variety of communication networks. Preferably, the variable rent service providing system according to an embodiment of the present invention may be implemented by a wireless communication technology such as Wi-Fi.
임대인 단말기(100) 및 임차인 단말기(200)는 휴대폰, 스마트폰, PDA(Personal Digital Assistant), PMP(Portable Multimedia Player), 태블릿 PC 등과 같이 네트워크를 통하여 임대관리업자 서버(300) 및 은행 서버(400) 등의 외부 서버와 연결될 수 있고, 모든 종류의 핸드헬드(Handheld) 기반의 무선 통신 장치를 포함할 수 있으며, 이 외에도 데스크탑 PC, 태블릿 PC, 랩탑 PC, 셋탑 박스를 포함하는 IPTV와 같이, 네트워크를 통하여 제 임대관리업자 서버(300) 및 은행 서버(400) 등의 외부 서버와 연결될 수 있는 통신 장치도 포함할 수 있다.The tenant terminal 100 and the tenant terminal 200 are a lease management server 300 and a bank server 400 through a network such as a mobile phone, a smartphone, a personal digital assistant (PDA), a portable multimedia player (PMP), a tablet PC, and the like. Can be connected to an external server, and can include any type of handheld based wireless communication device, as well as a network such as IPTV including desktop PCs, tablet PCs, laptop PCs, and set-top boxes. It may also include a communication device that can be connected to an external server, such as the lease management server 300 and the bank server 400 through.
본 발명의 일 실시예에 따른 임대인 단말기(100) 및 임차인 단말기(200)는 웹 브라우저를 실행하여 웹 서버(미도시)로부터 제공되는 가변 월세 서비스 웹 페이지를 요청할 수 있다. 상기 웹 페이지의 요청은 웹 페이지의 주소 입력, 특정 웹 페이지에서 링크 선택, 검색 서비스를 제공하는 웹 페이지에서 검색 요청 등 다양한 방법으로 이루어질 수 있다.The tenant terminal 100 and the tenant terminal 200 according to an embodiment of the present invention may request a variable rent service web page provided from a web server (not shown) by executing a web browser. The request of the web page may be made by various methods such as inputting an address of a web page, selecting a link in a specific web page, and requesting a search in a web page providing a search service.
또한, 임대인 단말기(100) 및 임차인 단말기(200)에는 임대인 및 임차인에게 가변 월세 서비스를 제공하는 가변 월세 서비스 애플리케이션이 설치되어 있을 수 있다. 이때, 애플리케이션 관리 서버(미도시)는 다양한 애플리케이션을 배포할 수 있는 애플리케이션 스토어를 제공할 수 있는데, 가변 월세 서비스를 제공하는 서비스 제공자가 애플리케이션 스토어에 가변 월세 서비스 애플리케이션을 등록하면, 임대인 단말기(100) 및 임차인 단말기(200)는 애플리케이션 스토어에 등록된 가변 월세 서비스 애플리케이션을 다운로드 하여 메모리 내에 설치할 수 있다.In addition, the renter terminal 100 and the tenant terminal 200 may be installed with a variable rent service application that provides a variable rent service to the lessor and the lessee. In this case, the application management server (not shown) may provide an application store for distributing various applications. When the service provider providing the variable rent service registers the variable rent service application in the application store, the renter terminal 100 And the tenant terminal 200 may download the variable rent service application registered in the application store and install it in the memory.
상기 가변 월세 서비스 애플리케이션은 외부 서버 및 외부 장치와 통신할 수 있는 프로그램 모듈로써, 운영 시스템, 응용 프로그램 모듈 및 기타 프로그램 모듈의 형태로 임대인 단말기(100) 및 임차인 단말기(200) 또는 이와 통신 가능한 다른 장치에 포함될 수 있으며, 물리적으로는 여러 가지 공지의 기억 장치 상에 저장될 수 있다. 한 편, 이러한 프로그램 모듈은 본 발명에 따라 후술할 특정 업무를 수행하거나 특정 추상 데이터 유형을 실행하는 루틴, 서브루틴, 프로그램, 오브젝트, 컴포넌트, 데이터 구조 등을 포괄하지만, 이에 제한되지는 않는다.The variable rent service application is a program module that can communicate with an external server and an external device, and the tenant terminal 100 and the tenant terminal 200 or another device capable of communicating therewith in the form of an operating system, an application module, and other program modules. And may be physically stored on various known storage devices. On the other hand, such program modules include, but are not limited to, routines, subroutines, programs, objects, components, data structures, etc. that perform particular tasks or execute particular abstract data types, described below, in accordance with the present invention.
일 실시예에 따르면, 임대인 및 임차인은 각각 임대인 단말기(100) 및 임차인 단말기(200)를 통해 임대관리업자 서버(300)의 회원으로 가입할 수 있으며, 이에 따라 임대관리업자 서버(300)로부터 가변 월세 서비스를 제공받을 수도 있다.According to an embodiment, the lessor and the lessee may be registered as a member of the lease management server 300 through the lessee terminal 100 and the lessee terminal 200, and thus may be variable from the lease management server 300. You may be offered a rent service.
임대관리업자 서버(300)는 임대인 및 임차인에게 가변 월세 서비스를 제공하는 임대관리업자가 운영하는 서버일 수 있다.The lease manager server 300 may be a server operated by a lease manager that provides a variable rent rent service to the lessor and the lessee.
일 실시예에 따른 임대관리업자 서버(300)는 기존에 임대차 계약을 체결하지 않은, 즉, 임대차 거래중이 아닌 임대인의 임대 계약 요청 신호를 임대인 단말기(100)를 통해 수신할 수 있다. 다시 말해, 임대중이 아닌 부동산의 임대 계약 요청 신호를 수신할 수 있다.The leasing management server 300 according to an embodiment may receive a lease request signal of a landlord who has not entered into a lease, that is, not in a lease transaction, through the landlord terminal 100. In other words, it is possible to receive a lease request signal of the real estate that is not being rented.
또한, 일 실시예에 따르면, 임대관리업자 서버(300)는 기존에 임대차 계약을 체결한, 즉, 임대 거래중인 임대인의 임대 계약 요청 신호를 임대인 단말기(100)를 통해 수신할 수도 있다. 다시 말해, 임대중인 부동산의 임대 계약 요청 신호를 수신할 수 있다.In addition, according to an embodiment, the lease management server 300 may receive a lease contract request signal of a landlord who has previously concluded a lease, that is, a lease transaction, through the landlord terminal 100. In other words, it is possible to receive a rental contract request signal of the real estate being rented.
상기 임대 계약 요청은 임대인이 임대하기를 희망하는 부동산의 정보(이하, 임대 희망 부동산 정보)를 포함할 수 있으며, 예를 들어, 해당 부동산의 주소 정보, 면적 정보, 구조 정보, 시설 정보, 기존 임대 계약 조건 정보 등을 일 이상 포함할 수 있다.The lease request may include information of the real estate that the landlord wishes to rent (hereinafter referred to as lease information). For example, address information, area information, structure information, facility information, and existing lease of the real estate. May include more than one day.
이에 따라, 임대관리업자 서버(300)는 상기 임대 희망 부동산 정보를 토대로 상기 임대 희망 부동산의 가치를 평가함에 따라, 해당 부동산의 전세 가치인 기준임대가격을 책정할 수 있다.Accordingly, the lease management server 300 may set the reference rent price, which is a charter value of the corresponding real estate, by evaluating the value of the desired real estate on the basis of the lease desired real estate information.
또한, 상기 임대 계약 요청은 임대인이 임대관리업자와의 임대 계약 조건으로 설정하기 원하는 상기 임대 희망 부동산의 임대보증금(이하, 희망 임대보증금) 금액 정보 및 임대월세(이하, 희망 임대월세) 금액 정보를 포함할 수도 있다.In addition, the lease request is a lease deposit (hereinafter, the desired lease deposit) amount information and lease rent (hereinafter rent lease) amount information of the desired rented property that the landlord wants to set as the terms of the lease agreement with the lease management company; It may also include.
이때, 일 실시예에 따르면, 상기 임대인의 희망 임대보증금 금액 및 희망 임대월세 금액은 추후 상기 임대 희망 부동산을 임차하고자 하는 임차인의 희망 임차보증금 금액 및 희망 임차월세 금액과 상이할 수 있다.At this time, according to an embodiment, the desired rent deposit amount and the desired rent amount of the landlord may be different from the desired rent deposit amount and the desired rent amount of the tenant who intends to rent the desired rental property later.
이에 따라, 임대관리업자 서버(300)는 기 설정된 조달금리 및 상기 임대 희망 부동산의 기준임대가격을 참조함으로써, 상기 임대인의 희망 임대보증금 금액 및 희망 임대월세 금액이 임대 계약이 체결되기에 적합한지 여부를 판정할 수 있다.Accordingly, the lease management server 300 refers to the predetermined procurement rate and the reference rental price of the desired real estate, and whether the desired lease deposit amount and the desired rent rent amount of the landlord are suitable to conclude the lease contract. Can be determined.
상기 조달금리는 임대관리업자의 이윤을 보장하기 위하여, 임대관리업자가 자체적으로 설정한 목표 비율로서, 추후 임대관리업자가 임차인으로부터 수령하게 되는 임차보증금 금액에 대하여 임대인에게 지불하게 되는 임대월세 금액이 차지하는 비율일 수 있다.The procurement rate is a target rate set by the lease manager to ensure the profit of the lease manager, and the rent amount to be paid to the landlord for the lease deposit received by the tenant later. It may be a proportion.
이때, 상기 희망 임대보증금 금액 및 희망 임대월세 금액이 적합하지 않을 경우, 임대관리업자 서버(300)는 상기 희망 임대보증금 금액 및 상기 희망 임대월세 금액을 임대인 단말기(100)를 통해 임대인과 협상하여 조율할 수 있음은 물론이다.At this time, if the desired lease deposit amount and the desired rent rent amount is not suitable, the rental management server 300 negotiates the desired lease deposit amount and the desired rent rent amount with the landlord terminal 100 to negotiate Of course you can.
이후, 임대관리업자 서버(300)는 적합한 것으로 판정된 희망 임대보증금 금액 및 희망 임대월세 금액을 각각 해당 임대 계약 체결 시점의 임대보증금 금액 및 임대월세 금액인 초기 임대보증금 금액 및 초기 임대월세 금액으로 설정하고, 해당 임대 계약을 체결 완료 처리할 수 있다.Thereafter, the leasing management server 300 sets the desired lease deposit amount and the desired rent amount, which are determined to be appropriate, as an initial lease deposit amount and an initial lease rent amount, which are the lease deposit amount and the rent rent amount at the time of the conclusion of the corresponding rental contract. Then, the lease can be completed and processed.
이를 통해, 임대를 개시하고자 하는 임대인은 자신이 원하는 임대 조건으로 부동산을 임대할 수 있으며, 임대 거래중인 임대인은 체결 완료된 임대 계약 조건을 자신이 원하는 임대 조건으로 자유롭게 변경할 수 있다는 이점이 있다.Through this, the landlord who wants to start the lease can lease the real estate under his or her desired lease condition, and the landlord in the lease transaction can freely change the completed lease contract condition to his or her desired lease condition.
본 발명의 일 실시예에 따르면, 임대관리업자 서버(300)는 임대인과 임대 계약을 체결 완료할 시, 임대관리업자가 상기 임대 계약에 따라 상기 임대인에게 임대보증금을 지불할 것을 보증하는 보증상품에 가입할 수도 있다.According to an embodiment of the present invention, when the lease management server 300 concludes a lease with the landlord, the lease management company guarantees to pay the lease deposit to the landlord according to the lease agreement. You can also join.
또한, 임대관리업자 서버(300)는 임대인과 임대 계약을 체결 완료할 시, 은행 서버(400)로 하여금 상기 임대 계약에 대응하는 초기 임대보증금 금액 및 초기 임대월세 금액을 임대관리업자의 관리계좌로부터 상기 임대인의 계좌로 지불하도록 처리할 수 있다.In addition, when the lease manager server 300 concludes a lease agreement with the landlord, the bank server 400 causes the initial lease deposit amount and the initial rent rent amount corresponding to the lease agreement from the management account of the lease manager. The payment can be made to the landlord's account.
임대관리업자 서버(300)는 임대인과의 임대 계약기간 도중, 상기 임대 계약에 대응하는 임대보증금 금액을 증액 또는 감액시키는 임대보증금 변동 요청을 임대인 단말기(100)로부터 수신할 수 있으며, 이에 따라 상기 임대인의 임대 계약 상 책정되어있는 임대보증금 금액을 변동시킬 수 있다.The lease management server 300 may receive a lease deposit change request for increasing or decreasing the lease deposit amount corresponding to the lease contract from the tenant terminal 100 during the lease contract with the landlord. The lease deposit amount specified in the lease may be changed.
이때, 임대관리업자 서버(300)는 임대보증금 금액을 증액시키는 임대보증금 변동 요청을 수신함에 따라, 은행 서버(400)로 하여금 상기 증액된 만큼의 임대보증금 금액을 임대관리업자의 관리계좌로부터 상기 임대인의 계좌로 지불하도록 처리할 수 있으며, 이로 인하여 임대인은 필요 자금을 용이하게 조달할 수 있다는 이점이 있다.At this time, the lease manager server 300 receives the lease deposit change request to increase the lease deposit amount, the bank server 400 to increase the lease deposit amount as much as the increase from the management account of the lease manager lease It can be processed to pay to the account of, which has the advantage that the landlord can easily raise the necessary funds.
또한, 임대관리업자 서버(300)는 상기 임대인의 임대보증금 변동 요청에 따라 해당 임대보증금을 변동시킨 후, 임대관리업자가 기 설정한 임대보증금 및 임대월세 간 전환율을 적용함으로써 상기 변동된 임대보증금(이하, 변동 임대보증금) 금액에 대응하는 임대월세(이하, 변동 임대월세) 금액 또한 책정할 수도 있다.In addition, the lease manager server 300 changes the lease deposit according to the request for the change of the lease deposit of the landlord, and then by applying the conversion rate between the lease deposit and the rent rent set by the lease management company the rent lease ( The rent rent (hereinafter referred to as variable rent rent) corresponding to the variable rent guarantee amount may also be set.
뿐만 아니라, 임대관리업자 서버(300)는 임대인과의 임대 계약에 대한 거래 수수료인 임대수수료를 책정할 수 있으며, 이에 따라 상기 임대인으로 하여금 상기 임대수수료를 임대관리업자의 관리계좌로 지불하도록 처리할 수도 있다.In addition, the lease manager server 300 may set a lease fee, which is a transaction fee for a lease with the landlord, thereby processing the landlord to pay the lease fee to a management account of the lease manager. It may be.
일 실시예에 따른 임대관리업자 서버(300)는 기존에 임대차 계약을 체결하지 않은, 즉, 임대차 거래중이 아닌 임차인의 임차 계약 요청 신호를 임차인 단말기(200)를 통해 수신할 수 있다.The lease management server 300 according to an exemplary embodiment may receive, through the tenant terminal 200, a tenancy contract request signal of a tenant who has not previously concluded a lease, that is, is not in a lease transaction.
또한, 일 실시예에 따르면, 임대관리업자 서버(300)는 기존에 임대차 계약을 체결한, 즉, 임대차 거래중인 임차인의 임차 계약 요청 신호를 임차인 단말기(200)를 통해 수신할 수도 있다. In addition, according to an embodiment, the lease management server 300 may receive a lease contract request signal of a tenant who has previously concluded a lease, that is, a lease transaction, through the tenant terminal 200.
상기 임차 계약 요청은 임차인이 임차하기를 희망하는 부동산의 정보로서, 임대관리업자 서버(300)가 사전에 임대인과의 임대 계약 체결을 완료하는 과정에서 기준임대가격이 책정된 부동산의 정보를 포함할 수 있으며, 임차인이 현재 임차중인 부동산의 정보 및 이에 대한 기존 임차 계약 조건 정보를 포함할 수도 있다.The lease request is information on real estate that the tenant wishes to rent. The lease management server 300 may include information on the real estate for which the standard lease price is set in the process of completing the lease agreement with the landlord in advance. It may also include information on the property the tenant is currently renting and information on the existing tenancy agreement therefor.
또한, 상기 임차 계약 요청은 임차인이 임대관리업자와의 임차 계약 조건으로 설정하기 원하는 임차 희망 부동산의 임차보증금(이하, 초기 임차보증금) 금액 정보 및 임차월세(이하, 초기 임차월세) 금액 정보를 포함할 수도 있다.In addition, the lease request includes information on the amount of lease deposit (hereinafter referred to as initial lease) and information on lease rent (hereinafter referred to as initial rent) to the tenant who wishes to set the terms of the lease with the lease management company. You may.
이때, 일 실시예에 따르면, 상기 초기 임차보증금 금액 및 상기 초기 임차월세 금액은 해당 부동산의 기준임대가격을 기준으로 하여, 임대관리업자가 기 설정한 전월세전환율로서, 임차인과의 임차 계약 체결 시, 즉, 임차 개시 시 적용되는 임차보증금 및 임차월세 간 전환율인 임차인개시전환율이 적용됨에 따라 산정될 수도 있다.At this time, according to an embodiment, the initial lease deposit amount and the initial rent amount are based on the standard lease price of the property, and the rent rent rate is pre-set by the rental management company, when the lease agreement with the tenant, That is, it may be calculated according to the tenant's initiation conversion rate, which is the conversion rate between the lease deposit and rent rent applied at the start of tenancy.
이후, 임대관리업자 서버(300)는 임차 계약 체결 시점의 임차보증금 금액 및 임차월세 금액으로서 상기 초기 임차보증금 금액 및 초기 임차월세 금액을 확정하고, 해당 임차 계약을 체결 완료 처리할 수 있다.Thereafter, the lease management server 300 may determine the initial lease deposit amount and the initial rent amount as the lease deposit amount and the rent rent amount at the time of the lease contract conclusion, and may conclude and complete the corresponding lease contract.
이를 통해, 특정 부동산을 임차하고자 하는 임차인은 자신이 원하는 임차 조건으로 부동산을 임차할 수 있으며, 임차 거래중인 임차인은 체결 완료된 임차 계약 조건을 자신이 원하는 임차 조건으로 자유롭게 변경할 수 있다는 이점이 있다.Through this, a tenant who wants to lease a particular real estate can lease the real estate under his or her desired lease condition, and the tenant who is in the lease transaction can freely change the completed lease terms and conditions to his or her desired tenancy condition.
본 발명의 일 실시예에 따르면, 임대관리업자 서버(300)는 임차인과 임차 계약을 체결 완료할 시, 임대관리업자가 상기 임차 계약에 따라 상기 임차인에게 임차보증금을 반환할 것을 보증하는 보증상품에 가입할 수도 있다.According to an embodiment of the present invention, when the lease management server 300 concludes the lease with the tenant, the lease management company guarantees to return the lease deposit to the tenant in accordance with the lease You can also join.
또한, 임대관리업자 서버(300)는 임차인과 임차 계약을 체결 완료할 시, 상기 임차인으로 하여금 상기 임차 계약에 대응하는 초기 임차보증금 금액 및 초기 임차월세 금액을 임대관리업자의 관리계좌로 지불하도록 처리할 수 있다.In addition, when the lease management server 300 concludes the lease with the tenant, the tenant to pay the initial lease deposit amount and the initial rent amount corresponding to the lease agreement to the management account of the lease manager can do.
임대관리업자 서버(300)는 임차인과의 임차 계약기간 도중, 상기 임차 계약에 대응하는 임차보증금 금액을 증액 또는 감액시키는 임차보증금 변동 요청을 임차인 단말기(200)로부터 수신할 수 있으며, 이에 따라 상기 임차인의 임차 계약 상 책정되어있는 임차보증금 금액을 변동시킬 수 있다.The lease management server 300 may receive a change request from the tenant terminal 200 to increase or decrease the amount of the security deposit corresponding to the tenancy contract during the tenancy of the tenant, and thus, the tenant. The amount of the security deposit established in the lease agreement may be changed.
이때, 임대관리업자 서버(300)는 임차보증금 금액을 감액시키는 임차보증금 변동 요청을 수신함에 따라, 은행 서버(400)로 하여금 상기 감액된 만큼의 임차보증금 금액을 임대관리업자의 관리계좌로부터 상기 임차인의 계좌로 지불하도록 처리할 수 있으며, 이로 인하여 임차인은 필요 자금을 용이하게 조달할 수 있다는 이점이 있다.At this time, when the lease management server 300 receives a lease deposit change request for reducing the lease deposit amount, the bank server 400 receives the lease deposit amount as much as the reduced amount from the management account of the lease management company. It can be processed to pay to the account of, which has the advantage that the tenant can easily raise the necessary funds.
또한, 임대관리업자 서버(300)는 상기 임차인의 임차보증금 변동 요청에 따라 해당 임차보증금을 변동시킨 후, 임대관리업자가 기 설정한 임차보증금 및 임차월세 간 전환율을 적용함으로써 상기 변동된 임차보증금(이하, 변동 임차보증금) 금액에 대응하는 임차월세(이하, 변동 임차월세) 금액 또한 책정할 수도 있다.In addition, the lease management server 300 changes the lease deposit according to the tenant's request to change the lease deposit, after applying the conversion rate between the lease deposit and the rent rent preset by the lease management lease deposit ( Hereinafter, the rent amount (hereinafter referred to as variable rent) amount corresponding to the variable lease deposit amount may also be set.
뿐만 아니라, 임대관리업자 서버(300)는 임차인과의 임차 계약에 대한 거래 수수료인 임차수수료를 책정할 수 있으며, 이에 따라 상기 임차인으로 하여금 상기 임차수수료를 임대관리업자의 관리계좌로 지불하도록 처리할 수도 있다.In addition, the lease management server 300 may set a lease fee, which is a transaction fee for a tenancy agreement with the tenant, thereby processing the tenant to pay the lease fee to a management account of the lease manager. It may be.
일 실시예에 따르면, 임대관리업자 서버(300)는 사전에 신용보강기관 서버(미도시)를 통해 신용보강기관과 신용보강약정을 체결할 수 있으며, 이에 따라 관리계좌에 예치된 잔액이 상술한 임대월세 금액 지불 및 임차보증금 금액 반환을 위한 금액보다 모자랄 경우, 상기 신용보강기관으로부터 자금을 조달받아 상기 부족한 금액을 보충할 수 있다.According to an embodiment, the lease management server 300 may conclude a credit reinforcement agreement with a credit reinforcement institution through a credit reinforcement institution server (not shown) in advance, and accordingly, the balance deposited in the management account is described above. If the rent is less than the amount for paying rent and returning the deposit amount, it may be supplemented by the financing agency.
본 발명의 일 실시예에 따르면, 임대관리업자 서버(300)는 전술한 보증상품 또는 임대관리업자의 관리계좌에 예치된 자금을 운용할 수 있는 금융상품을 제공하는 자금 관리사를 일 이상 선정할 수 있다.According to an embodiment of the present invention, the lease management server 300 may select at least one fund management company that provides a financial product that can operate the funds deposited in the above-described guarantee product or the management account of the lease management company. have.
이하에서는 설명의 편의를 위하여 본 발명의 은행 서버(400)를 운영하는 은행이 거래 대상인 자금 관리사로 선정된 경우에 대하여 서술하나, 이에 한정되는 것은 아니며, 보증회사, 증권사, 펀드매니저 등과 같은 별도의 자금 관리사 또한 거래 대상으로 선정될 수 있음은 물론이다.Hereinafter, for convenience of explanation, a case in which a bank operating the bank server 400 of the present invention is selected as a fund management company to be dealt with is described, but is not limited thereto, and a separate company such as a guarantee company, a securities company, a fund manager, etc. Fund managers can also be selected for trading.
일 실시예에 따라, 상기 선정된 자금 관리사가 은행 서버(400)를 운영하는 은행일 경우, 임대관리업자 서버(300)는 상기 은행이 제공하는 보증상품 및 금융상품 중 일 이상에 해당하는 가입 요청을 은행 서버(400)로 전송함에 따라, 해당 보증상품 및 해당 금융상품에 가입할 수 있다.According to an embodiment, when the selected fund manager is a bank that operates a bank server 400, the lease manager server 300 may request a subscription corresponding to one or more of the guarantee products and financial products provided by the bank. By transmitting to the bank server 400, it is possible to subscribe to the guarantee product and the financial product.
이후, 임대관리업자 서버(300)는 상기 보증상품 가입에 따른 보증정보 및 상기 금융상품 가입에 따라 임대관리업자가 은행에 위탁한 자금의 운용 현황 정보 중 일 이상을 은행 서버(400)로부터 수신할 수도 있다.Thereafter, the rental management server 300 may receive from the bank server 400 one or more of the warranty information according to the warranty product subscription and the operation status information of the funds entrusted to the bank in accordance with the financial product subscription. It may be.
본 발명의 일 실시예에 따르면, 임대관리업자 서버(300)는 상기 은행 서버(400)로부터 수신한 보증정보 및 자금 운용 현황 정보를 임대관리업자의 신용 모델로서 임대인 단말기(100) 및 임차인 단말기(200)로 전송할 수 있다.According to an embodiment of the present invention, the lease management server 300 is a lease terminal 100 and the tenant terminal using the guarantee information and money management status information received from the bank server 400 as a credit model of the lease management company ( 200).
은행 서버(400)는 임대인의 계좌, 임차인의 계좌 및 가변 월세 서비스의 자금이 예치되는 임대관리업자의 계좌인 관리계좌 중 일 이상을 개설할 수 있으며, 상기 각 계좌에 예치된 자금의 입출금 프로세스를 수행하는 은행이 운영하는 서버일 수 있다.The bank server 400 may open one or more of a management account which is a tenant's account, a tenant's account, and an account of a lease manager in which funds of variable rent service are deposited. It may be a server operated by a running bank.
일 실시예에 따르면, 은행 서버(400)는 임대관리업자 서버(300)의 요청에 따라 관리계좌에 예치된 금액 중 일정 금액을 임대인의 계좌 및 임차인의 계좌로 지불하거나, 상기 임대인의 계좌 및 임차인의 계좌로부터 일정 금액을 관리계좌로 수령하여 예치시킬 수도 있다.According to an embodiment of the present disclosure, the bank server 400 pays a predetermined amount of the amount deposited in the management account to the landlord's account and the tenant's account, or the landlord's account and the tenant at the request of the lease management server 300. A certain amount of money may be received from the account and deposited in the management account.
뿐만 아니라, 본 발명의 일 실시예에 따른 은행 서버(400)는 상기 관리계좌에 예치된 금액 중 임차인으로부터 수령한 임차보증금 금액 중 임대인에게 지불한 임대보증금 금액을 제외한 금액 등과 같은 순유입현금에 해당하는 금액의 일정 비율을 상기 관리계좌에 의무예치되도록 처리할 수도 있다.In addition, the bank server 400 according to an embodiment of the present invention corresponds to the net inflow of cash, such as the amount of deposits received from the lessee lease deposit received from the tenant, excluding the amount of lease deposit paid to the landlord. A certain percentage of the amount may be processed to be mandatory in the management account.
또한, 일 실시예에 따른 은행 서버(400)는 은행이 제공하는 보증상품 및 금융상품 중 일 이상의 정보를 임대관리업자 서버(300)로 전송하고, 이에 대한 가입 요청을 임대관리업자 서버(300)로부터 수신하여 처리할 수 있다.In addition, the bank server 400 according to an embodiment transmits one or more information of the guarantee product and the financial product provided by the bank to the rental management server 300, and the subscription management server 300 for this subscription request Can be received from and processed.
이에 따라, 은행 서버(400)는 상기 임대관리업자가 가입한 보증상품 및 금융상품과 관련된 정보를 임대관리업자 서버(300)로 전송할 수도 있다.Accordingly, the bank server 400 may transmit information related to the guarantee product and the financial product subscribed to the lease management company to the lease management server 300.
도 2는 본 발명의 일 실시예에 따른 임대관리업자 서버(300)의 구성을 도시한 도면이다.2 is a diagram showing the configuration of the lease management server 300 according to an embodiment of the present invention.
도 2를 참조하면, 본 발명의 일 실시예에 따른 임대관리업자 서버(300)는 데이터베이스(310), 임대인 관리부(320), 임차인 관리부(330), 자금 관리부(340), 제어부(350) 및 통신부(360)를 포함할 수 있다.Referring to FIG. 2, the lease manager server 300 according to an embodiment of the present invention may include a database 310, a landlord manager 320, a tenant manager 330, a money manager 340, a controller 350, and the like. The communication unit 360 may include.
먼저, 데이터베이스(310)는 본 발명의 가변 월세 서비스를 이용하는 임대인과 관련된 정보, 임차인과 관련된 정보 및 임대관리업자 서버(300)가 임대인으로부터 임대하여 임차인에게 임차할 수 있는 임대 부동산과 관련된 정보 등을 일 이상 저장할 수 있다.First, the database 310 includes information related to the landlord using the variable monthly rent service of the present invention, information related to the tenant, and information related to the rental real estate that the lease management server 300 can rent from the landlord to the tenant. Can save more than days.
상기 임대인 정보는 해당 임대인의 이름 정보, 연락처 정보, 주소 정보, 계좌 정보 및 추후 임대인 관리부(320)를 통해 체결하게 되는 임대 계약 정보 등을 일 이상 포함할 수 있다.The landlord information may include at least one of name information, contact information, address information, account information, and lease contract information to be concluded through the landlord management unit 320.
또한, 상기 임차인 정보는 해당 임차인의 이름 정보, 연락처 정보, 주소 정보, 계좌 정보 및 추후 임차인 관리부(330)를 통해 체결하게 되는 임차 계약 정보 등을 일 이상 포함할 수 있다.In addition, the tenant information may include one or more of the tenant's name information, contact information, address information, account information and lease contract information to be concluded later through the tenant management unit 330.
뿐만 아니라, 상기 임대 부동산 정보는 해당 부동산의 주소 정보, 면적 정보, 구조 정보, 시설 정보 및 추후 임대인 관리부(320)를 통해 산정되는 전세 가격인 기준임대가격 정보 등을 일 이상 포함할 수 있다.In addition, the rental real estate information may include at least one of the address information, area information, structure information, facility information, and the reference lease price information, which is a charter price that is calculated through the renter management unit 320 later.
일 실시예에 따르면, 임대관리업자 서버(300)는 데이터베이스(310)에 저장된 정보들의 변경사항을 실시간으로 적용하여 저장할 수 있다.According to an embodiment, the lease management server 300 may apply and store changes of the information stored in the database 310 in real time.
이에 따라, 데이터베이스(310)에 저장된 임대인 정보, 임차인 정보 및 임대 부동산 정보 등은 주기적으로 최신화될 수도 있다.Accordingly, the landlord information, the tenant information, the rental real estate information, and the like stored in the database 310 may be updated periodically.
임대인 관리부(320)는 본 발명의 가변 월세 서비스를 이용하고자 하는 임대인 및 임대관리업자 간의 부동산 거래와 관련된 프로세스를 처리할 수 있다.The landlord management unit 320 may process a process related to a real estate transaction between a landlord and a lease management company who wants to use the variable rent service of the present invention.
본 발명의 일 실시예에 따르면, 임대인 관리부(320)는 임대 계약 처리부(321), 임대보증금 관리부(322), 임대월세 관리부(323) 및 임대수수료 관리부(324)를 포함할 수 있다.According to an embodiment of the present invention, the landlord manager 320 may include a lease contract processor 321, a lease deposit manager 322, a rent rent manager 323, and a rent fee manager 324.
먼저, 임대 계약 처리부(321)는 임대인이 임대관리업자에게 임대하고자 하는 부동산의 기준임대가격을 자체적으로 책정하고, 이를 토대로 상기 임대인과 임대 계약을 체결하는 프로세스를 수행할 수 있다.First, the lease contract processing unit 321 may self-determine the standard lease price of the real estate to be rented by the landlord to the lease management agent, and may perform a process of signing a lease with the landlord based on this.
구체적으로, 임대 계약 처리부(321)는 임대인 단말기(100)로부터 임대인의 임대 계약 요청 신호를 수신할 수 있다.In detail, the lease contract processor 321 may receive a lease contract request signal from the tenant terminal 100.
이때, 일 실시예에 따르면, 상기 임대인은 기존에 임대차 계약을 체결하지 않은, 즉, 임대차 거래중이 아닌 임대인으로서, 임대관리업자 서버(300)를 통해 새롭게 임대 계약을 체결하고자 하는 신규 임대인일 수 있다.At this time, according to an embodiment, the landlord may be a new landlord who does not have a lease contract, that is, a landlord who is not in a lease transaction, and intends to newly sign a lease contract through the lease management server 300. have.
또한, 다른 실시예에 따르면, 상기 임대인은 기존에 임대차 계약을 체결한, 즉, 임대차 거래중인 임대인으로서, 상기 기존에 체결된 임대차 계약의 계약 조건(임대보증금 금액, 임대월세 금액 등)을 본 발명의 가변 월세 서비스를 통해 변경하기 위한 임대 계약을 체결하고자 하는 기존 임대인일 수도 있다.In addition, according to another embodiment, the landlord is a landlord who has entered into a lease, that is, a lease transaction, and the contract terms (rental deposit amount, rent rent amount, etc.) of the previously concluded lease agreement are present inventions. You may also be an existing landlord who wants to sign a lease to change through his variable rent service.
이에 따라, 상기 임대 계약 요청 신호는 해당 임대인의 임대 희망 부동산 정보, 희망 임대보증금 금액 정보, 희망 임대월세 금액 정보, 기존 임대 계약 조건 정보 등을 일 이상 포함할 수 있다.Accordingly, the lease contract request signal may include at least one of rental property information, desired rental deposit amount information, desired rent amount information, existing rental contract condition information, and the like of the corresponding landlord.
이후, 본 발명의 일 실시예에 따른 임대 계약 처리부(321)는 상기 임대 희망 부동산이 위치한 지역의 부동산 시세 정보를 외부의 부동산 시세 정보 제공 서버(미도시)를 통해 수집하고, 상기 임대 희망 부동산의 입지 조건을 분석함으로써, 상기 시세 정보 및 상기 입지 조건을 토대로 상기 임대 희망 부동산의 금전적 가치를 평가할 수 있다.Thereafter, the lease contract processing unit 321 according to an embodiment of the present invention collects the real estate price information of the area where the desired real estate is located through an external real estate price information providing server (not shown), By analyzing the location conditions, it is possible to evaluate the monetary value of the rental desired real estate based on the market price information and the location conditions.
이에 따라, 임대 계약 처리부(321)는 상기 임대 희망 부동산을 전액 전세로 거래할 경우의 임대가격인 기준임대가격을 자체적으로 책정할 수 있다. Accordingly, the lease contract processing unit 321 may set the base lease price itself, which is a rental price when the rental desired real estate is traded in full.
일 실시예에 따르면, 임대 계약 처리부(321)는 상기 희망 임대보증금 금액 및 희망 임대월세 금액이 임대 계약을 체결할 수 있는 적합한 금액인지 여부를 판정하기 위하여, 상기 책정된 기준임대가격을 상기 희망 임대보증금 금액 및 상기 희망 임대월세 금액으로 전환할 시에 해당하는 전월세전환율(이하, 임대인개시전환율)을 산정할 수 있다.According to an embodiment, the lease contract processing unit 321 may determine the desired lease deposit amount and the desired lease rent amount based on the set standard rental price to determine whether the desired lease amount is a suitable amount to conclude a lease. When converting the deposit amount and the rent rent amount desired, the rent to cheonsei ratio (hereinafter referred to as renter's conversion rate) can be calculated.
예를 들면, 특정 임대 희망 부동산의 기준임대가격이 10억원일 수 있으며, 해당 임대인은 상기 임대 희망 부동산을 임대보증금 없이 임대월세 300만원으로 임대하기를 희망할 수도 있다. 이에 따라, 임대 계약 처리부(321)는 상기 기준임대가격인 10억원을 상기 희망 임대월세 금액인 300만원으로 전환할 시의 전환율을 연 3.6%로 산정할 수 있다.For example, the base rental price of a specific rental desired property may be 1 billion won, and the landlord may wish to lease the desired rental property with a rent rent of 3 million won without a deposit. Accordingly, the lease contract processing unit 321 may calculate a conversion rate of 3.6% per year when converting the standard rental price of 1 billion won into the desired rent amount of 3 million won.
이후, 임대 계약 처리부(321)는 상기 임대인개시전환율이 기 설정된 조달금리보다 낮을 시, 해당 희망 임대보증금 금액 및 해당 희망 임대월세 금액을 임대 계약 체결 가능한 적합 금액으로 판정할 수 있다.Thereafter, the lease contract processing unit 321 may determine that the desired lease deposit amount and the desired rent rent amount as a suitable amount to sign a lease when the lease start conversion rate is lower than a predetermined procurement rate.
예를 들면, 임대관리업자는 사전에 조달금리를 3.8%로 설정할 수 있으며, 특정 임대인의 임대 계약 요청에 따른 임대인개시전환율은 3.6%일 수 있다. 이에 따라, 임대 계약 처리부(321)는 상기 임대 계약 요청에 따른 희망 임대보증금 금액 및 희망 임대월세 금액을 임대 계약이 체결될 수 있는 적합한 금액으로 판정할 수 있다.For example, the lease manager may set the procurement rate to 3.8% in advance, and the lease start conversion rate may be 3.6% when a specific landlord requests a lease contract. Accordingly, the lease contract processing unit 321 may determine the desired lease deposit amount and the desired lease rent amount according to the lease request as a suitable amount to which the lease contract can be concluded.
또한, 본 발명의 일 실시예에 따르면, 상기 임대인개시전환율이 기 설정된 조달금리보다 높을 시, 임대 계약 처리부(321)는 상기 임대인개시전환율이 상기 조달금리보다 낮게 산정될 수 있도록 희망 임대보증금 금액 및 희망 임대월세 금액을 변경하는 요청 신호를 임대인 단말기(100)로 전송할 수 있다.In addition, according to an embodiment of the present invention, when the landlord start conversion rate is higher than the predetermined procurement rate, the lease contract processing unit 321 may be the desired lease deposit amount and so that the landlord start conversion rate is lower than the procurement rate; The request signal for changing the desired rent amount may be transmitted to the renter terminal 100.
이에 따라, 임대 계약 처리부(321)는 상기 희망 임대보증금 금액 및 희망 임대월세 금액 변경 요청에 대한 임대인의 응답 신호를 수신함으로써, 상기 희망 임대보증금 금액 및 희망 임대월세 금액을 임대 계약이 체결될 수 있는 적합한 금액으로 조율할 수 있다.Accordingly, the lease contract processing unit 321 receives a response signal from the landlord for the change in the desired lease deposit amount and the desired rent rent amount change request, so that the lease contract can be concluded with the desired lease deposit amount and the desired rent rent amount. You can tune in the right amount.
뿐만 아니라, 본 발명의 일 실시예에 따르면, 임대 계약 처리부(321)는 상기 임대인개시전환율이 기 설정된 조달금리보다 낮게 산정되었을 경우에도 상기 임대인 단말기(100)를 통해 임대인과 상기 임대인개시전환율을 낮추기 위한 협상을 수행함으로써, 임대관리업자의 이윤을 더욱 확보할 수도 있다.In addition, according to an embodiment of the present invention, the lease contract processing unit 321 lowers the landlord and the landlord start conversion rate through the landlord terminal 100 even when the landlord start conversion rate is calculated to be lower than a predetermined procurement rate. By negotiating for more, the lease manager's profits can be further secured.
일 실시예에 따르면, 상기 임대인개시전환율은 임대관리업자가 임대인에 대한 보증금 반환 및 월세 납입과 관련된 거래상대방 리스크를 인수하는 바, 이에 대한 위험도를 평가한 정도에 따라 책정될 수도 있다.According to one embodiment, the lease start conversion rate may be set according to the degree that the lease manager evaluates the risk of counterparty risks related to the return of the security deposit and the rent payment to the landlord.
이후, 임대 계약 처리부(321)는 상기 적합한 임대인개시전환율에 따라 확정된 희망 임대보증금 금액 및 희망 임대월세 금액을 각각 초기 임대보증금 금액 및 초기 임대월세 금액으로 설정하고, 해당 임대 계약을 체결 완료 처리할 수 있다.Thereafter, the lease contract processing unit 321 sets the desired lease deposit amount and the desired rent amount according to the appropriate lease start conversion rate as the initial lease deposit amount and the initial lease rent amount, respectively, and completes the lease contract. Can be.
이때, 일 실시예에 따른 임대 계약 처리부(321)는 상기 임대 계약을 체결한 임대인이 기존 임대인일 경우, 해당 기존 임대 계약에 대응하는 임차인이 상기 기존 임대인의 계좌로 지불하던 기존 임대월세 금액을 관리계좌로 입금되도록 처리할 수도 있다.At this time, the lease contract processing unit 321 according to an embodiment manages the existing rent rent amount paid by the tenant corresponding to the existing lease agreement to the account of the existing landlord, if the landlord that entered into the lease is the existing landlord. It can also be processed to be deposited into an account.
일 실시예에 따르면, 임대 계약 처리부(321)는 상기 체결 완료된 임대 계약 정보를 데이터베이스(310)에 저장할 수 있으며, 이에 따라 상기 임대 계약을 통해 임대인으로부터 임대한 부동산의 정보, 즉, 임대 부동산 정보 또한 데이터베이스(310)에 저장할 수 있다.According to an embodiment of the present disclosure, the lease contract processing unit 321 may store the concluded lease contract information in the database 310. Accordingly, information on the real estate rented from the landlord through the lease contract, that is, lease real estate information may also be stored. May be stored in the database 310.
이때, 임대 계약 처리부(321)는 상기 저장된 임대 부동산 정보를 가변 월세 서비스 웹 페이지 및 가변 월세 서비스 애플리케이션을 통해 표시할 수 있으며, 추후 임차인으로 하여금 상기 표시되는 임대 부동산 정보를 조회 및 선택 가능하도록 할 수도 있다.In this case, the rental contract processing unit 321 may display the stored rental real estate information through a variable rent service web page and a variable rent service application, and may later enable the tenant to inquire and select the displayed rental real estate information. have.
*본 발명의 일 실시예에 따른 임대 계약 처리부(321)는 임대인의 임대 계약기간이 만료될 시, 상기 임대인이 임대 계약을 유지하기를 원할 경우, 해당 임대 계약기간을 연장 처리할 수 있으며, 상기 임대인이 임대 계약을 해지하기를 원할 경우, 해당 임대 계약을 해지 처리 및 추후 임대보증금 관리부(322)로 하여금 정산 처리하도록 할 수도 있다.* The lease contract processing unit 321 according to an embodiment of the present invention may extend the corresponding lease contract period when the landlord wants to maintain the lease contract when the lease contract period expires. When the landlord wants to terminate the lease, the lease may be terminated and the lease deposit management unit 322 may process the settlement.
임대보증금 관리부(322)는 임대 계약이 체결 완료된 임대인의 임대보증금을 지불하거나 조정하는 프로세스를 수행할 수 있다.The lease deposit management unit 322 may perform a process of paying or adjusting a lease deposit of a landlord whose lease is concluded.
구체적으로, 본 발명의 일 실시예에 따라, 신규 임대인에 해당하는 임대인과 임대관리업자 간의 임대 계약이 체결 완료될 시, 임대보증금 관리부(322)는 해당 임대 계약에 따른 임대인의 초기 임대보증금 금액이 관리계좌로부터 상기 신규 임대인의 계좌로 지불되도록 처리할 수 있다.Specifically, according to an embodiment of the present invention, when the lease agreement between the landlord corresponding to the new landlord and the lease manager is completed, the lease deposit management unit 322 may determine the landlord's initial lease deposit amount according to the lease agreement. The payment can be made from the management account to the new landlord's account.
또한, 본 발명의 다른 실시예에 따라, 기존 임대인에 해당하는 임대인과 임대관리업자 간의 임대 계약이 체결 완료될 시, 임대보증금 관리부(322)는 상기 기존 임대인의 기존 임대 계약 조건 정보를 참조함으로써, 해당 부동산에 대한 임대보증금 금액이 변동된 만큼의 금액을 정산 처리할 수 있다.In addition, according to another embodiment of the present invention, when the lease agreement between the landlord corresponding to the existing landlord and the lease management is concluded, the lease deposit management unit 322 by referring to the existing lease agreement condition information of the existing landlord, The amount of the rental deposit on the property may be settled.
예를 들면, 기존 임대인은 자신의 임대 희망 부동산에 대하여 임대보증금 2억원 및 임대월세 240만원을 계약 조건으로 하는 임대차 계약을 사전에 체결 완료하였을 수 있다. 이때, 기존 임대인이 임대관리업자와의 임대 계약 체결 시, 초기 임대보증금 금액을 3억원으로 증액시켰을 경우, 임대보증금 관리부(322)는 관리계좌에 예치된 금액 중 상기 증액된 만큼의 금액인 1억원을 은행 서버(400)로 하여금 기존 임대인의 계좌로 지불하도록 할 수 있다. For example, an existing landlord may have previously concluded a lease agreement with a lease deposit of 200 million won and a monthly rent of 2.4 million won for his desired real estate. At this time, when the existing landlord concludes the lease with the lease management company, if the initial lease deposit amount increased to 300 million won, the lease deposit management unit 322 is 100 million won which is the amount of the increased amount of the deposit deposited in the management account To make the bank server 400 to pay to the existing landlord's account.
본 발명의 일 실시예에 따른 임대보증금 관리부(322)는 임대인과의 임대 계약기간 도중, 해당 임대 계약상 책정되어있는 임대보증금 금액을 임대인이 원하는 변동 임대보증금 금액으로 변동시키는 요청인 임대보증금 변동 요청 신호를 임대인 단말기(100)로부터 수신할 수 있다.The lease deposit management unit 322 according to an embodiment of the present invention, during the lease contract period with the landlord, the lease deposit change request, which is a request for changing the lease deposit amount determined by the lease to a variable lease deposit amount desired by the landlord. The signal may be received from the renter terminal 100.
이때, 임대보증금 관리부(322)는 상기 임대보증금 변동 요청이 임대보증금 금액을 증액시키는 요청일 경우, 상기 증액된 만큼의 금액이 관리계좌로부터 임대인의 계좌로 지불되도록 처리할 수 있으며, 임대보증금 금액을 감액시키는 요청일 경우, 임대인으로 하여금 상기 감액된 만큼의 금액을 관리계좌로 납입하도록 처리할 수 있다.At this time, if the rental deposit management unit 322 is a request to change the lease deposit amount is the request to increase the lease deposit amount, the increased amount can be processed to be paid from the management account to the landlord's account, the lease deposit amount In the case of a request to reduce, the lessor may proceed to pay the reduced amount to the management account.
예를 들면, 임대인의 임대 계약 조건으로서 임대보증금 금액이 2억원으로 책정되어있을 수 있다. 이때, 임대인은 상기 2억원을 3억원으로 증액시키는 요청 신호를 임대인 단말기(100)를 통해 임대보증금 관리부(322)로 전송할 수 있으며, 임대보증금 관리부(322)는 은행 서버(400)로 하여금 상기 증액된 만큼의 금액, 즉, 변동 전 금액과 변동 후 금액의 차액인 1억원을 상기 임대인의 계좌로 지불하도록 할 수 있다.For example, the lease deposit may be set at 200 million won as a condition of the lease's lease. At this time, the landlord may transmit the request signal for increasing the 200 million won to 300 million won through the landlord terminal 100 to the lease deposit management unit 322, the lease deposit management unit 322 to the bank server 400 to increase the increase. The amount of money, that is, the difference between the amount before the change and the amount after the change, 100 million won may be paid to the landlord's account.
본 발명의 일 실시예에 따르면, 임대보증금 관리부(322)는 임대 계약 처리부(321)를 통해 임대인의 임대 계약이 해지 처리되었을 경우, 상기 임대인에게 상기 임대 계약 상 최종적으로 책정되어있는 임대보증금 금액을 관리계좌로 반환 요청하는 신호를 임대인 단말기(100)로 전송할 수 있다.According to an embodiment of the present invention, when the lease deposit management unit 322 is terminated through the lease contract processing unit 321, the lease deposit amount is finally determined in the lease agreement to the landlord A signal for requesting a return to the management account may be transmitted to the lessee terminal 100.
이에 따라, 임대보증금 관리부(322)는 상기 임대인이 반환한 임대보증금 금액의 수령 여부를 은행 서버(400)를 통해 확인할 수 있다.Accordingly, the lease deposit management unit 322 may check through the bank server 400 whether or not the receipt of the lease deposit amount returned by the landlord.
임대월세 관리부(323)는 임대 계약이 체결 완료된 임대인의 임대월세를 지불하거나 조정하는 프로세스를 수행할 수 있다.The rent rent management unit 323 may perform a process of paying or adjusting the rent rent of the landlord whose lease agreement is concluded.
구체적으로, 임대인과 임대관리업자 간의 임대 계약이 체결 완료될 시, 임대월세 관리부(323)는 은행 서버(400)로 하여금 관리계좌에 예치된 금액 중 해당 임대 계약에 따른 임대인의 초기 임대월세 금액을 상기 임대인의 계좌로 지불하도록 처리할 수 있다.Specifically, when the lease agreement between the landlord and the lease management is concluded, the lease rent management unit 323 causes the bank server 400 to display the renter's initial rent amount according to the lease contract among the amounts deposited in the management account. The payment can be made to the landlord's account.
즉, 임대인은 임차인이 아닌 임대관리업자로부터 자신의 임대월세 금액을 납입받게 되며, 이에 따라 임대인은 월세 지급과 관련된 임차인과의 거래상대방 리스크로부터 벗어날 수 있다.That is, the landlord is paid the rent amount from the lease management company, not the tenant, so that the landlord can escape the risk of counterparty transactions with the tenant related to the rent payment.
또한, 일 실시예에 따르면, 임대월세 관리부(323)는 해당 임대 계약의 임대보증금 금액이 임대보증금 관리부(322)를 통해 변동되었을 경우, 기 설정된 임대보증금 및 임대월세 간의 전환율에 따라 해당 변동 임대보증금 금액에 대응하는 변동 임대월세 금액을 책정할 수 있다. In addition, according to one embodiment, the rent rent management unit 323, if the lease deposit amount of the lease is changed through the lease deposit management unit 322, the variable lease deposit in accordance with the conversion rate between the preset lease deposit and rent rent You can set a variable rent amount corresponding to the amount.
예를 들면, 임대인의 임대 계약 상 임대보증금 금액이 2억원으로, 임대월세 금액이 240만원으로 책정되어있을 수 있다. 이때, 임대인은 상기 임대보증금 금액을 3억원으로 증액시킬 수 있으며, 임대월세 관리부(323)는 상기 증액된 만큼의 금액인 1억원에 대하여 연 4.2%의 전환율이 적용된 35만원을 상기 240만원에서 감액함에 따라, 변동 임대월세 금액을 205만원으로 책정할 수 있다.For example, the lease deposit amount is 200 million won and the rent rent amount is 2.4 million won according to the landlord's lease. At this time, the landlord may increase the rent deposit amount to 300 million won, and the rent rent management unit 323 may reduce the amount of the increase from 350,000 won to 4.2 million won applied with a conversion rate of 4.2% per year from 240 million won. As a result, the variable rent can be set at 2.75 million won.
이때, 본 발명의 일 실시예에 따르면, 임대월세 관리부(323)는 상기 임대보증금 금액을 증액시킬 시 적용되는 임대보증금 및 임대월세 간 전환율인 임대인보증금증액전환율을 임대인이 임대보증금을 감액시킬 시 적용되는 임대보증금 및 임대월세 간 전환율인 임대인보증금감액전환율보다 높게 설정할 수 있다.At this time, according to an embodiment of the present invention, the rent rent management unit 323 is applied when the landlord decreases the lease deposit, the rent guarantee deposit conversion rate, which is a conversion rate between the lease deposit and the rent rent, which is applied when the rent amount is increased. It can be set higher than the leasehold deposit conversion rate, which is the conversion rate between the lease deposit and rent rent.
다시 말해, 임대인이 임대보증금 금액을 증액시킬 시, 이에 대응하는 임대월세 금액의 감소폭이 임대인이 임대보증금 금액을 감액시킬 시, 이에 대응하는 임대월세 금액의 증가폭보다 크도록 설정함으로써, 임대관리업자의 이윤을 보장할 수 있다. In other words, when the landlord increases the lease deposit amount, the decrease in the rent rent amount corresponding to it is set to be greater than the increase in the corresponding rent rent amount when the landlord reduces the rent amount. Profit can be guaranteed.
본 발명의 일 실시예에 따르면, 상기 임대인보증금증액전환율 및 임대인보증금감액전환율은 시중 은행의 주택담보대출금리보다 소정 비율 이상 높게 설정될 수 있다.According to an embodiment of the present invention, the lease security deposit conversion rate and the lease security deposit reduction rate may be set higher than a predetermined rate by a mortgage loan rate of a commercial bank.
뿐만 아니라, 임대인이 자신의 현재 임대보증금 금액을 임대계약 체결 시의 초기 임대보증금 금액보다 낮게 감액시키고자 하는 경우, 상기 임대인보증금감액전환율은 임대인으로 하여금 자신의 임대보증금의 추가감액분만큼 추가 예금의 효과를 누릴 수 있도록 시중 은행의 예금금리보다 소정 비율 이상 높되, 이러한 차익을 임대인이 악용하는 경우를 방지하기 위하여 시중 은행의 주택담보대출금리보다 소정 비율 이상 낮게 설정될 수도 있다.In addition, if the landlord wants to reduce his or her current lease deposit amount to be lower than the initial lease deposit amount at the time of the conclusion of the lease, the delinquency rate for the leaseholder guarantees the landlord to make an additional deposit of the amount of his or her deposit. In order to enjoy the effect, it may be set higher than a predetermined rate higher than a commercial bank's deposit rate, but lower than a predetermined rate lower than the commercial bank's mortgage rate in order to prevent a landlord from exploiting these profits.
또한, 상술한 임대월세 금액의 변동 프로세스를 통해 임대관리업자가 동일 부동산의 기준임대가격을 기준으로 임대인에게 지불하는 임대월세 금액의 책정 비율이 임차인으로부터 수령하는 임차월세 금액의 책정 비율보다 적게 설정될 수도 있으며, 이를 통해 상기 임대월세 금액 및 임차월세 금액 간 차액으로 인한 임대관리업자의 이윤이 발생할 수도 있음은 물론이다.In addition, through the above-described process of changing the rent amount, the rate of rent rent that the landlord pays to the landlord based on the standard rent price of the same property is set to be less than the rate of rent rent received from the lessee. It is also possible, through which the profits of the leasing manager due to the difference between the rent rent amount and the rent rent amount may of course occur.
일 실시예에 따른 임대월세 관리부(323)는 매월 일정한 일자에 임대인의 임대월세 금액을 관리계좌로부터 상기 임대인의 계좌로 지불 요청하는 신호를 은행 서버(400)로 전송함으로써, 상기 임대인에게 상기 임대월세 금액을 지불할 수 있다.The rent rent management unit 323 according to an embodiment transmits a signal for requesting payment of a renter's rent rent amount from a management account to the landlord's account to a bank server 400 on a predetermined date every month, thereby giving the renter the rent renter. You can pay the amount.
이때, 일 실시예에 따르면, 은행 서버(400)는 매월 임대관리업자가 지정한 일자마다 임대인의 임대월세 금액을 관리계좌로부터 상기 임대인의 계좌로 자동이체 처리할 수도 있다.At this time, according to an embodiment, the bank server 400 may automatically process the rent rent amount of the landlord from the management account to the landlord's account every day designated by the rental management company.
임대수수료 관리부(324)는 임대인의 임대수수료를 책정하고, 수령하는 프로세스를 수행할 수 있다.The rental fee management unit 324 may perform a process of setting and receiving the rental fee of the landlord.
구체적으로, 임대수수료 관리부(324)는 임대 계약이 체결 완료된 임대인에 대하여 기 지정된 임대수수료 책정 조건에 따라 상기 임대 계약에 대한 임대수수료를 책정할 수 있다.In detail, the lease fee management unit 324 may set a lease fee for the lease contract according to a predetermined lease fee setting condition for the landlord who has completed the lease contract.
이때, 본 발명의 일 실시예에 따른 임대수수료 관리부(324)는 임대인의 임대 계약기간이 만료되었을 시, 상기 만료된 임대 계약에 대한 임대수수료를 책정할 수 있으며, 예를 들면, 상기 임대 계약기간 도중 변동된 임대월세 금액의 평균치 중 일정 비율만큼의 금액을 임대수수료로 책정할 수도 있다.At this time, the lease fee management unit 324 according to an embodiment of the present invention may set a lease fee for the expired lease contract when the lease lease contract period is expired, for example, the lease contract period The lease fee may be set as a percentage of the average value of the rent rent changed in the meantime.
이에 따라, 임대수수료 관리부(324)는 해당 임대인에게 상기 책정된 임대수수료를 관리계좌로 납입 요청하는 신호를 임대인 단말기(100)로 전송할 수 있으며, 상기 임대수수료의 수령 여부를 은행 서버(400)를 통해 확인할 수 있다.Accordingly, the lease fee management unit 324 may transmit a signal requesting the renter to pay the lease fee to a management account to the landlord terminal 100, and the bank server 400 determines whether the lease fee has been received. You can check
임차인 관리부(330)는 본 발명의 가변 월세 서비스를 이용하고자 하는 임차인 및 임대관리업자 간의 부동산 거래와 관련된 프로세스를 처리할 수 있다.The tenant manager 330 may process a process related to a real estate transaction between the tenant and the rental manager who wants to use the variable rent service of the present invention.
본 발명의 일 실시예에 따르면, 임차인 관리부(330)는 임차 계약 처리부(331), 임차보증금 관리부(332), 임차월세 관리부(333) 및 임차수수료 관리부(334)를 포함할 수 있다.According to an embodiment of the present invention, the tenant management unit 330 may include a lease contract processing unit 331, lease deposit management unit 332, lease rent management unit 333 and lease fee management unit 334.
먼저, 임차 계약 처리부(331)는 임차인과 임차 계약을 체결하는 프로세스를 수행할 수 있다.First, the lease contract processing unit 331 may perform a process of signing a lease with the tenant.
구체적으로, 임차 계약 처리부(331)는 임차인 단말기(200)로부터 임차인의 임차 계약 요청 신호를 수신할 수 있으며, 상기 임차 계약 요청 신호는 해당 임차인의 임차 희망 부동산 정보, 희망 임차보증금 금액 정보, 희망 임차월세 금액 정보, 기존 임차 계약 조건 정보 등을 일 이상 포함할 수 있다.Specifically, the tenancy contract processing unit 331 may receive a tenant's tenancy contract request signal from the tenant terminal 200, the tenant contract request signal is the tenant's desired real estate information, desired lease deposit amount information, desired tenancy It may include more than one day's rent information and existing lease terms and conditions.
이때, 일 실시예에 따르면, 상기 임차인은 기존에 임대차 계약을 체결하지 않은, 즉, 임대차 거래중이 아닌 임차인으로서, 임대관리업자 서버(300)를 통해 새롭게 임차 계약을 체결하고자 하는 신규 임차인일 수 있다.At this time, according to an embodiment, the tenant may be a new tenant who has not previously signed a lease, that is, a tenant who is not currently in a lease transaction, and intends to sign a new lease through the lease management server 300. have.
일 실시예에 따르면, 신규 임차인은 임차인 단말기(200)를 통해 임차 계약 처리부(331)로 임차 계약 요청 신호를 전송하기 위하여, 가변 월세 서비스 웹 페이지 또는 가변 월세 서비스 애플리케이션을 통해 자신이 임차하기를 희망하는 임차 희망 부동산을 선택할 수 있다.According to one embodiment, the new tenant hopes to rent himself through the variable rent service web page or the variable rent service application in order to transmit a lease request signal to the lease contract processing unit 331 through the tenant terminal 200. You can choose to rent real estate.
이때, 본 발명의 일 실시예에 따르면, 상기 임차 희망 부동산은 임대관리업자 서버(300)가 임대인 관리부(320)를 통해 임대인으로부터 임대한 부동산으로서, 사전에 기준임대가격이 책정된 부동산일 수 있다.At this time, according to an embodiment of the present invention, the lease desired real estate is a real estate rented by the lease management server 300 from the landlord through the landlord management unit 320, it may be a real estate with a predetermined base rental price in advance. .
이에 따라, 신규 임차인은 임차 희망 부동산에 대하여 기 책정된 기준임대가격에 기 설정된 임차인개시전환율을 적용함으로써, 희망 임차보증금 금액 및 이에 대응하는 희망 임차월세 금액을 산정할 수 있다.Accordingly, the new tenant may calculate the desired lease deposit amount and the corresponding preferred rent amount by applying the preset tenant start conversion rate to the predetermined standard lease price for the desired real estate.
예를 들면, 임차인개시전환율은 연 4.2%로 설정되어있을 수 있으며, 신규 임차인의 임차 희망 부동산의 기준임대가격은 10억원으로 책정되어있을 수 있다. 이에 따라, 신규 임차인은 자신의 희망 임차보증금 금액을 8억원으로 설정함으로써, 이에 대응하는 희망 임차월세 금액을 70만원으로 산정할 수 있다.For example, the starting tenant conversion rate may be set at 4.2% per year, and the new tenant's base rental price may be set at 1 billion won. Accordingly, the new tenant may calculate the amount of the desired rent amount to 700,000 won by setting the amount of the desired lease deposit to 800 million won.
일 실시예에 따르면, 상기 임차인개시전환율은 임대관리업자가 임차인에 대한 보증금 반환 및 월세 수령과 관련된 거래상대방 리스크를 인수하는 바, 이에 대한 위험도를 평가한 정도에 따라 책정될 수도 있다.According to one embodiment, the renter start conversion rate may be set according to the degree that the lease manager evaluates the risk of counterparty risk associated with the return of the security deposit and the rent payment to the tenant.
또한, 다른 실시예에 따르면, 상기 임차인은 기존에 임대차 계약을 체결한, 즉, 임대차 거래중인 임차인으로서, 상기 기존에 체결된 임대차 계약의 계약 조건(임차보증금 금액, 임차월세 금액 등)을 본 발명의 가변 월세 서비스를 통해 변경하기 위한 임차 계약을 체결하고자 하는 기존 임차인일 수도 있다.In addition, according to another embodiment, the tenant is a tenant who has previously concluded a lease, that is, a tenant in a lease transaction, and the contract terms (rental deposit amount, rent amount, etc.) of the previously concluded lease agreement are present invention. You may also be an existing tenant who wants to sign a lease to change through your variable rent service.
이 경우, 기존 임차인은 기존 임차 계약에 대응하는 부동산의 전세 가격 또는 해당 부동산에 대하여 임차 계약 처리부(331)가 자체적으로 책정한 기준임대가격에 기 설정된 임차인개시전환율을 적용함으로써, 희망 임차보증금 금액 및 이에 대응하는 희망 임차월세 금액을 산정할 수 있다.In this case, the existing tenant applies the rent renter's start conversion rate to the lease price of the real estate corresponding to the existing tenancy contract or the standard lease price set by the tenancy contract processing unit 331 on the property, thereby providing the desired lease deposit amount and Corresponding preferred rent amount can be calculated.
본 발명의 일 실시예에 따르면, 상기 임차인개시전환율은 신규 임차인 및 기존 임차인에 대하여 각각 상이하게 적용될 수도 있다.According to an embodiment of the present invention, the tenant start conversion rate may be differently applied to the new tenant and the existing tenant, respectively.
예를 들면, 임대관리업자와 임차 계약을 체결하고자 하는 임차인이 신규 임차인일 경우, 해당 신규 임차인에게는 연 4.2%의 임차인개시전환율이 적용될 수 있다. 뿐만 아니라, 임대관리업자와 임차 계약을 체결하고자 하는 임차인이 기존 임차인일 경우, 기존에 체결된 임대차 계약을 기준으로 하여, 임차보증금 금액을 증액시키고자 하는 경우에는 연 3.6%의 임차인개시전환율이, 감액시키고자 하는 경우에는 연 4.3%의 임차인개시전환율이 적용될 수도 있다.For example, if the tenant who wants to sign a lease with the lease manager is a new tenant, the new tenant may be subject to an annual conversion rate of 4.2%. In addition, if the tenant who intends to enter into a lease with the lease management company is an existing tenant, if the tenant intends to increase the amount of the guarantee deposit based on the existing tenancy, the tenant's initial conversion rate is 3.6%. If the reduction is to be made, an annual rent conversion rate of 4.3% may apply.
이후, 임차 계약 처리부(331)는 상기 희망 임차보증금 금액 및 희망 임차월세 금액을 각각 초기 임차보증금 금액 및 초기 임차월세 금액으로 설정하고, 해당 임차 계약을 체결 완료 처리할 수 있다. Thereafter, the lease contract processing unit 331 may set the desired lease deposit amount and the desired lease rent amount as an initial lease deposit amount and an initial lease rent amount, respectively, and complete a corresponding lease contract.
또한, 본 발명의 일 실시예에 따른 임차 계약 처리부(331)는 해당 임차 계약에 따라 임차인으로부터 수령하게 되는 임차보증금 금액을 추후 자금 관리부(340)를 통해 운용하는 것에 대한 동의 여부를 임차인 단말기(200)를 통해 임차인으로부터 선택받을 수도 있다.In addition, the lease contract processing unit 331 according to an embodiment of the present invention tenant terminal 200 whether or not to agree to operate the amount of the guarantee deposit received from the tenant in accordance with the lease later through the money management unit 340 You can also choose from tenants.
이에 따라, 임차 계약 처리부(331)는 해당 임차 계약 정보 및 임차인의 자금 운용 동의 여부 정보를 데이터베이스(310)에 저장할 수도 있다.Accordingly, the lease contract processing unit 331 may store the lease contract information and the tenant's money operation consent information in the database 310.
일 실시예에 따르면, 임차 계약 처리부(331)는 임차인의 임차 계약기간이 만료될 시, 상기 임차인이 임차 계약을 유지하기를 원할 경우, 해당 임차 계약기간을 연장 처리할 수 있으며, 상기 임차인이 임차 희망 부동산을 변경하고자 하는 경우, 해당 임차 계약 조건을 상기 새로운 임차 희망 부동산에 대응하도록 재설정하고, 추후 임차보증금 관리부(332)로 하여금 정산 처리되도록 할 수도 있다.According to one embodiment, the tenancy contract processing unit 331, when the tenant's tenancy contract expires, if the tenant wants to maintain the lease, the tenant can extend the lease period, the tenant rents If the desired real estate is to be changed, the terms of the lease may be reset to correspond to the new desired real estate, and the lease deposit management unit 332 may be settled later.
뿐만 아니라, 임차 계약 처리부(331)는 상기 임차인이 임차 계약을 해지하기를 원할 경우, 해당 임차 계약을 해지 처리 및 추후 임차보증금 관리부(332)로 하여금 정산 처리하도록 할 수도 있다.In addition, when the tenant wants to terminate the tenancy agreement, the tenancy contract processing unit 331 may terminate the tenancy agreement and allow the tenancy deposit management unit 332 to settle the settlement.
임차보증금 관리부(332)는 임차 계약이 체결 완료된 임차인의 임차보증금을 수령하거나 조정하는 프로세스를 수행할 수 있다.The lease deposit management unit 332 may perform a process of receiving or adjusting a lease deposit of a tenant whose lease contract is concluded.
구체적으로, 본 발명의 일 실시예에 따라, 신규 임차인에 해당하는 임차인과 임대관리업자 간의 임차 계약이 체결 완료될 시, 임차보증금 관리부(332)는 해당 임차 계약에 따른 초기 임차보증금 금액을 관리계좌로 납입 요청하는 신호를 상기 신규 임차인의 임차인 단말기(200)로 전송할 수 있다.Specifically, according to an embodiment of the present invention, when the tenancy agreement between the tenant corresponding to the new tenant and the lease management contract is completed, the tenancy deposit management unit 332 manages the initial tenancy deposit amount according to the tenancy agreement management account The payment request signal may be transmitted to the tenant terminal 200 of the new tenant.
이에 따라, 임차보증금 관리부(332)는 은행 서버(400)를 통해 상기 초기 임차보증금 금액의 수령 여부를 확인할 수 있다.Accordingly, the lease deposit management unit 332 may check whether the initial lease deposit amount is received through the bank server 400.
또한, 본 발명의 다른 실시예에 따라, 기존 임차인에 해당하는 임차인과 임대관리업자 간의 임차 계약이 체결 완료될 시, 임차보증금 관리부(332)는 상기 기존임차인의 기존 임차 계약 조건 정보를 참조함으로써, 상기 기존 임차 계약의 계약기간이 만료되었을 시, 상기 기존 임차인이 해당 기존 임차 계약에 대응하는 임대인에게 지불한 기존 임차보증금 금액을 해당 임대인으로 하여금 관리계좌로 지불하도록 처리할 수 있다. In addition, according to another embodiment of the present invention, when the tenancy agreement between the tenant corresponding to the existing tenant and the lease management is concluded, the tenancy deposit management unit 332 refers to the existing tenancy agreement conditions information of the existing tenant, When the contract period of the existing lease expires, the existing tenant can pay the landlord the amount of the lease deposit paid to the landlord corresponding to the existing lease agreement to the landlord to pay to the management account.
이후, 임차보증금 관리부(332)는 상기 수령한 기존 임차보증금 금액이 임차 계약 처리부(331)를 통해 체결된 임차 계약에 따라 설정된 초기 임차보증금 금액으로 변동된 만큼의 금액을 정산 처리할 수 있다.Thereafter, the lease deposit management unit 332 may settle the amount of the amount of the existing lease deposit received by the initial lease deposit amount set according to the lease contract concluded through the lease contract processing unit 331.
예를 들면, 기존 임차인은 특정 부동산에 대하여 임차보증금 8억원 및 임대월세 70만원을 계약 조건으로 하는 임대차 계약을 사전에 체결 완료하였을 수 있으며, 이에 따라 임대관리업자는 상기 임대차 계약에 대응하는 임대인으로부터 상기 8억원을 관리계좌로 입금 받을 수 있다. 이후, 기존 임차인이 임대관리업자와의 임차 계약 체결 시, 임대보증금 금액을 7억원으로 감액시켰을 경우, 임차보증금 관리부(332)는 관리계좌에 예치된 금액 중 상기 감액된 만큼의 금액인 1억원을 은행 서버(400)로 하여금 기존 임차인의 계좌로 지불하도록 할 수 있다. For example, an existing tenant may have previously concluded a lease contract for a certain real estate with a guarantee deposit of 800 million won and a rent rent of 700,000 won, so that the lease manager may receive a contract from the landlord corresponding to the lease. The 800 million won can be deposited into a management account. Thereafter, when the existing tenant concludes a tenancy agreement with the lease management company, if the lease deposit amount is reduced to 700 million won, the lease deposit management unit 332 may reduce 100 million won, which is an amount equivalent to the reduced amount of the deposit deposited in the management account. The bank server 400 may be made to pay into an existing tenant's account.
본 발명의 일 실시예에 따른 임차보증금 관리부(332)는 임차인과의 임차 계약기간 도중, 해당 임차 계약상 책정되어있는 임차보증금 금액을 임차인이 원하는 변동 임차보증금 금액으로 변동시키는 요청인 임차보증금 변동 요청 신호를 임차인 단말기(200)로부터 수신할 수 있다.Lease deposit management unit 332 according to an embodiment of the present invention, during the lease agreement with the tenant, the lease deposit change request, which is a request for varying the lease deposit amount established in the lease agreement to the desired amount of variable lease deposit The signal may be received from the tenant terminal 200.
이때, 임차보증금 관리부(332)는 상기 임차보증금 변동 요청이 임차보증금 금액을 감액시키는 요청일 경우, 상기 감액된 만큼의 금액이 관리계좌로부터 임차인의 계좌로 지불되도록 처리할 수 있으며, 임차보증금 금액을 증액시키는 요청일 경우, 임차인으로 하여금 상기 증액된 만큼의 금액을 관리계좌로 납입하도록 처리할 수 있다.At this time, if the lease deposit management unit 332 is a request to change the lease deposit amount is a request to reduce the deposit amount, the reduced amount can be processed to be paid from the management account to the tenant's account, the lease deposit amount In the case of an increase request, the lessee may be required to pay the increased amount to the management account.
예를 들면, 임차인의 임차 계약 조건으로서 임차보증금 금액이 8억원으로 책정되어있을 수 있다. 이때, 임차인은 상기 8억원을 7억원으로 감액시키는 요청 신호를 임차인 단말기(200)를 통해 임차보증금 관리부(332)로 전송할 수 있으며, 임차보증금 관리부(332)는 상기 감액된 만큼의 금액, 즉, 변동 전 금액과 변동 후 금액의 차액인 1억원을 은행 서버(400)로 하여금 상기 임차인의 계좌로 지불하도록 할 수 있다.For example, as a condition of the tenant's tenancy, the amount of the security deposit may be set at 800 million won. At this time, the tenant may transmit a request signal for reducing the 800 million won to 700 million to the tenancy deposit management unit 332 through the tenant terminal 200, the tenancy deposit management unit 332 is the amount of the reduced amount, that is, The bank server 400 may pay 100 million, which is the difference between the amount before the change and the amount after the change, to the tenant's account.
본 발명의 일 실시예에 따르면, 임차보증금 관리부(332)는 임차 계약 처리부(331)를 통해 임차인의 임차 계약이 해지 처리되었을 경우, 은행 서버(400)로 하여금 관리계좌에 예치된 금액 중 상기 임차 계약 상 최종적으로 책정되어있는 임차보증금 금액을 상기 임차인의 계좌로 지불하도록 할 수 있다.According to an embodiment of the present invention, the lease deposit management unit 332, when the tenant's tenancy contract is terminated through the tenancy contract processing unit 331, the bank server 400 the lease of the amount deposited in the management account The lease deposit amount finally settled in the contract may be paid to the tenant's account.
즉, 임차인은 임대인이 아닌 임대관리업자로부터 자신의 임차보증금 금액을 반환 받게 되며, 이에 따라 임차인은 보증금 반환과 관련된 임대인과의 거래상대방 리스크로부터 벗어날 수 있다.That is, the tenant is returned from the lease manager, not the lessor, the amount of his deposit, so that the tenant can escape the risk of counterparty with the landlord associated with the return of the deposit.
임차월세 관리부(333)는 임차 계약이 체결 완료된 임차인의 임차월세를 수령하거나 조정하는 프로세스를 수행할 수 있다.The rent rent management unit 333 may perform a process of receiving or adjusting the rent rent of the tenant who has completed the lease contract.
구체적으로, 임차인과 임대관리업자 간의 임차 계약이 체결 완료될 시, 임차월세 관리부(333)는 상기 임차인에게 해당 임차 계약에 따른 초기 임차월세 금액을 관리계좌로 납입 요청하는 신호를 임차인 단말기(200)로 전송할 수 있으며, 상기 초기 임차월세 금액 수령 여부를 은행 서버(400)를 통해 확인할 수 있다.Specifically, when the tenancy agreement between the tenant and the lease management is concluded, the lease rent management unit 333 signals the tenant to pay the initial rent amount to the management account according to the tenant renter terminal 200 It can be transmitted to, and can check through the bank server 400 whether the initial rent amount received.
또한, 본 발명의 일 실시예에 따라, 상기 임차 계약이 체결된 임차인이 기존 임차인일 경우, 임차월세 관리부(333)는 은행 서버(400)로 하여금 상기 기존 임차인의 기존 임차 계약에 따른 기존 임차월세 금액을 상기 기존 임차 계약에 대응하는 임대인의 계좌로 지불하도록 할 수도 있다.In addition, according to an embodiment of the present invention, if the tenant with whom the tenancy contract is concluded is an existing tenant, the lease rent management unit 333 causes the bank server 400 to make an existing lease rent according to the existing tenant agreement of the existing tenant. The amount may be paid to the landlord's account corresponding to the existing lease.
이때, 상기 기존 임차월세 금액은 상기 임차인이 상기 기존 임차 계약에 대응하는 부동산을 임차하는 임차 계약기간 동안 매월 지정된 일자마다 지불될 수도 있다.At this time, the rent amount of the existing rent may be paid every designated day during the lease period in which the tenant leases the real estate corresponding to the existing lease contract.
일 실시예에 따르면, 임차월세 관리부(333)는 해당 임차 계약의 임차보증금 금액이 임차보증금 관리부(332)를 통해 변동되었을 경우, 기 설정된 임차보증금 및 임차월세 간의 전환율에 따라 해당 변동 임차보증금 금액에 대응하는 변동 임차월세 금액을 책정할 수 있다.According to one embodiment, the lease rent management unit 333, if the lease deposit amount of the lease is changed through the lease deposit management unit 332, according to the conversion rate between the lease deposit and the rent rent in accordance with the variable lease deposit amount You can set the corresponding variable rent amount.
예를 들면, 임차인의 임차 계약 상 임차보증금 금액이 8억원으로, 임차월세 금액이 70만원으로 책정되어있을 수 있다. 이때, 임차인은 상기 임차보증금 금액을 7억원으로 감액시킬 수 있으며, 임차월세 관리부(333)는 상기 감액된 만큼의 금액인 1억원에 대하여 연 5.25%의 전환율이 적용된 43만7500원을 상기 70만원에서 증액시킴에 따라, 변동 임차월세 금액을 113만7500원으로 책정할 수 있다.For example, in the tenant's lease contract, the amount of the security deposit is 800 million won and the rent amount is 700,000 won. At this time, the tenant may reduce the amount of the deposit guarantee to 700 million won, rent lease management unit 333 is applied to the amount of the reduced amount of 100 million won was applied to the conversion rate of 5.25% annually 43,750 million won 700,000 won As we increase from, we can set a variable rent amount to 1.11375 million won.
이때, 본 발명의 일 실시예에 따르면, 임차월세 관리부(333)는 상기 임차보증금 금액을 감액시킬 시 적용되는 임차보증금 및 임차월세 간 전환율인 임차인보증금감액전환율을 임차인이 임차보증금을 증액시킬 시 적용되는 임차보증금 및 임차월세 간 전환율인 임차인보증금증액전환율보다 높게 설정할 수 있다.At this time, according to an embodiment of the present invention, the lease rent management unit 333 is applied when the tenant increases the lease deposit to reduce the lease deposit and the deposit guarantee rate, which is the rate of conversion between the lease deposit and the rent rent applied when the amount is reduced It can be set higher than the lease deposit increase rate, which is the conversion rate between the lease deposit and rent rent.
다시 말해, 임차인이 임차보증금 금액을 감액시킬 시, 이에 대응하는 임차월세 금액의 증가폭이 임차인이 임차보증금 금액을 증액시킬 시, 이에 대응하는 임차월세 금액의 감소폭보다 크도록 설정됨으로써, 임대관리업자의 이윤을 보장할 수 있다.In other words, when the tenant decreases the amount of the deposit, the increase in the rent amount corresponding thereto is set to be larger than the decrease in the corresponding rent amount when the tenant increases the amount of the deposit. Profit can be guaranteed.
또한, 상술한 임차월세 금액의 변동 프로세스를 통해 임대관리업자가 동일 부동산의 기준임대가격을 기준으로 임차인으로부터 수령하는 임차월세 금액의 책정 비율이 임대인에게 지불하는 임대월세 금액의 책정 비율보다 높게 설정될 수도 있으며, 이를 통해 상기 임대월세 금액 및 임차월세 금액 간 차액으로 인한 임대관리업자의 이윤이 발생할 수도 있음은 물론이다.In addition, through the above-described process of changing the rent amount, the ratio of the rent amount that the lease manager receives from the tenant on the basis of the standard lease price of the same real estate is set to be higher than that of the rent amount paid to the landlord. It is also possible, through which the profits of the leasing manager due to the difference between the rent rent amount and the rent rent amount may of course occur.
본 발명의 일 실시예에 따르면, 상기 임차인보증금증액전환율 및 임차인보증금감액전환율은 주택임대차보호법상 전월세전환율의 상한 비율 이내에서 설정될 수 있다.According to an embodiment of the present invention, the lease deposit increase conversion rate and the lease deposit reduction rate may be set within an upper limit of the rent to cheonsei rent rate under the Housing Lease Protection Act.
뿐만 아니라, 임차인이 자신의 현재 임차보증금 금액을 임차계약 체결 시의 초기 임차보증금 금액보다 높게 증액시키고자 하는 경우, 상기 임차인보증금증액전환율은 임차인으로 하여금 자신의 임차보증금의 추가증액분만큼 추가 예금의 효과를 누릴 수 있도록 시중 은행의 예금금리보다 소정 비율 이상 높되, 이러한 차익을 임차인이 악용하는 경우를 방지하기 위하여 시중 은행의 주택담보대출금리보다 소정 비율 이상 낮게 설정될 수도 있다. In addition, if the tenant intends to increase his / her current lease deposit amount to be higher than the initial tenant deposit amount at the time of entering the tenancy agreement, the lease deposit increase conversion rate will allow the tenant to increase the effect of the additional deposit by the additional increase of his lease deposit. It may be set higher than a predetermined rate higher than a commercial bank's deposit rate so as to enjoy, but in order to prevent a tenant from exploiting these profits, it may be set lower than a predetermined rate lower than a mortgage rate of a commercial bank.
일 실시예에 따른 임차월세 관리부(333)는 매월 일정한 일자에 임차월세 금액을 관리계좌로 납입 요청하는 신호를 임차인 단말기(200)로 전송함으로써, 은행 서버(400)를 통해 상기 임차인으로부터 상기 임차월세 금액을 수령할 수 있다.The rent rent management unit 333 according to an embodiment transmits a signal for requesting the payment of the rent rent amount to a management account on a fixed date every month to the tenant terminal 200, through the bank server 400, the rent rent amount from the tenant. Receive money.
이때, 일 실시예에 따르면, 은행 서버(400)는 매월 임대관리업자가 지정한 일자마다 해당 임차월세 금액을 임차인의 계좌로부터 관리계좌로 자동이체 처리할 수도 있다.At this time, according to an embodiment, the bank server 400 may automatically process the rent rent amount from the tenant's account to the management account for each month designated by the rental management company.
임차수수료 관리부(334)는 임차인의 임차수수료를 책정하고, 수령하는 프로세스를 수행할 수 있다.The rental fee management unit 334 may perform a process of setting and receiving the rental fee of the tenant.
구체적으로, 임차수수료 관리부(334)는 임차 계약이 체결 완료된 임차인에 대하여 기 지정된 임차수수료 책정 조건에 따라 상기 임차 계약에 대한 임차수수료를 책정할 수 있다.In detail, the lease fee management unit 334 may set a lease fee for the lease according to a predetermined lease fee setting condition for the tenant who has completed the lease.
이때, 본 발명의 일 실시예에 따른 임차수수료 관리부(334)는 임차인의 임차 계약기간이 만료되었을 시, 상기 만료된 임차 계약에 대한 임차수수료를 책정할 수 있으며, 예를 들면, 상기 임차 계약기간 도중 변동된 임차보증금 금액의 평균치 중 일정 비율만큼의 금액을 임차수수료로 책정할 수도 있다.At this time, the lease fee management unit 334 according to an embodiment of the present invention may set a lease fee for the expired lease contract when the tenant's lease contract period expires, for example, the lease contract period You can also set a fee as a percentage of the average value of the deposit.
이에 따라, 임차수수료 관리부(334)는 해당 임차인에게 상기 책정된 임차수수료를 관리계좌로 납입 요청하는 신호를 임차인 단말기(200)로 전송할 수 있으며, 상기 임차수수료의 수령 여부를 은행 서버(400)를 통해 확인할 수 있다.Accordingly, the lease fee management unit 334 may transmit a signal requesting the tenant to pay the lease fee to the management account to the tenant terminal 200, and the bank server 400 determines whether the lease fee has been received. You can check
자금 관리부(340)는 다양한 보증상품 및 금융상품을 통해 임대관리업자의 관리계좌에 예치된 자금을 관리하고, 이를 통해 임대인 및 임차인에게 임대관리업자의 신용 모델을 제공하는 프로세스를 수행할 수 있다.The funds management unit 340 may manage the funds deposited in the management account of the lease manager through various guarantee products and financial products, and may perform a process of providing a lease manager and a tenant with a credit model of the lease manager.
본 발명의 일 실시예에 따르면, 자금 관리부(340)는 자금 관리사 선정부(341), 자금 관리 상품 가입부(342) 및 자금 관리 정보 제공부(343)를 포함할 수 있다.According to an embodiment of the present invention, the money manager 340 may include a money manager selection unit 341, a money management product subscription unit 342, and a money management information provider 343.
먼저, 자금 관리사 선정부(341)는 임대인의 임대보증금 및 임차인의 임차보증금과 관련된 권리를 보호하기 위한 보증상품 및 임대관리업자의 관리계좌에 예치된 자금을 운용할 수 있는 금융상품을 제공하는 일 이상의 자금 관리사를 거래 대상으로서 선정할 수 있다.First, the fund manager selection unit 341 provides a guarantee product for protecting the landlord's lease deposit and the rights related to the tenant's lease deposit, and a financial product for managing the funds deposited in the lease manager's management account. The above money managers can be selected as a trading target.
구체적으로, 자금 관리사 선정부(341)는 은행, 보증회사, 증권사, 펀드매니저 등과 같은 다양한 자금 관리사 서버(미도시)로부터 각각의 자금 관리사가 제공하는 보증상품 정보 및 금융상품 정보를 수신할 수 있다.In detail, the fund manager selecting unit 341 may receive guarantee product information and financial product information provided by the respective money managers from various money manager servers (not shown) such as banks, guarantee companies, securities companies, and fund managers. .
상기 보증상품은 임대관리업자가 체결 완료된 임대 계약에 따라 해당 임대인에게 임대보증금을 지불할 것을 보증하거나, 체결 완료된 임차 계약에 따라 해당 임차인에게 임차보증금을 반환할 것을 보증하는 상품일 수 있다.The guarantee product may be a product that guarantees that the lease management company pays the lease deposit to the landlord in accordance with the lease contract completed or returns the lease money to the tenant under the lease contract.
또한, 상기 금융상품은 예금 상품, 적금 상품, 보험 상품, 펀드 상품, 주식 상품, 채권 상품 등을 일 이상 포함할 수 있으며, 이에 따라 상기 금융상품 정보는 각각의 금융상품에 대한 수익률 정보, 성과평가정보 등을 일 이상 포함할 수도 있다.In addition, the financial product may include a deposit product, savings products, insurance products, fund products, stock products, bond products, and the like, the financial product information according to the rate of return information for each financial product, performance evaluation Information may be included in one or more days.
일 실시예에 따른 자금 관리사 선정부(341)는 상기 보증상품 정보 및 금융상품 정보를 토대로 하여, 자금 관리사들 각각의 안전성, 수익률 등을 판정함으로써, 보다 우수한 안전성 및 수익률을 보이는 자금 관리사를 거래 대상으로 선정할 수 있다.The fund manager selection unit 341 according to an embodiment determines the safety and profit rate of each of the money managers based on the guarantee product information and the financial product information, and thus, targets the money manager that shows better safety and return rate. Can be selected.
이때, 본 발명의 일 실시예에 따르면, 자금 관리사 선정부(341)는 일 이상의 자금 관리사가 거래 대상으로 선정되었을 시, 해당 자금 관리사의 정보를 임차인 관리부(330)로 전송함으로써, 임차인 관리부(330)로 하여금 임차인으로부터 상기 자금 관리사를 통한 임차보증금 운용 동의 여부를 선택받도록 할 수도 있다.At this time, according to an embodiment of the present invention, when more than one fund manager is selected as a transaction target, the fund manager selecting unit 341 transmits the information of the corresponding fund manager to the tenant manager 330, such that the tenant manager 330 ) May allow the tenant to choose whether or not to agree to the management of the lease through the fund manager.
자금 관리 상품 가입부(342)는 자금 관리사 선정부(341)를 통해 거래 대상으로 선정된 자금 관리사의 보증상품 또는 금융상품에 대한 가입 프로세스를 수행할 수 있다.The money management product subscription unit 342 may perform a subscription process for the guarantee product or the financial product of the money manager selected as a transaction target through the money management company selection unit 341.
이하에서는 설명의 편의를 위하여 본 발명의 은행 서버(400)를 운영하는 은행이 거래 대상인 자금 관리사로 선정된 경우에 대하여 서술하나, 이에 한정되는 것은 아니며, 보증회사, 증권사, 펀드매니저 등과 같은 별도의 자금 관리사 또한 거래 대상으로 선정될 수 있음은 물론이다.Hereinafter, for convenience of explanation, a case in which a bank operating the bank server 400 of the present invention is selected as a fund management company to be dealt with is described, but is not limited thereto, and a separate company such as a guarantee company, a securities company, a fund manager, etc. Fund managers can also be selected for trading.
구체적으로, 일 실시예에 따르면, 자금 관리 상품 가입부(342)는 은행 서버(400)로부터 수신한 보증상품 정보를 참조하여 자체적으로 특정 보증상품을 선택할 수 있으며, 다른 실시예에 따르면, 임대인 단말기(100) 및 임차인 단말기(200)로 상기 보증상품 정보를 전송함으로써 임대인 및 임차인 각각으로부터 특정 보증상품을 선택받을 수도 있다.Specifically, according to an embodiment, the money management product subscription unit 342 may select a specific guarantee product by referring to the guarantee product information received from the bank server 400, and according to another embodiment, the renter terminal By transmitting the warranty product information to the 100 and the tenant terminal 200 may be selected a specific warranty product from each of the lessor and the lessee.
이후, 자금 관리 상품 가입부(342)는 상기 선택된 보증상품에 가입 요청하는 신호를 은행 서버(400)로 전송할 수 있으며, 상기 보증상품 가입 요청은 임대관리업자의 정보, 선택한 보증상품 정보, 임대 계약 정보, 임차 계약 정보 등을 일 이상 포함할 수 있다.Thereafter, the money management product subscription unit 342 may transmit a signal for requesting the subscription to the selected warranty product to the bank server 400, and the request for subscription to the warranty product may include information of a leasing manager, selected warranty product information, and a lease contract. Information may include more than one day, such as lease information.
이에 따라, 자금 관리 상품 가입부(342)는 은행 서버(400)로부터 상기 가입 요청한 보증상품에 해당하는 보증료를 납입 요청하는 신호를 수신할 수 있으며, 관리계좌에 예치된 금액 중 상기 보증료에 해당하는 금액이 은행 서버(400)가 지정한 계좌로 지불되도록 처리할 수 있다.Accordingly, the money management product subscription unit 342 may receive a signal requesting the payment of a guarantee fee corresponding to the guarantee product requested for subscription from the bank server 400, and corresponds to the guarantee fee among the amounts deposited in the management account. The amount may be processed so that the bank server 400 pays the designated account.
또한, 일 실시예에 따른 자금 관리 상품 가입부(342)는 은행 서버(400)로부터 수신한 금융상품 정보를 참조하여 자체적으로 일 이상의 금융상품을 선택할 수 있으며, 다른 실시예에 따르면, 임대인 단말기(100) 및 임차인 단말기(200)로 상기 금융상품 정보를 전송함으로써 임대인 및 임차인 각각으로부터 일 이상의 금융상품을 선택받을 수도 있다.In addition, the money management product subscription unit 342 may select one or more financial products by referring to the financial product information received from the bank server 400, and according to another embodiment, the renter terminal ( 100) and the tenant terminal 200 may receive one or more financial products selected from each of the lessor and the lessee by transmitting the financial product information.
자금 관리 상품 가입부(342)는 상기 선택한 금융상품에 가입 요청하는 신호를 은행 서버(400)로 전송할 수 있으며, 상기 금융상품 가입 요청 신호는 임대관리업자의 정보, 선택한 금융상품 정보, 위탁 자금 금액 정보 등을 일 이상 포함할 수 있다.Money management product subscription unit 342 may transmit a signal for requesting the subscription to the selected financial product to the bank server 400, the financial product subscription request signal is the information of the lease management company, the selected financial product information, the amount of the consignment funds Information and the like.
이때, 일 실시예에 따르면, 상기 위탁 자금은 관리계좌에 예치된 자금 중 운용 가능한 자금의 일부로서, 관리계좌에서 발생하는 이자, 임대월세 및 임차월세 간 차액 등을 일 이상 포함할 수 있다.At this time, according to an embodiment, the entrusted funds are part of the funds that can be managed among the funds deposited in the management account, and may include more than one day, such as the interest, rent rent and rent rent generated in the management account.
뿐만 아니라, 본 발명의 일 실시예에 따르면, 상기 위탁 자금은 임차인이 임차 계약 체결 시, 자금 관리사를 통한 임차보증금 운용에 동의하였을 경우, 해당 임차인이 관리계좌로 지불한 임차보증금을 더 포함할 수도 있다.In addition, according to an embodiment of the present invention, the entrusted funds may further include a lease deposit paid by the tenant to the management account when the tenant agrees to manage the lease deposit through the money management company when the tenancy is concluded. have.
이에 따라, 자금 관리 상품 가입부(342)는 은행 서버(400)로부터 상기 가입 요청한 금융상품에 해당하는 위탁 자금 금액을 납입 요청하는 신호를 수신할 수 있으며, 관리계좌에 예치된 운용 가능한 금액 중 상기 위탁 자금에 해당하는 금액이 은행 서버(400)가 지정한 계좌로 지불되도록 처리할 수 있다.Accordingly, the money management product subscription unit 342 may receive a signal for requesting payment of a consignment fund amount corresponding to the financial product requested to be subscribed to from the bank server 400, wherein the money management product subscription unit 342 may receive the signal from among the operational amounts deposited in the management account. The amount corresponding to the consignment funds may be processed to be paid to the account designated by the bank server 400.
이때, 상기 관리계좌에 예치된 운용 가능한 금액은 관리계좌에서 발생하는 이자, 임대월세 및 임차월세 간 차액 등을 일 이상 포함할 수 있으며, 임차인이 임차 계약 체결 시, 자금 관리사를 통한 임차보증금 운용에 동의하였을 경우, 해당 임차인이 관리계좌로 지불한 임차보증금을 더 포함할 수도 있다.In this case, the operational amount deposited in the management account may include the difference between interest, rent and lease rent, etc. arising from the management account, when the tenant enters into the lease agreement, the operation of the deposit guarantee through the money management company If agreed, the tenant may further include a lease deposit paid to the management account.
자금 관리 정보 제공부(343)는 자금 관리 상품 가입부(342)를 통해 가입된 보증상품 관련 정보 및 금융상품 관련 정보를 임대관리업자의 신용 모델로서 임대인 및 임차인에게 제공할 수 있다.The money management information providing unit 343 may provide the renter and the tenant with the guaranteed product related information and the financial product related information through the money managing product subscription unit 342 as a credit model of the lease management company.
구체적으로, 자금 관리 정보 제공부(343)는 각 임대 계약 및 각 임차 계약에 대한 보증상품 가입이 완료된 정보, 즉, 보증상품 가입 정보를 은행 서버(400)로부터 수신할 수 있다.In detail, the money management information providing unit 343 may receive the information on which the guarantee product subscription for each lease contract and each lease contract is completed, that is, the guarantee product subscription information from the bank server 400.
이후, 자금 관리 정보 제공부(343)는 각 임대 계약의 보증상품 가입 정보를 해당 임대인의 임대인 단말기(100)로, 각 임차 계약의 보증상품 가입 정보를 해당 임차인의 임차인 단말기(200)로 전송할 수도 있다.Thereafter, the fund management information provider 343 may transmit the warranty product subscription information of each lease to the landlord's terminal 100 of the corresponding landlord and the warranty product subscription information of each lease to the tenant's terminal 200 of the tenant. have.
이에 따라, 자금 관리 정보 제공부(343)는 각 임대인 및 각 임차인으로 하여금 임대 계약 및 임차 계약에 대한 보증상품 가입 정보를 즉시 확인할 수 있도록 함으로써, 임대관리업자의 신뢰성을 증대시킬 수 있다.Accordingly, the money management information providing unit 343 can increase the reliability of the lease manager by allowing each landlord and each tenant to immediately check the guarantee product subscription information for the lease contract and lease contract.
또한, 본 발명의 일 실시예에 따른 자금 관리 정보 제공부(343)는 일 이상의 금융상품 가입이 완료된 정보(이하, 금융상품 가입 정보) 및 해당 금융상품에 대응하는 위탁 자금이 운용되고 있는 현황 정보(이하, 자금 운용 현황 정보)를 은행 서버(400)로부터 수신할 수 있다.In addition, the fund management information providing unit 343 according to an embodiment of the present invention is the one or more financial product subscription information (hereinafter referred to as financial product subscription information) and the status information that the consignment funds corresponding to the financial product is in operation (Hereinafter referred to as fund management status information) can be received from the bank server 400.
상기 자금 운용 현황 정보는 총 자금 운용 기간 정보, 누적 수익 금액 정보, 실시간 수익률 정보, 예상 수익률 정보 등을 일 이상 포함할 수 있다.The fund management status information may include one or more days of total fund management period information, cumulative profit amount information, real-time rate of return information, expected rate of return information, and the like.
일 실시예에 따르면, 자금 관리 정보 제공부(343)는 일 이상의 금융상품에 대한 자금 운용 현황 정보를 취합하여 분석함으로써, 임대관리업자의 위탁 자금 총 금액, 즉, 운용 가능 금액에 대한 총 누적 수익 금액, 총 수익률, 총 예상 수익률 등을 통계할 수 있다.According to an embodiment, the fund management information providing unit 343 collects and analyzes the status of the capital operation of one or more financial products, thereby analyzing the total amount of the leased funds of the leasing management company, that is, the total cumulative revenue for the amount of the operation. Amounts, total returns, total estimated returns, etc. can be statistics.
이후, 자금 관리 정보 제공부(343)는 상기 임대관리업자의 위탁 자금 총 금액에 대한 총 누적 수익 금액 정보, 총 수익률 정보, 총 예상 수익률 정보 등을 임대인 단말기(100) 및 임차인 단말기(200)로 전송할 수 있으며, 이를 통해 임대인 및 임차인으로부터 임대관리업자의 재무적 신용도를 확보할 수 있다는 이점이 있다.Thereafter, the fund management information providing unit 343 transfers the total cumulative revenue amount information, the total yield information, and the total estimated yield information on the total amount of the consigned funds of the rental management company to the tenant terminal 100 and the tenant terminal 200. It can be transferred, and this has the advantage of securing the financial credibility of the lease management from the lessor and the lessee.
일 실시예에 따른 제어부(350)는 데이터베이스(310), 임대인 관리부(320), 임차인 관리부(330), 자금 관리부(340) 및 통신부(360) 간의 데이터의 흐름을 제어하는 기능을 수행할 수 있다. 즉, 본 발명에 따른 제어부(350)는 데이터베이스(310), 임대인 관리부(320), 임차인 관리부(330), 자금 관리부(340) 및 통신부(360)에서 각각 고유한 기능을 수행하도록 제어할 수 있다.The controller 350 according to an embodiment may perform a function of controlling the flow of data between the database 310, the landlord manager 320, the tenant manager 330, the money manager 340, and the communicator 360. . That is, the controller 350 according to the present invention may control to perform unique functions in the database 310, the landlord manager 320, the tenant manager 330, the money manager 340, and the communicator 360, respectively. .
일 실시예에 따른 통신부(360)는 임대관리업자 서버(300)와 외부 서버 및 외부 장치 간 통신이 가능하도록 한다. 구체적으로 임대관리업자 서버(300)가 임대인 단말기(100), 임차인 단말기(200) 및 은행 서버(400) 와의 통신을 가능하게 한다.The communication unit 360 according to an embodiment enables communication between the lease management server 300 and an external server and an external device. Specifically, the leasing management server 300 enables communication with the tenant terminal 100, the tenant terminal 200 and the bank server 400.
도 3은 본 발명의 일 실시예에 따른 임대인에 대한 가변 월세 서비스 제공 과정을 도시한 도면이다. 3 is a diagram illustrating a variable rent service providing process for a landlord according to an embodiment of the present invention.
임대인은 사전에 본 발명의 가변 월세 서비스를 통해 임대 희망 부동산에 대한 임대보증금 금액 및 임대월세 금액을 확정함으로써, 임대관리업자와 임대 계약을 체결 완료한 임대인일 수 있다.The landlord may be a landlord who has concluded a lease contract with a rental management company by confirming a rental deposit amount and a rent rent amount for a desired real estate through a variable rent service of the present invention.
이에 따라, 임대관리업자 서버(300)는 상기 임대인과의 임대 계약기간 도중, 상기 임대 계약에 대응하는 임대보증금 금액을 증액 또는 감액시키는 임대보증금 변동 요청을 토대로 하여 상기 임대 계약 상 책정되어있는 임대보증금 금액 및 임대월세 금액을 변동시킬 수 있다.Accordingly, the lease manager server 300 rent lease deposit is set in the lease contract based on the lease deposit change request to increase or decrease the lease deposit amount corresponding to the lease contract during the lease agreement with the landlord The amount of money and rent can be changed.
도 3을 참조하면, 임대인은 임대인 단말기(100)를 통해 가변 월세 서비스 웹 페이지에 접속함으로써(S301), 임대보증금 변동 요청 신호를 임대관리업자 서버(300)로 전송할 수 있다(S302).Referring to FIG. 3, the landlord may access the variable rent service web page through the landlord terminal 100 (S301) to transmit a rent deposit change request signal to the rental management server 300 (S302).
상기 임대보증금 변동 요청 신호는 임대인이 원하는 변동 임대보증금 금액 정보를 포함할 수 있다.The rental deposit change request signal may include variable rent deposit amount information desired by the landlord.
이에 따라 임대관리업자 서버(300)는 임대 계약 상 책정되어 있는 임대보증금 금액을 상기 변동 임대보증금 금액으로 변동시킬 수 있다(S303).Accordingly, the lease management server 300 may change the lease deposit amount determined in the lease into the variable lease deposit amount (S303).
이때, 임대관리업자 서버(300)는 상기 S302 단계에서 수신한 임대보증금 변동 요청이 임대보증금 금액을 증액시키는 요청일 경우, 상기 증액된 만큼의 금액이 관리계좌로부터 임대인의 계좌로 지불되도록 처리할 수 있으며, 임대보증금 금액을 감액시키는 요청일 경우, 임대인으로 하여금 상기 감액된 만큼의 금액을 관리계좌로 납입하도록 처리할 수 있다.At this time, the leasing management server 300 may process the amount of the increased amount is to be paid from the management account to the landlord's account, if the change in the lease deposit received in step S302 is a request to increase the lease deposit. In the case of a request to reduce the amount of the lease deposit, the landlord may process the landlord to pay the reduced amount to the management account.
이후, 임대관리업자 서버(300)는 기 설정된 임대보증금 및 임대월세 간의 전환율에 따라, 상기 S303 단계에서 책정된 변동 임대보증금 금액에 대응하는 변동 임대월세 금액을 책정할 수 있다(S304).Thereafter, the rental management server 300 may set the variable rental rent amount corresponding to the variable rental deposit amount determined in step S303 according to the conversion rate between the preset rental deposit and the rent rent (S304).
이때, 본 발명의 일 실시예에 따르면, 임대관리업자 서버(300)는 상기 임대보증금 금액을 증액시킬 시 적용되는 임대보증금 및 임대월세 간 전환율인 임대인보증금증액전환율을 임대인이 임대보증금을 감액시킬 시 적용되는 임대보증금 및 임대월세 간 전환율인 임대인보증금감액전환율보다 높게 설정할 수 있다.At this time, according to an embodiment of the present invention, the lease management server 300 when the landlord decreases the lease deposit, the lease deposit increase rate, which is the conversion rate between the lease deposit and rent rent applied when the lease deposit amount is increased; It can be set higher than the lease deposit reduction conversion rate, which is the conversion rate between the applied lease deposit and rent.
다시 말해, 임대인이 임대보증금 금액을 증액시킬 시, 이에 대응하는 임대월세 금액의 감소폭이 임대인이 임대보증금 금액을 감액시킬 시, 이에 대응하는 임대월세 금액의 증가폭보다 크도록 설정할 수 있다.In other words, when the landlord increases the rent deposit amount, the decrease in rent rent amount corresponding thereto may be set to be greater than the increase in the corresponding rent rent amount when the landlord reduces the rent amount.
일 실시예에 따른 임대관리업자 서버(300)는 상기 S303 단계를 통해 임대보증금 금액이 증액되었을 경우, 관리계좌에 예치된 금액 중 상기 증액된 만큼의 임대보증금 금액을 임대인의 계좌로 지불 요청하는 신호를 은행 서버(400)로 전송할 수 있다(S305-1).When the lease deposit amount is increased through step S303, the lease manager server 300 according to an embodiment requests to pay the lease deposit amount as much as the increased amount of the deposit deposited in the management account to the landlord's account. It may be transmitted to the bank server 400 (S305-1).
또한, 임대관리업자 서버(300)는 상기 S303 단계를 통해 임대보증금 금액이 감액되었을 경우, 상기 감액된 만큼의 임대보증금 금액을 관리계좌로 납입 요청하는 신호를 임대인 단말기(100)로 전송할 수도 있으며(S305-2), 이에 따라 상기 감액된 만큼의 임대보증금 금액의 수령 여부를 은행 서버(400)를 통해 확인할 수도 있다.In addition, when the lease deposit amount is reduced through the step S303, the lease management server 300 may transmit a signal for requesting the payment of the lease deposit amount to the management account to the tenant terminal 100 ( S305-2) Accordingly, it may be confirmed through the bank server 400 whether or not the amount of the rental deposit amount reduced.
뿐만 아니라, 임대관리업자 서버(300)는 은행 서버(400)로 하여금 향후 임대인의 계좌로 임대월세 금액을 지불할 시, 상기 S304 단계를 통해 책정된 변동 임대월세에 해당하는 금액을 지불하도록 요청하는 신호를 은행 서버(400)로 전송할 수 있다(S306).In addition, the leasing management server 300 requests the bank server 400 to pay the amount corresponding to the variable rent rent determined through the step S304 when paying the rent rent amount to the account of the future landlord. The signal may be transmitted to the bank server 400 (S306).
이에 따라, 임대인은 가변 월세 서비스를 이용함으로써 임대 계약 조건으로 설정된 임대보증금 금액 및 임대월세 금액을 자유롭게 변경할 수 있으며, 임대관리업자를 통해 필요 자금을 용이하게 조달할 수도 있다.Accordingly, the landlord can freely change the lease deposit amount and the rent rent amount set by the lease contract terms by using the variable rent service, and can easily supply necessary funds through the lease manager.
도 4 내지 도7은 본 발명의 일 실시예에 따른 임대인 및 임차인에 대한 가변 월세 서비스 제공 과정을 도시한 도면이다.4 to 7 are diagrams illustrating a process of providing a variable rent service to tenants and tenants according to an embodiment of the present invention.
이하에서는 설명의 편의를 위하여, 본 발명의 일 실시예에 따른 임대인 및 임차인에 대한 가변 월세 서비스 제공 과정을 각각의 구현예로 예를 들어 설명하나, 이에 한정되는 것은 아니다.Hereinafter, for convenience of description, the process of providing a variable monthly rent service for the lessee and the lessee according to an embodiment of the present invention will be described by way of example, but is not limited thereto.
제1 구현예First embodiment
도4 내지 도6을 참조하면, 임대관리업자는 임대관리업자를 통해 임대차 계약을 개시하고자 하는 임대인 및 임차인에게 가변 월세 서비스를 제공할 수 있다.4 to 6, the lease manager may provide a variable rent service to the landlord and the tenant who wants to start the lease through the lease manager.
이하에서는 임대인 및 임차인 간에 각각 상이한 부동산 거래 금액이 설정될 수 있음을 나타내기 위하여, 임대인과 관련된 부동산 거래 금액을 “제1 금액”으로, 임차인과 관련된 부동산 거래 금액을 “제2 금액”으로 표현하기로 한다. 즉, 상기 제1 금액 및 상기 제2 금액은 서로 상이한 금액일 수 있다.Hereinafter, to indicate that different real estate transaction amounts may be set between the landlord and tenant, the real estate transaction amount related to the landlord is referred to as the “first amount” and the real estate transaction amount related to the tenant is referred to as the “second amount”. Shall be. That is, the first amount and the second amount may be different amounts.
먼저, 도4를 참조하면, ① 임대관리업자는 기존에 임대차 계약을 체결한 바 없는 임대인과 임대 계약을 체결할 수 있다. 이때, 임대관리업자는 임대인과의 계약기간을 2년으로 설정할 수 있으며, 임대인이 임대하고자 하는 부동산의 전액 전세 조건일 시 가격인 기준임대가격을 10억원으로 산정할 수 있다. First, referring to Figure 4, ① lease management contractor can enter into a lease with a landlord who has not previously signed a lease. In this case, the lease manager may set the contract period with the landlord for two years, and calculate the standard lease price, which is the price at the time of the full lease of the real estate to be rented by the landlord, to 1 billion won.
이에 따라, 임대관리업자는 상기 기준임대가격에 연3.6%의 임대인개시전환율을 적용한 등가범위 내에서 임대인이 원하는 제1 희망 임대보증금 금액 및 제1 희망 임대월세 금액을 반영함으로써, 제1 초기 임대보증금 금액 2억원 및 제1 초기 임대월세 금액 240만원을 계약조건으로 하는 임대 계약을 임대인과 체결 완료할 수 있다.Accordingly, the lease manager reflects the first desired lease deposit amount and the first desired rent rent amount that the landlord desires within the equivalent range of applying the renter's start conversion rate of 3.6% to the standard lease price. A lease can be concluded with the landlord with the amount of 200 million won and the first initial rent amount of 2.4 million won.
② 임대관리업자는 상기 ①단계에서 체결된 임대 계약에 따라, 자신의 관리계좌에 예치된 금액 중 제1 초기 임대보증금 금액 2억원 및 제1 초기 임대월세 금액 240만원을 해당 임대인의 계좌로 지불할 수 있다.② According to the lease contract concluded in step ① above, the lease manager shall pay the first initial lease deposit amount of 200 million won and the first initial rent amount of 240 million won to the account of the landlord. Can be.
③ 또한, 임대관리업자는 상기 ①에서 임대인으로부터 임대한 부동산에 대하여, 기존에 임대차 계약을 체결한 바 없는 임차인과 임차 계약을 체결할 수도 있다. (3) In addition, the lease management company may enter into a lease with a tenant who has not previously signed a lease on the real estate rented from the landlord in the above ①.
*이때, 임대관리업자는 임차인과의 계약기간을 1년으로 설정할 수 있으며, 해당 부동산의 기준임대가격인 10억원에 연4.2%의 임차인개시전환율을 적용한 등가범위 내에서 임차인이 원하는 제2 희망 임차보증금 금액 및 제2 희망 임차월세 금액을 반영함으로써, 제2 초기 임차보증금 금액 8억원 및 제2 초기 임차월세 금액 70만원을 계약조건으로 하는 임차 계약을 임차인과 체결 완료할 수 있다.* At this time, the lease manager may set the contract period with the tenant for one year, and the second desired tenancy desired by the tenant within the equivalent range of applying the 4.2% annual lease start conversion rate to the standard lease price of the real estate of 1 billion won. By reflecting the deposit amount and the second desired rent amount, it is possible to complete a tenancy agreement with the tenant with the second initial rent guarantee amount of 800 million won and the second initial rent amount of 700,000 won as a contract condition.
④ 상기 ③단계에서 체결된 임차 계약에 따라, 임대관리업자는 임차인으로부터 제2 초기 임차보증금 8억원 및 제2 초기 임차월세 금액 70만원을 자신의 관리계좌로 납입받을 수 있다.④ In accordance with the tenancy agreement concluded in step ③ above, the lease manager may receive a second initial lease deposit of 800 million won and a second initial rent amount of 700,000 won from his tenant into his management account.
즉, 임대관리업자는 상기 ①단계 및 상기 ③단계를 통해 동일 부동산에 대하여 임대인 및 임차인 간에 각각 상이한 계약조건이 적용된 임대차 계약을 체결함에 따라, 상기 ②단계 및 상기 ④단계에서 각각 상이한 계약 대금을 임대인에게 지불하거나, 임차인으로부터 수령할 수 있다.That is, as the lease manager enters into a lease agreement in which the different contract terms are applied between the lessee and the lessee for the same real estate through the steps (1) and (3), the landlord manages the different contract price in the steps (2) and (4). You can either pay the bill or receive it from the tenant.
도 5를 참조하면, 임대관리업자는 임대차 계약 기간 도중, 임대인으로부터 임대보증금 금액의 변경을 요청받을 수 있다.Referring to FIG. 5, the lease manager may be requested to change a lease deposit amount from a landlord during a lease contract.
이하에서는 설명의 편의를 위하여, 변동되기 전의 금액을 “제1 금액”으로, 변동된 후의 금액을 “제2 금액”으로 표현하기로 한다.Hereinafter, for convenience of explanation, the amount before the change is referred to as the "first amount", and the amount after the change is referred to as the "second amount".
⑤-1 일 실시예에 따르면, 임대인은 임대관리업자에게 제1 임대보증금 금액을 1억원만큼 증액시킬 것을 요청할 수 있다.⑤-1 According to one embodiment, the landlord may request the lease management company to increase the amount of the first lease deposit by 100 million won.
⑤-2 임대관리업자는 상기 ⑤-1의 증액 요청에 따라, 제1 임대보증금 금액을 3억원으로 증액시킨 후, 제1 임대월세 금액 240만원을 상기 제1 임대보증금 금액이 증액된 1억원에 대하여 연 4.2%의 임대인보증금증액전환율이 적용된 35만원만큼 감액할 수 있다. 즉, 임대관리업자는 임대 계약 조건을 제2 임대보증금 금액 3억원 및 제2 임대월세 금액 205만원으로 변경할 수 있다.⑤-2 According to the request for the increase of ⑤-1, the lease manager increases the amount of the first lease deposit to 300 million won, and then the first rent amount is 2.4 million won to 100 million won, the amount of which the first lease deposit is increased. It can be reduced by 350,000 won, which is applied to the lease deposit increase conversion rate of 4.2% per year. That is, the lease manager may change the terms of the lease to 300 million won in the second rental deposit and 2.25 million won in the second rent.
⑤-3 임대관리업자는 상기 ⑤-2단계에서 변경된 임대 계약 조건에 따라, 자신의 관리계좌에 예치된 금액 중 제1 임대보증금이 증액된 금액 1억원을 임대인의 계좌로 지불할 수 있다.⑤-3 The lease manager may pay 100 million won of the increased amount of the first lease deposit to the landlord's account out of the amount deposited in his / her management account according to the lease terms changed in step ⑤-2 above.
⑥-1 다른 실시예에 따르면, 임대인은 임대관리업자에게 제1 임대보증금 금액을 1억원만큼 감액시킬 것을 요청할 수 있다.⑥-1 According to another embodiment, the landlord may request the lease management company to reduce the first lease deposit amount by 100 million won.
⑥-2 임대관리업자는 상기 ⑥-1의 감액 요청에 따라, 제1 임대보증금 금액을 1억원으로 감액시킨 후, 제1 임대월세 금액 240만원을 상기 제1 임대보증금 금액이 감액된 1억원에 대하여 연 2.7%의 임대인보증금감액전환율이 적용된 22만 5000원만큼 증액할 수 있다. 즉, 임대관리업자는 임대 계약 조건을 제2 임대보증금 금액 1억원 및 제2 임대월세 금액 262만 5000원으로 변경할 수 있다.⑥-2 According to the reduction request of ⑥-1, the lease manager reduces the amount of the first rental deposit to 100 million won, and then the first rent amount is 2.4 million won to the 100 million won of the first rental deposit reduced. It can be increased by 225,000 won, which is applied to the lease deposit reduction conversion rate of 2.7% per year. That is, the lease manager may change the terms of the lease to 100 million won in the second lease deposit amount and 26.25,000 won in the second rent amount.
⑥-3 임대관리업자는 상기 ⑥-2단계에서 변경된 임대 계약 조건에 따라, 제1 임대보증금이 감액된 금액 1억원을 임대인으로부터 자신의 관리계좌로 납입받을 수 있다. ⑥-3 The lease manager may receive 100 million won in the amount of the first lease deposit from his / her landlord on his / her management account according to the terms of the lease contract changed in step ⑥-2.
⑦ 상술한 과정을 통해 임대인이 자신의 임대 계약 조건을 변경하더라도, 임차인은 자신의 임차 계약 조건을 그대로 유지할 수 있다.⑦ Even if the landlord changes the terms of his lease through the above process, the tenant can keep the terms of his lease.
도 6을 참조하면, 임대관리업자는 임대차 계약 기간 도중, 임차인으로부터 임차보증금 금액의 변경을 요청받을 수도 있다.Referring to FIG. 6, the lease manager may be requested to change a deposit amount from a tenant during a lease contract.
이하에서는 설명의 편의를 위하여, 변동되기 전의 금액을 “제1 금액”으로, 변동된 후의 금액을 “제2 금액”으로 표현하기로 한다.Hereinafter, for convenience of explanation, the amount before the change is referred to as the "first amount", and the amount after the change is referred to as the "second amount".
⑧-1 일 실시예에 따르면, 임차인은 임대관리업자에게 제1 임차보증금 금액을 1억원만큼 감액시킬 것을 요청할 수 있다.⑧-1 According to one embodiment, the lessee may ask the lease management company to reduce the amount of the first lease deposit by 100 million won.
⑧-2 임대관리업자는 상기 ⑧-1의 감액 요청에 따라, 제1 임차보증금 금액을 7억원으로 감액시킨 후, 제1 임차월세 금액 70만원을 상기 제1 임차보증금 금액이 감액된 1억원에 대하여 연 5.25%의 임차인보증금감액전환율이 적용된 43만7500원 만큼 증액할 수 있다. 즉, 임대관리업자는 임차 계약 조건을 제2 임차보증금 금액 7억원 및 제2 임차월세 금액 113만7500원으로 변경할 수 있다.⑧-2 According to the request for the reduction of ⑧-1, the lease management company reduced the amount of the first lease deposit to 700 million won, and then the amount of the first rent amount of 700,000 won to the 100 million won in which the first deposit was reduced. It can be increased by KRW 43,750,000, which is applied to the reduction of rent guarantee deposit of 5.25% per year. That is, the lease management company may change the terms of the lease to the amount of the second lease deposit amount of 700 million won and the second rent amount to 1.11375 million won.
⑧-3 임대관리업자는 상기 ⑧-2단계에서 변경된 임차 계약 조건에 따라, 자신의 관리계좌에 예치된 금액 중 제1 임차보증금이 감액된 금액 1억원을 임차인의 계좌로 지불할 수 있다.⑧-3 The lease manager may pay 100 million won of the first lease deposit from the amount deposited in his / her management account to the tenant's account, in accordance with the terms of the tenancy agreement changed in step ⑧-2.
⑨-1 다른 실시예에 따르면, 임차인은 임대관리업자에게 제1 임차보증금 금액을 1억원만큼 증액시킬 것을 요청할 수 있다.⑨-1 According to another embodiment, the tenant may request the lease management company to increase the amount of the first lease deposit by 100 million won.
⑨-2 임대관리업자는 상기 ⑨-1의 증액 요청에 따라, 제1 임차보증금 금액을 9억원으로 증액시킨 후, 제1 임차월세 금액 240만원을 상기 제1 임차보증금 금액이 증액된 1억원에 대하여 연 2.7%의 임차인보증금증액전환율이 적용된 22만 5000원만큼 감액할 수 있다. 즉, 임대관리업자는 임차 계약 조건을 제2 임차보증금 금액 9억원 및 제2 임차월세 금액 47만 5000원으로 변경할 수 있다.⑨-2 According to the increase request of ⑨-1, the lease manager increases the amount of the first lease deposit to 900 million won, and then the first rent amount is 2.4 million won to 100 million won, the amount of which the first lease deposit is increased. It can be reduced by 225,000 won, which is applied to the lease deposit increase conversion rate of 2.7% per year. That is, the lease manager may change the terms of the lease to the amount of the second security deposit of 900 million won and the second rent amount to 475,000 won.
⑨-3 임대관리업자는 상기 ⑨-2단계에서 변경된 임차 계약 조건에 따라, 제1 임차보증금이 증액된 금액 1억원을 임차인으로부터 자신의 관리계좌로 납입받을 수 있다. ⑨-3 According to the lease terms changed in step ⑨-2, the lease manager may receive an amount of 100 million won increased from the tenant to his / her management account.
⑩ 상술한 과정을 통해 임차인이 자신의 임차 계약 조건을 변경하더라도, 임대인은 자신의 임대 계약 조건을 그대로 유지할 수 있다.임대 Even if the tenant changes the terms of his lease through the above process, the landlord can keep the terms of his lease.
제2 구현예Second embodiment
도 7을 참조하면, 임대관리업자는 임대차 계약이 개시된 시점에서 일정 시간 이후, 임대관리업자에게 상기 임대차 계약을 위임함으로써, 상기 임대차 계약의 조건을 변경하고자 하는 임대인 및 임차인과 임대차 계약을 체결할 수도 있다.Referring to FIG. 7, a lease manager may conclude a lease with a landlord and a tenant who intends to change the terms of the lease by delegating the lease to the lease after a certain time at the time when the lease is started. have.
① 임대인은 기준임대가격이 10억원인 부동산에 대하여 임대차보증금 금액 8억원 및 임대차월세 금액 70만원을 계약조건으로 하는 임대차 계약을 임차인과 체결함으로써, 상기 부동산을 임차인에게 임대하였을 수 있으며, ② 임차인은 임대인에게 임대차보증금 금액 8억원을 납입하고, 임대차월세 금액 70만원을 주기적으로 납입 중일 수 있다.① The landlord may have leased the real estate to the tenant by signing a lease agreement with the tenant on a real estate with a base rental price of one billion won and a lease deposit amount of 800 million won and a rent rent amount of 700,000 won. The landlord may pay 800 million won in lease deposits and periodically pay 700,000 won in rent.
③-1 일 실시예에 따르면, 임대인은 상기 임대차보증금 금액을 2억원으로 감액시킴으로써 상기 임대차월세 금액을 증액시키기 위한 임대 계약 체결을 임대관리업자에게 요청할 수 있으며, 임대관리업자는 해당 부동산의 기준임대가격 10억원에 연 3.6%의 임대인개시전환율을 적용함으로써, 임대보증금 금액 2억원 및 임대월세 금액 240만원을 계약조건으로 하는 임대계약을 임대인과 체결할 수 있다. 이때, 임대인은 임대차보증금 금액을 증액시키는 임대 계약을 체결할 수도 있음은 물론이다.According to the embodiment of ③-1, the landlord may request a lease management contractor to increase the lease rent amount by reducing the lease deposit amount to 200 million won, and the lease manager leases the standard of the real estate. By applying the lease start conversion rate of 3.6% annually to the price of 1 billion won, the lease can be concluded with the landlord with the deposit guarantee amount of 200 million won and the rent rent amount of 2.4 million won. At this time, the landlord may of course conclude a lease agreement to increase the amount of the deposit.
이에 따라, 임대관리업자는 상기 ②단계의 임대차보증금 금액 8억원이 상기 ③-1단계의 임대보증금 2억원으로 감액된 만큼의 금액인 6억원을 임대인으로부터 임대관리업자의 관리계좌로 반환받을 수 있다.Accordingly, the lease manager may receive 600 million won from the landlord to the management account of the lease manager as much as 800 million won of the lease deposit amount in step ② is reduced to 200 million won in the above-mentioned ③-1 step. .
③-2 이로 인하여, 임대관리업자는 상기 임대 계약 체결 완료 후, 임차인으로부터 상기 ①단계에서 책정된 임대차월세 금액 70만원 그대로를 임대관리업자의 관리계좌로 납입받게 되나, 임대인에게는 상기 관리계좌에 예치된 금액 중 상기 ③-1단계에서 변경된 임대월세 금액 240만원을 지불하게 된다. 즉, 임대관리업자는 임대인에 대한 차임 채무를 임차인으로부터 인수하게 되며, 그 대가로 차임과 같은 금액의 채권을 임차인으로부터 취득하게 된다.③-2 For this reason, after the lease contract is concluded, the lease manager receives the lease rent amount of 700,000 won from the lessee from the lessee in the management account of the lease management company. Of the amount paid, the rent rent amount changed in step ③-1 above will be paid 2.4 million won. In other words, the lease manager will take over the tenant's debts from the tenant and, in return, obtain the same amount of debt from the tenant.
④-1 다른 실시예에 따르면, 임차인은 상기 임대차보증금 금액을 9억원으로 증액시킴으로써 상기 임대차월세 금액을 감액시키기 위한 임차 계약 체결을 임대관리업자에게 요청할 수 있으며, 임대관리업자는 해당 부동산의 기준임대가격 10억원에 연 3.6%의 임차인개시전환율을 적용함으로써, 임차보증금 금액 9억원 및 임차월세 금액 30만원을 계약조건으로 하는 임차계약을 임차인과 체결할 수 있다. 이때, 임차인은 임대차보증금 금액을 감액시키는 임차 계약을 체결할 수도 있음은 물론이다.④-1 According to another embodiment, the tenant may ask the lease manager to conclude a lease contract for reducing the rent amount by increasing the lease deposit amount to 900 million won, and the lease manager is the standard lease of the real estate. By applying the annual rent conversion rate of 3.6% to the price of 1 billion won, it is possible to enter into a tenancy agreement with the tenant with the deposit guarantee amount of 900 million won and the rent rent amount of 300,000 won. At this time, the lessee may also enter into a lease contract to reduce the amount of lease deposit.
이에 따라, 임대관리업자는 상기 ②단계의 임대차보증금 금액 8억원이 상기 ④-1단계의 임차보증금 9억원으로 증액된 만큼의 금액인 1억원을 임차인으로부터 임대관리업자의 관리계좌로 납입받을 수 있다. Accordingly, the lease manager may receive 100 million won from the tenant to the management account of the lease manager as much as the amount of the deposit guarantee amount in step ② is increased to 900 million won in the step ④-1 step. .
④-2 이로 인하여, 임대관리업자는 상기 임차 계약 체결 완료 후, 임차인으로부터 상기 ④-1단계에서 변경된 임차월세 금액인 30만원을 임대관리업자의 관리계좌로 납입받게 되나, 임대인에게는 상기 관리계좌에 예치된 금액 중 상기 ①단계에서 책정된 임대차월세 금액 70만원 그대로를 지불하게 된다.④-2 For this reason, after the lease contract is concluded, the lease management company receives a payment of 300,000 won, the rent amount changed in step ④-1, from the lessee to the management account of the leasing management company. Of the amount deposited, the rental rent amount set in step ① above will be paid as it is 700,000 won.
또한, 임대관리업자는 추후 상기 ①단계의 임대차 계약의 계약기간 만료 시, 임대인으로부터 임차인이 상기 ②단계에서 지불한 임대차보증금 8억원을 상기 관리계좌로 납입받게 된다. 즉, 임대관리업자가 임차인에 대한 보증금반환채무를 임대인으로부터 인수하게 되며, 그 대가로 보증금과 같은 금액의 채권을 임대인으로부터 취득하게 된다.In addition, when the lease management contract expires the lease contract in step ① above, the lease manager will receive a deposit of 800 million won paid by the tenant from step 2 into the management account. In other words, the lease manager acquires the deposit return obligation for the tenant from the landlord, and in return, the landlord obtains a bond equal to the deposit from the landlord.
이후, 임대인 및 임차인은 상술한 제1 구현예의 ⑤단계 내지 ⑩단계에 따라, 임대관리업자를 통해 자신의 임대 계약 조건 및 임차 계약 조건을 변경할 수도 있다.Thereafter, the landlord and the tenant may change their lease contract conditions and lease contract terms through the lease management agent according to step ⑤ through step VII of the first embodiment.
이와 같은 본 발명의 가변 월세 서비스를 통해서, 임대인은 임대보증금을 낮게 책정하여 임대월세를 높이는 등 자신이 원하는 임대 조건으로 임대 계약을 체결함으로써 안정적인 수익을 도모하고, 계약조건을 자유롭게 변경함에 따라 자금 조달의 편의성을 향상시킬 수 있다는 이점이 존재한다.Through the variable monthly rent service of the present invention, the landlord establishes a rental contract under his or her desired lease conditions such as lowering the lease deposit and raising the rent rent to promote stable profits and freely change the contract terms. There is an advantage that can improve the convenience of.
또한, 임차인은 자신의 사정에 따라 임차보증금을 최대화하고, 이에 대응하는 임차월세를 줄이는 등 자신이 원하는 임차 조건으로 임차 계약을 체결함으로써 임차 계약에 따른 월세 부담을 최소화하고, 계약조건을 자유롭게 변경함에 따라 자금 조달의 편의성을 향상시킬 수 있다는 이점이 존재한다.In addition, the tenant shall minimize the burden of rent due to the tenancy agreement and change the terms of the contract freely by concluding the tenancy agreement with the tenancy conditions desired by the tenants such as maximizing the guarantee deposit and reducing the rent rent corresponding thereto according to their circumstances. Therefore, there is an advantage that can improve the convenience of financing.
뿐만 아니라, 임대관리업자는 임차인에게 적용되는 임차보증금 및 임차월세 간 전환율과 임대인에게 적용되는 임대보증금 및 임대월세 간 전환율을 서로 상이하게 설정함에 따라, 동일 부동산의 기준임대가격을 기준으로 임차인에게 책정되는 임차월세 금액에 비해 상대적으로 적은 임대월세 금액을 임대인에게 지불함으로써, 이로부터 발생되는 차액으로 이윤을 창출할 수 있다는 이점이 존재하며, 상기 이윤 창출과 관련된 추가적인 설명은 도8을 참조하여 설명하기로 한다.In addition, the lease manager sets the conversion rate between the lease deposit and rent rent applied to the tenant and the lease deposit and rent rent rate applied to the tenant differently, so that the renter is assigned to the tenant based on the standard lease price of the same property. By paying the lessor rent rent amount to the lessor compared to the rent rent amount to be rented, there is an advantage that the profit can be generated by the difference generated therefrom, and further description related to the profit creation will be described with reference to FIG. Shall be.
도 8은 본 발명의 일 실시예에 따른 임대인 및 임차인의 전세 보증금 금액 및 월세 금액 간 전환율 차이에 따른 이윤 창출 구조를 도시한 도면이다.8 is a view showing a profit generation structure according to the conversion rate difference between the rent amount and the rent amount of the renter and tenant according to an embodiment of the present invention.
본 발명의 일 실시예에 따르면, 임대인의 전세 보증금, 즉, 임대보증금 금액과 임대월세 금액 간의 전환율(이하, 임대인전환율) 및 임차인의 전세 보증금, 즉, 임차보증금 금액과 임차월세 금액 간 전환율(이하, 임차인전환율)은 서로 상이하게 설정될 수 있다. According to an embodiment of the present invention, the renter's lease deposit, that is, the conversion rate between the lease deposit amount and the rent rent amount (hereinafter, the lessee's conversion rate) and the tenant's lease deposit, that is, the lease deposit amount and the rent rate between the rent amount (hereinafter, , Renter conversion rate) may be set differently from each other.
이하에서는 설명의 편의를 위하여, 동일 부동산의 전액 전세 조건일 시 전세 보증금 금액을 10억원으로, 임대인전환율을 연3.6%로, 임차인전환율을 연4.2%로 가정하나, 이에 한정되는 것은 아니다.In the following description, for the convenience of explanation, it is assumed that the total amount of the lease deposit is 1 billion won, the renter conversion rate is 3.6% per year, and the renter conversion rate is 4.2% per year, but the present invention is not limited thereto.
도 8을 참조하면, 전액 전세 조건일 시 전세 보증금 금액이 10억원에 해당하는 부동산에 대하여, 임대인 및 임차인이 모두 전액 월세 조건으로 임대차 계약을 체결할 시, 상기 임대인에게는 상기 10억원에 대하여 연 3.6%의 임대인전환율이 적용됨에 따라 300만원의 임대월세 금액이 책정될 수 있으며, 상기 임차인에게는 상기 10억원에 대하여 연 4.2%의 임차인전환율이 적용됨에 따라 350만원의 임차월세 금액이 책정될 수 있다.Referring to FIG. 8, when the landlord makes a lease contract on the condition that the rent amount is 1 billion won in the case of full rent condition, both the landlord and the tenant sign a lease agreement on the rent basis in full, the landlord will receive 3.6 billion won per year. The rent rent amount of 3 million won can be set according to the renter's conversion rate of%, and the renter's rent amount of 3.5 million won can be set according to the renter's conversion rate of 4.2% per year for the billion won.
즉, 임차인전환율이 임대인전환율보다 높게 적용됨으로써, 임대보증금 금액 대비 임대월세 금액 및 임차보증금 금액 대비 임차월세 금액 간에는 (A) 범위에 해당하는 차액이 발생하게 된다.That is, since the renter conversion rate is higher than the renter conversion rate, a difference in the range (A) occurs between the rent rent amount and the rent rent amount compared to the rent guarantee amount.
이에 따라, 임대관리업자는 동일 부동산의 전액 전세 조건일 시 전세 보증금 금액을 기준으로, 임대인에게 지불하는 임대월세 금액에 비해 상대적으로 더 높은 금액의 임차월세 금액을 임차인으로부터 수령함으로써, (A) 범위에 해당하는 차액으로부터 이윤을 발생시킬 수 있다.Accordingly, the lessor shall receive from the lessee the rent amount, which is higher than the rent rent payable to the landlord, based on the amount of the lease deposit at the time of full charter of the same property. Profit can be generated from the difference.
전술한 본 발명의 설명은 예시를 위한 것이며, 본 발명이 속하는 기술분야의 통상의 지식을 가진 자는 본 발명의 기술적 사상이나 필수적인 특징을 변경하지 않고서 다른 구체적인 형태로 쉽게 변형이 가능하다는 것을 이해할 수 있을 것이다. 그러므로 이상에서 기술한 실시예들은 모든 면에서 예시적인 것이며 한정적이 아닌 것으로 이해해야만 한다. 예를 들어, 단일형으로 설명되어 있는 각 구성 요소는 분산되어 실시될 수도 있으며, 마찬가지로 분산된 것으로 설명되어 있는 구성 요소들도 결합된 형태로 실시될 수 있다.The foregoing description of the present invention is intended for illustration, and it will be understood by those skilled in the art that the present invention may be easily modified in other specific forms without changing the technical spirit or essential features of the present invention. will be. Therefore, it should be understood that the embodiments described above are exemplary in all respects and not restrictive. For example, each component described as a single type may be implemented in a distributed manner, and similarly, components described as distributed may be implemented in a combined form.
본 발명의 범위는 후술하는 특허청구범위에 의하여 나타내어지며, 특허청구범위의 의미 및 범위 그리고 그 균등 개념으로부터 도출되는 모든 변경 또는 변형된 형태가 본 발명의 범위에 포함되는 것으로 해석되어야 한다.The scope of the present invention is represented by the following claims, and it should be construed that all changes or modifications derived from the meaning and scope of the claims and their equivalents are included in the scope of the present invention.

Claims (6)

  1. 임대관리업자 서버가 임대인에게 임대관리업자와 상기 임대인 간의 임대 계약에 기반한 통해 가변 월세 서비스를 제공하기 위한 방법에 있어서,A method for providing a variable rent service to a landlord based on a lease agreement between the landlord and the landlord,
    (a) 특정 임대보증금 및 임대월세를 계약 조건으로 하는 임대관리업자와 임대인 간 임대 계약, 및 특정 임차보증금 및 임차월세를 계약 조건으로 하는 임대관리업자와 임차인 간 임차 계약을 각각 별도의 계약으로 체결하는 단계; (a) Enter into separate agreements between the leasing contractor and the landlord subject to specific lease deposits and lease rents, and the lease agreements between the leasing contractor and tenants subject to specific lease deposits and rents; Doing;
    (b) 상기 임대 계약 체결 후, 임대 기간 도중, 임대인 단말기로부터 수신한 임대보증금 변경 요청에 따라, 상기 임차 계약의 조건을 조정하거나 임차인의 보증금 변경 동의 여부를 확인하지 않고 상기 임대인이 희망하는 그대로 임대 계약 조건 중 임대보증금을 제1 금액에서 제2 금액으로 변경하는 단계;(b) After the conclusion of the lease, during the lease period, in accordance with the lease deposit change request received from the landlord's terminal, the lease as desired by the landlord without adjusting the terms of the lease or confirming whether the tenant agrees to change the deposit. Changing the lease deposit in the contract terms from the first amount to the second amount;
    (c) 상기 제1 금액 및 제2 금액 간 차액이 상기 임대관리업자 및 상기 임대인 간에 정산되도록 처리하되, 상기 임대관리업자와 임차인 간의 임차 계약 조건은 그대로 유지되도록 하는 단계; 및 (c) processing the difference between the first amount and the second amount to be settled between the lease manager and the landlord, while maintaining the terms of the tenancy agreement between the lease manager and the tenant; And
    (d) 상기 임대보증금이 제1 금액에서 제2 금액으로 감액되는 경우보다 증액되는 경우에 임대보증금 및 임대월세 간 전환율을 더 높게 하여, 상기 임대관리업자와 임대인 간의 임대 계약 조건 중 임대월세 금액을 상기 제2 금액의 임대보증금에 대응하는 임대월세 금액으로 변경함으로써, 임대관리업자 입장에서 임대보증금 감액 시에는 추가적인 자금 확보, 임대보증금 증액 시에는 상기 임차 계약에 따라 임차인으로부터 수령하는 임차월세와 변경된 임대월세 간 차이에 따른 이윤 획득을 가능하게 하는, 가변 월세 서비스 제공 방법.(d) If the lease deposit is increased from the first amount to the second amount, the conversion rate between the lease deposit and the rent rent is higher, so that the rent rent amount in the terms of the lease between the lease manager and the landlord is increased. By changing the lease rent amount corresponding to the lease deposit amount of the second amount, the lease management company secures additional funds when the lease deposit is reduced, and when the lease deposit is increased, the rent and the rent received from the tenant according to the lease contract. A method of providing a variable rent service, which enables a profit acquisition according to the difference between rents.
  2. 제1항에 있어서,The method of claim 1,
    상기 (c) 단계는,In step (c),
    상기 임대보증금 변경 요청이 임대보증금 증액 요청일 경우, 은행 서버로 하여금 관리계좌에 예치된 금액 중 상기 차액을 상기 임대인의 계좌로 지불하도록 처리하고,If the lease deposit change request is a lease deposit increase request, the bank server processes payment of the difference among the amounts deposited in the management account to the landlord's account;
    상기 임대보증금 변경 요청이 임대보증금 감액 요청일 경우, 상기 임대인으로 하여금 상기 차액을 상기 관리계좌로 납입하도록 처리하는 단계를 포함하는 것을 특징으로 하는, 가변 월세 서비스 제공 방법.And if the lease deposit change request is a lease deposit reduction request, processing the landlord to pay the difference to the management account.
  3. 제1항에 있어서,The method of claim 1,
    상기 (d) 단계 이후,After the step (d),
    은행 서버로 하여금 매월 일정 일자마다 관리계좌에 예치된 금액 중 상기 제2 금액의 임대보증금에 대응하는 임대월세 금액을 상기 임대인의 계좌로 지불하도록 처리하는 단계를 더 포함하는 것을 특징으로 하는, 가변 월세 서비스 제공 방법.And processing a bank server to pay to the landlord's account a rent amount corresponding to the second deposit of the second deposit among the amounts deposited in the management account on a fixed date every month. How we deliver the service.
  4. 임대인에게 임대관리업자와 상기 임대인 간의 임대 계약에 기반한 가변 월세 서비스를 제공하는 임대관리업자 서버에 있어서,In the lease management server to provide a landlord with a variable monthly rent service based on the lease agreement between the lease management company and the landlord,
    특정 임대보증금 및 임대월세를 계약 조건으로 하는 임대관리업자와 임대인 간 임대 계약을 체결하는 프로세스를 수행하는 임대 계약 처리부; A lease contract processing unit which performs a process of concluding a lease agreement between a lease manager and a landlord subject to a specific lease deposit and lease rent;
    특정 임차보증금 및 임차월세를 계약 조건으로 하는 임대관리업자와 임차인 간 임차 계약으로서 상기 임대 계약과는 별도의 계약으로 체결하는 프로세스를 수행하는 임차 계약 처리부; A lease contract processing unit that performs a process of signing a separate contract from the lease contract as a lease agreement between a lease management company and a tenant with a specific lease deposit and lease rent as a contract condition;
    상기 임대 계약 체결 후, 임대 기간 도중, 임대인 단말기로부터 수신한 임대보증금 변경 요청에 따라, 상기 임차 계약의 조건을 조정하거나 임차인의 보증금 변경 동의 여부를 확인하지 않고 상기 임대인이 희망하는 그대로 임대 계약 조건 중 임대보증금을 제1 금액에서 제2 금액으로 변경하고, 상기 제1 금액 및 제2 금액 간 차액이 상기 임대관리업자 및 상기 임대인 간에 정산되도록 처리하되, 상기 임대관리업자와 임차인 간의 임차 계약 조건은 그대로 유지되도록 하는 임대보증금 관리부; 및 After the lease is concluded, during the lease period, in accordance with the lease deposit change request received from the landlord's terminal, the landlord desires to adjust the terms of the lease or confirm whether the tenant agrees to change the deposit. The lease deposit is changed from the first amount to the second amount, and the difference between the first amount and the second amount is settled between the lease manager and the landlord, but the terms of the tenancy agreement between the lease manager and the tenant are maintained. Rental deposit management unit to be maintained; And
    상기 임대보증금이 제1 금액에서 제2 금액으로 감액되는 경우보다 증액되는 경우에 임대보증금 및 임대월세 간 전환율을 더 높게 하여, 상기 임대관리업자와 임대인 간의 임대 계약 조건 중 임대월세 금액을 상기 제2 금액의 임대보증금에 대응하는 임대월세 금액으로 변경함으로써, 임대관리업자 입장에서 임대보증금 감액 시에는 추가적인 자금 확보, 임대보증금 증액 시에는 상기 임차 계약에 따라 임차인으로부터 수령하는 임차월세와 변경된 임대월세 간 차이에 따른 이윤 획득을 가능하게 하는 임대월세 관리부를 포함하는, 임대관리업자 서버.When the lease deposit is increased from the first amount to the second amount, the conversion rate between the lease deposit and the rent is higher, so that the rent rent amount among the lease contractor and the landlord is increased. By changing the rent to the rent rent amount corresponding to the lease deposit, the difference between the rent rent received from the tenant and the rent rent received from the tenant in accordance with the lease contract when the lease deposit is reduced, A lease management server comprising a lease rent management to enable the profit acquisition according to.
  5. 제4항에 있어서,The method of claim 4, wherein
    상기 임대보증금 관리부는,The lease deposit management unit,
    상기 임대보증금 변경 요청이 임대보증금 증액 요청일 경우, 은행 서버로 하여금 관리계좌에 예치된 금액 중 상기 차액을 상기 임대인의 계좌로 지불하도록 처리하고,If the lease deposit change request is a lease deposit increase request, the bank server processes the difference of the amount deposited in the management account to be paid to the landlord's account;
    상기 임대보증금 변경 요청이 임대보증금 감액 요청일 경우, 상기 임대인으로 하여금 상기 차액을 상기 관리계좌로 납입하도록 처리하는 것을 특징으로 하는, 임대관리업자 서버.If the lease deposit change request is a lease deposit reduction request, the landlord to process the landlord to pay the difference to the management account, lease management server.
  6. 제4항에 있어서,The method of claim 4, wherein
    상기 임대월세 관리부는,The rent rent management unit,
    은행 서버로 하여금 매월 일정 일자마다 관리계좌에 예치된 금액 중 상기 제2 금액의 임대보증금에 대응하는 임대월세 금액을 상기 임대인의 계좌로 지불하도록 처리하는 것을 특징으로 하는, 임대관리업자 서버.And processing a bank server to pay the rent amount of the rent corresponding to the second deposit amount of the deposit deposited in the management account on the landlord's account at a fixed date every month.
PCT/KR2017/012097 2016-06-07 2017-10-30 Method and server for providing variable monthly rent service for lessor WO2018080263A1 (en)

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