WO2018080263A1 - Procédé et serveur de fourniture d'un service de loyer mensuel variable pour un locataire - Google Patents

Procédé et serveur de fourniture d'un service de loyer mensuel variable pour un locataire 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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English (en)
Korean (ko)
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공승배
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공승배
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Publication of WO2018080263A1 publication Critical patent/WO2018080263A1/fr

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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

Selon un mode de réalisation, la présente invention concerne un procédé de fourniture d'un service de loyer mensuel variable pour un locataire par un serveur d'agent de location, le procédé consistant : (a) après la conclusion d'un contrat de location, à remplacer un premier montant de dépôt de garantie, qui a été prévu dans le contrat de location, par un second montant de dépôt de garantie que le locataire désire, en fonction d'une demande de modification de dépôt de garantie reçue d'un terminal de locataire au cours du contrat de location ; (b) à traiter un règlement d'une différence entre le premier montant de dépôt de garantie et le second montant de dépôt de garantie ; (c) à remplacer un montant du loyer mensuel correspondant au premier montant de dépôt de garantie par un second montant du loyer mensuel correspondant au second montant de dépôt de garantie.
PCT/KR2017/012097 2016-06-07 2017-10-30 Procédé et serveur de fourniture d'un service de loyer mensuel variable pour un locataire WO2018080263A1 (fr)

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KR20160070420 2016-06-07
KR1020160142031A KR101756600B1 (ko) 2016-06-07 2016-10-28 임대인 가변 월세 서비스 제공 방법 및 서버
KR10-2016-0142031 2016-10-28

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KR102175454B1 (ko) * 2018-07-23 2020-11-06 정유리 부동산 중개 서비스 제공 시스템 및 이를 이용한 부동산 중개 서비스 제공 방법
KR102124382B1 (ko) 2019-12-31 2020-06-19 주식회사 루멘파이낸셜 부동산 월 임대료 결제 및 관리 서비스 플랫폼 제공 시스템
KR102188745B1 (ko) 2019-12-31 2020-12-09 주식회사 루멘파이낸셜 재화 및 용역에 대한 카드 결제 및 관리 서비스 플랫폼 제공 시스템

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