WO2018166315A1 - 购房资格预评估方法、装置、系统以及可读存储介质 - Google Patents

购房资格预评估方法、装置、系统以及可读存储介质 Download PDF

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Publication number
WO2018166315A1
WO2018166315A1 PCT/CN2018/076153 CN2018076153W WO2018166315A1 WO 2018166315 A1 WO2018166315 A1 WO 2018166315A1 CN 2018076153 W CN2018076153 W CN 2018076153W WO 2018166315 A1 WO2018166315 A1 WO 2018166315A1
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Prior art keywords
check
purchase
house
verification
assessment
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PCT/CN2018/076153
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English (en)
French (fr)
Inventor
冯心
罗均
李明
莫智勋
梁瑾
吴训术
Jia WEN (文佳)
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平安科技（深圳）有限公司
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Publication of WO2018166315A1 publication Critical patent/WO2018166315A1/zh

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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
    • G06Q30/00—Commerce
    • G06Q30/01—Customer relationship services
    • 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
    • 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

Definitions

  • the present application relates to the field of financial technology, and in particular, to a pre-assessment method, apparatus, system, and readable storage medium for purchasing a house.
  • the qualification examination for home purchase has become a procedure that every buyer in each city must go through.
  • the developer and the agency will report the relevant information of the purchaser to the housing management department for the qualification examination of the purchase.
  • the housing management department inquires and gives feedback to buyers based on the number of properties and other information. During the inquiry period, the developer and the agency may cancel the inquiry request of the buyer. For those who do not meet the purchase conditions, the developer or agency downloads a printed notice to inform the purchaser that the purchase is not allowed; if the purchaser meets the conditions for purchase, the contract can be signed with the developer. It can be seen that the existing pre-assessment process for purchasing a house is cumbersome, and developers and agencies generally charge a service fee, which leads to a higher pre-assessment cost of purchasing a house.
  • the main purpose of the present application is to provide a pre-assessment method, device, system and readable storage medium for purchasing a house, aiming at solving the technical problem of cumbersome and high cost of the pre-assessment process of the existing house purchase qualification.
  • the present application provides a pre-assessment method for purchasing a house, and the pre-assessment method for purchasing a house includes the following steps:
  • the verification parameter is selected according to the selection instruction
  • the present application further provides a pre-evaluation device for purchasing a house, and the pre-evaluation device for purchasing a house includes:
  • a selection module configured to select the verification parameter according to the selection instruction when detecting a selection instruction that the user selects the verification parameter
  • An arranging module configured to arrange the verification parameters according to a preset arrangement rule to obtain the aligned verification parameters
  • a determining module configured to determine, according to the preset mapping relationship, a pre-evaluation result of the purchase qualification corresponding to the user according to the aligned verification parameter.
  • the present application further provides a pre-qualification system for purchasing a house
  • the pre-assessment system for purchasing a house includes a memory, a processor, and a qualification for purchasing a house stored on the memory and operable on the processor.
  • a pre-evaluation procedure that, when executed by the processor, implements the steps of the pre-qualification method for purchasing a home as described above.
  • the present application further provides a computer readable storage medium, where the pre-assessment pre-evaluation program for purchase is stored, and the pre-evaluation program of the purchase eligibility is implemented by the processor as described above.
  • the present application selects the verification parameter according to the selection instruction when detecting a selection instruction of the user selecting the verification parameter; and arranging the verification parameter according to a preset arrangement rule to obtain the aligned verification parameter. And determining, according to the preset mapping relationship, the pre-evaluation result of the purchase qualification corresponding to the user according to the arranged verification parameter.
  • the purchaser can use the pre-assessment device for pre-assessment of pre-assessment of housing purchases, and can pre-assess the eligibility of purchases at any time and place, avoiding multiple on-site manual enquiries to the Housing Authority, weakening geographical restrictions, simplifying the existing housing qualification evaluation process, and saving The time and effort of both buyers and sellers to reduce the transaction costs of buyers and sellers.
  • FIG. 1 is a schematic flow chart of a first embodiment of a method for pre-assessment of a house purchase qualification according to the present application
  • FIG. 2 is a schematic diagram of a hardware environment of a pre-assessment method for purchasing a house in the present application
  • FIG. 3 is a schematic flow chart of a second embodiment of a method for pre-assessment of a house purchase qualification according to the present application
  • FIG. 4 is a schematic diagram of functional modules of a first embodiment of a pre-assessment device for purchasing a house according to the present application;
  • FIG. 5 is a schematic diagram of functional modules of a second embodiment of a pre-assessment device for purchasing a house according to the present application;
  • FIG. 6 is a schematic structural diagram of a device in a hardware operating environment according to an embodiment of the present application.
  • the application provides a pre-assessment method for purchasing a house.
  • FIG. 1 is a schematic flowchart diagram of a first embodiment of a pre-assessment method for purchasing a house.
  • an embodiment of a pre-assessment method for purchasing a house qualification is provided. It should be noted that although the logical order is shown in the flowchart, in some cases, the execution may be performed in a different order from here. The steps shown or described.
  • the pre-assessment method for pre-qualification of the present application can be applied to a hardware environment composed of the server 102 and the terminal 104 as shown in FIG. 2.
  • the server 102 is connected to the terminal 104 through a network.
  • the network includes but is not limited to a wide area network, a metropolitan area network, or a local area network.
  • the terminal 104 is not limited to a PC, a mobile phone, a tablet, or the like.
  • the method for pre-assessment of the pre-sales qualification of the embodiment of the present application may be executed by the server 102, may be performed by the terminal 104, or may be performed by the server 102 and the terminal 104 in common.
  • the terminal 104 obtains a user's selection instruction through its client and sends the selection instruction to the server; after receiving the corresponding selection instruction, the server selects a corresponding verification parameter from its database, and Executing computer instructions stored on the storage device to arrange the verification parameters according to a preset arrangement rule, and determining, according to the preset mapping relationship, the pre-evaluation of the purchase qualification corresponding to the user according to the arranged verification parameters As a result, the evaluation result is sent to the terminal 104.
  • the method for pre-assessment of home purchase qualifications includes:
  • Step S10 When a selection instruction of the user selecting the verification parameter is detected, the verification parameter is selected according to the selection instruction.
  • the verification parameter is selected according to the detected selection instruction.
  • the user may log in to the website corresponding to the pre-assessment system for purchasing the house, and input information such as his/her name, ID number, and city in the evaluation website, specifically, the qualification for purchasing the house.
  • the pre-assessment system can distinguish between different cities by the city-specific code ID entered by the user.
  • the pre-qualification system for purchasing the house detects information such as the name and/or city ID input by the user, the verification parameter related to the city is displayed on the display interface.
  • Each city corresponds to one or more check factors, and each check factor corresponds to one or more check parameters.
  • the verification factor includes at least one of household registration, marital status, number of existing housing, type of housing purchase, social security payment period, purchase area and purchase area.
  • the purchase category can be divided into new and second-hand houses, and the purchase area can be divided into urban and non-urban areas.
  • the calibration parameters can be represented by numbers, and the specific numbers can be set according to specific needs. If the city is Shenzhen, the verification parameters corresponding to the household registration are 1 and 2, 1 means non-Shenzhen household registration, 2 means Shenzhen household registration; the verification parameters corresponding to the payment of social security years are 1 and 2, 1 means that the social security period has been paid less than 5 Year, 2 indicates that the social security period has been paid is greater than or equal to 5 years.
  • the user can select the calibration parameters that meet their own conditions in the display interface.
  • identifiers may be added for the check factor corresponding to a city.
  • the check parameter corresponding to the check factor the selected check parameters are selected. There will be an identifier corresponding to the check factor.
  • Step S20 Arranging the verification parameters according to a preset arrangement rule to obtain the aligned verification parameters.
  • the verification parameters are arranged according to a preset arrangement rule, and the aligned verification parameters are obtained.
  • the preset arrangement rule is arranged according to the check factor of the check factor, that is, the check factor is arranged in the first place, and the corresponding check parameters are arranged in the first place.
  • the ranking rules of the check factor are from the front to the back of the household registration (my household registration), marital status, spouse household registration, the number of existing housing, and the social security period.
  • the check parameter corresponding to the marital status is 1 (indicating that it is married)
  • the check parameter corresponding to the household registration is 2
  • the check parameter corresponding to the spouse's household registration is 1, and the school corresponding to the social security period is paid.
  • the verification parameter is 2.
  • the verification parameter corresponding to the number of existing houses is 3, and the verification parameter before the arrangement is 12123, and the verification parameter arranged according to the preset arrangement rule is 21132.
  • each check factor has its own unique identifier, and the test parameter contains an identifier corresponding to the check factor, and the corresponding check parameter can be determined by the identifier corresponding to the check factor.
  • Step S30 Determine, according to the preset mapping relationship, a pre-assessment result of the purchase eligibility corresponding to the user according to the arranged verification parameter.
  • the check result is determined according to the aligned check parameters based on the preset mapping relationship. In the mapping relationship, any of the aligned check parameters has a corresponding check result.
  • the pre-evaluation result of the purchase qualification corresponding to the user is determined according to the verification result.
  • the pre-assessment result of the purchase qualification is obtained, the pre-assessment result of the purchase qualification is output for the user to view.
  • step S30 includes:
  • Step a determining, according to the preset mapping relationship, a verification result according to the aligned verification parameter
  • Step b if the corresponding number of purchase houses is not evaluated according to the verification result, it is determined that the user is not eligible to purchase a house in a city corresponding to the check factor;
  • Step c If the corresponding number of purchase houses is estimated according to the verification result, it is determined that the user is eligible to purchase a house in a city corresponding to the check factor, and determine the number of purchase houses corresponding to the user.
  • the check result is determined according to the aligned check parameters based on the preset mapping relationship.
  • the aligned check parameter and the check result exist in the form of a key/value database table
  • the key corresponds to the aligned check parameter
  • the value corresponds to the checksum. result.
  • the value corresponds to the verification result can be expressed in the form of a numerical value or a letter.
  • 1 means that you can buy a house
  • 2 means you can buy two sets of houses
  • 3 means that you have been restricted in the main city of the city
  • 4 means you are not buying in the non-main city of the city
  • 0 means The city's main and non-main areas are restricted and cannot be purchased in the city. It can be understood that the verification result corresponding to the value is not limited to the above described expression.
  • the city purchase restriction corresponding to the verification factor selected by the user is determined, and the user is not eligible to purchase the house in the city; when the corresponding purchase house number is evaluated according to the verification result, the user is determined. It is eligible to purchase a house in the city corresponding to the selected check factor, and determine the number of purchases corresponding to the user.
  • the prompt information may be output, prompting the user to continue to query the pre-qualification amount of the purchase mortgage.
  • the query command for querying the pre-qualification quota is detected, the user is prompted to input the loan amount, the loan term, and the annual interest rate, and the pre-audit amount of the mortgage for the purchase is calculated according to the loan amount, the loan term, and the annual interest rate input by the user. And display the calculated pre-qualification quota on the display interface for the user to view.
  • the verification parameter when the selection instruction of the user selecting the verification parameter is detected, the verification parameter is selected according to the selection instruction; the verification parameter is arranged according to a preset arrangement rule, and the aligned verification is obtained. And determining, according to the preset mapping relationship, the pre-evaluation result of the purchase qualification corresponding to the user according to the arranged verification parameter.
  • the purchaser can use the pre-assessment device for pre-assessment of pre-assessment of housing purchases, and can pre-assess the eligibility of purchases at any time and place, avoiding multiple on-site manual enquiries to the Housing Authority, weakening geographical restrictions, simplifying the existing housing qualification evaluation process, and saving The time and effort of both buyers and sellers to reduce the transaction costs of buyers and sellers.
  • the difference between the second embodiment of the pre-assessment method for the purchase of a house and the first embodiment of the pre-assessment method for the purchase of a house is that, with reference to FIG. 3, the method for pre-assessment of the pre-qualification of the house further includes:
  • Step S40 Acquire a purchase check factor of each city, and set a check parameter corresponding to the check factor.
  • the purchase check factors of each city are determined by the purchase policies of each city.
  • the pre-assessment system for purchasing a house can input the check factors of each city according to the corresponding management personnel of the system to obtain the check factors of each city.
  • the verification parameters corresponding to the household registration can be set to 1 and 2, 1 for Zhuhai household registration, and 2 for non-Zhuhai household registration, where the household registration is The purchaser owns the household registration;
  • the verification parameters corresponding to the number of housing units are 1, 2, 3 and 4, 1 means that there are 0 sets of housing, 2 means there is 1 set of housing, 3 means there are 2 sets of housing, 4 means There are more than or equal to 3 sets of houses, of which the number of existing houses includes the number of houses under the name of the person, spouse, and minor children;
  • the verification parameters corresponding to the payment of social security years are 1 and 2, and 1 indicates the cumulative continuous payment of social security in Zhuhai. The term is less than one year, and 2 indicates that the cumulative social security payment period in Zhuhai has been completed for one year.
  • the verification parameters corresponding to the household registration can be set to 1 and 2, 1 for Shanghai household registration, 2 for non-Shanghai Household registration; the verification parameters corresponding to the payment of social security years are 1 and 2, 1 means that the cumulative social security payment period in Shanghai has not exceeded 5 years, 2 indicates that the cumulative social security payment has been completed in Shanghai for 5 years; the calibration parameters corresponding to the marital status For 1 and 2, 1 means unmarried, 2 means married; I have already divided the number of houses and my spouse, the number of children who have children, the number of houses shared by my parents before January 28, 2011, and my 2011 The number of houses shared with their parents after January 28, the number of houses shared by their spouses with their parents before January 28, 2011, and the number of houses shared by their spouses with their parents after January 28, 2011; the number of houses owned by the person and his or her spouse and minor children
  • the calibration parameters are 1, 2 and 3, 1 means that there are 0 sets of houses, 2
  • 3 indicates that there are more than 3 sets of houses; the number of houses shared by the parents after January 28, 2011 and the number of houses shared by their spouses after January 28, 2011 are 1, 2 and 3, 1 means There are 0 sets of housing, 2 means that there is 1 set of housing, 3 means that there are more than or equal to 2 sets of housing; the matching parameters of the spouse household registration are 1 and 2, 1 means Shanghai household registration, and 2 means non-Shanghai household registration.
  • Step S50 storing the check parameter and the check factor, and setting an arrangement rule of the check factor.
  • the storage medium storing the verification parameters and the check factor of each city includes but is not limited to a read only memory, a magnetic disk or an optical disk.
  • the arrangement rules of each check factor can be set according to the importance of each check factor in the purchase of a house. For example, in Shanghai, the household registration or spouse household registration can be ranked first, and the existing housing number is ranked second, and the social security is paid. Years are ranked in the third place.
  • Step S60 the check parameters corresponding to the check factor are arranged according to the arrangement rule, and the mapping relationship between the check parameters and the check result after the arrangement is set.
  • the check parameters corresponding to the check factors of each city are arranged according to the arrangement rule, the aligned check parameters are obtained, and the mapping relationship between the aligned test parameters and the check result is set. For example, when the ranking rules of Shanghai's various check factors are the first in the household registration, the number of existing housing is in the second place, and the social security payment period is ranked third. Then, when the check parameter after the arrangement is 212, the corresponding check result is 1; when the check parameter after the arrangement is 121, the corresponding check result is 1; when the check parameter after the arrangement is 122 The corresponding verification result is 2; when the aligned verification parameter is 112, the corresponding verification result is 3 or the like.
  • the pre-assessment method for purchasing the house qualification further includes:
  • step d when the modification instruction for modifying the check factor and/or the check parameter is detected, the check factor and/or the check parameter are correspondingly modified according to the modification instruction.
  • the check factor and/or the test parameter are correspondingly modified according to the detected modification instruction.
  • the modification instruction may be to change the verification parameter corresponding to the existing check factor, increase the check factor corresponding to a certain city, delete the check factor corresponding to a certain city, and increase the calibration corresponding to a certain check factor. Check the parameters, or delete the check parameters corresponding to a certain check factor.
  • the above-mentioned storage medium may be a read only memory, a magnetic disk or an optical disk or the like.
  • the application further provides a pre-evaluation device for purchasing a house.
  • FIG. 4 is a schematic diagram of functional modules of a first embodiment of a pre-qualification device for purchasing a house according to the present application.
  • the block diagram shown in FIG. 3 is merely an exemplary diagram of a preferred embodiment, and those skilled in the art can surround the module of the pre-qualification device for purchasing a house as shown in FIG.
  • the new module is easily added; the name of each module is a custom name, which is only used to assist in understanding the various program function blocks of the pre-qualification device for the purchase of the house, and is not used to limit the technical solution of the present application.
  • the core of the technical solution of the present application is The functions to be achieved by the modules that each define the name.
  • the pre-assessment device for purchasing a house includes:
  • the selecting module 10 is configured to select the verification parameter according to the selection instruction when detecting a selection instruction that the user selects the verification parameter.
  • the selection module 10 selects the verification parameter based on the detected selection instruction.
  • the user may log in to the website corresponding to the pre-assessment system of the pre-assessment system, and input information such as his/her name, ID number, and city in the pre-evaluation website, specifically, purchase the house.
  • the prequalification system can distinguish between different cities by the city-specific code ID entered by the user.
  • the pre-qualification system for purchasing the house detects information such as the name and/or city ID input by the user, the verification parameter related to the city is displayed on the display interface.
  • Each city corresponds to one or more check factors, and each check factor corresponds to one or more check parameters.
  • the verification factor includes at least one of household registration, marital status, number of existing housing, type of housing purchase, social security payment period, purchase area and purchase area.
  • the purchase category can be divided into new and second-hand houses, and the purchase area can be divided into urban and non-urban areas.
  • the calibration parameters can be represented by numbers, and the specific numbers can be set according to specific needs.
  • the verification parameters corresponding to the household registration are 1 and 2, 1 means non-Shenzhen household registration, 2 means Shenzhen household registration; the verification parameters corresponding to the payment of social security years are 1 and 2, 1 means that the social security period has been paid less than 5 Year, 2 indicates that the social security period has been paid is greater than or equal to 5 years.
  • the user can select the calibration parameters that meet their own conditions in the display interface.
  • identifiers may be added for the check factor corresponding to a city.
  • the check parameter corresponding to the check factor the selected check parameters are selected. There will be an identifier corresponding to the check factor.
  • the arranging module 20 is configured to arrange the verification parameters according to a preset arrangement rule to obtain the aligned verification parameters.
  • the arranging module 20 arranges the verification parameters according to the preset arrangement rule to obtain the arranging verification parameters.
  • the preset arrangement rule is arranged according to the check factor of the check factor, that is, the check factor is arranged in the first place, and the corresponding check parameters are arranged in the first place.
  • the ranking rules of the check factor are from the front to the back of the household registration (my household registration), marital status, spouse household registration, the number of existing housing, and the social security period.
  • the check parameter corresponding to the marital status is 1 (indicating that it is married)
  • the check parameter corresponding to the household registration is 2
  • the check parameter corresponding to the spouse's household registration is 1, and the school corresponding to the social security period is paid.
  • the verification parameter is 2.
  • the verification parameter corresponding to the number of existing houses is 3, and the verification parameter before the arrangement is 12123, and the verification parameter arranged according to the preset arrangement rule is 21132.
  • each check factor has its own unique identifier, and the test parameter contains an identifier corresponding to the check factor, and the corresponding check parameter can be determined by the identifier corresponding to the check factor.
  • the determining module 30 is configured to determine, according to the preset mapping relationship, a pre-assessment result of the purchase eligibility corresponding to the user according to the arranged check parameter.
  • the determining module 30 determines the check result according to the arranged check parameters based on the preset mapping relationship. In the mapping relationship, any of the aligned check parameters has a corresponding check result. After the verification result is obtained, the determining module 30 determines the pre-evaluation result of the purchase qualification corresponding to the user according to the verification result. When the pre-assessment result of the purchase qualification is obtained, the pre-assessment result of the purchase qualification is output for the user to view.
  • the determining module 30 is further configured to determine, according to the preset mapping relationship, the verification result according to the aligned verification parameter; if the corresponding purchase number is not queried according to the verification result, determine the location The user is not eligible to purchase a house in the city corresponding to the check factor; if the corresponding number of house purchases is queried according to the check result, it is determined that the user is eligible to purchase a house in the city corresponding to the check factor, and determine The number of purchases corresponding to the user.
  • the determining module 30 determines the check result according to the arranged check parameters based on the preset mapping relationship.
  • the aligned check parameter and the check result exist in the form of a key/value database table
  • the key corresponds to the aligned check parameter
  • the value corresponds to the checksum. result.
  • the value corresponds to the verification result can be expressed in the form of a numerical value or a letter.
  • 1 means that you can buy a house
  • 2 means you can buy two sets of houses
  • 3 means that you have been restricted in the main city of the city
  • 4 means you are not buying in the non-main city of the city
  • 0 means The city's main and non-main areas are restricted and cannot be purchased in the city. It can be understood that the verification result corresponding to the value is not limited to the above described expression.
  • the determining module 30 determines the city purchase restriction corresponding to the check factor selected by the user, and the user is not eligible to purchase the house in the city; when the corresponding purchase house number is evaluated according to the verification result The determining module 30 determines that the user is eligible to purchase a house in a city corresponding to the selected check factor, and determines the number of home purchases corresponding to the user.
  • the prompt information may be output, prompting the user to continue to query the pre-qualification amount of the purchase mortgage.
  • the user is prompted to input the loan amount, the loan term, and the annual interest rate, etc., and calculate the pre-qualification amount of the mortgage for the purchase based on the loan amount, the loan term, and the annual interest rate input by the user. And display the calculated pre-qualification quota on the display interface for the user to view.
  • the verification parameter when the selection instruction of the user selecting the verification parameter is detected, the verification parameter is selected according to the selection instruction; the verification parameter is arranged according to a preset arrangement rule, and the aligned verification is obtained. And determining, according to the preset mapping relationship, the pre-evaluation result of the purchase qualification corresponding to the user according to the arranged verification parameter.
  • the purchaser can use the pre-assessment device for pre-assessment of pre-assessment of housing purchases, and can pre-assess the eligibility of purchases at any time and place, avoiding multiple on-site manual enquiries to the Housing Authority, weakening geographical restrictions, simplifying the existing housing qualification evaluation process, and saving The time and effort of both buyers and sellers to reduce the transaction costs of buyers and sellers.
  • the pre-evaluation device for pre-qualification of the house further includes:
  • the obtaining module 40 is configured to obtain a purchase check factor of each city
  • the setting module 50 is configured to set a verification parameter corresponding to the check factor.
  • the obtaining module 40 obtains a purchase check factor of each city, and the setting module 50 sets a check parameter corresponding to the check factor. It can be understood that due to different housing purchase policies in different cities, the purchase check factors of each city may also be different, and the check parameters corresponding to each check factor may also be different.
  • the check factors for each city are determined by the purchase policies of each city.
  • the pre-assessment system for purchasing a house can input the check factors of each city according to the corresponding management personnel of the system to obtain the check factors of each city.
  • the setting module 50 can set the verification parameters corresponding to the household registration as 1 and 2, 1 for Zhuhai household registration, and 2 for non-Zhuhai household registration, wherein
  • the household registration is the household registration of the purchaser;
  • the verification parameters corresponding to the number of existing housing units are 1, 2, 3 and 4, 1 means that there are 0 sets of housing, 2 means there is 1 set of housing, 3 means there are 2 sets of housing, 4 indicates that there are 3 or more houses, of which the number of existing houses includes the number of houses under the name of the person, spouse, and minor children;
  • the verification parameters corresponding to the payment of social security years are 1 and 2, and 1 indicates the accumulation in Zhuhai.
  • the continuous payment of social security for less than one year, 2 indicates that the cumulative social security payment in Zhuhai has been completed for one year.
  • the setting module 50 can set the verification parameters corresponding to the household registration as 1 and 2, 1 indicating Shanghai household registration, 2 Indicates non-Shanghai household registration; the verification parameters corresponding to the payment of social security years are 1 and 2, 1 indicates that the cumulative social security payment period in Shanghai has not been completed for 5 years, 2 indicates that the cumulative social security payment period in Shanghai has been 5 years; the marital status corresponds
  • the verification parameters are 1 and 2, 1 means unmarried, 2 means married; I have already divided the number of houses and my spouse, the number of children who have children, and the number of houses shared with my parents before January 28, 2011.
  • a storage module 60 configured to store the verification parameter and a check factor
  • the setting module 50 is further configured to set an arrangement rule of the check factor.
  • the storage module 60 stores the verification parameters and the check factors of the respective cities, and the setting module 50 sets the arrangement rules of the respective city check factors.
  • the storage medium storing the verification parameters and the check factor of each city includes but is not limited to a read only memory, a magnetic disk or an optical disk.
  • the arrangement rules of each check factor can be set according to the importance of each check factor in the purchase of a house. For example, in Shanghai, the household registration or spouse household registration can be ranked first, and the existing housing number is ranked second, and the social security is paid. Years are ranked in the third place.
  • the arranging module 20 is further configured to arrange the verification parameters corresponding to the check factor according to the arrangement rule;
  • the setting module 50 is further configured to set a mapping relationship between the aligned check parameters and the check result.
  • the arranging module 20 After determining the arrangement rule of the check factor, the arranging module 20 arranges the check parameters corresponding to the city check factors according to the arrangement rule to obtain the arranging check parameters, and the setting module 50 sets the arranging test parameters and the check results.
  • the mapping relationship between For example, when the ranking rules of Shanghai's various check factors are the first in the household registration, the number of existing housing is in the second place, and the social security payment period is ranked third. Then, when the check parameter after the arrangement is 212, the corresponding check result is 1; when the check parameter after the arrangement is 121, the corresponding check result is 1; when the check parameter after the arrangement is 122 The corresponding verification result is 2; when the aligned verification parameter is 112, the corresponding verification result is 3 or the like.
  • the pre-qualification device for purchasing a house further includes:
  • a modifying module configured to: when the modification instruction for modifying the check factor and/or the check parameter is detected, modify the check factor and/or the check parameter according to the modify instruction.
  • the modification module correspondingly modifies the check factor and/or the test parameter according to the detected modification instruction.
  • the modification instruction may be to change the verification parameter corresponding to the existing check factor, increase the check factor corresponding to a certain city, delete the check factor corresponding to a certain city, and increase the calibration corresponding to a certain check factor. Check the parameters, or delete the check parameters corresponding to a certain check factor.
  • FIG. 6 is a schematic structural diagram of a device in a hardware operating environment involved in the solution of the embodiment of the present application.
  • the pre-assessment system for purchasing a house qualification in the embodiment of the present application may be a PC (personal computer), or may be a smart phone, a tablet computer, an e-book reader, and an MP3 (Moving). Picture Experts Group Audio Layer III, motion picture expert compresses standard audio layer 3) player, MP4 (Moving Picture Experts Group Audio Layer IV, dynamic video experts compress standard audio layers 4) Players, portable computers and other portable terminal devices with display functions.
  • the purchase pre-qualification system may include a processor 1001, such as a CPU, a network interface 1004, a user interface 1003, a memory 1005, and a communication bus 1002.
  • the communication bus 1002 is used to implement connection communication between these components.
  • the user interface 1003 can include a display, an input unit such as a keyboard, and the optional user interface 1003 can also include a standard wired interface, a wireless interface.
  • the memory 1005 may be a high speed RAM memory or a stable memory (non-volatile) Memory), such as disk storage.
  • the memory 1005 can also optionally be a storage device independent of the aforementioned processor 1001.
  • the pre-assessment system for pre-qualification can also include a camera, RF (Radio) Frequency, RF) circuits, sensors, audio circuits, WiFi modules, and more.
  • RF Radio
  • RF Radio Frequency
  • FIG. 1 does not constitute a limitation of the terminal, and may include more or less components than those illustrated, or combine some components or different components. Arrangement.
  • an operating system and a pre-qualification pre-evaluation program can be included in the memory 1005 as a computer storage medium.
  • the operating system is a program that manages and controls the hardware and software resources of the pre-assessment system of the pre-qualification system, and supports the pre-evaluation process of the pre-qualification of the house and the operation of other software and/or programs.
  • the user interface 1003 is mainly used for detecting a selection instruction, a modification instruction, and the like.
  • the processor 1001 can be used to invoke the purchase pre-qualification procedure stored in the memory 1005 and execute the steps of the pre-qualification method for purchasing a house.
  • the embodiment of the present application further provides a computer readable storage medium, where the pre-assessment pre-evaluation program for purchases is stored on the computer-readable storage medium, and the pre-assessment method for pre-qualification of the purchase e-presence is implemented by the processor. A step of.
  • the foregoing embodiment method can be implemented by means of software plus a necessary general hardware platform, and of course, can also be through hardware, but in many cases, the former is better.
  • Implementation Based on such understanding, the technical solution of the present application, which is essential or contributes to the prior art, may be embodied in the form of a software product stored in a storage medium (such as ROM/RAM, disk,
  • the optical disc includes a number of instructions for causing a terminal device (which may be a mobile phone, a computer, a server, an air conditioner, or a network device, etc.) to perform the methods described in various embodiments of the present application.

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Abstract

本申请公开了一种购房资格预评估方法、装置、设备及可读存储介质，该方法包括步骤：当侦测到用户选择校验参数的选择指令时，根据选择指令选择校验参数；按照预设排列规则排列校验参数，得到排列后的校验参数；基于预设的映射关系，根据排列后的校验参数确定用户对应的购房资格预评估结果。本申请实现了购房者可以通过该购房资格预评估装置进行购房资格预评估，可以随时随地预评估购房资格，避免多次前往房管局现场人工查询，弱化地域限制，简化了现有购房资格评估流程，节约了房屋买卖双方的时间与精力，降低买卖双方的交易成本。该购房资格预评估装置还可以帮助房屋买卖双方的房产交易过程更为公平合理，减少因市场行情波动对房产交易的影响。

Description

购房资格预评估方法、装置、系统以及可读存储介质
本申请要求于2017年3月13日提交中国专利局、申请号为201710149821.5、发明名称为“购房资格预评估方法和装置”的中国专利申请的优先权，其全部内容通过引用结合在申请中。
技术领域
本申请涉及金融技术领域，尤其涉及一种购房资格预评估方法、装置、系统以及可读存储介质。
背景技术
限购令政策执行以来，购房资格审查，已经成为每个城市每名购房者必须经历的程序。选购新房时，购房者需如实提供家庭成员户籍、已有房产数量等相关信息，由开发商、代理机构将购房者的相关信息上报给房管部门进行购房资格审查。房管部门对购房者根据房产数量等信息进行查询并反馈。在查询期间，开发商、代理机构可撤销该购房者的查询申请。而对于不符合购房条件者，由开发商或者代理机构下载打印通知单告知购房者，不允许购房；符合购房条件者，才能与开发商进行签约。由此可知，现有的购房资格预评估流程较为繁琐，而且开发商、代理机构一般都会收取服务费，从而导致购房资格预评估成本较高。
发明内容
本申请的主要目的在于提供一种购房资格预评估方法、装置、系统以及可读存储介质，旨在解决现有的购房资格预评估流程繁琐，成本高的技术问题。
为实现上述目的，本申请提供一种购房资格预评估方法，所述购房资格预评估方法包括步骤：
当侦测到用户选择校验参数的选择指令时，根据所述选择指令选择所述校验参数；
按照预设排列规则排列所述校验参数，得到排列后的所述校验参数；
基于预设的映射关系，根据排列后的所述校验参数确定所述用户对应的购房资格预评估结果。
此外，为实现上述目的，本申请还提供一种购房资格预评估装置，所述购房资格预评估装置包括：
选择模块，用于当侦测到用户选择校验参数的选择指令时，根据所述选择指令选择所述校验参数；
排列模块，用于按照预设排列规则排列所述校验参数，得到排列后的所述校验参数；
确定模块，用于基于预设的映射关系，根据排列后的所述校验参数确定所述用户对应的购房资格预评估结果。
此外，为实现上述目的，本申请还提供一种购房资格预评估系统，所述购房资格预评估系统包括存储器、处理器和存储在所述存储器上并可在所述处理器上运行的购房资格预评估程序，所述购房资格预评估程序被所述处理器执行时实现如上所述的购房资格预评估方法的步骤。
此外，为实现上述目的，本申请还提供一种计算机可读存储介质，所述计算机可读存储介质上存储有购房资格预评估程序，所述购房资格预评估程序被处理器执行时实现如上所述的购房资格预评估方法的步骤。
本申请通过当侦测到用户选择校验参数的选择指令时，根据所述选择指令选择所述校验参数；按照预设排列规则排列所述校验参数，得到排列后的所述校验参数；基于预设的映射关系，根据排列后的所述校验参数确定所述用户对应的购房资格预评估结果。实现了购房者可以通过该购房资格预评估装置进行购房资格预评估，可以随时随地预评估购房资格，避免多次前往房管局现场人工查询，弱化地域限制，简化了现有购房资格评估流程，节约了房屋买卖双方的时间与精力，降低买卖双方的交易成本。
附图说明
图1为本申请购房资格预评估方法第一实施例的流程示意图；
图2为本申请购房资格预评估方法的硬件环境示意图；
图3为本申请购房资格预评估方法第二实施例的流程示意图；
图4为本申请购房资格预评估装置第一实施例的功能模块示意图；
图5为本申请购房资格预评估装置第二实施例的功能模块示意图；
图6是本申请实施例方案涉及的硬件运行环境的设备结构示意图。
本申请目的的实现、功能特点及优点将结合实施例，参照附图做进一步说明。
具体实施方式
应当理解，此处所描述的具体实施例仅仅用以解释本申请，并不用于限定本申请。
本申请提供一种购房资格预评估方法。
参照图1，图1为本申请购房资格预评估方法第一实施例的流程示意图。
在本实施例中，提供了购房资格预评估方法的实施例，需要说明的是，虽然在流程图中示出了逻辑顺序，但是在某些情况下，可以以不同于此处的顺序执行所示出或描述的步骤。
本申请的购房资格预评估方法可以应用于如图2所示的由服务器102和终端104所构成的硬件环境中。如图2所示，服务器102通过网络与终端104进行连接，上述网络包括但不限于：广域网、城域网或局域网，终端104并不限定于PC、手机、平板电脑等。本申请实施例的购房资格预评估方法可以由服务器102来执行，也可以由终端104来执行，还可以是由服务器102和终端104共同执行。例如，在一些实施例中，终端104通过其客户端获取用户的选择指令，并将选择指令发送给服务器；服务器在接收到相应的选择指令后，从其数据库中选择相应的校验参数，并执行存储在存储设备上的计算机指令以按照预设的排列规则对校验参数进行排列，并基于预设的映射关系，根据排列后的所述校验参数确定所述用户对应的购房资格预评估结果，并将评估结果之后发送给终端104。
在一些实施例中，购房资格预评估方法包括：
步骤S10，当侦测到用户选择校验参数的选择指令时，根据所述选择指令选择所述校验参数。
当侦测到用户选择校验参数的选择指令时，根据所侦测的选择指令选择校验参数。在本申请实施例中，当用户需要评估购房资格时，用户可登陆购房资格预评估系统对应的网站，在评估网站中输入自己的姓名、身份证号和所在城市等信息，具体地，购房资格预评估系统可通过用户输入的城市唯一编码ID来区分不同的城市。当购房资格预评估系统侦测到用户输入的姓名和/或城市ID等信息时，在显示界面显示与这个城市相关的校验参数。其中，每个城市对应着一个或者多个校验因子，每个校验因子对应着一个或者多个校验参数。校验因子至少包括户籍、婚姻状况、已有住房数量、购房类别、缴纳社保年限、购房区域和购房面积中的一种。购房类别可分为新房和二手房，购房区域可分为市区和非市区等。校验参数可由数字来表示，具体的数字可根据具体需要设置。如该城市为深圳时，户籍对应的校验参数为1和2，1表示非深圳户籍，2表示深圳户籍；缴纳社保年限对应的校验参数为1和2，1表示已缴纳社保年限小于5年，2表示已缴纳社保年限大于或者等于5年。用户可以在显示界面中选择符合自己条件的校验参数。
进一步地，为了区分不同的校验因子对应的校验参数，可为一个城市所对应的校验因子添加不同的标识，当用户选择校验因子对应的校验参数时，所选择的校验参数都会带有对应校验因子的标识。
步骤S20，按照预设排列规则排列所述校验参数，得到排列后的所述校验参数。
当获取到用户选择的校验参数时，按照预设排列规则排列校验参数，得到排列后的校验参数。其中，预设排列规则为按照校验因子的排列规则，即校验因子排列在第几位，则将对应的校验参数就排列在第几位。
如当用户所在城市为深圳时，校验因子的排列规则从前到后为户籍（本人户籍）、婚姻状况、配偶户籍、已有住房数量、缴纳社保年限。当用户选择检验参数的先后顺序为；婚姻状况对应的校验参数为1（表示已婚）、户籍对应的校验参数为2、配偶户籍对应的校验参数为1、缴纳社保年限对应的校验参数为2、已有住房数量对应的校验参数为3，此时排列前的校验参数为12123，按照预设排列规则排列后的校验参数为21132。需要说明的是，各个校验因子都有自己唯一的标识，检验参数中含有对应校验因子的标识，通过校验因子对应的标识可以确定对应的校验参数。
步骤S30，基于预设的映射关系，根据排列后的所述校验参数确定所述用户对应的购房资格预评估结果。
当得到排列后的校验参数时，基于预设的映射关系，根据排列后的校验参数确定校验结果。在映射关系中，任一排列后的校验参数都有对应的校验结果。当得到校验结果后，根据校验结果确定用户对应的购房资格预评估结果。当得到购房资格预评估结果时，输出该购房资格预评估结果供用户查看。
进一步地，所述步骤S30包括：
步骤a，基于预设的映射关系，根据排列后的所述校验参数确定校验结果；
步骤b，若根据所述校验结果未评估出对应的购房套数，则确定所述用户没有资格在所述校验因子对应的城市购房；
步骤c，若根据所述校验结果评估出对应的购房套数，则确定所述用户有资格在所述校验因子对应的城市购房，并确定所述用户对应的购房套数。
当得到排列后的校验参数时，基于预设的映射关系，根据排列后的校验参数确定校验结果。需要说明的是，在映射关系中，排列后的校验参数与校验结果之间是以key/value数据库表的形式存在，key对应的是排列后的校验参数，value对应的是校验结果。其中，value对应的是校验结果可用数值或者字母等形式表示。如当使用数值表示时，1表示可以购买一套住房，2表示可以购买两套住房，3表示在该城市的主城区已被限购，4表示在该城市的非主城区不限购，0表示该城市的主城区和非主城区都被限购，不可在该城市购买住房等。可以理解的是，value对应的校验结果并不限制于上述所描述的表现形式。
当根据校验结果未评估出对应的购房套数时，确定用户所选择的校验因子对应的城市限购，用户没有资格在该城市购房；当根据校验结果评估出对应的购房套数时，确定用户有资格在所选择的校验因子对应的城市购房，并确定用户对应的购房套数。
进一步地，当确定用户有资格在该城市购房时，可输出提示信息，提示用户可继续查询购房按揭的预审额度。当侦测到查询预审额度的查询指令时，提示用户输入贷款金额、贷款年限、以及年利率等信息，根据用户所输入的贷款金额、贷款年限、以及年利率等信息，计算购房按揭的预审额度，并将计算的预审额度显示在显示界面上，供用户查看。
本实施例通过当侦测到用户选择校验参数的选择指令时，根据所述选择指令选择所述校验参数；按照预设排列规则排列所述校验参数，得到排列后的所述校验参数；基于预设的映射关系，根据排列后的所述校验参数确定所述用户对应的购房资格预评估结果。实现了购房者可以通过该购房资格预评估装置进行购房资格预评估，可以随时随地预评估购房资格，避免多次前往房管局现场人工查询，弱化地域限制，简化了现有购房资格评估流程，节约了房屋买卖双方的时间与精力，降低买卖双方的交易成本。
进一步地，提出本申请购房资格预评估方法第二实施例。
所述购房资格预评估方法第二实施例与所述购房资格预评估方法第一实施例的区别在于，参照图3，所述购房资格预评估方法还包括：
步骤S40，获取各城市的购房校验因子，设置所述校验因子对应的校验参数。
获取各个城市的购房校验因子，并设置校验因子对应的校验参数。可以理解的是，由于各个城市购房政策的不同，各个城市的购房校验因子也可能不相同，且各个校验因子对应的校验参数也可不相同。各个城市的校验因子由各个城市的购房政策决定。购房资格预评估系统可根据该系统对应的管理人员输入各个城市的校验因子以获取各个城市的校验因子。
如当珠海对应的校验因子有户籍、已有住房数量和缴纳社保年限时，可设置户籍对应的校验参数为1和2，1表示珠海户籍，2表示非珠海户籍，其中，该户籍为购房者本人户籍；已有住房套数对应的校验参数为1、2、3和4，1表示已有0套住房，2表示已有1套住房，3表示已有2套住房，4表示已有大于或者等于3套住房，其中，已有住房数量包括本人、配偶、以及未成年子女名下的住房数量；缴纳社保年限对应的校验参数为1和2，1表示在珠海累计连续缴纳社保年限未满1年，2表示在珠海累计连续缴纳社保年限已满1年。
当上海对应的校验因子有本人户籍、缴纳社保年限、婚姻状况、已有住房数量和配偶户籍时，可设置本人户籍对应的校验参数为1和2，1表示上海户籍，2表示非上海户籍；缴纳社保年限对应的校验参数为1和2，1表示在上海累计连续缴纳社保年限未满5年，2表示在上海累计连续缴纳社保年限已满5年；婚姻状况对应的校验参数为1和2，1表示未婚，2表示已婚；本人已有住房数量分为本人以及其配偶、未成年子女已有住房数量、本人2011年1月28日前与其父母共有住房数量、本人2011年1月28日后与其父母共有住房数量、配偶2011年1月28日前与其父母共有住房数量、配偶2011年1月28日后与其父母共有住房数量；本人以及其配偶、未成年子女已有住房数量对应的校验参数为1、2和3，1表示已有0套住房，2表示已有1套住房，3表示已有大于或者等于2套住房；本人2011年1月28日前与其父母共有住房数量，以及配偶2011年1月28日前与其父母共有住房数量对应的校验参数都为1、2和3，1表示已有3套以内住房，2表示已有3套住房，3表示已有大于3套住房；本人2011年1月28日后与其父母共有住房数量，以及配偶2011年1月28日后与其父母共有住房数量对应的校验参数都为1、2和3，1表示已有0套住房，2表示已有1套住房，3表示已有大于或者等于2套住房；配偶户籍对应的校验参数为1和2，1表示上海户籍，2表示非上海户籍。
步骤S50，存储所述校验参数和校验因子，并设置所述校验因子的排列规则。
存储各个城市的校验参数和校验因子，并设置各个城市校验因子的排列规则。需要说明的是，存储各个城市校验参数和校验因子的存储介质包括但不限于只读存储器、磁盘或者光盘。各个校验因子的排列规则可根据各个校验因子在购房中的重要程度而设置，如在上海，可将本人户籍或配偶户籍排列在首位，将已有住房数量排列在第二位，缴纳社保年限排列在第三位等。
步骤S60，根据所述排列规则排列所述校验因子对应的校验参数，并设置排列后的所述校验参数和校验结果之间的映射关系。
当确定校验因子的排列规则后，根据排列规则排列各个城市校验因子对应的校验参数，得到排列后的校验参数，并设置排列后的检验参数和校验结果之间的映射关系。如当上海各个校验因子的排列规则为户籍在第一位，已有住房数量在第二位，缴纳社保年限排列在第三位。则可设置当排列后的校验参数为212时，对应的校验结果为1；当排列后的校验参数为121时，对应的校验结果为1；当排列后的校验参数为122时，对应的校验结果为2；当排列后的校验参数为112时，对应的校验结果为3等。
进一步地，所述购房资格预评估方法还包括：
步骤d，当侦测到修改所述校验因子和/或校验参数的修改指令时，根据所述修改指令对应修改所述校验因子和/或校验参数。
进一步地，当侦测到修改校验因子和/或校验参数的修改指令时，根据所侦测的修改指令对应修改校验因子和/或检验参数。可以理解的是，修改指令可为变更现有校验因子对应的校验参数、增加某个城市对应的校验因子、删除某个城市对应的校验因子、增加某个校验因子对应的校验参数，或者删除某个校验因子对应的校验参数等。
本实施例通过设置各个城市校验因子对应的校验参数，设置各个校验因子的排列规则，以及根据排列规则排列后的校验参数和校验结果之间的映射关系，以实现购房者可随时随地预评估购房资格。
需要说明的是，本领域普通技术人员可以理解实现上述实施例的全部或部分步骤可以通过硬件来完成，也可以通过程序来指令相关的硬件完成，所述的程序可以存储于一种计算机可读存储介质中，上述提到的存储介质可以是只读存储器，磁盘或光盘等。
本申请进一步提供一种购房资格预评估装置。
参照图4，图4为本申请购房资格预评估装置的第一实施例的功能模块示意图。
需要强调的是，对本领域的技术人员来说，图3所示模块图仅仅是一个较佳实施例的示例图，本领域的技术人员围绕图3所示的购房资格预评估装置的模块，可轻易进行新的模块的补充；各模块的名称是自定义名称，仅用于辅助理解该购房资格预评估装置的各个程序功能块，不用于限定本申请的技术方案，本申请技术方案的核心是，各自定义名称的模块所要达成的功能。
在本实施例中，所述购房资格预评估装置包括：
选择模块10，用于当侦测到用户选择校验参数的选择指令时，根据所述选择指令选择所述校验参数。
当侦测到用户选择校验参数的选择指令时，选择模块10根据所侦测的选择指令选择校验参数。在本申请实施例中，当用户需要评估购房资格时，用户可登陆购房资格预评估系统对应的网站，在预评估网站中输入自己的姓名、身份证号和所在城市等信息，具体地，购房资格预评估系统可通过用户输入的城市唯一编码ID来区分不同的城市。当购房资格预评估系统侦测到用户输入的姓名和/或城市ID等信息时，在显示界面显示与这个城市相关的校验参数。其中，每个城市对应着一个或者多个校验因子，每个校验因子对应着一个或者多个校验参数。校验因子至少包括户籍、婚姻状况、已有住房数量、购房类别、缴纳社保年限、购房区域和购房面积中的一种。购房类别可分为新房和二手房，购房区域可分为市区和非市区等。校验参数可由数字来表示，具体的数字可根据具体需要设置。如该城市为深圳时，户籍对应的校验参数为1和2，1表示非深圳户籍，2表示深圳户籍；缴纳社保年限对应的校验参数为1和2，1表示已缴纳社保年限小于5年，2表示已缴纳社保年限大于或者等于5年。用户可以在显示界面中选择符合自己条件的校验参数。
进一步地，为了区分不同的校验因子对应的校验参数，可为一个城市所对应的校验因子添加不同的标识，当用户选择校验因子对应的校验参数时，所选择的校验参数都会带有对应校验因子的标识。
排列模块20，用于按照预设排列规则排列所述校验参数，得到排列后的所述校验参数。
当获取到用户选择的校验参数时，排列模块20按照预设排列规则排列校验参数，得到排列后的校验参数。其中，预设排列规则为按照校验因子的排列规则，即校验因子排列在第几位，则将对应的校验参数就排列在第几位。
如当用户所在城市为深圳时，校验因子的排列规则从前到后为户籍（本人户籍）、婚姻状况、配偶户籍、已有住房数量、缴纳社保年限。当用户选择检验参数的先后顺序为;婚姻状况对应的校验参数为1（表示已婚）、户籍对应的校验参数为2、配偶户籍对应的校验参数为1、缴纳社保年限对应的校验参数为2、已有住房数量对应的校验参数为3，此时排列前的校验参数为12123，按照预设排列规则排列后的校验参数为21132。需要说明的是，各个校验因子都有自己唯一的标识，检验参数中含有对应校验因子的标识，通过校验因子对应的标识可以确定对应的校验参数。
确定模块30，用于基于预设的映射关系，根据排列后的所述校验参数确定所述用户对应的购房资格预评估结果。
当得到排列后的校验参数时，确定模块30基于预设的映射关系，根据排列后的校验参数确定校验结果。在映射关系中，任一排列后的校验参数都有对应的校验结果。当得到校验结果后，确定模块30根据校验结果确定用户对应的购房资格预评估结果。当得到购房资格预评估结果时，输出该购房资格预评估结果供用户查看。
进一步地，所述确定模块30还用于基于预设的映射关系，根据排列后的所述校验参数确定校验结果；若根据所述校验结果未查询出对应的购房套数，则确定所述用户没有资格在所述校验因子对应的城市购房；若根据所述校验结果查询出对应的购房套数，则确定所述用户有资格在所述校验因子对应的城市购房，并确定所述用户对应的购房套数。
当得到排列后的校验参数时，确定模块30基于预设的映射关系，根据排列后的校验参数确定校验结果。需要说明的是，在映射关系中，排列后的校验参数与校验结果之间是以key/value数据库表的形式存在，key对应的是排列后的校验参数，value对应的是校验结果。其中，value对应的是校验结果可用数值或者字母等形式表示。如当使用数值表示时，1表示可以购买一套住房，2表示可以购买两套住房，3表示在该城市的主城区已被限购，4表示在该城市的非主城区不限购，0表示该城市的主城区和非主城区都被限购，不可在该城市购买住房等。可以理解的是，value对应的校验结果并不限制于上述所描述的表现形式。
当根据校验结果未评估出对应的购房套数时，确定模块30确定用户所选择的校验因子对应的城市限购，用户没有资格在该城市购房；当根据校验结果评估出对应的购房套数时，确定模块30确定用户有资格在所选择的校验因子对应的城市购房，并确定用户对应的购房套数。
进一步地，当确定用户有资格在该城市购房时，可输出提示信息，提示用户可继续查询购房按揭的预审额度。当侦测到评估预审额度的查询指令时，提示用户输入贷款金额、贷款年限、以及年利率等信息，根据用户所输入的贷款金额、贷款年限、以及年利率等信息，计算购房按揭的预审额度，并将计算的预审额度显示在显示界面上，供用户查看。
本实施例通过当侦测到用户选择校验参数的选择指令时，根据所述选择指令选择所述校验参数；按照预设排列规则排列所述校验参数，得到排列后的所述校验参数；基于预设的映射关系，根据排列后的所述校验参数确定所述用户对应的购房资格预评估结果。实现了购房者可以通过该购房资格预评估装置进行购房资格预评估，可以随时随地预评估购房资格，避免多次前往房管局现场人工查询，弱化地域限制，简化了现有购房资格评估流程，节约了房屋买卖双方的时间与精力，降低买卖双方的交易成本。
进一步地，提出本申请购房资格预评估装置第二实施例。
所述购房资格预评估装置第二实施例与所述购房资格预评估装置第一实施例的区别在于，参照图5，所述购房资格预评估装置还包括：
获取模块40，用于获取各城市的购房校验因子；
设置模块50，用于设置所述校验因子对应的校验参数。
获取模块40获取各个城市的购房校验因子，设置模块50设置校验因子对应的校验参数。可以理解的是，由于各个城市购房政策的不同，各个城市的购房校验因子也可能不相同，且各个校验因子对应的校验参数也可不相同。各个城市的校验因子由各个城市的购房政策决定。购房资格预评估系统可根据该系统对应的管理人员输入各个城市的校验因子以获取各个城市的校验因子。
如当珠海对应的校验因子有户籍、已有住房数量和缴纳社保年限时，设置模块50可设置户籍对应的校验参数为1和2，1表示珠海户籍，2表示非珠海户籍，其中，该户籍为购房者本人户籍；已有住房套数对应的校验参数为1、2、3和4，1表示已有0套住房，2表示已有1套住房，3表示已有2套住房，4表示已有大于或者等于3套住房，其中，已有住房数量包括本人、配偶、以及未成年子女名下的住房数量；缴纳社保年限对应的校验参数为1和2，1表示在珠海累计连续缴纳社保年限未满1年，2表示在珠海累计连续缴纳社保年限已满1年。
当上海对应的校验因子有本人户籍、缴纳社保年限、婚姻状况、已有住房数量和配偶户籍时，设置模块50可设置本人户籍对应的校验参数为1和2，1表示上海户籍，2表示非上海户籍；缴纳社保年限对应的校验参数为1和2，1表示在上海累计连续缴纳社保年限未满5年，2表示在上海累计连续缴纳社保年限已满5年；婚姻状况对应的校验参数为1和2，1表示未婚，2表示已婚；本人已有住房数量分为本人以及其配偶、未成年子女已有住房数量、本人2011年1月28日前与其父母共有住房数量、本人2011年1月28日后与其父母共有住房数量、配偶2011年1月28日前与其父母共有住房数量、配偶2011年1月28日后与其父母共有住房数量；本人以及其配偶、未成年子女已有住房数量对应的校验参数为1、2和3，1表示已有0套住房，2表示已有1套住房，3表示已有大于或者等于2套住房；本人2011年1月28日前与其父母共有住房数量，以及配偶2011年1月28日前与其父母共有住房数量对应的校验参数都为1、2和3，1表示已有3套以内住房，2表示已有3套住房，3表示已有大于3套住房；本人2011年1月28日后与其父母共有住房数量，以及配偶2011年1月28日后与其父母共有住房数量对应的校验参数都为1、2和3，1表示已有0套住房，2表示已有1套住房，3表示已有大于或者等于2套住房；配偶户籍对应的校验参数为1和2，1表示上海户籍，2表示非上海户籍。
存储模块60，用于存储所述校验参数和校验因子；
所述设置模块50还用于设置所述校验因子的排列规则。
存储模块60存储各个城市的校验参数和校验因子，设置模块50设置各个城市校验因子的排列规则。需要说明的是，存储各个城市校验参数和校验因子的存储介质包括但不限于只读存储器、磁盘或者光盘。各个校验因子的排列规则可根据各个校验因子在购房中的重要程度而设置，如在上海，可将本人户籍或配偶户籍排列在首位，将已有住房数量排列在第二位，缴纳社保年限排列在第三位等。
所述排列模块20还用于根据所述排列规则排列所述校验因子对应的校验参数；
所述设置模块50还用于设置排列后的所述校验参数和校验结果之间的映射关系。
当确定校验因子的排列规则后，排列模块20根据排列规则排列各个城市校验因子对应的校验参数，得到排列后的校验参数，设置模块50设置排列后的检验参数和校验结果之间的映射关系。如当上海各个校验因子的排列规则为户籍在第一位，已有住房数量在第二位，缴纳社保年限排列在第三位。则可设置当排列后的校验参数为212时，对应的校验结果为1；当排列后的校验参数为121时，对应的校验结果为1；当排列后的校验参数为122时，对应的校验结果为2；当排列后的校验参数为112时，对应的校验结果为3等。
进一步地，所述购房资格预评估装置还包括：
修改模块，用于当侦测到修改所述校验因子和/或校验参数的修改指令时，根据所述修改指令对应修改所述校验因子和/或校验参数。
进一步地，当侦测到修改校验因子和/或校验参数的修改指令时，修改模块根据所侦测的修改指令对应修改校验因子和/或检验参数。可以理解的是，修改指令可为变更现有校验因子对应的校验参数、增加某个城市对应的校验因子、删除某个城市对应的校验因子、增加某个校验因子对应的校验参数，或者删除某个校验因子对应的校验参数等。
本实施例通过设置各个城市校验因子对应的校验参数，设置各个校验因子的排列规则，以及根据排列规则排列后的校验参数和校验结果之间的映射关系，以实现购房者可随时随地预评估购房资格。
此外，本申请实施例还提出一种购房资格预评估系统，如图6所示，图6是本申请实施例方案涉及的硬件运行环境的设备结构示意图。
本申请实施例购房资格预评估系统可以是PC（personal computer，个人计算机），也可以是智能手机、平板电脑、电子书阅读器、MP3（Moving Picture Experts Group Audio Layer III，动态影像专家压缩标准音频层面3）播放器、MP4（Moving Picture Experts Group Audio Layer IV，动态影像专家压缩标准音频层面4）播放器、便携计算机等具有显示功能的可移动式终端设备。
如图1所示，该购房资格预评估系统可以包括：处理器1001，例如CPU，网络接口1004，用户接口1003，存储器1005，通信总线1002。其中，通信总线1002用于实现这些组件之间的连接通信。用户接口1003可以包括显示屏（Display）、输入单元比如键盘（Keyboard），可选用户接口1003还可以包括标准的有线接口、无线接口。存储器1005可以是高速RAM存储器，也可以是稳定的存储器（non-volatile memory），例如磁盘存储器。存储器1005可选的还可以是独立于前述处理器1001的存储装置。
可选地，购房资格预评估系统还可以包括摄像头、RF（Radio Frequency，射频）电路，传感器、音频电路、WiFi模块等等。
本领域技术人员可以理解，图1中示出的购房资格预评估系统结构并不构成对终端的限定，可以包括比图示更多或更少的部件，或者组合某些部件，或者不同的部件布置。
如图1所示，作为一种计算机存储介质的存储器1005中可以包括操作系统以及购房资格预评估程序。其中，操作系统是管理和控制购房资格预评估系统硬件和软件资源的程序，支持购房资格预评估程序以及其它软件和/或程序的运行。
在图1所示的购房资格预评估系统中，用户接口1003主要用于侦测选择指令、修改指令等。而处理器1001可以用于调用存储器1005中存储的购房资格预评估程序，并执行购房资格预评估方法的步骤。
本申请购房资格预评估系统具体实施方式与上述购房资格预评估方法各实施例基本相同，在此不再赘述。
此外，本申请实施例还提出一种计算机可读存储介质，所述计算机可读存储介质上存储有购房资格预评估程序，所述购房资格预评估程序被处理器执行时实现购房资格预评估方法的步骤。
本申请计算机可读存储介质具体实施方式与上述购房资格预评估方法各实施例基本相同，在此不再赘述。
需要说明的是，在本文中，术语“包括”、“包含”或者其任何其他变体意在涵盖非排他性的包含，从而使得包括一系列要素的过程、方法、物品或者装置不仅包括那些要素，而且还包括没有明确列出的其他要素，或者是还包括为这种过程、方法、物品或者装置所固有的要素。在没有更多限制的情况下，由语句“包括一个……”限定的要素，并不排除在包括该要素的过程、方法、物品或者装置中还存在另外的相同要素。
上述本申请实施例序号仅仅为了描述，不代表实施例的优劣。
通过以上的实施方式的描述，本领域的技术人员可以清楚地了解到上述实施例方法可借助软件加必需的通用硬件平台的方式来实现，当然也可以通过硬件，但很多情况下前者是更佳的实施方式。基于这样的理解，本申请的技术方案本质上或者说对现有技术做出贡献的部分可以以软件产品的形式体现出来，该计算机软件产品存储在一个存储介质（如ROM/RAM、磁碟、光盘）中，包括若干指令用以使得一台终端设备（可以是手机，计算机，服务器，空调器，或者网络设备等）执行本申请各个实施例所述的方法。
以上仅为本申请的优选实施例，并非因此限制本申请的专利范围，凡是利用本申请说明书及附图内容所作的等效结构或等效流程变换，或直接或间接运用在其他相关的技术领域，均同理包括在本申请的专利保护范围内。

Claims (20)

  1. 一种购房资格预评估方法，其特征在于，所述购房资格预评估方法包括以下步骤：
    当侦测到用户选择校验参数的选择指令时，根据所述选择指令选择所述校验参数；
    按照预设排列规则排列所述校验参数，得到排列后的所述校验参数；
    基于预设的映射关系，根据排列后的所述校验参数确定所述用户对应的购房资格预评估结果。
  2. 如权利要求1所述的购房资格预评估方法，其特征在于，所述基于预设的映射关系，根据排列后的所述校验参数确定所述用户对应的购房资格预评估结果的步骤包括：
    基于预设的映射关系，根据排列后的所述校验参数确定校验结果；
    若根据所述校验结果未评估出对应的购房套数，则确定所述用户没有资格在所述校验因子对应的城市购房；
    若根据所述校验结果评估出对应的购房套数，则确定所述用户有资格在所述校验因子对应的城市购房，并确定所述用户对应的购房套数。
  3. 如权利要求1所述的购房资格预评估方法，其特征在于，所述当侦测到用户选择校验参数的选择指令时，根据所述选择指令选择所述校验参数的步骤之前，还包括：
    获取各城市的购房校验因子，设置所述校验因子对应的校验参数；
    存储所述校验参数和校验因子，并设置所述校验因子的排列规则；
    根据所述排列规则排列所述校验因子对应的校验参数，并设置排列后的所述校验参数和校验结果之间的映射关系。
  4. 如权利要求3所述的购房资格预评估方法，其特征在于，所述购房资格预评估方法还包括：
    当侦测到修改所述校验因子和/或校验参数的修改指令时，根据所述修改指令对应修改所述校验因子和/或校验参数。
  5. 如权利要求3所述的购房资格预评估方法，其特征在于，所述校验因子至少包括户籍、婚姻状况、已有住房数量、购房类别、缴纳社保年限、购房区域和购房面积中的一种。
  6. 如权利要求2所述的购房资格预评估方法，其特征在于，所述当侦测到用户选择校验参数的选择指令时，根据所述选择指令选择所述校验参数的步骤之前，还包括：
    获取各城市的购房校验因子，设置所述校验因子对应的校验参数；
    存储所述校验参数和校验因子，并设置所述校验因子的排列规则；
    根据所述排列规则排列所述校验因子对应的校验参数，并设置排列后的所述校验参数和校验结果之间的映射关系。
  7. 如权利要求6所述的购房资格预评估方法，其特征在于，所述购房资格预评估方法还包括：
    当侦测到修改所述校验因子和/或校验参数的修改指令时，根据所述修改指令对应修改所述校验因子和/或校验参数。
  8. 如权利要求6所述的购房资格预评估方法，其特征在于，所述校验因子至少包括户籍、婚姻状况、已有住房数量、购房类别、缴纳社保年限、购房区域和购房面积中的一种。
  9. 一种购房资格预评估装置，其特征在于，所述购房资格预评估装置包括：
    选择模块，用于当侦测到用户选择校验参数的选择指令时，根据所述选择指令选择所述校验参数；
    排列模块，用于按照预设排列规则排列所述校验参数，得到排列后的所述校验参数；
    确定模块，用于基于预设的映射关系，根据排列后的所述校验参数确定所述用户对应的购房资格预评估结果。
  10. 如权利要求9所述的购房资格预评估装置，其特征在于，所述确定模块还用于基于预设的映射关系，根据排列后的所述校验参数确定校验结果；若根据所述校验结果未评估出对应的购房套数，则确定所述用户没有资格在所述校验因子对应的城市购房；若根据所述校验结果评估出对应的购房套数，则确定所述用户有资格在所述校验因子对应的城市购房，并确定所述用户对应的购房套数。
  11. 如权利要求9所述的购房资格预评估装置，其特征在于，所述购房资格预评估装置还包括：
    获取模块，用于获取各城市的购房校验因子；
    设置模块，用于设置所述校验因子对应的校验参数；
    存储模块，用于存储所述校验参数和校验因子；
    所述设置模块还用于设置所述校验因子的排列规则；
    所述排列模块还用于根据所述排列规则排列所述校验因子对应的校验参数；
    所述设置模块还用于设置排列后的所述校验参数和校验结果之间的映射关系。
  12. 如权利要求11所述的购房资格预评估装置，其特征在于，所述购房资格预评估装置还包括：
    修改模块，用于当侦测到修改所述校验因子和/或校验参数的修改指令时，根据所述修改指令对应修改所述校验因子和/或校验参数。
  13. 如权利要求11所述的购房资格预评估装置，其特征在于，所述校验因子至少包括户籍、婚姻状况、已有住房数量、购房类别、缴纳社保年限、购房区域和购房面积中的一种。
  14. 如权利要求10所述的购房资格预评估装置，其特征在于，所述购房资格预评估装置还包括：
    获取模块，用于获取各城市的购房校验因子；
    设置模块，用于设置所述校验因子对应的校验参数；
    存储模块，用于存储所述校验参数和校验因子；
    所述设置模块还用于设置所述校验因子的排列规则；
    所述排列模块还用于根据所述排列规则排列所述校验因子对应的校验参数；
    所述设置模块还用于设置排列后的所述校验参数和校验结果之间的映射关系。
  15. 如权利要求14所述的购房资格预评估装置，其特征在于，所述购房资格预评估装置还包括：
    修改模块，用于当侦测到修改所述校验因子和/或校验参数的修改指令时，根据所述修改指令对应修改所述校验因子和/或校验参数。
  16. 如权利要求14所述的购房资格预评估装置，其特征在于，所述校验因子至少包括户籍、婚姻状况、已有住房数量、购房类别、缴纳社保年限、购房区域和购房面积中的一种。
  17. 一种购房资格预评估系统，其特征在于，所述购房资格预评估系统包括存储器、处理器和存储在所述存储器上并可在所述处理器上运行的购房资格预评估程序，所述购房资格预评估程序被所述处理器执行时实现如下步骤：
    当侦测到用户选择校验参数的选择指令时，根据所述选择指令选择所述校验参数；
    按照预设排列规则排列所述校验参数，得到排列后的所述校验参数；
    基于预设的映射关系，根据排列后的所述校验参数确定所述用户对应的购房资格预评估结果。
  18. 如权利要求17所述的购房资格预评估系统，其特征在于，所述基于预设的映射关系，根据排列后的所述校验参数确定所述用户对应的购房资格预评估结果的步骤包括：
    基于预设的映射关系，根据排列后的所述校验参数确定校验结果；
    若根据所述校验结果未评估出对应的购房套数，则确定所述用户没有资格在所述校验因子对应的城市购房；
    若根据所述校验结果评估出对应的购房套数，则确定所述用户有资格在所述校验因子对应的城市购房，并确定所述用户对应的购房套数。
  19. 一种计算机可读存储介质，其特征在于，所述计算机可读存储介质上存储有购房资格预评估程序，所述购房资格预评估程序被处理器执行时实现如下步骤：
    当侦测到用户选择校验参数的选择指令时，根据所述选择指令选择所述校验参数；
    按照预设排列规则排列所述校验参数，得到排列后的所述校验参数；
    基于预设的映射关系，根据排列后的所述校验参数确定所述用户对应的购房资格预评估结果。
  20. 如权利要求19所述的计算机可读存储介质，其特征在于，所述基于预设的映射关系，根据排列后的所述校验参数确定所述用户对应的购房资格预评估结果的步骤包括：
    基于预设的映射关系，根据排列后的所述校验参数确定校验结果；
    若根据所述校验结果未评估出对应的购房套数，则确定所述用户没有资格在所述校验因子对应的城市购房；
    若根据所述校验结果评估出对应的购房套数，则确定所述用户有资格在所述校验因子对应的城市购房，并确定所述用户对应的购房套数。
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