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House loan method and platform

A house and platform technology, applied in the direction of instruments, finance, data processing applications, etc., can solve the problems of no savings function, no direct problem, etc., and achieve the effect of increasing loyalty and interacting with banking business

Inactive Publication Date: 2009-06-17
SHACOM COM
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

In addition, this invention does not have the savings function provided to potential house buyers by the one-price-to-the-end mortgage platform of the present invention
[0004] Many of the above-mentioned solutions do not directly address the core of the problem. At best, they only improve the problem. The essence of the problem of "supporting the long with the short" still exists

Method used

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  • House loan method and platform
  • House loan method and platform
  • House loan method and platform

Examples

Experimental program
Comparison scheme
Effect test

Embodiment 1

[0070] A is an office worker who has worked for many years and has a family. He bought a house many years ago and took a bank housing loan with a bank A with a current loan balance of 6 million yuan and a repayment period of 15 years. In view of future interest rate rises and interest rate fluctuations, in order to reduce the interest burden and avoid the risk of housing loan interest rate hikes, decided to join the "one-price housing loan platform" of the present invention. First, A joins the platform through the membership online application process. After the platform reviews and approves his application materials, A can handle the preliminary operations such as house appraisal, mortgage, determination of bidding conditions, and loan approval required for housing mortgage loans. After the house appraisal results, the house currently held by A is worth 6.75 million yuan. According to the credit specification of the financial institution responsible for the operation of the pl...

Embodiment 2

[0090] B is a newcomer in the society, and he joins a new company to work after graduating from school. In order to avoid excessive consumption and think about future life planning, B decides to use forced savings to accumulate "marrying" funds for himself, which will be used for future house purchases. Since B has just entered the society, his own savings are not enough to pay for the self-prepared funds for buying a house, and he has no urgency to buy a house in the short term. In addition, the deposit interest rates offered by general banks are relatively low, which cannot meet their own needs for forced savings to complete future house purchase plans. After learning about the "one-price housing loan platform" of the present invention, knowing that it can help him complete the house purchase plan, he applied to the financial institution in charge of operating the platform to join the platform.

[0091] B applies to join the "One-Price Housing Loan Platform", and formally b...

Embodiment 3

[0097]C is a middle-level executive of a company, and he already owns a self-owned house with a loan that has been paid off. Since the existing house is gradually unable to meet the needs of the family, I joined this platform to accumulate funds for house replacement. After evaluation, the market price of C's own house is about 6 million yuan. Adding his own deposit of 2 million yuan, he still needs 7 million yuan to achieve the purpose of exchanging for a house with a market value of 15 million yuan. After self-analysis, I decided to negotiate with the platform for a housing loan portfolio with a period of 240 periods and a bidding limit of 30,000 yuan. After participating in the 33rd period, C's actual deposited funds have reached 850,000 yuan. But at this time, C was temporarily notified by the company that he had to be sent abroad, so he had to abandon the original plan to change houses. Since the platform will issue bidding warrants (which can be in physical or non-phys...

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Abstract

The invention relates to a method for constant price building loan and a platform thereof, for using network trade method to provide a building loan of autonomy interest and constant price from a constant price building loan platform to building buyer, therefore, clients can successfully access into the platform to do price bidding, and the financial mechanism charging the platform can provide building mortgage loan having transition property at building buying requirement member item, to be used for buying building or repaying former mortgage loan. Member pledges building to obtain loan and access into the building loan platform to do price bidding, thereby using platform negotiated price process to obtain the loan of better loan conditions to repay the early mortgage loan, and using platform operation mechanism to create a constant price repayment condition. Building loan clients can reduce interest rate fluctuation risk in traditional building loan, and financial mechanism can resolve the problem that uses short loan to pay long loan.

Description

technical field [0001] The invention relates to a method and platform for one-price housing loan, which belongs to the category of financial e-commerce. Its purpose is to adapt to the deposit and loan mechanism of direct finance in the era of Internet technology, and create opportunities for mortgage customers and savers to meet with zero distance and friction. Funds for housing loans can be directly provided by house buyers under the action of the deposit-loan integration mechanism, and are allocated through bidding to reflect the intensity of individual needs. Background technique [0002] Housing loans have long been the main business of the banking industry. In Taiwan, China, there is a business scale of 4.5 trillion. Faced with such a huge demand for funds, the banking industry is taking demand deposits from unspecified people and time deposits of less than three years to meet the funding needs of long-term housing loans. This kind of funding supply and demand of the b...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q40/00G06Q40/02
Inventor 简永松
Owner SHACOM COM
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