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Real estate transaction anti-risk financing method and corresponding network system

A network system and real estate technology, applied in finance, data processing applications, commerce, etc., can solve problems such as non-performing financing risks, insufficient down payment, and non-performing financing

Inactive Publication Date: 2015-03-25
王升
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  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0002] At present, housing prices are too high, and many people face insufficient down payment. If all house payments are paid in the form of financing, there will be a risk of home buyers defaulting on the contract, resulting in non-performing financing
On the other hand, when real estate is in a downward period, housing prices fall, or even the price reduction exceeds the amount of the down payment, it will also cause some home buyers to default, forming a risk of non-performing financing
Especially in the first-hand real estate transaction market, housing prices are determined by developers alone, leading to increased potential risks

Method used

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  • Real estate transaction anti-risk financing method and corresponding network system
  • Real estate transaction anti-risk financing method and corresponding network system

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Embodiment approach 1

[0037] Such as figure 1 As shown, the present invention provides a real estate transaction risk prevention financing method, the method, including the following steps:

[0038] 101-The parties to the real estate transaction have reached a deal;

[0039] 201-The home buyer submits a full / or partial home purchase financing application to the online financing platform through offline or online methods;

[0040] 301-Online financing platforms (or other third parties) review and record the relevant information of home buyers, and collect and supervise a certain amount of interest corresponding to the future financing amount on behalf of investors in advance;

[0041] 401-Publish financing information on the Internet financing platform;

[0042] 501-The funds raised are supervised by Fangdai (or other third parties) of the online financing platform;

[0043] 601-The house buyer, house seller and fund supervisor (online financing platform or other third party) sign a house payment...

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PUM

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Abstract

The invention relates to a real estate transaction anti-risk financing method and a corresponding network system. According to the technical scheme, due to the function that house-purchase funds are conditionally appreciated step by step and the monitoring and management function, two risks in real estate transaction particularly for firsthand developed premises are avoided; on one hand, house price is too high, many persons face the problem that down payment is not sufficient, and if all house funds are paid in a financing mode, house purchasers violate a treaty and the bad financing risk forms; on the other hand, when real estate is in a downward period, the house price is lowered and even the amount of lowered price is larger than the amount of down payment money, consequently, part of house purchasers violate a treaty and the bad financing risk forms.

Description

technical field [0001] The invention relates to the Internet field, in particular to a risk-preventing financing method for real estate transactions and a corresponding network system. Background technique [0002] At present, housing prices are too high, and many people face insufficient down payment. If all house payments are paid in the form of financing, there will be a risk of home buyers defaulting on the contract and forming non-performing financing. On the other hand, when real estate is in a downward period, housing prices fall, or even the price reduction exceeds the amount of down payment, which will cause some home buyers to default and form a risk of non-performing financing. Especially in the first-hand real estate transaction market, housing prices are determined by developers alone, leading to increased potential risks. Contents of the invention [0003] In order to overcome the defects in the prior art, the object of the present invention is to provide a ...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q30/00G06Q40/00G06Q50/16
Inventor 王升
Owner 王升
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