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
CN101458807AInactive Publication Date: 2009-06-17SHACOM COM
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Patent Information

Authority / Receiving Office
CN · China
Patent Type
Applications(China)
Current Assignee / Owner
SHACOM COM
Publication Date
2009-06-17
Estimated Expiration
Not applicable · inactive patent

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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.
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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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