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Real estate 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 lack of financing channels, long mortgage terms, and investor funds withdrawing from financing funds midway, so as to ensure the safety of funds and ensure the safety of funds Effect

Inactive Publication Date: 2015-02-04
王升
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0002] At present, in the process of real estate transactions, if the buyer has insufficient funds, he can only purchase through bank loans and lacks financing channels. Interest payment guarantee issues during the period in place, as well as the long term of general housing loans, the withdrawal of investors' funds midway, and the continuation of financing funds
On the other hand, in the process of real estate transactions, due to the consideration of capital security, the transaction funds need to be supervised by a third party for a period of time. During the capital supervision stage, how to use the funds; The problem of how the seller uses the house funds during the period when the bank has not released the loan cannot be solved in the existing technology

Method used

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  • Real estate financing method and corresponding network system
  • Real estate financing method and corresponding network system

Examples

Experimental program
Comparison scheme
Effect test

Embodiment approach 1

[0053] Such as figure 1 As shown, one of the cases of a network marketing method provided by the present invention, the method includes the following steps:

[0054] 101-Consumer house buyers submit an application for house purchase financing to the online financing platform through offline or online means;

[0055] 201-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;

[0056] 301-Publish financing information on the Internet financing platform;

[0057]401-The funds raised are supervised by the online financing platform Fangdai (or other third parties);

[0058] 501- After the house buyer and the house seller have concluded a transaction, the house buyer, house seller and fund supervisor (online financing platform or other third party) sign a house payment agreement, and go throug...

other Embodiment approach

[0061] Other implementation methods (not marked in the figure)

[0062] Case 1:

[0063] Both parties to the real estate transaction complete the transaction;

[0064] In order to ensure the safety of transaction funds, both parties to the transaction hand over the down payment or / and transaction funds to a third-party supervisor for fund supervision;

[0065] During the period when the funds are under supervision, the seller uses the supervision funds as collateral or guarantee, and submits a financing application to the online financing platform through offline or online methods;

[0066] The online financing platform (or other third parties) conducts application review and necessary administrative filing and registration;

[0067] The online financing platform discloses financing information and discloses financing on the online financing platform;

[0068] Case three:

[0069] Homebuyers who have purchased a house and applied for a bank mortgage can submit an applicati...

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Abstract

The invention relates to a real estate financing method and a corresponding network system. By applying the technology of the invention, a new financing channel is opened up for home buyers, and fund security of investors is ensured by virtue of guarantee and pledge such as housing guarantee mortgage, funds not lent by banks and third-party supervision for funds, and ways such as pledging a part of interest in advance by financiers. Furthermore, an investment share transfer mode is set to provide a reasonable withdrawal mechanism for the investors. As the trend of the fund flow process is supervised by the third-party, the fund security is ensured.

Description

technical field [0001] The invention relates to the Internet field, in particular to a real estate financing method and a corresponding network system. Background technique [0002] At present, in the process of real estate transactions, if the buyer has insufficient funds, he can only purchase through bank loans and lacks financing channels. The issue of interest payment guarantee during the period in place, as well as the long term of general housing loans, the withdrawal of investors' funds midway, and the continuation of financing funds. On the other hand, in the process of real estate transactions, due to the consideration of capital security, the transaction funds need to be supervised by a third party for a period of time. During the capital supervision stage, how to use the funds; During the period when the bank has not released the loan, the problem of how the seller uses the house money funds cannot be solved in the prior art. Contents of the invention [0003]...

Claims

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Application Information

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IPC IPC(8): G06Q30/00G06Q40/00G06Q50/16
Inventor 王升
Owner 王升
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