Online real estate mortgage loan system based on government affair big data

Abstract

The invention discloses an online real estate mortgage loan system based on government affair big data, and particularly relates to the technical field of loan systems, which comprises a real-time evaluation module, a data factory module, a model calculation module, a risk management module, a credit granting application module, an online mortgage module, an online payment module and an online repayment module, wherein the data factory module is connected with the real-time evaluation module, the credit application module and the model calculation module, and the real-time evaluation module isconnected with the credit application module and the data factory module. The method is high in evaluation speed, quickly and accurately evaluates the house price, matches the loan limit, improves the conversion rate of customers, can break through a real estate center system, achieves the online and automatic operation of house counteraction and logout, excavates the potential risks, forms an efficient early warning mechanism, and achieves the scientific and long-acting management of detained goods.

Description

technical field [0001] The invention relates to the technical field of loan systems, and more specifically, the invention relates to an online real estate mortgage loan system based on government affairs big data. Background technique [0002] Real estate mortgage loan refers to the loan issued by the bank with the real estate owned by the borrower or a third party as collateral. The scope of collateral guarantee includes the principal and interest of the bank's real estate mortgage loan, the cost of realizing the mortgage right of the mortgage, and other contents stipulated in the mortgage contract. The real estate mortgagor shall not arbitrarily dispose of the mortgaged real estate during the mortgage period, and the loan bank of the mortgaged real estate, as the mortgagee, has the right to conduct necessary supervision and inspection of the mortgaged property during the mortgage period. At the expiration of the loan debt performance period, if the lender has not paid off...

AI Technical Summary

Problems solved by technology

This has led to the following problems in the actual loan processing: 1. The process is complicated: customers need to go back and forth between evaluation agencies, banks and real estate centers to handle various matters; 2. High cost: common housing mortgage loans, housing Evaluation needs to pay certain fees, such as evaluation fees, notarization fees, mortgage registration fees or insurance fees, etc.; 3. Long processing cycle: Compared with unsecured loans, since real estate mortgage loans need to go through mortgage registration procedures, the bank lending speed is slower

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