Immovable property transaction management system and method

Abstract

An immovable property transaction management system and method, which enable a management party to match and manage, by means of the Internet, an immovable property transaction, comprising steps of establishing transaction target information, establishing seller information, conducting credit extension evaluation, establishing buyer information, establishing immovable property demand information, matching, transmitting a message, determining purchase intention, and signing a contract. The step of matching is carried out on the condition that a buyer has obtained a credit extension evaluation, so as to avoid the problem that after a contract has been signed by a buyer and a seller, the buyer cannot fulfill the contract due to financial constraints, improving the efficiency of immovable property transaction. In addition, the buyer and the seller do not need to bargain with one another, thus reducing the time consumed by both parties on price negotiation.

Description

Real estate transaction management system and method Technical Field

[0001] The present invention relates to the field of real estate transaction matching; in particular, to a real estate transaction management system and method. Background Art

[0002] Real estate transactions involve complex professional knowledge and huge transaction amounts. Sellers who are interested in selling real estate will hand over relevant information about the real estate to an intermediary and entrust the intermediary to publish the real estate information and handle the sales matters. Buyers who are interested in purchasing real estate will find suitable real estate through an intermediary and entrust the intermediary to handle the purchase matters. Both buyers and sellers reduce their burden in the real estate transaction process through the intermediary's intermediary matchmaking services.

[0003] Although real estate agents can provide professional real estate valuations and query the actual transaction price of real estate objects through the real estate actual price login system, no two real estate objects are exactly the same in all aspects. Even if the same real estate object is traded at different times, the value of the real estate object may change due to factors such as economic fluctuations in the external environment at the time of the transaction, depreciation or renovation of the real estate object, etc. Therefore, the seller and buyer of the real estate transaction usually use the real estate valuation and the actual price login transaction price as a reference. The seller hopes to sell the real estate object at a higher price, and the buyer usually believes that the seller's marked selling price should be higher than the market value of the real estate object. The buyer hopes to obtain a lower transaction price through bargaining. Therefore, in the process of matching the transaction of the real estate object, when the buyer is willing to trade, the buyer and seller must reach a price consensus through bargaining. Price becomes an important factor affecting whether the transaction is completed or not, and bargaining has become an important process in matching real estate transactions.

[0004] The buyer selects the real estate they wish to purchase and pays a mediation fee to express their willingness to purchase, entering the bargaining phase. The buyer and seller make offers to each other through an intermediary, who acts as an intermediary to provide advice and negotiate prices. The bargaining process is opaque and full of uncertainty, which is a significant factor in wasting the time required for real estate matchmaking transactions. On the other hand, buyers usually expect to obtain the real estate at a price lower than the seller's stated price. If the buyer selects a real estate with a stated price higher than their financial means, and cannot obtain the expected transaction price through negotiation, the bargaining process will fail to reach a consensus, resulting in a waste of time and energy for both parties.

[0005] The matchmaking commission charged by real estate agents is calculated as a fixed percentage of the real estate transaction price. Assuming that the real estate transaction can be completed, the higher the transaction price, the higher the matchmaking commission the real estate agent receives. When the buyer and seller do not directly negotiate the price, some unscrupulous real estate agents often use various rhetoric to guide buyers to increase their bids, intending to push up the transaction price and obtain more matchmaking commissions, thereby damaging the buyer's rights and interests.

[0006] As mentioned above, the current bargaining in real estate matching transactions often becomes an important factor that prevents the efficiency and transaction rate of real estate matching transactions from being improved.

[0007] The buyer and seller reach a consensus on the transaction price through negotiation. Most buyers need a bank loan to pay the price of the real estate and complete the transfer of ownership of the real estate. However, the bank needs to assess the value of the real estate and the buyer's debt repayment ability before deciding whether to provide a loan and the loan conditions. In some real estate matchmaking transactions, after negotiation, the buyer is unable to obtain sufficient loans from the bank, resulting in the buyer being unable to pay the price of the real estate. The real estate matchmaking transaction cannot be completed, resulting in a waste of time for both the buyer and the seller. Technical issues

[0008] The main purpose of the present invention is to provide a real estate transaction management system and method. Technical Solutions

[0009] In order to achieve the above-mentioned purpose, the present invention adopts the following technical solutions:

[0010] A real estate transaction management system, which enables a management party to manage real estate transactions through Internet matchmaking, includes:

[0011] A real estate information database is composed of a rewritable memory medium and is used to record transaction target information of real estate objects to be traded, the transaction target information including the condition characteristics and selling price of the real estate objects;

[0012] A seller information database is composed of a rewritable memory medium and is used to record the seller information of the seller of the real estate object. The seller information database is connected to the real estate information database, and the seller information corresponds to the transaction target information of the bound real estate object;

[0013] A buyer demand information database is composed of a rewritable memory medium and is used to record the real estate demand information of buyers who wish to purchase real estate objects;

[0014] A buyer information database is composed of rewritable memory media and is used to record the buyer's information. The buyer information database is connected to the buyer demand information database. The buyer information corresponds to the real estate demand information. The buyer information includes the bank's loan credit limit for the buyer and its validity period.

[0015] A microprocessor is connected to the real estate information database, the buyer demand information database and the buyer information database;

[0016] A transmission module is a bidirectional electronic signal transmitter connected to the microprocessor and the Internet. The microprocessor transmits information to the seller's seller-side device, the buyer's buyer-side device, and the bank's bank-side device through the transmission module.

[0017] The microprocessor runs an application program that selectively matches transaction target information based on real estate demand information and buyer information to generate matching information. The matching information is transmitted to the buyer corresponding to the buyer information via a transmission module. The microprocessor determines whether the buyer agrees to purchase the real estate object corresponding to the matching information based on the message transmitted by the buyer-side device. The microprocessor transmits transaction messages to the buyer who agrees to purchase and the seller of the real estate object, respectively, so that the buyer and seller sign a real estate transaction contract.

[0018] A real estate transaction management method implemented using the aforementioned real estate transaction management system comprises the following steps:

[0019] Establishing transaction target information: Based on the seller's authorization, the management party surveys the real estate object that the seller wants to sell, records the conditions and characteristics of the real estate object, evaluates and sets the selling price of the real estate object, and accordingly establishes the transaction target information corresponding to the real estate object in the real estate information database;

[0020] Establishing seller information: The management party establishes seller information based on the seller's authorization, and the transaction target information is bound to the seller information of the seller of the real estate object;

[0021] Credit Assessment: The bank evaluates the buyer's financial status and debt repayment ability and prepares a credit evaluation for lending. The credit evaluation includes the bank's credit limit for the buyer and its validity period.

[0022] Establishing buyer information: Based on the buyer's authorization, the administrator obtains the bank's verification certificate for the loan credit assessment. Then, the administrator establishes buyer information for the buyer, including the loan credit limit and validity period;

[0023] Establishing real estate demand information: Based on the buyer's demand conditions for purchasing real estate objects, establish real estate demand information, and the real estate demand information is bound to the buyer's information. The real estate demand information includes demand condition characteristics;

[0024] Matching: Filtering transaction target information based on the real estate demand information bound to the buyer's information within the validity period, and generating matching information based on the screening results;

[0025] Transmitting information: Sending transaction target information and selling price to the buyer corresponding to each matching information;

[0026] Determine purchase intention: Based on the buyer's feedback, determine whether the buyer is willing to purchase the real estate object described in the transaction target information. If the buyer is willing to complete the transaction, proceed to the subsequent steps. If the buyer is not willing to complete the transaction, return to the matching step.

[0027] Contract signing: Based on the buyer's willingness to complete the transaction, the management party will send a successful matchmaking message to the seller and buyer respectively, and will sign a real estate transaction contract with the seller and buyer and establish a performance guarantee account. Beneficial effects

[0028] The main effect and advantage of the present invention is that it can carry out the matching step on the premise that the buyer obtains a loan credit evaluation, and conduct comparison and screening only under the condition that the selling price is equal to or lower than the loan credit limit, thereby avoiding the problem that the buyer is unable to perform the contract due to financial difficulties after the buyer and seller sign the contract, thereby improving the efficiency of real estate transactions, and the buyer and seller do not need to engage in bargaining that is common and necessary in previous technologies, thereby reducing the time required for both parties to spend on price negotiations. BRIEF DESCRIPTION OF THE DRAWINGS

[0029] FIG1 is a block diagram of a system architecture of a preferred embodiment of the present invention.

[0030] FIG2 is a flow chart of a method according to a preferred embodiment of the present invention. Best Mode for Carrying Out the Invention

[0031] Please refer to FIG. 1 and FIG. 2 , which are preferred embodiments of the present invention. However, these embodiments are for illustration purposes only and the patent application is not limited to these structures.

[0032] As shown in FIG1 , the real estate transaction management system provides a management party with a means of mediating and managing real estate transactions via the Internet 01. The system includes a real estate information database 10, a seller information database 20, a buyer demand information database 30, a buyer information database 40, a microprocessor 50, and a transmission module 60. The real estate information database 10, the seller information database 20, the buyer demand information database 30, and the buyer information database 40 are each composed of erasable memory media. The real estate information database 10 is used to record transaction target information of real estate objects to be traded, and the transaction target information includes the condition characteristics and selling price of the real estate objects.

[0033] The types of real estate objects include but are not limited to houses, land, pre-sale houses and foreclosed houses; the selling price is the valuation obtained by the management party and determined after the seller of the real estate object agrees. The said valuation is mainly based on the characteristics and conditions and the current condition of the real estate object, and is comprehensively evaluated with reference to the transaction prices of real estate objects with similar characteristics and conditions recorded in the actual price registration system.

[0034] Specific examples of conditional characteristics include, but are not limited to, the geographical location, area, building age, layout, transportation convenience and landscape of the real estate object. The scope of investigation of the real estate object may, as needed, select items such as the ownership status of the real estate object, whether there is a lease relationship or occupation by others, whether there is any reconstruction or illegal construction, whether the real estate object needs to be repaired and the scope of repair, and a survey of the surrounding environment and the current situation of the neighborhood.

[0035] The transaction target information may optionally include a static or dynamic image of the real estate object and an authorization code, which allows a buyer who wishes to purchase the real estate object to obtain the authorization code and view the real estate object online via the Internet or to inspect the real estate object at the location of the real estate object.

[0036] The seller information database 20 is used to record the seller information of the seller of the real estate object. The seller information database 20 is connected to the real estate information database 10. The seller information corresponds to the transaction target information of the bound real estate object. The seller can be the owner of the real estate object, or the seller can be an agent entrusted or instructed by the owner to handle the sale of the real estate object. The agent includes but is not limited to a real estate agent.

[0037] The buyer demand information database 30 is used to record the real estate demand information of the buyer who wants to purchase the real estate object. The real estate demand information is set by the management party based on the buyer's intention to purchase the real estate, and includes the conditions and characteristics that the real estate object that the buyer wants to purchase must have.

[0038] The buyer information database 40 is used to record the buyer's information. The buyer information database 40 is connected to the buyer's demand information database 30. The buyer's information corresponds to the real estate demand information. The buyer's information includes the bank's loan credit limit and validity period for the buyer.

[0039] The microprocessor 50 is connected to the real estate information database 10 , the buyer demand information database 30 and the buyer information database 40 .

[0040] The transmission module 60 is a bidirectional electronic signal transmitter. The transmission module 60 is connected to the microprocessor 50 and the Internet 01. The microprocessor 50 transmits information to the seller's seller-end device 02, the buyer's buyer-end device 03, and the bank's bank-end device 04 through the transmission module 60.

[0041] The microprocessor 50 runs an application program that selectively matches transaction target information based on real estate demand information and buyer information, thereby generating matching information. The matching information is transmitted to the buyer corresponding to the buyer information via the transmission module 60. The microprocessor 50 determines whether the buyer agrees to purchase the real estate object corresponding to the matching information based on the message transmitted by the buyer-side device 03. The microprocessor 50 transmits transaction information to the buyer who agrees to purchase and the seller of the real estate object, respectively, so that the buyer and seller sign a real estate transaction contract.

[0042] As shown in FIG2 , the real estate transaction management method implemented using the real estate transaction management system includes the following steps:

[0043] Establishing transaction target information: Based on the seller's authorization, the management party surveys the real estate object that the seller wants to sell, records the conditions and characteristics of the real estate object, evaluates and sets the selling price of the real estate object, and accordingly establishes the transaction target information corresponding to the real estate object in the real estate information database 10.

[0044] Establishing seller information: The management party establishes seller information based on the seller's authorization, and the transaction target information is bound to the seller information of the seller of the real estate object.

[0045] Credit assessment: The bank evaluates the buyer's financial status and debt repayment ability and prepares a credit evaluation for lending. The credit evaluation includes the bank's credit limit for the buyer and its validity period.

[0046] The buyer's assets and liabilities directly affect the performance of their financial status. Assets and liabilities usually increase or decrease over time. The buyer's financial status is an important factor in assessing the buyer's debt repayment ability. Therefore, the loan credit evaluation made by the bank for the buyer is time-sensitive. The validity period refers to the effective expiration date of the loan credit evaluation, and the loan credit limit represents the amount of money the bank is willing to lend to the buyer.

[0047] Establishing buyer information: Based on the buyer's authorization, the administrator obtains the bank's verification certificate for the loan credit evaluation, and then establishes buyer information for the buyer, which includes the loan credit limit and validity period.

[0048] Establishing real estate demand information: Based on the buyer's demand conditions for purchasing the real estate object, establish real estate demand information, and the real estate demand information is bound to the buyer's information. The real estate demand information includes demand condition characteristics.

[0049] Matching: The real estate demand information bound to the buyer's information within the validity period is compared and filtered against the transaction target information, and matching information is generated based on the screening results.

[0050] Specifically, the matching step is based on the selected demand condition characteristics of the real estate object expressed by the real estate demand information and the loan credit limit expressed by the buyer information as screening conditions. The real estate information library 10 compares and screens the transaction target information that meets the demand condition characteristics and the selling price is within the loan credit limit, and generates matching information based on the screening results.

[0051] Transmit information: The transaction target information and selling price are transmitted to the buyer of each matching information. An authorization code can also be issued. After the buyer verifies the authorization code, they can view the image of the real estate object corresponding to each matching information.

[0052] After receiving the matching information, the buyer can query the transaction target information of the real estate object referred to in the matching information through the real estate information database 10, and use this as a reference for the buyer to determine whether to purchase the real estate object. The microprocessor 50 limits the buyer to querying only the transaction target information referred to in the matching information, which helps the buyer focus on real estate objects that meet their needs and are priced within their affordable range, thereby improving the success rate of matching. The buyer can choose to use the authorization code to obtain verification and enter the real estate information database 10 to view the image of the real estate object online. The buyer can also choose to go to the location of the real estate object and use the authorization code to conduct an on-site inspection of the current status of the real estate object.

[0053] Determine purchase intention: Based on the buyer's feedback, determine whether the buyer is willing to purchase the real estate object described in the transaction target information. If the buyer is willing to complete the transaction, proceed to the subsequent steps. If the buyer is not willing to complete the transaction, return to the matching step.

[0054] Contract signing: Based on the buyer's willingness to complete the transaction, the management party will send a successful matchmaking message to the seller and buyer respectively, and will sign a real estate transaction contract with the seller and buyer and establish a performance guarantee account.

[0055] Before establishing buyer information, the buyer must obtain a loan credit evaluation from the bank. The matching step will only conduct comparison and screening when the selling price is equal to or lower than the loan credit limit. The real estate objects referred to in the matching information are all within the buyer's financial means. Multiple matching information provides the buyer with real estate objects that will not exceed the buyer's financial means. This avoids the problem of the buyer being unable to perform the contract due to financial reasons after the contract signing step is completed, avoids time waste for both parties, and improves the efficiency of real estate transactions.

[0056] The management party sets the selling price based on professional valuation, and the buyer selects the real estate object within the scope of the loan credit line. Matching is based on the principle of trust in the management party by the seller and the buyer. The buyer and the seller do not need to engage in bargaining that was common and necessary in previous technologies, which reduces the time spent on repeated price negotiations between the two parties, eliminates the influence of speculative expectations of the final transaction price of the real estate object by the buyer and the seller, and improves the efficiency of real estate matching. The buyer also does not need to worry about whether he will be influenced by improper rhetoric during bargaining and pay unnecessary costs.

[0057] Specifically, the buyer can choose to set up a credit deposit in the bank. The amount of the credit deposit is calculated based on an appropriate proportion of the loan credit line. In the step of establishing the buyer's information, the management party establishes the buyer's information for the buyer based on the premise that the buyer has set up a credit deposit. The credit deposit can be converted into the buyer's performance bond when executing the contract signing step. Modes for Carrying Out the Invention

[0058] The real estate transaction management method of the present invention can optionally perform a verification step before executing the matching step. The verification step is to compare whether the execution time has not exceeded the valid period and verify with the bank whether the credit deposit is still available. If the operation time has not exceeded the valid period and the credit deposit is still available, the matching step can be continued. If the operation time has exceeded the valid period or the credit deposit is not still available, the matching step will not be executed and a message will be sent to notify the buyer. Accordingly, the matching step can only be executed on the premise that the buyer's financial resources are sufficient to purchase the real estate object of the corresponding selling price and the buyer has sufficient funds to pay the performance bond in the future, thereby avoiding the subsequent impact of the buyer's financial problems on the execution of the contract signing step and the performance of the contract. Industrial Applicability

[0059] In the step of determining purchase intention, if the management party determines that the buyer has purchase intention based on the buyer's feedback information, the management party will notify the bank to restrict the transfer of the credit deposit. In the step of executing the contract signing, the credit deposit will be transferred to the performance bond account as the buyer's performance bond.

Claims

1. A real estate transaction management system, providing a management party with the ability to match and manage real estate transactions through the Internet, characterized in that include: A real estate information database is composed of a rewritable memory medium, and is used to record transaction target information of real estate objects to be traded, wherein the transaction target information includes condition characteristics and selling price of the real estate objects; A seller information database is composed of an erasable memory medium, and is used to record the seller information of the real estate object being sold. The seller information database is connected to the real estate information database, and the seller information corresponds to the transaction target information of the bound real estate object; A buyer demand information database is composed of erasable memory media and is used to record the real estate demand information of buyers who want to purchase real estate objects; A buyer information database is composed of erasable memory media, which is used to record the buyer's information. The buyer information database is connected to the buyer's demand information database. The buyer information corresponds to the real estate demand information. The buyer information includes the bank's loan credit limit for the buyer and its validity period; A microprocessor unit is connected to the real estate information database, the buyer demand information database and the buyer information database; A transmission module is a two-way electronic signal transmitter, the transmission module is connected to the microprocessor and the Internet, and the microprocessor transmits messages to the seller's seller-side device, the buyer's buyer-side device and the bank's bank-side device respectively through the transmission module; The microprocessor runs an application program, selectively matches the transaction target information according to the real estate demand information and the buyer information, generates matching information accordingly, and transmits the matching information to the buyer corresponding to the buyer information through the transmission module. The microprocessor determines whether the buyer agrees to purchase the real estate object corresponding to the matching information based on the message sent by the buyer-side device. The microprocessor transmits transaction messages to the buyer who agrees to purchase and the seller of the real estate object respectively, so that the buyer and the seller sign a real estate transaction contract.

2. The real estate transaction management system according to claim 1, characterized in that Conditional characteristics are geographical location, area, building age, layout, transportation convenience or landscape.

3. A real estate transaction management method executed using the real estate transaction management system according to claim 1, characterized in that The following steps are involved: Establishing transaction target information: Based on the seller's authorization, the management party surveys the real estate object that the seller wants to sell, records the condition characteristics of the real estate object, evaluates and sets the selling price of the real estate object, and accordingly establishes the transaction target information corresponding to the real estate object in the real estate information database; Establishing seller information: The management party establishes seller information based on the seller's authorization, and the transaction target information is bound to the seller information of the real estate being sold; Credit evaluation: The bank evaluates the buyer's financial status and debt repayment ability and makes a loan credit evaluation, which includes the bank's loan credit limit and validity period for the buyer; Establishing buyer information: Based on the buyer's authorization, the management party obtains the bank's verification certificate for the loan credit evaluation, and then establishes the buyer's information for the buyer, which includes the loan credit limit and validity period; Establishing real estate demand information: establishing real estate demand information based on the buyer's demand conditions for purchasing the real estate object, and the real estate demand information is bound to the buyer's information, and the real estate demand information includes demand condition characteristics; Matching: Compare and filter the transaction target information based on the real estate demand information bound to the buyer information within the effective period, and generate matching information based on the screening results; Transmit information: Send transaction target information and selling price to the buyer corresponding to each matching information; Determine the willingness to purchase: Based on the buyer's feedback, determine whether the buyer has the intention to purchase the real estate object expressed in the transaction target information. If the buyer has the intention to complete the transaction, proceed to the subsequent steps. If the buyer does not have the intention to complete the transaction, return to the matching step; Signing the contract: Based on the buyer's willingness to complete the transaction, the management party will send a successful matching message to the seller and the buyer respectively, and sign a real estate transaction contract with the seller and the buyer and establish a performance guarantee account.

4. The real estate transaction management method according to claim 3, characterized in that The matching step is to use the selected demand condition characteristics of the real estate object expressed by the real estate demand information and the loan credit limit expressed by the buyer information as screening conditions, and the real estate information database compares and screens the transaction target information that meets the demand condition characteristics and the selling price is within the loan credit limit, and generates matching information based on the screening results.

5. The real estate transaction management method according to claim 3, characterized in that In the step of establishing buyer information, the management party establishes buyer information for the buyer based on the premise that the buyer has established a credit deposit in the bank.

6. The real estate transaction management method according to claim 5, characterized in that Before executing the matching step, a verification step is first executed. The verification step is to compare whether the operating time has not exceeded the valid period and verify whether the credit deposit is still in existence. If the operating time has not exceeded the valid period and the credit deposit is still in existence, the matching step can be continued. If the operating time has exceeded the valid period or the credit deposit is not in existence, the matching step will not be executed and a message will be sent to notify the buyer.

7. The real estate transaction management method according to claim 5, characterized in that In the step of establishing buyer information, the management party establishes buyer information for the buyer based on the premise that the buyer has established a credit deposit in the bank. The verification step includes verifying whether the credit deposit is in existence. If the credit deposit is in existence, the matching step can be continued. If the credit deposit is not in existence, the matching step will not be executed, and a message will be sent to notify the buyer.

8. The real estate transfer management method according to claim 5, characterized in that In the step of determining the purchase intention, when it is determined that the buyer has the purchase intention based on the buyer's feedback information, the management party notifies the bank to restrict the transfer of the credit deposit. In the step of executing the contract signing, the credit deposit is transferred to the performance guarantee account as the buyer's performance guarantee.

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