Loan fund supervision and mortgage transfer fund supervision method and system

Abstract

The invention discloses a loan fund supervision method and system and a fund supervision method and system with mortgage and account transfer. The method comprises the following steps: a buyer and a seller sign a stock house buying and selling contract through an online signing module, select a loan mode of the buyer and the seller, perform loan approval, send loan condition data to a government affair management module, determine an own fund supervision amount and a loan fund supervision amount, establish a fund supervision account through a bank supervision module, and carry out the management of the buyer and the seller. Related registration of the house is handled, a fund transfer instruction is created according to received related information, and the bank supervision module is informed; and the bank monitoring module receives the instruction, allocates funds to the seller, and sends a fund allocation flow to the government affair management module. The system can flexibly support mortgage transfer business handling that both the buyer and the seller have loans or only one of the buyer and the seller has loans, support business handling of commercial bank loans, public accumulation fund loans and combined loans, and also support inter-bank fund settlement between the seller loan bank and the buyer loan bank.

Description

Technical Field

[0001] The present invention relates to the technical field of e-commerce, and in particular to a method and system for supervising loan funds and funds with mortgage transfer. Background Art

[0002] As the real estate market enters the era of stock housing transactions, the capital security, transaction costs, and transaction efficiency of real estate transactions have become the focus of attention. Currently, when the seller's house mortgage has not been released, it is necessary to find a lending institution or guarantee company in advance to obtain funds and release the mortgage before subsequent transactions can be carried out, resulting in a long transaction process and high transaction capital costs. In addition, the buyer's loan funds are not included in the supervision, resulting in the frequent problem that the seller cannot collect the purchase price in time after the house transaction is completed, and the security of the transaction funds cannot be guaranteed. Summary of the invention

[0003] In order to solve the above problems, the present invention provides a loan fund supervision and mortgage transfer fund supervision system, including an online signing module, a loan module, a government affairs management module, a fund supervision module, a real estate registration module, and a bank supervision module; the online signing module is used to provide buyers and sellers with a way to sign a house purchase and sale contract, specifically including a buyer's online signing sub-module and a seller's online signing sub-module; the loan module is used to provide buyers and sellers with loan methods and send the loan situation to the government affairs management module, specifically including: a buyer's loan sub-module and a seller's loan sub-module; the government affairs management module is used to manage the online signing situation, the loan situation and the review of related data; the fund supervision module is used to determine the amount of own fund supervision and the amount of loan fund supervision; the real estate registration module is used to handle house-related registrations and upload the registration data to the government affairs management module; the bank supervision module is used to divide the loan funds and send the fund division situation to the government affairs management module.

[0004] Furthermore, the loan methods provided in the loan module specifically include: commercial bank loans, provident fund loans, and combined loans.

[0005] Furthermore, the loan information sent by the buyer's loan submodule in the loan module specifically includes: loan approval amount; the loan information sent by the seller's loan submodule specifically includes: estimated payment amount and seller's mortgage business document number.

[0006] Furthermore, the house-related registration in the real estate registration module specifically includes: house transfer registration and buyer's mortgage registration.

[0007] A method for supervising loan funds and funds with mortgage transfer, comprising the following steps: S1. A buyer and a seller sign a stock housing sales contract through an online signing module and select the loan methods of the buyer and the seller; S2. The loan module performs loan approval and sends loan status data to a government affairs management module; S3. The own fund supervision amount and the loan fund supervision amount are determined through the fund supervision module, and a fund supervision account is established through a bank supervision module; S4. House-related registration is handled through a real estate registration module; S5. The government affairs management module creates a fund transfer instruction based on the relevant information received and informs the bank supervision module; S6. The bank monitoring module receives the instruction and transfers the funds to the seller, and sends the fund transfer flow to the government affairs management module.

[0008] Furthermore, the relevant information received in the step S5 specifically includes: the seller's remaining amount, payment request time, payment account, payment request business document number, and online signing contract number.

[0009] The present invention provides a loan fund supervision and a fund supervision method and system with mortgage transfer, which has the following beneficial effects: The purpose of the present invention is to provide a method and system for supervising loan funds and funds for transfer with mortgage. By constructing a platform, the Ministry of Housing and Urban-Rural Development, loan banks, provident funds, supervisory banks, and regulatory bureaus are connected at the data level. At the business level, the online contract signing of the Ministry of Housing and Urban-Rural Development, the approval of transfer with mortgage and loan approval by loan banks and provident funds, the fund supervision of supervisory banks, and the "two-in-one" registration and release of mortgage of real estate are integrated. By using the buyer's loan funds or own funds to repay the seller's remaining loan, the problem that the seller needs to repay the loan in advance and release the mortgage before the transaction can be carried out is solved, and at the same time, the problem of fund security caused by the inability to supervise loan funds is solved. BRIEF DESCRIPTION OF THE DRAWINGS

[0010] In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings required for use in the embodiments or the description of the prior art will be briefly introduced below. Obviously, the drawings described below are only some embodiments of the present invention. For ordinary technicians in this field, other drawings can be obtained based on the structures shown in these drawings without paying creative work.

[0011] Figure 1 The present invention provides a flow chart of the method. DETAILED DESCRIPTION

[0012] It should be understood that the specific embodiments described herein are only used to explain the present invention, and are not used to limit the present invention.

[0013] The following is a detailed description of the implementation method of the present invention in conjunction with the accompanying drawings. Only some embodiments are described, not all embodiments. For the purpose of clarity, representations and descriptions that are not related to the present invention are omitted in the drawings and descriptions.

[0014] In order to have a clearer understanding of the technical features, purposes and beneficial effects of the present invention, the technical solution of the present invention is now described in detail below. Obviously, the implementation cases described are part of the embodiments of the present invention, not all of the embodiments, and cannot be understood as limiting the scope of the implementation of the present invention. Based on the embodiments of the present invention, all other embodiments obtained by ordinary technicians in this field without creative work belong to the protection scope of the present invention.

[0015] The present invention provides a loan fund supervision and fund supervision system with mortgage transfer, comprising an online signing module, a loan module, a government affairs management module, a fund supervision module, a real estate registration module, and a bank supervision module; the online signing module is used to provide buyers and sellers with a way to sign a house sales contract, and specifically comprises a buyer's online signing submodule and a seller's online signing submodule; the loan module is used to provide buyers and sellers with loan methods and send the loan information to the government affairs management module, and specifically comprises: a buyer's loan submodule and a seller's loan submodule; the government affairs management module is used to manage the online signing situation, the loan situation and the review of related data; the fund supervision module is used to determine the supervision amount of own funds and the supervision amount of loan funds; the real estate registration module is used to handle house-related registration and upload the registration data to the government affairs management module; the bank supervision module is used to divide the loan funds and send the fund division situation to the government affairs management module.

[0016] The loan methods provided in the loan module specifically include: commercial bank loans, provident fund loans, and combined loans.

[0017] The loan status sent by the buyer's loan submodule in the loan module specifically includes: loan approval amount; the loan status sent by the seller's loan submodule specifically includes: estimated request amount and seller's mortgage business document number.

[0018] The house-related registrations handled in the real estate registration module specifically include: house transfer registration and buyer's mortgage registration.

[0019] A method for supervising loan funds and funds with mortgage transfer, such as Figure 1As shown, the following steps are included: S1. The buyer and seller sign the existing housing sales contract through the online signing module and select the loan methods of the buyer and seller; S2. The loan module approves the loan and sends the loan status data to the government management module; S3. The own fund supervision amount and the loan fund supervision amount are determined through the fund supervision module, and a fund supervision account is established through the bank supervision module; S4. The house-related registration is handled through the real estate registration module; S5. The government management module creates a fund transfer instruction based on the relevant information received and informs the bank supervision module; S6. The bank monitoring module receives the instruction and transfers the funds to the seller, and sends the fund transfer flow to the government management module.

[0020] The relevant information received in step S5 specifically includes: the seller's remaining amount, payment request time, payment account, payment request business document number, and online signing contract number.

[0021] Implementation example: P1: The buyer and seller sign the existing housing sales contract through the online signing module (generating an online signing contract number), and agree on the amount of self-owned funds supervision, the loan funds supervision and mortgage transfer business required, and select the seller's loan method (commercial bank loan, provident fund loan, combined loan) and the seller's loan method (commercial bank loan, provident fund loan, combined loan).

[0022] P2: The buyer and seller go to the seller's loan submodule (provident fund) and apply for approval of the transfer with mortgage in the seller's loan submodule (provident fund internal system) through the online contract number (if it is a combined loan, the consent and review of the commercial bank and provident fund are required), and inform the government affairs management module of the estimated payment amount, seller's mortgage business document number and other information.

[0023] P3: The buyer and seller go to the buyer's loan submodule (provident fund) and apply for buyer's loan approval in the buyer's loan submodule (provident fund internal system) through the online contract number (if it is a combined loan, the consent and review of the commercial bank and provident fund are required), and inform the government affairs management module of the loan approval amount.

[0024] P4: The buyer and seller go to the funds supervision module, sign the existing housing transaction funds supervision agreement in the bank supervision module through the online contract number, determine the supervision amount of own funds, and determine the loan funds supervision amount based on the loan approval amount of the buyer's loan sub-module, and then inform the internal system of the supervision bank to open a funds supervision account. The bank supervision module will inform the government management module of the supervision account.

[0025] P5: The buyer and seller go to the real estate registration module to handle the house transfer registration and buyer's mortgage registration.

[0026] P6: The government administration module then creates a buyer's loan fund deposit notice based on the real estate registration data (house transfer registration and buyer's mortgage registration completed).

[0027] P7: The buyer's loan submodule obtains the notification in real time and deposits the loan funds into the supervision account. The buyer's loan submodule also sends the online signing contract number in the remarks of the fund transfer to the supervision bank.

[0028] P8: The internal system of the supervisory bank will link the loan funds to the corresponding existing housing transaction funds supervision agreement according to the online contract number in the supplementary remarks (to achieve accurate inter-bank transfers between public and private banks), and inform the bank supervision module of the loan funds entry flow, which will then inform the government affairs management module.

[0029] P9: The government affairs management module will create a payment approval notice after sufficient loan funds have been received.

[0030] P10: The seller loan submodule obtains the notification in real time, calculates the remaining amount of the seller loan, and then initiates a payment request, notifying the government affairs management module of the remaining amount of the seller loan, payment request time, payment account, payment request business document number, and online contract number.

[0031] P11: The government affairs management module creates a payment transfer instruction based on the remaining amount of the seller's loan received, the payment request time, the payment account, the payment request business document number, and the online contract number, and informs the bank supervision module.

[0032] P12: The bank supervision module informs the internal system of the supervision bank of the transfer instruction, and then the internal system of the supervision bank transfers the supervision funds to the seller's loan sub-module, and sends the payment request business number in the remarks of the fund transfer to the seller's loan sub-module.

[0033] P13: The seller's loan submodule will link the received funds to the corresponding payment request business file according to the payment request business file number in the postscript (to achieve accurate inter-bank transfers between public and private banks), and then settle the remaining loan of the seller. After the loan is settled, the real estate registration module will be used to release the mortgage right of the seller's loan submodule, and the settlement information will be notified to the government affairs management module at the same time.

[0034] P14: The government administration module creates instructions for transferring the remaining funds based on the settlement information and informs the bank supervision module.

[0035] P15: The bank supervision module notifies the supervision internal system of the remaining funds transfer instruction. The supervision bank internal system transfers the remaining funds to the seller and notifies the bank supervision module of the remaining funds transfer flow. The bank supervision module then notifies the government affairs management module.

[0036] This method can flexibly support the processing of mortgage transfer business when both the buyer and the seller have loans or only one of the buyer and the seller has a loan, supports the processing of commercial bank loans, provident fund loans, and combined loans, and also supports cross-bank fund settlement between the seller's loan sub-module and the buyer's loan sub-module.

[0037] The purpose of the present invention is to provide a method and system for supervising loan funds and funds for transfer with mortgage. By constructing a platform, the Ministry of Housing and Urban-Rural Development, loan banks, provident funds, supervisory banks, and regulatory bureaus are connected at the data level. At the business level, the online contract signing of the Ministry of Housing and Urban-Rural Development, the approval of transfer with mortgage and loan approval by loan banks and provident funds, the fund supervision of supervisory banks, and the "two-in-one" registration and release of mortgage of real estate are integrated. By using the buyer's loan funds or own funds to repay the seller's remaining loan, the problem that the seller needs to repay the loan in advance and release the mortgage before the transaction can be carried out is solved, and at the same time, the problem of fund security caused by the inability to supervise loan funds is solved.

[0038] The above is only a preferred embodiment of the present invention. It should be understood that the present invention is not limited to the form disclosed herein, and should not be regarded as excluding other embodiments, but can be used in various other combinations, modifications and environments, and can be modified within the scope of the concept described herein through the above teachings or the technology or knowledge of the relevant field. The changes and modifications made by those skilled in the art shall not deviate from the spirit and scope of the present invention, and shall be within the scope of protection of the claims attached to the present invention.

Claims

1. A loan fund supervision and mortgage transfer fund supervision system, characterized in that: Including online signing module, loan module, government affairs management module, fund supervision module, real estate registration module, and bank supervision module; The online signing module is used to provide buyers and sellers with a way to sign a house sale contract, and specifically includes a buyer's online signing submodule and a seller's online signing submodule; The loan module is used to provide loan methods for buyers and sellers and send loan information to the government affairs management module, specifically including: buyer loan submodule and seller loan submodule; The government affairs management module is used to manage online signing status, loan status and the review of related data; The fund supervision module is used to determine the own fund supervision amount and the loan fund supervision amount; The real estate registration module is used to handle house-related registration and upload registration data to the government affairs management module; The bank supervision module is used to divide the loan funds and send the fund division information to the government affairs management module.

2. The loan fund supervision and mortgage transfer fund supervision system according to claim 1 is characterized in that: The loan methods provided in the loan module specifically include: commercial bank loan, provident fund loan, and combined loan.

3. The loan fund supervision and mortgage transfer fund supervision system according to claim 2 is characterized in that: The loan information sent by the buyer loan submodule in the loan module specifically includes: loan approval amount; The loan information sent by the seller loan submodule specifically includes: estimated request amount and seller mortgage business document number.

4. The loan fund supervision and mortgage transfer fund supervision system according to claim 1 is characterized in that: The house-related registration in the real estate registration module specifically includes: house transfer registration and buyer's mortgage registration.

5. A method for supervising loan funds and funds with mortgage transfer, based on the system for supervising loan funds and funds with mortgage transfer as described in any one of claims 1 to 4, characterized in that: The following steps are involved: S1. The buyer and seller sign the existing housing sales contract through the online signing module and select the loan method for both parties; S2. The loan module approves the loan and sends the loan status data to the government administration module; S3. Determine the own funds supervision amount and loan funds supervision amount through the funds supervision module, and establish a funds supervision account through the bank supervision module; S4. Handle house-related registration through the real estate registration module; S5. The government administration module creates a fund transfer instruction based on the relevant information received and informs the bank supervision module; S6. The bank monitoring module receives the instruction and transfers the funds to the seller, and sends the fund transfer flow to the government affairs management module.

6. The method for supervising loan funds and funds with mortgage transfer according to claim 5 is characterized in that: The relevant information received in step S5 specifically includes: the seller's remaining amount, payment request time, payment account, payment request business document number, and online signing contract number.

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