Real estate risk hedging contract service delivery method, server and computer program
Patent Information
- Authority / Receiving Office
- JP · JP
- Patent Type
- Applications
- Current Assignee / Owner
- キムジョンク
- Filing Date
- 2024-05-20
- Publication Date
- 2026-06-16
AI Technical Summary
【0005】 本発明の多様な実施例によると、使用者の要請に応じて不動産売り物に対するリスクヘッジ約定商品に対する電子契約を締結し、電子契約に対する使用者の権利行使の有無に基づいて、電子契約を消滅させて使用者が不動産売り物の所有権を維持するようにしたり、不動産売り物を事前に定められた価格で売り渡せるようにすることによって、不動産の価格変動によるリスクを回避できるようにするという利点がある。 特に、本発明の多様な実施例はリスクヘッジ約定商品に対する電子契約を締結した使用者の権利行使の有無に応じて使用者が不動産売り物の所有権を維持するようにしたり、不動産売り物を事前に定められた価格で売り渡せるようにすることによって、不動産価格の不確実性と流動性などのようなリスクを解消することを核心目的とするものであり、これを通じて、不動産買入および/または申込時に使用者が感じる負担感と不安感を解消させることができるという利点がある。 本発明の効果は以上で言及された効果に制限されず、言及されていないさらに他の効果は下記の記載から通常の技術者に明確に理解され得るであろう。
Smart Images
Figure 2026519476000001_ABST
Abstract
Claims
1. In a method of providing real estate risk hedging contract services executed by a server, The stage of obtaining a purchase request from the user for a hedge product against real estate sales; The step of concluding an electronic contract for the risk hedging contract product by executing an electronic contract process in response to the acquired purchase request; and A method for providing real estate risk hedging agreement services, including the step of terminating the concluded electronic contract or carrying out the sales contract process for the real estate product, based on whether or not the user exercises their rights with respect to the concluded electronic contract.
2. The stage of concluding the aforementioned electronic contract is: The stage of conducting a feasibility study process that involves analyzing information regarding the aforementioned real estate for sale and the real estate development project to be carried out on the site including the aforementioned real estate for sale; The stage in which a decision is made to approve the inclusion of a risk hedging contract for the real estate product based on the results of the feasibility study process carried out as described above; If the inclusion of a risk hedging contract for the aforementioned real estate sale is approved, the step of providing the user with an electronic contract for the contract of the risk hedging contract for the aforementioned real estate sale; and A method for providing a real estate risk hedging agreement service according to claim 1, further comprising the step of concluding an electronic contract for a risk hedging agreement product for the real estate sale based on signature information obtained from the user as a response to the electronic contract provided.
3. The stage of carrying out the aforementioned feasibility study process is: A step in which the assessment of each of the multiple households included in the specific project area is carried out based on predefined assessment fields and assessment items to determine whether each of the multiple households is eligible to subscribe to the risk hedging contract product; and A method for providing real estate risk hedging services according to claim 2, comprising the step of calculating the ratio of the number of households deemed eligible to subscribe to the risk hedging contract product to the number of the aforementioned multiple households, and determining the risk underwriting rate for the specified business site based on the calculated ratio.
4. The stage of carrying out the aforementioned feasibility study process is: This includes a step of calculating the risk assumption rate for the business site including the real estate for sale by conducting a factor analysis of the real estate development business for the business site including the real estate for sale based on predefined evaluation fields and evaluation items, The stage in deciding whether to approve the inclusion of a risk hedging contract for the aforementioned real estate sale is: Based on the calculated risk underwriting rate, the step of determining the number of households eligible to subscribe to the risk hedging contract for the business site, including the real estate sales; and A method for providing real estate risk hedging services according to claim 2, comprising the step of approving or rejecting the subscription of a risk hedging contract product for the real estate sale based on the determined eligible households or the determined contract ratio.
5. The stage of concluding an electronic contract for a risk hedging agreement for the aforementioned real estate sale is: The method for providing a real estate risk hedging agreement service according to claim 2, wherein, in response to the provided electronic contract, signature information is obtained from the shopping street user, and the user is provided with a settlement process for paying a handling fee for the risk hedging agreement product, the handling fee is determined based on an indicator corresponding to at least one of the following: the acquisition cost of the real estate for sale, the market price, the exercise price, the remaining period until the expiration of the concluded electronic contract, price volatility, and market conditions.
6. The stage of concluding the aforementioned electronic contract is: If the business site including the aforementioned real estate for sale is a pre-approved business site, the user shall be provided with an electronic contract for the contract of a risk hedging product for the aforementioned real estate for sale. A method for providing real estate risk hedging services according to claim 1, further comprising the step of providing the user with an electronic contract for a contract for a risk hedging agreement for the real estate sale only if the business site including the real estate sale is a new business site and the inclusion of a risk hedging agreement for the real estate sale is approved through the business feasibility study process.
7. The steps of terminating the aforementioned electronic contract or carrying out the sales contract process for the aforementioned real estate are as follows: A method for providing a real estate risk hedging agreement service according to claim 1, further comprising the step of carrying out a real estate purchase agreement process in which, if the user exercises their rights under the concluded electronic contract within a predetermined period after the obligation agreement period under the concluded electronic contract has expired, the real estate property is purchased at a predetermined exercise price.
8. The steps of terminating the aforementioned electronic contract or carrying out the sales contract process for the aforementioned real estate are as follows: A method for providing real estate risk hedging agreements according to claim 1, further comprising the step of terminating the concluded electronic contract and terminating the contract by electronic contract document corresponding to the concluded electronic contract if the user has not exercised their rights to the concluded electronic contract within a predetermined period after the obligation agreement period under the concluded electronic contract has expired.
9. A method for providing real estate risk hedging contract services according to claim 1, further comprising the step of providing the derived business feasibility study results, which include a risk undertaking rate (the risk undertaking rate being the ratio of the number of households eligible to subscribe to the risk hedging contract product to the total number of households supplied in the specified project area), to the business operator or the user, when a business operator requests risk hedging contract consulting for a real estate development project to be carried out in a specified project area.
10. Processor; Network interface; memory; and The memory is loaded and the computer program is executed by the processor, The aforementioned computer program, Instructions for obtaining purchase requests from users for risk hedging products against real estate sales; Instructions for concluding an electronic contract for the risk hedging contract product by executing an electronic contract process in response to the acquired purchase request; and A server that performs a method for providing real estate risk hedging agreement services, including instructions for terminating the concluded electronic contract or carrying out the sales contract process for the real estate product, based on whether or not the user exercises their rights with respect to the concluded electronic contract.
11. Connected to the server, The stage of obtaining a purchase request from the user for a hedge product against real estate sales; The step of concluding an electronic contract for the risk hedging contract product by executing an electronic contract process in response to the acquired purchase request; and A computer program stored on a recording medium readable by a computing device for executing a method of providing real estate risk hedging agreement services, which includes steps such as terminating the concluded electronic contract or carrying out the sales contract process for the real estate product, based on whether or not the user exercises their rights with respect to the concluded electronic contract.