Housing sales support system

Abstract

This system provides a housing sales support system that offers highly specialized services by completely dividing the housing sales operations, optimizing information using AI, and linking with external real estate valuation systems, thereby improving the approval rate of mortgage loan applications and operational efficiency. [Solution] The housing sales support system 3 houses an input unit where each specialized department—sales, property, loan, and contract—inputs information, a memory that stores the information entered from the input unit, and a CPU that processes the information read from the memory in response to requests from each specialized department and displays it on the requesting department's display. All of these components are housed in the same enclosure, allowing for information sharing and collaborative work. This enables significantly more accurate proposals than those made by a single person. Because AI summarizes and extracts information from each person in charge, it eliminates the drawbacks of division of labor, such as information leaks and handover time lags, allowing all departments to operate simultaneously. By linking with the real estate valuation system 9, it is possible to prevent the proposal of properties at unreasonable prices and significantly increase the approval rate of mortgage loan applications.

Description

Technical Field

[0001] The present invention relates to a housing sales business support system for smoothly sharing and processing information to increase the conclusion rate when specialized staff members separately handle each of the operations of sales, property selection, housing loans, and contracts in housing sales.

Background Art

[0002] Conventionally, in the housing sales business, it has been common for a single salesperson to handle all processes consistently. However, there were problems such as the housing loan review by the financial institution not passing even when property selection progressed, and the final sale not being achieved. In addition, because high specialized knowledge is required for each process, it may have been difficult for a single person in charge to make an optimal proposal.

Summary of the Invention

Problems to be Solved by the Invention

[0003] An object of the present invention is to provide a housing sales business support system that provides highly specialized services and improves the housing loan review pass rate and business efficiency by optimizing information using AI and collaborating with an external real estate evaluation system while making the housing sales business a complete division of labor system.

Means for Solving the Problems

[0004] The housing sales business support system of the present invention has an input unit where a salesperson inputs sales information to a housing purchase applicant, a property selection person inputs property selection information that matches the conditions of the housing purchase applicant, a housing loan person inputs housing loan information, and a contract person inputs contract information regarding housing purchase with the housing purchase applicant, a memory that stores the information input from the input unit, and a CPU that performs a process of displaying the information read from the memory in response to a request from each person in charge to the requester.

[0005] In this way, property managers can request sales information from the CPU and use that information to select properties that meet the requirements of prospective homebuyers. Mortgage managers can request property selection information from the CPU and use that information to provide mortgage advice. Contract managers can request mortgage information from the CPU and use that information to handle contract work related to home purchases. This division of labor among team members allows for the provision of superior services based on high levels of expertise. Furthermore, by enabling each team member to appropriately share information through this system, the problem of necessary information not being accessed can be eliminated.

[0006] Furthermore, the memory stores real estate valuation information from a real estate valuation system used by financial institutions that review mortgage applications. This allows for the evaluation of the property using the same system as financial institutions, preventing financial institutions from selecting or proposing properties that are too expensive to qualify for loans, and thus increasing the likelihood of passing the loan application process.

[0007] Furthermore, the aforementioned sales information, property selection information, mortgage information, and contract information are all information obtained by each person in charge through their own work. The CPU then uses AI to refine (update) the sales information entered by the sales person for the property selection person, the information entered by the property selection person for the mortgage person, and the information entered by the mortgage person for the contract person. This has the effect of enabling those responsible for subsequent tasks to perform their duties based on more useful information processed by AI. [Effects of the Invention]

[0008] According to this invention, high-quality services can be provided by dividing tasks among specialists. Furthermore, the handover between departments becomes more efficient through the refinement of information by AI. In addition, by utilizing an external real estate valuation system, evaluations can be conducted using common standards with financial institutions, improving the pass rate for mortgage loan applications. [Brief explanation of the drawing]

[0009] [Figure 1] Figure 1 is an overall diagram of the housing sales support system of this embodiment. [Figure 2] Figure 2 is a flowchart illustrating the flow of the business model in this embodiment. [Figure 3] Figure 3 is a functional block diagram of the terminal equipment used by each person in charge. [Figure 4] Figure 4 is a functional block diagram of the housing sales support system 3. [Modes for carrying out the invention]

[0010] The housing sales support system of this embodiment will be described in detail below with reference to the drawings. As shown in Figure 1, the housing developer 5 has its employees—sales representatives 31, property selection representatives 32, mortgage representatives 33, and contract representatives 34—perform duties for prospective homebuyers 21. Each representative accesses the housing sales support system 3 via the network 9 using their respective terminal devices 41-44.

[0011] <Terminal device configuration> The member terminal device 11, sales representative terminal device 41, property selection representative terminal device 42, mortgage loan representative terminal device 43, and contract representative terminal device 44 are terminal devices such as PCs and smartphones, and have the configuration shown in Figure 3, for example. As shown in Figure 3, the terminal device includes, for example, a display 51, an operation / input unit 54, a communication unit 55, a memory 59, and a processing unit (CPU) 61. Each person in charge inputs various information using the operation / input unit 54. The processing unit 61 stores this information in the memory 59 and transmits it to the housing sales support system 3 via the communication unit 55.

[0012] <Configuration of Housing Sales Business Support System 3> As shown in Figure 4, the housing sales support system 3 includes a communication unit 75, an input unit 77, a memory 79, and a processing unit (CPU) 81. These components are housed, for example, within the same enclosure. The processing unit 81 executes the program PRG2 stored in memory 79 and performs the following processing: First, it associates the sales information, property selection information, mortgage information, and contract information input from sales representatives 31 etc. via the input unit 77 etc., writes them to memory 79, and displays them as requested by each representative.

[0013] Furthermore, real estate valuation information obtained from an external real estate valuation system 9 is stored in memory 79 and provided as a basis for decision-making regarding property selection and loan applications. Furthermore, the processing unit 81 performs information optimization processing using AI (artificial intelligence). Specifically, it uses AI to refine the content of sales information entered by sales representatives 31 into a format that is easy for property selection staff 32 to use, the information from property selection staff for mortgage staff, and the mortgage information for contract staff. Specifically, it picks out important items necessary for the next process from the input content of the previous stage, summarizes them, and shares them. This streamlines the handover between departments in a fully divided system and enables simultaneous progress of bank selection, property selection, and contract preparation.

[0014] <Overall Service Flow> Based on Figure 2, the overall operation flow of this system will be explained. Step ST11: Sales representative 31 inputs the annual income and desired conditions obtained from prospective homebuyers 21 into the sales representative terminal device 41, and stores the sales information in the memory 79 of system 3. Step ST12: The processing unit 81 of the housing sales business support system 3 uses AI to enhance and update the sales information for property selection.

[0015] Step ST13: The person in charge of property selection 32 selects the optimal property by referring to the updated sales information, and inputs and stores the property selection information in the memory 79. Step ST14: The processing unit 81 summarizes and updates the property selection information for the housing loan officer using AI.

[0016] Step ST15: The housing loan officer 33 makes adjustments with financial institutions while referring to the property selection information and the information of the real estate evaluation system 9, and inputs and stores the housing loan information in the memory 79. Step ST16: The processing unit 81 enhances the housing loan information for the contract officer using AI.

[0017] Step ST17: The contract officer 34 creates contract documents based on the various information stored in the memory 79, and registers the contract information in the memory 79.

[0018] <AI Update Process> The specific flow of the AI update process performed by the processing unit 81 of the housing sales business support system 3 will be described. Step ST21: The processing unit 81 detects new information input by a specific person in charge from the memory 79. Step ST22: The processing unit 81 uses the AI program to extract specific items (e.g., attributes related to financing, etc.) required by the person in charge of the next process from the input information. Step ST23: The processing unit 81 summarizes the information based on the extracted items, generates enhanced information for the next process, and updates the memory 79.

[0019] <Real Estate Evaluation Linkage Process> The utilization flow of real estate evaluation information in the housing sales business support system 3 will be described. Step ST31: The processing unit 81 of the housing sales business support system 3 obtains the latest appraisal value of the target property from the external real estate appraisal system 9 via the communication unit 75.

[0020] Step ST32: The processing unit 81 stores the acquired real estate valuation information in association with the property selection information in memory 79. Step ST33: The processing unit 81 compares the property price with the collateral valuation by the financial institution and creates a report visualizing the likelihood of mortgage loan approval, which is then displayed on the screen. The property selection officer 32 shares this report with the prospective homebuyer 21 while selecting a property. The mortgage loan officer 33 also shares this report with the prospective homebuyer 21 while performing tasks related to the mortgage loan.

[0021] <Effects of this embodiment> According to this embodiment, by having specialized departments for sales, properties, loans, and contracts share information and carry out their work together, it becomes possible to make proposals that are significantly more accurate than if one person were to do it alone. According to this embodiment, since the AI ​​performs information summarization and extraction, it eliminates the drawbacks of division of labor, such as information leakage and time lags in handover, allowing all departments to work simultaneously. According to this embodiment, by linking with the real estate valuation system 9 actually used by banks, it is possible to prevent the proposal of properties at unreasonable prices and significantly increase the approval rate of mortgage loan applications.

[0022] <Variation> The present invention is not limited to the embodiments described above, and the following modifications are possible. For example, the system could be configured to immediately notify the sales representative's terminal of an alert if, based on the information refined by the AI, it is determined that approving a mortgage loan will be difficult. Alternatively, the processing unit 81 may be configured to graph the future asset value trends of the target property based on real estate valuation information and distribute it directly to the home buyer terminal device 11. [Explanation of Symbols]

[0023] 3... Housing sales support system, 5... Housing sales company, 11... Terminal device for prospective homebuyers, 21... Prospective homebuyers, 31... Sales representative, 32... Property selection representative, 33... Mortgage loan representative, 34... Contract representative, 41... Sales representative terminal device, 42... Property selection representative terminal device, 43... Mortgage loan representative terminal device, 44... Contract representative terminal device, 75... Communication unit, 77... Input unit, 79... Memory, 81... Processing unit (CPU)

Claims

1. An input section in which a sales representative enters sales information for prospective homebuyers, a property selection representative enters property selection information that matches the prospective homebuyers' conditions, a mortgage representative enters the prospective homebuyers' mortgage information, and a contract representative enters contract information regarding the purchase of a home with the prospective homebuyers. A memory for storing information input from the aforementioned input unit, A CPU that processes information read from memory and displays it to the requester in response to a request from the sales representative, the property selection representative, the mortgage representative, and the contract representative. A housing sales support system that includes [specific features / features].

2. The memory stores real estate valuation information from a real estate valuation system used by the financial institution that reviews the mortgage loan. The housing sales business support system according to claim 1.

3. The aforementioned sales information is information obtained by the sales representative through their own sales activities. The aforementioned property selection information is information obtained by the property selection officer through their own property selection work. The mortgage information is information obtained by the aforementioned mortgage officer through their own mortgage work. Contract information is information obtained by the aforementioned contract officer through their own contract work. The housing sales business support system according to claim 1.

4. The aforementioned CPU is The process involves using AI to refine the sales information entered by the aforementioned sales representative for use by the aforementioned property selection manager, The process involves using AI to refine the sales information entered by the property selection officer for use by the mortgage officer, The process involves using AI to refine the sales information entered by the aforementioned mortgage officer for use by the aforementioned contract officer, A housing sales business support system according to claim 1, which performs the following:

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