Bilateral gain management system and method for online real estate transaction match-making

Abstract

Disclosed in the present invention are a bilateral gain management system and method for online real estate transaction match-making. A management party is provided to manage a real estate match-making transaction by means of the Internet. The management method comprises a real estate value evaluation step, a transaction target information establishment step, a seller information establishment step, a purchaser information establishment step, a real estate demand information establishment step, a match-making step, a message transmission step, a purchase willingness determination step and a contract signing step, wherein before the match-making step is executed, a valuation bank first evaluates the value of a real estate object and provides a loanable amount, and a purchaser evaluates financial resources on the basis of the loanable amount, so as to avoid the problem of the purchaser being unable to fulfill a contract, thereby improving the efficiency of a real estate transaction.

Description

An online real estate transaction matching two-way gain management system and management method TECHNICAL FIELD

[0001] The present application relates to the field of real estate transaction matching, in particular to an online real estate transaction matching two-way gain management system and management method. BACKGROUND

[0002] The current real estate transaction is often matched by intermediaries, in which the seller of the real estate delivers the relevant information of the real estate to the intermediary, entrusts the intermediary to publish the real estate information and handle the sale transaction, the buyer interested in buying the real estate finds the desired real estate through the intermediary and entrusts the intermediary to handle the purchase transaction, and the buyer and seller reduce the burden in the process of real estate transaction through the intermediary matching service.

[0003] Before the intermediary performs the real estate matching, the value of the real estate is evaluated first, and the seller is suggested to set the price of the real estate as a reference. In the process of real estate matching transaction, the seller expects to sell the real estate at a higher transaction price, and the buyer expects to get a lower transaction price through negotiation. Price is an important factor affecting real estate transaction.

[0004] After the buyer and seller reach a consensus on the price of the real estate and sign a real estate transaction contract, some buyers need to get a loan from a bank or other financial institution by using the real estate as a mortgage based on the consideration of fund utilization or financial planning, so as to complete the transaction. Before the financial institution approves the loan, the value of the real estate as a mortgage needs to be evaluated as a basis for determining the loan amount. TECHNICAL PROBLEM

[0005] Real estate appraisers usually refer to the market transaction prices of other real estates with the same or similar conditions as the reference basis for assessing the value of real estate according to the conditions of real estate, but the appraisers' subjective judgment inevitably affects the judgment of the value of real estate. The conditions, nature and policy orientation of the real estate valuation institutions often make different institutions make different assessments of the value of the same real estate. The value of real estate assessed by intermediaries before the start of transaction mediation and the value of real estate assessed by financial institutions after the successful mediation often differ. In addition, the longer the time taken from the time when the real estate is put into the market for mediation to the time when the transaction contract is completed, the greater the difference in the value of real estate assessed by intermediaries and financial institutions at different time points. If the buyer applies for a loan from the financial institution, the buyer cannot obtain a loan sufficient to complete the transaction contract due to the aforementioned differences in the assessment of the value of real estate, so that the buyer cannot pay the full price of the real estate, and the real estate mediation transaction cannot be completed, which causes a waste of time for both the buyer and the seller and the intermediary. Technical solution

[0006] The main purpose of the present application is to provide an online real estate transaction mediation two-way gain management system and management method.

[0007] In order to achieve the above-mentioned purpose, the present application adopts the following technical scheme.

[0008] An online real estate transaction mediation two-way gain management system provides a management party to manage real estate mediation transactions through the Internet, which is mainly composed of electronic circuits and includes:

[0009] A real estate source module mainly composed of a writable memory medium is used to record transaction target information of a real estate object to be traded, and the transaction target information includes condition characteristics of the real estate object, an appraisal bank's appraisal of the real estate object, a loanable amount, an appraisal of the appraisal and the loanable amount, and an appraisal valid period of the appraisal and the loanable amount, and a pricing of the real estate object.

[0010] A seller database mainly composed of a writable memory medium is used to record seller information of a seller selling a real estate object, and the seller database is connected to the real estate source module, and the transaction target information is correspondingly bound to the seller information.

[0011] A buyer demand module mainly composed of a writable memory medium is used to record real estate demand information of a buyer who wants to purchase a real estate object.

[0012] A buyer database mainly composed of a writable memory medium is used to record buyer information of a buyer, and the buyer database is connected to the buyer demand module, and the real estate demand information is correspondingly bound to the buyer information.

[0013] a processing unit mainly composed of a microprocessor, the processing unit being connected to the real estate source module, the buyer demand module and the buyer database.

[0014] a transmission module being an electronic signal bidirectional transmitter, the transmission module being connected to the processing unit and the Internet, the processing unit transmitting information to at least one seller terminal device, at least one buyer terminal device and at least one bank terminal device through the transmission module.

[0015] The processing unit runs an application program to selectively match the transaction target information according to the real estate demand information and the buyer information, to generate the matching information, and to transmit the matching information to the buyer corresponding to the buyer information through the transmission module. The processing unit judges whether the buyer agrees to purchase the real estate object corresponding to the matching information based on the information transmitted by the buyer terminal device. The processing unit transmits the transaction information to the buyer who agrees to purchase and the seller who sells the real estate object, so that the buyer and the seller sign the real estate transaction contract.

[0016] A management method for managing the online real estate transaction matching executed by using the aforementioned online real estate transaction matching bidirectional gain management system, the management method comprising the following steps executed in sequence:

[0017] Evaluating the real estate value: the evaluation bank evaluates the value of the real estate object, to generate the evaluation, the loanable amount and the evaluation validity period.

[0018] Establishing the transaction target information: the management party investigates the real estate object to be sold by the seller based on the authorization of the seller, records the condition characteristics of the real estate object, and the seller sets the pricing of the real estate object as a reference based on the evaluation, to establish the transaction target information corresponding to the real estate object in the real estate source module. The transaction target information includes the pricing, the evaluation, the loanable amount and the evaluation validity period.

[0019] Establishing the seller information: the management party establishes the seller information based on the authorization of the seller, and the transaction target information is bound to the seller information of the seller who sells the real estate object.

[0020] Establishing the buyer information: the management party establishes the buyer information for the buyer based on the authorization of the buyer.

[0021] Establishing the real estate demand information: the real estate demand information is established based on the demand conditions of the buyer to purchase the real estate object, and the real estate demand information is bound to the buyer information. The real estate demand information includes the demand condition characteristics.

[0022] Matching: the transaction target information is compared and screened based on the real estate demand information bound to the buyer information, and the matching information is generated based on the screening result.

[0023] Transmitting information: the transaction target information and the pricing thereof are transmitted to the buyer corresponding to each matching information.

[0024] determining the purchase intention: based on the feedback information of the buyer, determining whether the buyer has the intention to purchase the real estate object represented by the transaction target information, if the buyer has the intention to purchase, then the subsequent step is performed, if the buyer does not have the intention to purchase, then returning to the mediation step.

[0025] signing the contract: based on the intention to purchase of the buyer, the management party transmits the mediation success information to the seller and the buyer respectively, and signs the real estate transaction contract with the seller and the buyer. Advantages

[0026] The present application estimates the value of the real estate object by the valuation bank, and then makes the valuation, the loanable amount and the valuation period, the buyer can obtain the mortgage loan based on the trust that the loanable amount can be obtained from the valuation bank, and evaluate whether the buyer's financial resources are sufficient to complete the transaction contract, so as to avoid the problem that the buyer cannot perform the contract due to the inability to pay the full price of the real estate, and improve the efficiency of real estate transaction. BRIEF DESCRIPTION OF DRAWINGS

[0027] Fig. 1 is a block diagram of the system architecture of the preferred embodiment of the present application.

[0028] Fig. 2 is a flow chart of the management method of the preferred embodiment of the present application. Embodiment of the present application

[0029] Please refer to Fig. 1 and Fig. 2, which are the preferred embodiment of the present application, but these embodiments are only for illustration and do not limit the structure of the patent application.

[0030] As shown in Fig. 1, the online real estate transaction mediation two-way gain management system 01 provides a management party to manage the real estate mediation transaction through the Internet 02, which is mainly composed of electronic circuits, including a real estate source module 10, a seller database 20, a buyer demand module 30, a buyer database 40, a processing unit 50 and a transmission module 60, wherein the real estate source module 10, the seller database 20, the buyer demand module 30 and the buyer database 40 are respectively composed of erasable memory media, the real estate source module 10 is used to record the transaction target information of the real estate object to be traded, the transaction target information includes the condition characteristics of the real estate object, the valuation of the real estate object by the valuation bank, the loanable amount of the real estate object as collateral by the valuation bank, the valuation period of the valuation and the loanable amount, and the pricing of the real estate object.

[0031] The loanable amount is the mortgage loan amount that the valuation bank promises to loan based on the real estate object as collateral within the valuation period.

[0032] The specific examples of the condition characteristics include, but are not limited to, the geographical location, the area, the building age, the layout, the traffic convenience, and the landscape of the real estate object, and the survey range of the real estate object can be selected according to the need, the property right state of the real estate object, whether there is a lease relationship or occupation by others, whether there is a reconstruction or illegal construction matter, whether the real estate object needs to be repaired and the repair range, the surrounding environment, and the investigation of the present situation of the neighborhood.

[0033] The seller database 20 is used to record the seller information of the real estate object for sale, the seller database 20 is connected to the real estate source module 10, and the transaction target information is correspondingly bound to the seller information; the seller can be the owner of the real estate object, or the agent entrusted or instructed by the owner to handle the sale of the real estate object, including but not limited to real estate intermediaries.

[0034] The buyer demand module 30 is used to record the real estate demand information of the buyer who wants to purchase the real estate object, and the real estate demand information is set by the management party based on the intention of the buyer to purchase the real estate, including the condition characteristics that the real estate object desired to be purchased by the buyer must have.

[0035] The buyer database 40 is used to record the buyer information of the buyer, and the buyer database 40 is connected to the buyer demand module 30, and the real estate demand information is correspondingly bound to the buyer information.

[0036] The processing unit 50 is mainly composed of a microprocessor 52, and the processing unit 50 is connected to the real estate source module 10, the buyer demand module 30, and the buyer database 40.

[0037] The transmission module 60 is a bidirectional electronic signal transmitter, and the transmission module 60 is connected to the processing unit 50 and the Internet 02, and the processing unit 50 transmits information to a seller terminal device 03 used by the seller, at least one buyer terminal device 04 used by the buyer, and a bank terminal device 05 used by at least one bank through the transmission module 60.

[0038] The processing unit 50 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, transmits the matching information to the buyer corresponding to the buyer information through the transmission module 60, and judges whether the buyer agrees to purchase the real estate object corresponding to the matching information based on the information transmitted by the buyer terminal device 04, transmits the transaction information to the buyer who agrees to purchase and the seller who sells the real estate object respectively, so that the buyer and the seller sign a real estate transaction contract.

[0039] As shown in FIG. 2, the management method executed by using the online real estate transaction matching bidirectional gain management system 01 is used to manage the online real estate transaction matching, which includes the following steps executed in sequence:

[0040] Assessing the value of the real estate: the appraisal bank assesses the value of the real estate object, based on which the appraisal, the loanable amount and the validity period of the appraisal are made.

[0041] Establishing transaction target information: based on the authorization of the seller, the management party investigates the real estate object to be sold by the seller, records the condition characteristics of the real estate object, and the seller uses the appraisal as a reference for setting the pricing of the real estate object, based on which the transaction target information corresponding to the real estate object is established in the real estate source module 10, and the transaction target information includes the pricing, the appraisal, the loanable amount and the validity period of the appraisal.

[0042] Establishing seller information: based on the authorization of the seller, the management party establishes the seller information in the seller database 20, and the transaction target information is bound to the seller information of the real estate object to be sold.

[0043] Establishing buyer information: based on the authorization of the buyer, the management party establishes the buyer information in the buyer database 40.

[0044] Establishing real estate demand information: based on the demand conditions of the buyer for the real estate object, the real estate demand information is established in the buyer demand module 30, and the real estate demand information is bound to the buyer information, and the real estate demand information includes the demand condition characteristics.

[0045] Matching: based on the real estate demand information bound to the buyer information, the transaction target information is compared and screened, and the matching information is generated based on the screening result.

[0046] Specifically, the matching step is to compare and screen the transaction target information that meets the demand condition characteristics of the real estate object expressed by the real estate demand information and has a pricing within the price range selected by the buyer, based on which one to several pieces of matching information are generated.

[0047] Transmitting information: the transaction target information and its pricing are transmitted to the buyer corresponding to each matching information, and an authorization code can be optionally issued together, so that the buyer can watch the video of the real estate object corresponding to each matching information after verifying the authorization code.

[0048] After receiving the matching information, the buyer can query the transaction target information of the real estate object referred to by the matching information through the real estate source module 10, which serves as a reference for the buyer to judge whether to purchase the real estate object, and the processing unit 50 limits the buyer to only query the transaction target information referred to by the matching information, which helps the buyer focus on one to several real estate objects that meet the demand and have a pricing within the price range selected by the buyer, thereby improving the matching success rate; the buyer can choose to enter the real estate source module 10 to watch the video of the real estate object after verifying the authorization code, and the buyer can also choose to go to the location of the real estate object to investigate the current situation of the real estate object on site using the authorization code.

[0049] Judging the purchase intention: judging whether the buyer has the intention to purchase the real estate object represented by the transaction target information based on the feedback information of the buyer, if the buyer has the intention to purchase, then the following step is performed, if the buyer does not have the intention to purchase, then the matching step is returned.

[0050] Signing the contract: based on the intention to purchase of the buyer, the management party transmits the matching success information to the seller and the buyer respectively, and signs the real estate transaction contract with the seller and the buyer.

[0051] When the transaction target information establishing step is performed, the estimated value, the loanable amount and the estimated value validity period of the real estate object made by the appraisal bank need to be obtained in advance. The loanable amount is the amount of money that the appraisal bank can lend when the buyer applies for a loan with the real estate object as collateral within the estimated value validity period. If the buyer applies for a loan to the appraisal bank with the real estate object referred to in the matching information as collateral within the estimated value validity period, the appraisal bank can lend at least not less than the loanable amount. The buyer can confirm the amount of money that the real estate object can obtain in the future as a reference for judging whether it is within the range of his own financial capacity. Therefore, the buyer can obtain the loan from the appraisal bank based on the reliable information that is sufficient to complete the transaction contract, avoiding the problem that the buyer cannot perform the contract after the signing step is completed because he cannot pay the price of the real estate in full, eliminating the time waste of the buyer and seller, and improving the efficiency of real estate transactions.

[0052] When the transaction target information establishing step is performed, at least two different appraisal banks can be selected to evaluate the value of the real estate object and make an estimated value, a loanable amount and an estimated value validity period respectively, providing a reference for the buyer to decide the purchase intention based on the matching information.

[0053] The management method can further include a verification step, wherein the verification step is performed before the matching step. The verification step is to compare whether the running time has exceeded the estimated value validity period. If the running time has not exceeded the estimated value validity period, the matching step can be performed. If the running time has exceeded the estimated value validity period, the matching step is not performed, and a message is sent to the seller.

[0054] The external environmental conditions that can affect the value of the real estate object often change over time. By performing the verification step, the matching step can be limited to be performed only within the estimated value validity period, avoiding the risk that the appraisal bank's evaluation of the value of the real estate object may change after the estimated value validity period, thereby avoiding the appraisal bank's refusal to perform the mortgage lending at the loanable amount, which in turn affects the performance of the contract, and thus improving the efficiency of real estate transaction matching.

[0055] The buyer information can further include a loan credit limit of the buyer and its credit validity period granted by a credit bank.

[0056] The management method further includes an evaluation and credit step, wherein the evaluation and credit step is performed before the establishing of the buyer information step, and the evaluation and credit step is performed by a credit bank to evaluate the financial status and debt paying ability of the buyer to make a loan credit evaluation, which includes the loan credit amount and the credit validity period of the buyer.

[0057] In the establishing of the buyer information step, the management party obtains the verification certificate of the loan credit evaluation of the credit bank based on the authorization of the buyer, and the management party establishes the buyer information of the buyer based on the premise of the buyer setting up a credit deposit in the credit bank, and the buyer information includes the loan credit amount and the credit validity period.

[0058] The matching step can further use the loan credit amount expressed in the buyer information as a screening condition to compare and screen the transaction target information that meets the demand condition characteristics and is priced within the loan credit amount from the real estate source module, and the matching information is generated based on the screening result.

[0059] The verification step can further compare whether the running time exceeds the credit validity period of the loan credit evaluation, and verify whether the credit deposit is valid, if the running time does not exceed the credit validity period of the loan credit evaluation and the credit deposit is valid, the matching step can be continued to be performed, if the running time exceeds the credit validity period of the loan credit evaluation or the credit deposit is not valid, the matching step is not performed, and a message is sent to inform the buyer.

[0060] In the judging of the purchase intention step, when the feedback message of the buyer indicates that the buyer has the purchase intention, the management party informs the credit bank to limit the transfer of the credit deposit, and in the signing of the contract step, the credit deposit is transferred to a performance guarantee account as the performance guarantee deposit of the buyer.

[0061] The term "valuation bank" in the present application is used to represent a bank or other financial institution that evaluates the value of a real estate object and makes a valuation based thereon, and the term "credit bank" is used to represent a bank or other financial institution that evaluates the financial status and debt paying ability of a buyer and makes a loan credit amount based thereon, and the "valuation bank" and the "credit bank" are not used to refer to specific banks or institutions, and the valuation bank and the credit bank can be the same enterprise or different enterprises.

Claims

1. An online real estate transaction brokering two-way gain management system providing a management party to manage real estate brokering transactions through the Internet, characterized in that It is mainly composed of electronic circuits, including: A real estate source module, mainly composed of a writable memory medium, for recording transaction target information of real estate objects to be traded, the transaction target information including the conditional characteristics of the real estate objects, an appraisal bank's appraisal of the real estate objects, a loanable amount, an appraisal validity period of the appraisal and the loanable amount, and a pricing of the real estate objects; A seller database, mainly composed of a writable memory medium, for recording seller information of real estate objects for sale, the seller database being connected to the real estate source module, and the transaction target information being correspondingly bound to the seller information; A buyer demand module, mainly composed of a writable memory medium, for recording real estate demand information of buyers who want to purchase real estate objects; A buyer database, mainly composed of a writable memory medium, for recording buyer information of the buyers, the buyer database being connected to the buyer demand module, and the real estate demand information being correspondingly bound to the buyer information; A processing unit, mainly composed of a microprocessor, the processing unit being connected to the real estate source module, the buyer demand module and the buyer database; A transmission module being a bidirectional electronic signal transmitter, the transmission module being connected to the processing unit and the Internet, and the processing unit transmitting information to at least one seller terminal device, at least one buyer terminal device and at least one bank terminal device through the transmission module; Wherein the processing unit runs an application program, selectively matches the transaction target information according to the real estate demand information and the buyer information, to generate matching information, and transmits the matching information to the buyer corresponding to the buyer information through the transmission module, and the processing unit judges whether the buyer agrees to purchase the real estate object corresponding to the matching information based on the information transmitted by the buyer terminal device, and the processing unit transmits a transaction information to the buyer who agrees to purchase and the seller who sells the real estate object, so that the buyer and the seller sign a real estate transaction contract.

2. The online real estate transaction brokering bidirectional gain management system of claim 1, wherein The buyer information includes a loan credit limit of a credit bank for the buyer and a credit validity period thereof.

3. A management method using the online real estate transaction brokering bidirectional gain management system of claim 1, the management method for managing online real estate transaction brokering, characterized by The method includes the following steps performed in sequence: Evaluating the value of real estate: an appraisal bank evaluates the value of real estate objects, to generate an appraisal, a loanable amount and an appraisal validity period; Establishing transaction target information: a management party, based on the authorization of a seller, investigates real estate objects to be sold by the seller, records the conditional characteristics of the real estate objects, the seller sets the pricing of the real estate objects by taking the appraisal as a reference, and accordingly establishes transaction target information corresponding to the real estate objects in the real estate source module, the transaction target information including the pricing, the appraisal, the loanable amount and the appraisal validity period; Establishing seller information: a management party, based on the authorization of a seller, establishes seller information, and the transaction target information is bound to the seller information of the real estate objects for sale; Establishing buyer information: a management party, based on the authorization of a buyer, establishes buyer information for the buyer; Establishing real estate demand information: based on the demand conditions of the buyer for purchasing real estate objects, real estate demand information is established, and the real estate demand information is bound to the buyer information, the real estate demand information including demand condition characteristics; Matching: the real estate demand information bound to the buyer information is compared and screened against the transaction target information, and matching information is generated based on the screening result; Transmitting information: the transaction target information and the pricing thereof are transmitted to the buyer corresponding to each matching information; determining the purchase intention: based on the feedback information of the buyer, determining whether the buyer has the intention to purchase the real estate object represented by the transaction target information, if the buyer has the intention to purchase, then the subsequent step is performed, if the buyer does not have the intention to purchase, then the matching step is returned to; signing the contract: based on the intention of the buyer to purchase, the management side transmits the matching success information to the seller and the buyer, and signs the real estate transaction contract with the seller and the buyer.

4. The management method of claim 3, wherein Further comprising a verification step, wherein the verification step is performed before the matching step, the verification step is to compare whether the running time has exceeded the valid period of the valuation, if the running time has not exceeded the valid period of the valuation, then the matching step can be performed, if the running time has exceeded the valid period of the valuation, then the matching step is not performed, and a message is sent to the seller.

5. The management method of claim 3, wherein In the transaction target information establishing step, at least two valuation banks respectively evaluate the value of the real estate object, and respectively make the valuation, the loanable amount and the valuation period.

6. The management method of claim 3, wherein Further comprising an evaluation and credit step, wherein the evaluation and credit step is performed before the buyer information establishing step, the evaluation and credit step is to evaluate the financial status and the debt paying ability of the buyer by a credit bank, and make a loan credit evaluation, the loan credit evaluation includes the loan credit amount and the credit valid period of the credit bank to the buyer; In the buyer information establishing step, the management side obtains the verification certificate of the loan credit evaluation of the credit bank based on the authorization of the buyer, and the management side establishes the buyer information for the buyer based on the premise that the buyer sets up a credit deposit in the credit bank, the buyer information includes the loan credit amount and the credit valid period.

7. The management method of claim 6, wherein The matching step takes the loan credit amount represented by the buyer information as the screening condition, compares and screens the transaction target information that meets the demand condition characteristics and is priced within the loan credit amount from the real estate source module, and generates matching information based on the screening result.

8. The management method of claim 7, wherein Further comprising a verification step, wherein the verification step is performed before the matching step, the verification step is to compare whether the running time has exceeded the credit valid period of the loan credit evaluation, and verify whether the credit deposit is in existence, if the running time has not exceeded the credit valid period of the loan credit evaluation and the credit deposit is in existence, then the matching step can be performed, if the running time has exceeded the credit valid period of the loan credit evaluation or the credit deposit is not in existence, then the matching step is not performed, and a message is sent to the buyer.

9. The management method of claim 7, wherein In the purchase intention determining step, when the buyer has the intention to purchase based on the feedback information of the buyer, the management side notifies the credit bank to limit the transfer of the credit deposit, in the signing the contract step, the credit deposit is transferred to a performance guarantee account as the performance guarantee deposit of the buyer.

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