JP4366357B2 - Housing rental and sales support system - Google Patents

Description

The present invention relates to a housing leasing and sales support system that provides a housing for a person who wants to purchase a house in an initial rent and gives a preferential treatment according to the payment of monthly rent to the person who wants to purchase the house. .

  For example, a purchase applicant who intends to purchase a detached house, etc. applied for a purchase with a home seller and applied for a mortgage with a financial institution. In some cases, they may give up buying a house.

For example, there are still car loans, tuition fees, etc., and the specified mortgage repayment ratio cannot be cleared. There are also many purchasers who cannot meet the standards of a financial institution, such as being unable to make a mortgage by themselves.
Those who want to purchase such rents have a higher rent than the planned mortgage amount compared to the rent of the rented housing that they actually occupy. The current situation is in doubt.

  In this way, the purchase applicant who has been denied the mortgage loan temporarily gives up the purchase, continues to pay the rent in the rental house, and then saves for the purchase of the house. However, by paying the rent for rent, the amount of savings for housing purchases does not increase easily. In other words, the rent part is discarded.

  In Patent Document 1, for example, when a purchaser and a home sales company conclude a fixed-term lease contract for housing, and a purchaser who lives in the house pays rent based on the fixed-term lease contract for a certain period of time, It was configured to support purchasers who want to purchase a home by converting a certain percentage of the total paid rent into a part of the purchase price of the house or reducing a certain percentage of the paid rent from the purchase price. A home purchase support system has been proposed.

However, in the case of the housing purchase support system disclosed in Patent Document 1, the purchase applicant is required to leave the house due to the cancellation of the fixed-term lease contract or the expiration of the contract. It does not take into consideration the conservation measures against the above, but is accompanied by anxiety for those who wish to live stably in the residence for a long period of time. Moreover, in the case of the housing purchase support system of patent document 1, it does not mention even the asset management state of a seller side.
Japanese Patent No. 3411027

An object of the present invention is to provide, along with the give preferential treatment at the time of purchase for the buyer of connecting it houses the original lease contract, conservation measures for risk is also a thorough, yet, of selling the main side of the asset management state There is no housing rental and sales support system that can be grasped.

The present invention relates to a seller computer that sells a house, a client terminal that wants to purchase a house, and an intermediary that mediates the purchase or purchase of a house between the buyer and the seller. Connected to the communication network in the configuration of the intermediary computer, the communication network connecting the seller computer, the applicant terminal, the intermediary computer, and the online banking that manages the deposit accounts of the purchase applicant, the seller, and the broker And using a terminal of a person who wishes to purchase a home, and connecting a mortgage loan for procuring the home purchase price to the communication network while having a home purchase right and provisional registration . with easily set between the financial institutions, the sale by the main communication with the computer housing purchase rights can also be a continue living as rental housing allowed to disappear, for residents When a residential rental and sales support system (s) to have a sense of security, moreover, also for sale main, the sales main computer is easy to understand the operational status of the self assets of using, housing rental and transfer A housing leasing and sales support system that can perform asset management with high profitability in response to a purchase application using a terminal or communication network from a desire to purchase a house. , sales main computer month rent amount that takes into account the various expenses such as taxes on the monthly amount by the housing of the sales price mortgage calculation Terms based on that provided by, pay rent total amount in accordance with the payment months, prescribed to pay rent total subtraction amount multiplied by the ratio of the transfer price obtained by subtracting the subtraction value from the sales price of housing calculates predetermined period, the transfer price of the sales main computer database And the process to be presented to the desired user terminal via the communication network from the sales main computer these as lease and transfer plan stores, in response to the consent of through the purchaser of the desired terminal, said housing based on the lease and transfer plan A housing rental agreement with the right to purchase a home for a certain period of time and its cancellation conditions, and with a provisional registration permit as a precautionary measure to protect purchasers , between the seller computer and the applicant terminal in through a process that makes entered into, the payment of monthly rent to financial institutions by the online banking system by the desired terminal of the offer and the purchaser of the house to the buyer based on the residential rental agreement, within a certain period of time purchase in case the students who wish to exercise of the housing purchase rights of using the desired terminal by there was, in response to the exercise of the housing purchase rights to, sales main Payment rent total amount of the computer until the month in which there has been such exercise, subtracting the amount, calculates the transfer price that from the sales price of housing subtracting the subtraction amount, stores the transfer price to the database, I would like to transfer price person and the process to be presented to the desired user terminal through the direct or intermediary computer to the terminal, in order to transfer the house to the buyer, the buyer is using the desired user terminal the transfer price payment, the financial institutions and the process of selling mainly paid through, in order to grasp the asset management state of the sales main side, said the sale main computer, there is the exercise of housing purchase rights from the first payment of a month rent by the purchaser income to the moon, expense, calculates the profit and business profit ratio, and stores them in the database, the display on the display unit of the sales main computer as needed or flop Run the, and the process to be printed out on paper by the printer, by the applicant terminal, can also understand the asset management state of the sales main side by the communication with the sales main computer in the following upon exercise of the housing purchase rights, housing It is characterized in that the business profit and the business profit ratio increase as the period of time passes from the conclusion of the housing rental contract with the purchase right, and the fixed period in the home purchase right is 10 years in 10 years. The housing purchase right is extinguished as time passes, and the housing rental contract is configured to be a normal rental contract, and the release condition is the intention of the purchase applicant to It is a housing rental and sales support system whose main feature is that it is configured to be extinguished so that the housing rental contract becomes a normal rental contract.

The present invention has the following effects.
According to the first aspect of the present invention, there is an advantage that it becomes easy for a person who wants to purchase a house to make a mortgage for the purchase of the transfer price. Measures will be thorough, more free home purchase options are possible, and home rental and sales support systems that provide a sense of security with respect to residence can be provided by eliminating home purchase rights and continuing to live as normal rental housing. Can be provided. In addition, it is possible for the seller to provide a housing leasing and sales support system that makes it easy to grasp the asset management status and can perform asset management associated with housing leasing and transfer with high profits.

According to the invention described in claim 2, the system configuration in which the broker is interposed between the seller and the purchase applicant has the same effect as the invention according to claim 1, and the presence of the broker that mediates the residential property This makes it possible to provide a housing rental and sales support system that can be easily used by both purchasers and sellers.

According to the invention described in claim 3, the system configuration including the housing rental and sales program, the asset management program, and the operation means operating based on these are installed on the seller's computer. It is possible to provide a housing rental and sales support system that has the same effect.

The housing leasing and sales support system according to the present invention provides preferential treatment at the time of purchase to those who wish to purchase a house with an initial lease contract, and also provides safeguards against risks, and the asset management state of the seller side For the purpose of providing a housing rental and sales support system that makes it easy to grasp homes, the seller's computer that sells the home, the terminal of the applicant who wants to purchase the housing, the buyer and the seller Intermediary computer on the broker side that mediates the renting or buying and selling of houses between, the seller computer, the applicant terminal, the communication network connecting the broker computer, and the deposits of the buyer, seller, and broker It includes a financial institution that was connected to the communication network in the configuration of online banking to manage the account, and use the desired user terminal of the housing of the purchaser, housing Along with the assembled easily between the Iriken and financial institutions that the mortgage was connected to the communication network for residential purchase price procurement while having a conservation measure by the temporary registration, housing purchase rights by communication with the sales main computer It is also possible to continue to live as a rental housing by erasing the housing rental and sales support system so that there is always a sense of security about the residence, and also for the seller using the seller computer it is easy to understand the operational status of the self-assets, a residential rental and sales support system that was to be able to carry out the asset management associated with the rental and sale of housing in the highly profitable, the system, residential purchaser seekers terminal from, intermediary computer, in response to the purchase application that uses a communication network, residential rental and sales program was installed in the sales main computer Monthly rent based on the mortgage calculation rules based on the mortgage calculation rules based on the sales price of the housing provided by more operating calculation means, monthly rent including taxes and other expenses, total payment rent according to the number of payment months, specified as total payment rent Calculated for a certain period of the subtracted amount multiplied by the ratio of the above, and the transfer price obtained by subtracting the subtracted amount from the sales price of the house, and as a rental and transfer plan in the form of a table, these are requested from the seller computer via the intermediary computer and communication network With the process of presenting to the consumer terminal , the consent of the purchase applicant through the intermediary computer, with the purchase right of the house valid for a certain period of time based on the lease and transfer plan , and the conditions for releasing it, and , A housing rental contract with provisional registration permission conditions as a protective measure for protecting the purchase applicant is sold through the broker computer. A process of conclusion between the computer and the applicant terminal , a process of paying the brokerage fee to the broker's account in the financial institution by the online banking method of each of the seller computer and the applicant terminal, and an online banking method of the applicant terminal Paying the deposit to the seller's account at the financial institution and payment process of the right to purchase the house, providing the house to the purchaser based on the rental agreement, and online banking by the purchaser's terminal After payment of monthly rent to a financial institution by the method , if the purchase right is exercised by the purchase applicant using the applicant's terminal within a certain period of time, the right to purchase the home purchase right is exercised. received by, there is such exercise by the calculation means which is operated by mounting the housing rental and sales programs sold main computer Payment rent total amount of up to, subtract the amount, it calculates the transfer price obtained by subtracting the subtraction amount from the sale price of housing, as well as stored in the database, and the process to be presented to the applicant terminal this transfer price through the intermediary computer , in order to transfer the house to the buyer, the buyer is using the desired user terminal the transfer price price, and the process of selling mainly paid through the financial institutions, the sale main computer, seekers housing transfer of to the brokerage account in the financial institution by the online banking system of the terminal each, and payment process of brokerage fees associated with the acquisition, in order to grasp the asset management state of the sales main side, the sales main computer The calculation means operated by the asset management program installed in the Income to the moon that use is there, spending calculates the profit and business profit ratio, and stores them in the database, printed on paper by a display or printer display unit of the sales main computer if necessary run the, the method comprising the steps of: output, said by the applicant terminal, the can also understand the asset management state of the sales main side by the communication with the sales main computer at the later time of the exercise of housing purchase rights, home purchase with the right housing It is characterized in that the business profit and the business profit ratio are increased as the period from the conclusion of the lease contract increases, and the certain period of the housing purchase right is 10 years, and the housing is obtained after 10 years. The purchase right is extinguished, and the residential rental contract is configured as a normal rental contract, and the release condition is determined by the intention of the purchaser. This was realized by eliminating the purchase right and configuring the housing rental contract to be a normal rental contract.

Hereinafter, a housing rental and sales support system according to an embodiment of the present invention will be described in detail with reference to the drawings.

As shown in FIG. 1, the housing rental and sales support system according to the present embodiment has a seller computer 1 on the seller side such as a housing sales company that sells a house, and an intention to purchase a house. A network (for example, the Internet or the like) of a requester terminal (applicant terminal computer) 2 on the purchase requester side and an intermediary computer 3 on the side of an intermediary that mediates the rental or sale of a house between the purchase applicant and the seller Network) 4).
Further, it also includes a financial institution 5 that manages deposit accounts of purchasers, sellers, and brokers. Needless to say, the financial institution 5 may have an online banking configuration connected to the network 4. The applicant terminal 2 and the intermediary computer 3 use, for example, a general-purpose computer having a Web browser function and an e-mail transmission / reception function that operate in an Internet environment.

  As shown in FIG. 2, the seller computer 1 has a Web server 11 connected to the network 4 and a processing terminal 12, and an interface 13 connected to the Web server 11 is connected to the processing terminal 12 as a whole. A control unit 14 that controls the above, a housing rental and sales program to be described later, a program storage unit 15 that stores an asset management program, a database 16 that stores various data, the housing rental and sales program, and an asset management program , A calculation means 17 for performing various calculations for creating a table-type rental and transfer plan and an asset management table, an input unit 18 such as a keyboard for inputting various data, a display unit 19 such as a liquid crystal display, and a paper A printer 20 that performs print output is provided.

Next, a specific example of housing rental and sales processing in the housing rental and sales support system according to the present embodiment will be described in detail with reference to FIGS.
In this specific example, for example, a case where a house with a selling price (property price) of 27 million yen is provided from the seller to the purchase applicant is shown.

First, a house purchase applicant obtains information on the house provided by the seller, and makes an application for purchase of the house to the seller via an intermediary. The acquisition and purchase application of the house information can be executed by online processing using the network 4 based on the support system configuration shown in FIG. 1 described above.

  The seller side receives the purchase application and adds the monthly payment amount based on the mortgage calculation contract based on the housing loan calculation contract based on the housing sales price provided by the home rent and sales program installed in the seller computer 1. Monthly rent in consideration of various expenses, total rent paid according to the number of months of payment, subtracted amount obtained by multiplying the total paid rent by a predetermined ratio (for example, 55%), transfer price obtained by subtracting the subtracted amount from the selling price of the house Is calculated for a certain period (for example, 10 years), and these are stored in the database 16 as a table-type rental and transfer plan that summarizes the calculation results every year as shown in FIG. 4 and purchased through an intermediary. Present it to the applicant.

  The monthly rent is based on, for example, a 2.5% annual interest rate and 35-year equal payment condition as a mortgage calculation rule, and the obtained monthly rent includes various expenses such as taxes, that is, property tax, city Considering the planned tax, etc., the amount will be multiplied by 1.17 times.

  Originally, the rent in the case of rent is formed by the market price, for example, a yield of 6 to 10% is common. Specifically, in the case of a newly-built house of 27 million yen, the rent is 160,000 yen to 270,000 yen, but in this example, the yield is set to 4.2%, which is lower than the market price.

Presentation of a tabular rental and transfer plan to the purchase applicant via the above-described broker can also be executed by online processing using the network 4 based on the above-described support system configuration shown in FIG. The following processes are the same.

  Here, when the purchase applicant indicates the intention of consent through an intermediary, about the housing, the intermediary is interposed between the seller and the purchase applicant, or between the seller and the purchase applicant. A housing rental agreement will be concluded with a right to purchase a home for a certain period of time and conditions for canceling it, and with conditions for provisional registration.

  In this case, as the fixed period, for example, 10 years is adopted in consideration of consumption due to the passage of time in a house. Further, the content of the purchase of the house is that it will disappear when 10 years have passed since the conclusion of the housing lease contract, and thereafter it will become a normal lease contract. Since the performance guarantee of the house and the fluctuation of the land price (house) price are considered, the period during which the house purchase right can be exercised is 10 years.

  Furthermore, if the purchase applicant exercises the cancellation conditions at any time before the lapse of 10 years from the conclusion of the housing rental agreement, the right to purchase the home will be extinguished, and the housing rental agreement will become a normal rental agreement. The content is to become. The provisional registration is permitted to the purchase applicant in accordance with a precautionary measure for protecting the purchase applicant from the risk of bankruptcy of the seller. However, the expenses for provisional registration shall be borne by the purchase applicant.

  Thereafter, when the housing rental contract is concluded with an intermediary between the seller and the purchase applicant, the seller and the purchase applicant each pay an intermediary fee to the broker, and the purchase applicant Pays the seller the deposit (for February of the monthly rent) and the right to purchase the house (for January of the monthly rent), that is, the monthly rent for March.

  Accordingly, the seller provides the house as a rental property to the purchase applicant, and the purchase applicant starts living in the house and pays the rent monthly to the seller.

  In this way, the purchase applicant lives in the house, pays the monthly rent to the seller, and exercises the right to purchase the house within a certain period, that is, before 10 years have elapsed (for example, after 5 years). Shall be. Information on the exercise of home purchase rights is communicated to the seller (directly or via an intermediary).

  Upon the exercise of the right to purchase the house, the seller side uses the calculation means 17 operated by the house rental and sale program installed in the seller computer 1 to pay the total rent paid, the subtraction amount, The transfer price obtained by subtracting the subtracted amount from the sales price is calculated, the transfer price is stored in the database 16, and the transfer price is presented directly to the purchase applicant via an intermediary.

  For example, the transfer price when exercising the right to purchase a home after 5 years is 23,276,893 yen as shown in FIG. 4, which is 86.21% of the preset property price of 27 million yen. As a result, the burden on the purchase applicant is reduced and the purchase becomes easier. That is, it becomes easy to make a mortgage for purchasing funds. The standard table shown in FIG. 4 shows the case where the property price is fixed at 27 million yen for 10 years from the beginning, but this property price is reduced by, for example, a rate of 2.7% per year, and the above-mentioned transfer Operation that calculates the price is also possible.

  When the purchase price is presented as described above, the purchase applicant accepts the transfer price, and when the purchase price is paid to the seller, the seller transfers the house to the purchase applicant. As a result, the purchase applicant can acquire the house as a home and continue to live in peace.

  Further, the seller and the purchaser, when an intermediary agent is interposed, pay the brokerage fee associated with the transfer and transfer, respectively. With the above series of processing, the housing rental contract is terminated.

  There are various forms of payment of the transfer price to the seller of the purchase applicant, such as a lump sum or a loan based on a mortgage contract with a financial institution, but the description is omitted here.

  Next, the asset management state on the seller side will be described with reference to FIG. The computing means 17 operated by the asset management program installed in the seller computer 1 is the income, expenses, business profits from the first payment of the monthly rent by the purchase applicant to the month when the right to purchase the home is exercised, and The business profit rate and the like are calculated and stored in the database 16. Further, it is displayed on the display unit 19 or printed out on paper by the printer 20 as necessary.

  In FIG. 5, as described above, for example, when the right to purchase a home is exercised after five years, the cost of the land and building becomes business funds. Therefore, the land cost of 14 million yen, The following explanation will be given on the assumption that the building cost is 7.6 million yen, the cost is 800,000 yen, and the total cost is 22.4 million yen.

  For example, if you exercise your right to purchase a home after 5 years, your income will be 30,046,179 yen because it is rent income + transfer price, and your expenses will be 1,862,151 yen because it will be sales commission + property maintenance cost Thus, the total expenditure is 24,262,151 yen because it is expense + business cost.

  As a result, the business profit is (income) − (total expenditure) = 30,046,179-24,262,151 = 5,784,027 yen. The business profit rate is 24.85% from (profit) / (transfer price).

  Even if the right to purchase a home is exercised at any time other than five years, the asset management status is required in the same manner as described above. As is clear from the values shown in FIG. 5, the business profit and the business profit ratio increase as the period elapses from the conclusion of the housing rental contract with the housing purchase right.

On the other hand, in actual home sales, the actual actual amount is often significantly lower than the initial estimated amount of the home.
For example, as shown in FIG. 6, even if the initial sales price is 27 million yen and the ordinary profit is 3840 million yen, the actual actual amount is 25.5 million yen and the ordinary profit is 2.34 million yen for reasons such as responding to the discount request. In many cases, it becomes.

  Therefore, it can be understood that the asset management according to the present embodiment as described above has a great merit.

  Next, with reference to FIG. 7, processing when the purchase applicant applies for cancellation of the home purchase right after the lapse of a predetermined period from the conclusion of the home rental contract with the home purchase right will be described.

  In this case, the purchase applicant makes an application for cancellation to the seller, and the seller communicates the intention to accept to the purchase applicant. As a renter, the purchase applicant can continue to pay the monthly rent and can continue to live in the house as a renter.

  When canceling the housing rental contract itself, the deposit is returned to the purchase applicant as usual (however, the original restoration cost is deducted). On the other hand, when the home purchase right is exercised, the seller receives both the security deposit and the home purchase right money as the home purchase right exercise price.

  Next, another example of the rental and transfer plan will be described with reference to FIG. The example shown in FIG. 8 is a rental that shows the total monthly rent payment, transfer price, etc. for each year calculated for a house with a property price of 25.8 million yen under the conditions of 2.5% annual interest rate and 35 year equal payment. And a transfer plan.

  In the example shown in FIG. 8, as in the case shown in FIG. 4, the transfer price decreases as the period elapses, and 73% of the property price is reached at the maturity of 10 years. realizable.

Monthly rent based on the mortgage calculation rules based on the sales price of the housing provided, and monthly rent including taxes and other expenses, total rent paid according to the number of months paid, total rent paid A subtracted amount obtained by multiplying a predetermined ratio by the above, a transfer price obtained by subtracting the subtracted amount from the selling price of the house for a certain period (for example, 10 years), and creating these as a table-type rental and transfer plan; , The total rent paid for the monthly rent from the beginning based on the housing lease contract until the month in which the right to purchase the home was exercised, a subtracted amount obtained by multiplying the total paid rent by a predetermined ratio, and the subtracted amount from the selling price of the house. and a process of calculating the purchase price by subtracting in the structure where the computer-executable stored, probability processing sales main computer in residential rental and sales support system of this embodiment It is possible to perform in.
Further, by storing the housing rental and sales program in a storage medium such as a CD-ROM, it is possible to support the construction of the housing rental and sales support system of the present embodiment in computers of many home sales companies.

In addition, the above asset management program can be computer-executed to calculate income, expenses, business profit and business profit ratio from the first payment of monthly rent by the purchase applicant to the month in which the right to purchase homes was exercised. With the configuration stored in the above, it is possible to construct a housing leasing and sales support system that can easily grasp the asset management situation associated with leasing and transfer of housing by the seller. Further, by storing this asset management program in a storage medium such as a CD-ROM, it is possible to support the construction of the housing rental and sales support system of the present embodiment in computers of many home sales companies.

In the housing leasing and sales support system of this example, if we mention the risk that the property price will fluctuate over time, if the property price soars, the purchase price will be based on the original selling price. Since it is calculated, there is an advantage that the house can be obtained cheaply due to the rise.

  On the other hand, even if the seller is lower than the market price, the seller must transfer it to the purchaser at the initially set property price.

  On the other hand, if the property price falls, if the purchase applicant decides that the property must be purchased, if it is higher than the market price, the purchase applicant will suffer a loss. In such a case, as a normal rental contract, the operation that allows the waiver of the right to purchase a home shall be performed.

According to the housing rental and sales support system of the present embodiment described above, for example, 55% of the total monthly rent payment from the property price can be obtained by exercising the housing purchase right within a certain period for those who want to purchase a house. The transfer of the house can be received at a reduced transfer price, and the transfer price will decrease with the passage of time. The possibility of realizing a home purchase is expanded.

  Also, the right to purchase a home is not a compulsory right, but is a right with a canceling condition that can be canceled by the intention of the purchaser, so there is also an advantage that a more free choice of home purchase is possible.

  Furthermore, even if the contract is canceled for any reason, the right to purchase the house will be extinguished and the rent paid by the time of cancellation will not be returned, but there is an advantage that you can continue to live as a regular rental house after that. is there. Even after 10 years have passed since the conclusion of the housing rental contract, there is an advantage that it is possible to continue living as a normal rental housing.

  In addition, since the housing rental contract of this embodiment permits the purchase applicant to register the housing temporarily, the safeguarding measures against the risk of bankruptcy of the seller will be perfect.

On the other hand, for the seller, by executing the housing rental and sales support system of this embodiment, it is possible to perform asset management accompanying the rental and transfer of the housing at a high rate, and avoid a significant drop in the property price. There is an advantage that high profit can be expected.

Moreover, in the housing rental and sales support system of the present embodiment, by adopting a support system configuration in which an intermediary is interposed between the seller and the purchaser, both the seller and the purchaser actually sell the house. It is possible to provide a support system that is easy to use when making a purchase.

The housing rental and sales support system according to the embodiment of the present invention can improve a series of processing efficiency by performing a series of processes that can be executed using a computer under a network environment. Of course, it is also possible to apply information such as written information among sellers, purchase applicants, and brokers.

  The present invention can be widely applied to a case of operating a detached house, a residential or office apartment, and an office building that provides a certain space by renting or transferring.

It is a block diagram which shows the system configuration example of the housing rental and sales support system which concerns on the Example of this invention. It is a block diagram which shows the structural example of the seller computer which concerns on a present Example. It is explanatory drawing which shows the flow of a process of the housing rental and sales support system which concerns on a present Example. It is a figure which shows an example of the rental and transfer plan in the housing rental and sales support system concerning a present Example. It is a figure which shows the asset management condition in the housing rental and sales support system which concerns on a present Example. It is a figure which shows the comparison with the amount of assumptions of a house property, and a real performance amount. It is explanatory drawing which shows the flow of a process at the time of performing the cancellation conditions of the housing purchase right in the housing rental and sales support system which concern on a present Example. It is a figure which shows the other example of the rental and transfer plan in the housing rental and sales support system concerning a present Example.

DESCRIPTION OF SYMBOLS 1 Seller computer 2 Applicant terminal 3 Mediation computer 4 Network 5 Financial institution 11 Web server 12 Processing terminal 13 Interface 14 Control part 15 Program storage part 16 Database 17 Calculation means 18 Input part 19 Display part 20 Printer

Claims (3)

A seller computer on the seller side that sells the house, an applicant terminal on the purchase applicant side of the house, and an intermediary computer on the broker side that mediates the rental or sale of the house between the purchase applicant and the seller A financial institution connected to the communication network in the configuration of a communication network connecting the seller computer, the applicant terminal, and an intermediary computer, and online banking that manages the deposit accounts of the purchase applicant, the seller, and the broker , hints, using the desired user terminal of the housing of the purchaser, while having a conservation measure by the home purchase rights and provisional registration of the mortgage for the house purchase price procurement of the financial institutions that are connected to the communication network along with the assembled easily between, said that by the interaction with the sales main computer continue to live as rental housing by eliminating the home purchase rights is also possible, at all times for the residents a sense of security A housing rental and sales support system (s) to have, moreover, also for sale main, the sales main computer is easy to understand the operational status of the self assets of using, asset management associated with the rental and sale of housing Is a housing rental and sales support system that enables high profitability,
The system
Seekers terminal from the purchasers of the housing, in response to the purchase application that uses a communication network, the expenses of taxes and the monthly amount from the sale main computer mortgage calculation Terms based on the selling price of housing to be provided by the Calculate the monthly rent in consideration, the total rent paid according to the number of months of payment, the subtracted value obtained by multiplying the total paid rent by a specified percentage, and the transfer price obtained by subtracting the subtracted value from the selling price of the house for a certain period. the steps to be presented to the applicant terminal via the communication network from the sales main computer them as rental and transfer plan stores the purchase price to the database of the sales main computer,
Conservation measures for protecting the purchase applicant with the purchase right of the house based on the leasing and transfer plan and the conditions for releasing it based on the consent of the purchase requester's terminal. A process of concluding a housing rental agreement with provisional registration permission as between the seller computer and the applicant terminal ;
After the provision of the housing to the purchase applicant based on the housing lease contract and the payment of the monthly rent to the financial institution by the online banking method by the applicant terminal of the purchase applicant, the purchase applicant by the purchase applicant within a certain period of time If there is an exercise of the housing purchase rights of using the desired user terminal, in response to the exercise of the housing purchase rights, pay rent total amount of the sale main computer until the month in which there has been such exercise, subtracting the amount the steps of calculating a transfer price from the sales price of housing by subtracting the subtraction value, stores the purchase price in the database, presenting the purchase price to the desired terminal seekers terminal via a direct or mediated computer,
In order to transfer the house to the buyer, and the process in which the purchaser is using the desired user terminal the transfer price price, to sell mainly paid through the financial institutions,
In order to understand the asset management state of the sales main side, said the sale main computer, revenue from the first payment of a month rent by the purchaser until the month in which there is an exercise of housing purchase rights, spending, business interests and processes and for calculating the profit ratio, and stores them in the database, prints out on paper by the display or printer display unit of the sales main computer if necessary,
Run
The applicant terminal can grasp the asset management state of the seller side by communication with the seller computer even after the exercise of the house purchase right, and the period has elapsed since the conclusion of the housing lease contract with the house purchase right. The business profit and the business profit rate are configured to be higher, and the fixed period of the home purchase right is 10 years, and the home purchase right disappears after 10 years. The contract is characterized in that it is configured as a normal rental contract, and the cancellation condition is that the right to purchase the home is extinguished by the intention of the purchaser and the residential rental contract is changed to a normal rental contract. Housing rental and sales support system characterized by being configured to A seller computer on the seller side that sells the house, an applicant terminal on the purchase applicant side of the house, and an intermediary computer on the broker side that mediates the rental or sale of the house between the purchase applicant and the seller A financial institution connected to the communication network in the configuration of a communication network connecting the seller computer, the applicant terminal, and an intermediary computer, and online banking that manages the deposit accounts of the purchase applicant, the seller, and the broker , hints, using the desired user terminal of the housing of the purchaser, while having a conservation measure by the home purchase rights and provisional registration of the mortgage for the house purchase price procurement of the financial institutions that are connected to the communication network along with the assembled easily between, said that by the interaction with the sales main computer continue to live as rental housing by eliminating the home purchase rights is also possible, at all times for the residents a sense of security A housing rental and sales support system (s) to have, moreover, also for sale main, the sales main computer is easy to understand the operational status of the self assets of using, asset management associated with the rental and sale of housing Is a housing rental and sales support system that enables high profitability,
The system
Seekers terminal from the buyer of housing, intermediary computer, in response to the purchase application that uses a communication network, of taxes and the monthly amount by the mortgage calculation Terms based on the selling price of housing to be provided by the sale main computer Calculate monthly rents that include various expenses, total rent paid according to the number of months of payment, subtracted amount obtained by multiplying the total paid rent by a specified percentage, and transfer price obtained by subtracting the subtracted amount from the selling price of the house for a certain period a process, and present this transfer price to the intermediary computer from the sales main computer them as rental and transfer plan stores a database of sales seller computer, applicant terminal via the communication network,
Purchase in response to a consent that has passed through the intermediary computer from seekers who wish to terminal, the rent and with a certain period of time effective residential purchase rights and the release condition of the housing on the basis of the transfer plan, and, in order to protect the purchaser A process of concluding a housing rental contract with a provisional registration permission condition as a maintenance measure between the seller computer and the applicant terminal via the intermediary computer ;
Payment process of brokerage fee to the broker's account in the financial institution by online banking method of each of the seller computer and the applicant terminal ,
Payment process of deposit and housing purchase right to seller's account in the financial institution by online banking method of applicant terminal ,
Through the payment of monthly rent to financial institutions by the online banking system by the desired terminal of the housing of the offer and the purchaser to the housing rental contract to the buyer based, said by the buyer within a certain period of time If the home purchase right is exercised using the terminal of the applicant, the total amount of rent paid by the seller's computer up to the month of the exercise, subtraction amount, Calculating a transfer price obtained by subtracting the subtracted amount from the sales price of the house, storing the transfer price in a database, and presenting the transfer price to the applicant terminal via the intermediary computer ;
In order to transfer the house to the buyer, and the process in which the purchaser is using the desired user terminal the transfer price price, to sell mainly paid through the financial institutions,
Transfer process of the house to the broker's account in the financial institution by the online banking method of each of the seller computer and the applicant terminal , the payment process of the brokerage fee accompanying the transfer,
In order to understand the asset management state of the sales main side, said the sale main computer, revenue from the first payment of a month rent by the purchaser until the month in which there is an exercise of housing purchase rights, spending, business interests the steps to be printed on paper and by calculating business profit ratio, and stores them in the database, the display on the display unit of the sales main computer as needed or the printer,
Run
The applicant terminal can grasp the asset management state of the seller side by communication with the seller computer even after the exercise of the house purchase right, and the period has elapsed since the conclusion of the housing lease contract with the house purchase right. The business profit and the business profit rate are configured to be higher, and the fixed period of the home purchase right is 10 years, and the home purchase right disappears after 10 years. The contract is characterized in that it is configured as a normal rental contract, and the cancellation condition is that the right to purchase the home is extinguished by the intention of the purchaser and the residential rental contract is changed to a normal rental contract. Housing rental and sales support system characterized by being configured to A seller computer on the seller side that sells the house, an applicant terminal on the purchase applicant side of the house, and an intermediary computer on the broker side that mediates the rental or sale of the house between the purchase applicant and the seller A financial institution connected to the communication network in the configuration of a communication network connecting the seller computer, the applicant terminal, and an intermediary computer, and online banking that manages the deposit accounts of the purchase applicant, the seller, and the broker , hints, using the desired user terminal of the housing of the purchaser, while having a conservation measure by the home purchase rights and provisional registration of the mortgage for the house purchase price procurement of the financial institutions that are connected to the communication network along with the assembled easily between, said that by the interaction with the sales main computer continue to live as rental housing by eliminating the home purchase rights is also possible, at all times for the residents a sense of security A housing rental and sales support system (s) to have, moreover, also for sale main, the sales main computer is easy to understand the operational status of the self assets of using, asset management associated with the rental and sale of housing Is a housing rental and sales support system that enables high profitability,
The system
Seekers terminal from the buyer of housing, intermediary computer, in response to the purchase application that uses a communication network, to the selling price of housing to be provided by the computing means which is operated by equipped with residential rental and sales program to sell main computer Based on the monthly rent based on the mortgage calculation rules based on the monthly rent, including taxes and other expenses, the total rent paid according to the number of months paid, the subtracted amount obtained by multiplying the total paid rent by a specified percentage, and the sales price of the house Calculating the transfer price with the subtraction amount reduced for a certain period of time, and presenting these as a tabular rental and transfer plan from the seller computer to the client terminal via the intermediary computer, communication network ;
Purchase in response to a consent that has passed through the intermediary computer from seekers who wish to terminal, the rent and with a certain period of time effective residential purchase rights and the release condition of the housing on the basis of the transfer plan, and, in order to protect the purchaser A process of concluding a housing rental contract with a provisional registration permission condition as a maintenance measure between the seller computer and the applicant terminal via the intermediary computer ;
Payment process of brokerage fee to the broker's account in the financial institution by online banking method of each of the seller computer and the applicant terminal ,
Payment process of deposit and housing purchase right to seller's account in the financial institution by online banking method of applicant terminal ,
Through the payment of monthly rent to financial institutions by the online banking system by the desired terminal of the housing of the offer and the purchaser to the housing rental contract to the buyer based, said by the buyer within a certain period of time the when there is the exercise of the home purchase rights to use the desired user terminal, receiving the exercise of the home purchase rights, by calculating means which is operated by mounting the housing rental and sales programs sold main computer payment rent total amount of up to a month there is an exercise, subtract the amount, calculates the transfer price obtained by subtracting the subtraction amount from the sale price of housing, as well as stored in the database, the seekers terminal this transfer price through the intermediary computer The process of presenting to
In order to transfer the house to the buyer, and the process in which the purchaser is using the desired user terminal the transfer price price, to sell mainly paid through the financial institutions,
Transfer process of the house to the broker 's account in the financial institution by the online banking method of each of the seller computer and the applicant terminal , the payment process of the brokerage fee accompanying the transfer,
Said in order to grasp the asset management state of the sales main side, by the calculation means which is operated by asset management program, which was mounted on the sale main computer, the exercise of housing purchase rights from the first payment of a month rent by the purchaser Yes revenue up month of Tsu, spending process calculates the profit and business profit ratio, and stores them in the database, prints out on paper by the display or printer display unit of the sales main computer if necessary When,
Run
The applicant terminal can grasp the asset management state of the seller side by communication with the seller computer even after the exercise of the house purchase right, and the period has elapsed since the conclusion of the housing lease contract with the house purchase right. The business profit and the business profit rate are configured to be higher, and the fixed period of the home purchase right is 10 years, and the home purchase right disappears after 10 years. The contract is characterized in that it is configured as a normal rental contract, and the cancellation condition is that the right to purchase the home is extinguished by the intention of the purchaser and the residential rental contract is changed to a normal rental contract. Housing rental and sales support system characterized by being configured to

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