JP5037184B2 - Simulation system and method for supporting real estate leasing method by lump sum payment of long-term rent - Google Patents

Description

  The present invention relates to a simulation system and a method for supporting a real estate rental method by long-term rent lump sum payment.

  Generally, in real estate leasing such as rental apartments, rental apartments, rental offices, rental houses, etc., in the name of security deposits and security deposits, for example, three months in order to prepare for the appropriation of expenses for restoration of the original condition at the time of moving out or when the rent is not paid Tenants are often billed by the landlord for an amount equivalent to the rent for the minute. In addition, when summing 1 month's key money to the landlord and 1 month's previous rent, the applicant for occupancy needs to prepare a considerable amount of funds for rent, for example, 5 months.

  If a real estate leasing method that does not require such a large initial cost for real estate leasing can be realized, the real estate leasing market can be activated. The tenant can rent the desired property before preparing such initial expenses, while the lessor can prevent rent revenue loss due to the absence of new tenants.

  However, such a real estate rental system has a problem that the landlord loses the opportunity to obtain a collective amount of money for the rent, for example, which can be normally expected. In addition, there is a problem for landlords that they remain worried about the rent-paying ability of the resident and compensation when the resident damages the property.

  Therefore, long-term rent, for example two years of rent, is paid to the landlord at the time of occupancy, thereby relieving the landlord's anxiety and enabling real estate with lump-sum payment for long-term rent that enables new investment with the collected funds. I devised a rental method. Many residents who wish to use this method are students and other young people with poor self-financing, and it is difficult to prepare such long-term rent. Therefore, this method can be combined with a mechanism for receiving a loan from a financial institution.

  On the other hand, as a method for finding an occupancy, it is convenient if search and browsing by the Internet can be utilized. The Internet has anonymity characteristics. On the landlord's side, it is natural to have a tenant suitable for the rental property move in, and it often defines the desired conditions for the tenant. Also, it is convenient for those who wish to move in if it is possible to immediately know about the rental property that they are in compliance with such conditions.

  Those who want to move in have a psychology that they don't want to share their personal information with the landlord until they agree with the landlord. Therefore, in the process of browsing information on rental properties on the Internet one after another, it is possible to quickly search for rental properties if it is possible to know the determination result of whether or not to move in by providing minimum information.

  The present invention was made in order to solve the above-mentioned problems, and does not require a large initial cost for those who wish to move in, and makes long-term rent lump sum payment that enables new investment by obtaining a set of funds ahead of time for the landlord It is an object of the present invention to provide a simulation system and method for supporting a real estate leasing system based on the above.

  As shown in FIG. 1, the simulation system 100 that supports the real estate rental method based on the long-term rent lump sum payment according to the present invention stores the desired condition data relating to the resident of the landlord 111 for the rental property subject to the real-time leasing method based on the long-term rent lump sum payment. A desired condition data storage unit 101, a question generation unit 102 for generating a question for credit judgment in a real estate rental method based on a long-term rent lump sum payment based on the desired condition data stored in the desired condition data storage unit 101, An answer storage unit 103 that stores an answer from the applicant who wants to move into the question 112, an answer providing unit 104 that provides information stored in the answer storage unit 103 to the landlord 111, and information provided by the answer providing unit A determination result storage unit 105 for storing a determination result by the landlord 111 based thereon; The determination result storage unit 105 is provided with a determination result providing unit 106 that provides the determination result stored in the determination result storage unit 105 to the applicant 112.

  By adopting such a configuration, the landlord can quickly make a credit judgment for the tenant who wants to move in the real estate leasing method using long-term rent lump sum payment, which has many advantages for the tenant and the landlord. Residents can search for the optimal rental property while reducing the time required for credit determination. Both tenants and landlords can enter into lease agreements early.

  In addition, the question generated by the question generating means can be generated so that the applicant can move in while keeping its anonymity, thereby avoiding disclosure of personal information to the landlord who does not reach the contract. . Thereby, the psychological resistance with respect to a resident's credit determination is reduced, and a quick credit determination becomes possible.

  Furthermore, the security of the simulation system can be improved by restricting access by third parties to the information stored in the answer storage unit.

According to the simulation system for supporting the real estate rental method by long-term rent lump-sum payment according to the present invention, the desired condition data regarding the landlord's resident is received for the rental property subject to the real-time leasing method by long-term rent lump-sum payment and stored in the storage device Based on the desired condition data stored in the storage device, generating a question about the occupant, sending it to the computer terminal of the entrant, receiving the answer from the entrant, A step of storing in the storage device, a step of permitting access to the occupant information on the rented property stored in the storage device to the occupant information on the rented property by the landlord, and the landlord based on this information The step of receiving the credit judgment result by, and the credit judgment result To allow fastening early lease has to have and providing the user of the computer terminal.

In other words, with the above-described configuration, it is possible to realize a simulation that supports a real estate rental method by long-term rent payment using a communication means such as a computer and the Internet, and the landlord quickly determines the credit of the applicant. It becomes possible. Residents can search for the optimal rental property while reducing the time required for credit determination. Both tenants and landlords can enter into lease agreements early.

  ADVANTAGE OF THE INVENTION According to this invention, the simulation system which supports the real estate rental system by the long-term rent lump sum payment in which the landlord can perform the credit judgment of the tenant of residence quickly can be provided.

FIG. 2 shows a first example of a real estate rental method by long-term rent lump sum payment to which a simulation system according to an embodiment of the present invention is applied.
In FIG. 2, the resident concludes a lease contract with the landlord using the lump sum payment method. In this example, the rent per month is 100,000 yen and the lease is for a period of 2 years. The tenant borrows a rent of 2.4 million yen (100,000 yen x 24 months) for two years from a bank, Pay 2.4 million yen to the landlord at once. The landlord will get the long-term rent by this lump sum payment ahead of schedule.

  Residents do not need initial expenses for initial occupancy, and in the long term, they can move in with a rent of 2.4 million yen for two years and a bank interest rate only, making rentals cheaper You can borrow. For landlords, you can get interest-free and cohesive investment funds that you can use for investment and eliminate the risk of delinquencies. Therefore, it is possible to deposit four months of rent (400,000 yen) in a bank as a long-term discount and transfer this 400,000 yen to the bank account of the tenant when moving out.

Specifically, the following costs are incurred for tenants.
A) In case of self-payment lump sum payment (If there is self-finance, there is no need to borrow from a bank)
Monthly repayment amount: 0 yen Total payment amount: 2,400,000 yen You can receive a deposit with a long-term discount of 400,000 yen when you move out.
I borrowed 2 million yen for 2 years,
Monthly rent conversion 83,333 yen

A) Loan use Discount receipt type When borrowing 2.4 million yen at an interest rate of 3% and repaying in 2 years (24 months) Monthly repayment amount 103,154 yen Total payment amount 2,475,696 yen Long-term discount on leaving You can receive a deposit of 400,000 yen.
We borrowed two years for 2,075,696 yen and are 324,304 yen,
Monthly rent conversion 86,487 yen

A) Loan use Discount payment repayment type: 2.4 million yen borrowed at an interest rate of 3% per year and repayment in 30 months Long-term discount of 400,000 yen will be applied to repayment after payment for 24 months Monthly repayment amount 87,500 Yen Total payment 2,100,000 yen Monthly rent conversion 87,500 yen

  In this way, according to the real estate leasing method with long-term rent lump sum payment, the resident is not required to pay initial expenses other than rent, and as a result, it is possible to move in with less expense, and long-term rent cannot be prepared as own funds In some cases, it is possible to move in with a small burden by receiving a loan from a bank.

  Although FIG. 2 has been described on the assumption that there has been no withdrawal during two years, FIG. 3 shows a first example of a real estate leasing method based on long-term rent lump sum payment when there is a withdrawal. In FIG. 3, the resident concludes a rental contract with the landlord using the long-term rent lump sum payment method. In this example, as in the example of FIG. 2, the rent per month is 100,000 yen and the lease contract is for 2 years. Month)) and pay the 2.4 million yen to the landlord at the time of moving in. The landlord gets the long-term rent by this lump sum payment ahead of schedule. If you move out six months after moving in, the following costs will be incurred for the resident.

A) In case of self-payment lump sum payment (If there is self-finance, there is no need to borrow from a bank)
Payment at the time of move-in 2,400,000 yen Rent until moving out 600,000 yen Receive a deposit with a long-term discount of 400,000 yen to be received when moving out.
Refund the remaining 1.4 million yen from the landlord.
Total refund amount 1,800,000 yen

A) Loan use When accepting discounted money, borrowing 2.4 million yen at an interest rate of 3% and paying back in 2 years (24 months)
Total amount of payment until leaving 618,924 yen Receive a deposit of long-term discount of 400,000 yen scheduled to be received when moving out.
Refund the remaining 1.4 million yen from the landlord.
Total repayment amount 1,800,000 yen Repayment balance 1,856,772 yen Difference 56,772 yen

A) Loan use Discount payment repayment type: 2.4 million yen borrowed at an interest rate of 3% per year and repayment in 30 months Long-term discount of 400,000 yen will be used for repayment after payment for 24 months 525,000 yen We will refund the remaining 1.4 million yen from the landlord.
Total refund amount 1,400,000 yen Repayment balance 1,575,000 yen Difference 175,000 yen

FIG. 4 is a diagram for explaining the flow of the real estate leasing method using long-term rent lump sum payment, taking the above loan use as an example.
In FIG. 4, a landlord or a real estate agent recruits residents for a certain rental property. When recruiting, the case of normal rent and the case of lump sum rent will be indicated. Those who wish to move in choose a payment method. When the tenant wishes to make a lump sum payment, the landlord or real estate agent examines whether the tenant applicant satisfies the predetermined tenant conditions. When the examination is passed, the result is notified to the applicant, and the applicant applies to the bank for borrowing necessary funds.

  When the bank loan review is passed, the guarantee company reviews the bank, and when the guarantee company review passes, a loan agreement is concluded between the applicant and the bank. In addition, a lease contract is concluded for the rental property between the applicant and the landlord. As a result, long-term rent is paid from the bank to the landlord. Residents make monthly repayments to the bank.

  Next, the configuration of a simulation system that supports the real estate rental method by long-term rent lump sum payment according to an embodiment of the present invention will be described with reference to FIG. In FIG. 5, a simulation system 500 can be realized by a host computer 501 configured by a computer server or the like. The host computer 501 includes an arithmetic device 510, a storage device 520, and a communication device 530. The storage device 520 includes a credit judgment database 521.

  The credit determination database 521 has a desired condition data storage unit 522 that stores desired condition data of the landlord regarding the rental property. The landlord can access the host computer 501 via the Internet 550 using the landlord's computer terminal 540, and write information on the rental property and the desired condition data in the desired condition data storage unit 522. It is also possible to write such information and data from the computer terminal of the real estate agent.

  The tenant wishes to access the host computer 501 via the communication device 530 and the Internet 550 at the computer terminal 560 of the tenant, search for the desired rental property, and browse the information. Rental property information can also be provided from real estate agent websites, rental property information provider websites, and the like.

  As the landlord's computer terminal 540 and the tenant's computer terminal 560, a computer having an Internet connection function, such as a personal computer, a portable information terminal, or a mobile phone, can be used.

  If a rental property of interest is found, the property is subjected to a credit check to see if it matches the landlord's desired conditions. In general, until it is understood that the property can be rented, the psychology of not wanting to disclose one's own personal information works so that the credit judgment can be received anonymously.

  In order to prompt the landlord to input information for credit determination, a question regarding the occupant is generated by the question generation means 511 based on the data stored in the desired condition data storage unit 522 and is stored in the computer terminal 560 of the occupant. The screen prompting the user to input an answer is displayed on the display. Questions regarding tenants include those regarding the age, occupation, annual income, family structure, guarantor, etc. of tenants.

  When the resident applicant inputs an answer, the resident applicant information is stored in the answer storage unit 523 in the credit judgment database. With regard to information on one occupant for one rental property, the ID / password generation unit 512 of the host computer issues an occupant ID and occupant password and sends them to the computer terminal 560 of the occupant. Will notify the applicant. In this way, the information on the applicant for occupancy is protected by a password from unauthorized access by a third party. The tenant can use the tenant ID and tenant password to modify or delete the information once entered.

  On the other hand, if there is information input from the applicant for occupancy in the rental property, the ID / password generation unit 512 issues a landlord password for the occupant information and sends it to the landlord's computer terminal 540 by means such as e-mail. The landlord is notified. The landlord accesses the answer storage unit 523 using the notified landlord password, and sees information on the applicants for the rental property provided by the landlord. Based on this information, it is determined whether it is possible to respond to the desire to move in, and a determination result is sent from the landlord's computer terminal 540 to the host computer 501.

  This determination result is stored in the determination result storage unit 524 in the database 521. The occupant wishes to use the occupant ID and password to access the determination result storage unit 524 from the computer terminal 560 of the occupant, and browses the determination result. It is also possible to register the resident's e-mail address in advance and receive the determination result by e-mail in response to the determination result input by the landlord.

  In this way, the applicant for occupancy can know whether or not the rental property can be entered. When receiving the determination result that it is possible to move in, the move-in applicant advances the procedure according to the flow shown in FIG. 4 for concluding a lease contract with the landlord.

The simulation system shown in FIG. 5 can be realized by a computer program stored in the arithmetic device 510 of the host computer 501 and the storage device 520 thereof. Next, steps in the case of executing this simulation system (hereinafter, these steps will be collectively referred to as a simulation method ) will be described with reference to the flowchart of FIG.

  The simulation method starts at step 600 in FIG. In step 601, the host computer 501 establishes a communication link with the computer terminal 560 of the applicant for occupancy by accessing the computer terminal 560 of the applicant for occupancy. As a result, the tenant wishes to access the host computer 501 via the Internet 550 at the computer terminal 560 of the tenant, and searches and browses the desired rental property.

  If the tenant wishes to receive a credit judgment from the landlord for the rental property he is interested in, the host computer 501 receives a credit judgment application command from the computer terminal 560 of the tenant at step 602. Next, in step 603, the question generation means 511 generates a question regarding the applicant for occupancy based on the data stored in the desired condition data storage unit 522, and sends it to the computer terminal 560 of the applicant for occupancy. This question is displayed on the display of the computer terminal 560 of the applicant, and the applicant inputs an answer.

  In step 604, the host computer 501 receives an answer from the applicant for occupancy and stores it in the answer storage unit 523. When the necessary information is stored, in step 605, the host computer 501 generates a tenant ID and a tenant password and sends them to the computer terminal 560 of the tenant.

  In step 606, the host computer 501 generates a landlord password and sends it to the landlord's computer terminal 540. This can be done by notifying that the information input from the tenant has been inputted by e-mail and notifying the landlord password.

  In step 607, the host computer 501 permits the owner to access the tenant information for the rental property stored in the answer storage unit 523 for the rental property by the landlord in response to the input of the landlord password. Based on this information, the landlord determines whether he / she can respond to the move-in request. In step 608, the host computer 501 receives the determination result from the landlord's computer terminal 540 and stores it in the determination result storage unit 524.

  In step 609, the determination result is displayed on the display of the computer terminal 560 of the occupant in response to the determination result browsing request accompanied by the ID and password input from the computer terminal of the occupant.

  In this way, the applicant for occupancy can know whether or not the rental property can be entered. When receiving the determination result that it is possible to move in, the move-in applicant advances the procedure according to the flow shown in FIG. 4 for concluding a lease contract with the landlord.

It is a figure which shows the structure of the simulation system which supports the real estate rental system by long-term rent lump sum payment of this invention. It is a figure which shows the 1st example of the real estate rental system by the long-term rent lump sum payment to which the simulation system by one Embodiment of this invention is applied. It is a figure which shows the 2nd example of the real estate rental system by long-term rent lump sum payment to which the simulation system by one Embodiment of this invention is applied. It is a figure explaining the flow about the real estate rental system by long-term rent lump sum payment to which the simulation system by one embodiment of the present invention is applied, using loan as an example. It is a figure which shows the structure of the simulation system which supports the real estate rental system by long-term rent lump sum payment by one Embodiment of this invention. It is a flowchart which shows the simulation method which supports the real estate rental system by long-term rent lump sum payment by one Embodiment of this invention.

Explanation of symbols

DESCRIPTION OF SYMBOLS 100 Simulation system 101 Desired condition data memory | storage part 102 Question production | generation means 103 Answer memory | storage part 104 Answer provision means 105 Judgment result memory | storage part 106 Judgment result provision means 111 Landlord 112 Desire tenant 500 Simulation system 501 Host computer 510 Arithmetic apparatus 511 Question generation means 512 ID / password generation unit 520 storage device 521 trust determination database 522 desired condition data storage unit 523 answer storage unit 524 determination result storage unit 530 communication device 540 landlord computer end 550 Internet

Claims (2)

A desired condition data storage unit for storing desired condition data relating to a landlord's occupant for a rental property subject to the real estate leasing method by long-term rent lump sum payment;
Based on the desired condition data stored in the desired condition data storage unit, a question generating means for generating a question for credit judgment in the real estate rental method by long-term rent lump sum payment;
An answer storage unit for storing answers from applicants to this question;
Answer providing means for providing the landlord with the information stored in the answer storage unit;
A determination result storage unit that stores a determination result by the landlord based on the information provided by the answer providing unit;
Possess a determination result providing means for providing a determination result stored in said determination result storage unit to prospective tenants,
The question generated by the question generating means is generated so that the applicant can move in while maintaining its anonymity.
This is a simulation system that supports the real estate rental system with long-term rent payment. Simulation system for supporting the leasing scheme of long-term rent lump sum of claim 1 Symbol mounting, characterized in that it comprises means for limiting the access by third parties to the stored in the answer storage unit information.

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