TWM631550U - System and device for assessing loanable amount based on similarity between location and subject - Google Patents

Abstract

A system and device for evaluating the loanable amount according to the similarity between the location and the target, which judges the area where the target is located through the real estate information input by the client, and based on the historical transaction similar to the real estate information in the area where the target is located within a certain period of time. Record the appraisal amount, and calculate the loanable amount based on the appraisal amount and the loan ratio of the area corresponding to the target area, so that the client can display the loanable amount and the monthly payment amount. Loanable amount, and achieve the technical effect of shortening the loan application process to provide customers with quick access to funds.

Description

System and device for assessing loanable amount based on the similarity between the location and the subject

A loan amount evaluation system and its device, especially a system and device for evaluating the loanable amount according to the similarity between the location and the target.

With the development of financial technology and the Internet, more and more services that used to be handled in person at the bank's counter are now being offered online, such as account opening.

However, some services may require manual intervention during the application process, and therefore cannot be completed through the Internet. For example, loan applications require manual review of the applicant's collateral to evaluate the applicant's loanable amount. Currently, there is no real-time review. Therefore, most of them only provide online loan application services at present, and they cannot inform the applicant of the loan application result immediately after applying for a loan. The applicant can only wait after applying for a loan. The time schedule and the loan amount are easy to cause trouble for applicants.

To sum up, it can be seen that there has been a long-standing problem in the prior art that the current online loan application service cannot instantly calculate the value of the collateral and the loanable amount of the applicant. Therefore, it is necessary to propose improved technical means to solve this problem.

In view of the problem in the prior art that the current online loan application service cannot immediately calculate the value of the collateral and the loanable amount of the applicant, this author discloses a system and device for evaluating the loanable amount according to the similarity between the location and the target, wherein:

The system for evaluating the loanable amount based on the similarity between the location and the target disclosed in this creation at least includes: a client and a server. The client is used to input real estate data in the loan trial calculation interface, and the real estate data includes the corresponding real estate target. A plurality of premises information, the premises information includes address information; the server terminal provides client connection, which further includes: a server communication module for receiving premises information; an appraisal module for judging the target according to the address information The area where the target is located, and the appraisal amount is evaluated according to the historical transaction records in the area where the target is located and the similarity with the real estate information is higher than a certain value within a certain period of time; the loan calculation module is used to obtain the area corresponding to the target area. Loan ratio, And it is used to calculate the loanable amount according to the appraisal amount and the regional loan ratio; the interest rate obtaining module is used to obtain the loan interest rate; wherein, the servo communication module is further used to transmit the loanable amount and the loan interest rate to the client, so that the client Displays the loanable amount and the monthly payment amount for different loan periods calculated based on the loan interest rate and loanable amount.

The device for evaluating the loanable amount according to the similarity between the location and the target disclosed in this creation at least includes: a servo communication module for receiving the real estate data input by the client, and the real estate data includes a plurality of corresponding real estate targets. Real estate information, the real estate information includes address information; the appraisal module is used to determine the area where the target is located based on the address information, and based on the historical transaction records in the area where the target is located with a similarity higher than a certain value to the real estate information Evaluate the appraisal amount; the loan calculation module is used to obtain the regional loan ratio corresponding to the target area, and to calculate the loanable amount according to the appraisal amount and the regional loan ratio; the interest rate obtaining module is used to obtain the loan interest rate; The servo communication module is further used to transmit the loanable amount and the loan interest rate to the client, so that the client can display the loanable amount and the monthly payment amount for different loan years calculated according to the loan interest rate and the loanable amount.

The system and device disclosed in this creation are as above, and the difference between the system and the prior art is that this creation determines the area where the target is located through the real estate information input by the client, and based on the similarity between the area where the target is located and the real estate information within a certain period of time The appraisal amount is evaluated for historical transaction records higher than a certain value, and the loanable amount is calculated according to the appraisal amount and the loan ratio of the area corresponding to the target area, so that the client can display the loanable amount and the monthly payment amount for different loan years. Solve the problems existing in the previous technology, and can achieve the technical effect of shortening the loan application process to provide customers with rapid access to funds.

The features and implementations of the present creation will be described in detail below in conjunction with the drawings and examples, and the content is sufficient to enable any person skilled in the relevant arts to easily and fully understand the technical means applied to solve the technical problems of the present creation and implement them accordingly, thereby achieving The effect that this creation can achieve.

This creation can automatically evaluate the appraisal value of the user's house or land, calculate the user's loanable amount accordingly, and display the monthly payment amount for different loan periods according to the user's loan interest rate and loanable amount.

The following first uses the "Figure 1" in this creation to evaluate the loanable amount based on the similarity between the area and the target. The schematic diagram of the components of the server side is used to illustrate the system of this creation. As shown in "Figure 1" and "Figure 2", the system of this creation includes a client 100 and a server 200. The client 100 and the server 200 can be connected through a wired or wireless network to communicate data or signal. The client 100 and the server 200 are usually computing devices, but the present invention is not limited to this.

The client 100 is responsible for providing a user interface for inputting real estate information and displaying loan information. Among them, the real estate information includes the real estate information corresponding to the real estate target. The real estate information includes but is not limited to the type of house, usage status, nearby facilities, address, floor and total number of floors, age of the house, the number of flats and usage. The number of square meters, whether it contains parking spaces, the transaction price, etc.; the loan information includes the loanable amount, loan interest rate, loanable period, etc. In some embodiments, the loan information may also include one or more loanable years corresponding to The monthly payment amount, but this creation is not limited to this.

In some embodiments, the client 100 may also include an input module 110 , a client communication module 120 , a display module 130 , and an additional computing module 150 .

The input module 110 is responsible for providing input of premises data in the data input interface displayed by the display module 130, and the input module 110 can also provide input of identification data. The identity information provided by the input module 110 includes but is not limited to the identity card number, mobile phone number, etc., but this creation is not limited to this. Identifiable Information. In some embodiments, the input module 110 can also obtain the device identification data of the client 100, and use the obtained device identification data as a part of the identification data, wherein the device identification data can be the data of the client 100. The network address used, the serial number or factory number (such as IMEI) of the client 100 itself, or the serial number of the specific hardware in the client 100, etc.

The input module 110 can also provide for selecting the loan term in the loan trial calculation interface displayed by the display module 130 to check the monthly payment amount.

The client communication module 120 is responsible for transmitting the real estate data provided by the input module 110 to the server 200 , and is responsible for receiving the loan information sent by the server 200 . In some embodiments, the client communication module 120 can also receive interface display data such as input interface display data and/or trial calculation interface display data sent by the server 200 .

The display module 130 is responsible for displaying a data input interface for providing input of premises information. The data input interface displayed by the display module 130 may be pre-stored in the client 100 or may be generated according to the input interface display data received by the client communication module 120 .

The display module 130 is also responsible for displaying the loan information received by the customer communication module 120 . In more detail, the display module 130 can display a loan trial calculation interface, and can display loan information such as loanable amount, loan interest rate, loanable period, etc. in the loan trial calculation interface. The display module 130 can also be based on the input module 110. The loan term shows the corresponding monthly payment amount. The loan trial calculation interface displayed by the display module 130 may be pre-stored in the client terminal 100 or may be generated according to the trial calculation interface display data received by the client communication module 120 .

When the loan message received by the customer communication module 120 does not include the monthly payment amount, the calculation module 150 can use the loanable amount, loan interest rate and preset loanable period in the loan message or input the input module 110 The loanable period is used to calculate the monthly payment amount for the display module 130 to display.

The server 200 is responsible for evaluating the corresponding appraisal amount according to the real estate data sent by the client 100 to generate loan information, wherein the server 200 may include a server communication module 210 and a processing module 220 .

The server communication module 210 is responsible for receiving the premises data sent by the client 100 , and can also receive the identity authentication data sent by the client 100 . In some embodiments, the servo communication module 210 can also transmit the notification message generated by the processing module 220 to the lender of the real estate target, wherein the servo communication module 210 can also add a loan trial calculation interface to the notification message first open the information, and then send the notification message to the lender.

The processing module 220 can execute one, more, one or more sets of computer instructions, and can generate the appraisal module 230, the loan calculation module 250, the interest rate obtaining module 260 and other modules after executing the computer instructions, and process the processing module 220. The module 220 can also generate an additional identity authentication module 240 , payment calculation module 270 , and appraisal statistics module 280 after executing the computer instructions.

The appraisal module 230 is responsible for judging the location of the target according to the address information contained in the premises data received by the server communication module 210 . The area of the subject mentioned in this creation includes the real estate subject, which can be the alley, street, block or neighborhood where the real estate subject is located, or an area within a certain distance from the real estate subject. This is limited. For example, the appraisal module 230 can determine the target area according to the road (street) name (and alley number) of the address information, or can obtain the latitude and longitude coordinates corresponding to the address information through the API of the electronic map service and then use the obtained The latitude and longitude coordinates of the target determine the area where the target is located, but the manner in which the appraisal module 230 determines the area where the target is located is not limited to the above.

The appraisal module 230 is also responsible for obtaining the historical transaction records within a certain period of time. The transaction objects in the acquired historical transaction records are located in the area of the target determined by the appraisal module 230 and communicated with the servo communication module 210 . The similarity of the received premises information is higher than a certain value. For example, the appraisal module 230 can obtain historical transaction records within a certain period of time (such as three years, etc.) and/or a certain number of transaction records in the area where the subject is located, and determine the real estate information and real estate of each transaction object in the historical transaction records. House type (including orientation, number of rooms, number of halls, number of bathrooms, etc.), usage conditions (including lighting, sound insulation, damage, etc.), nearby facilities (including whether there are favorite or disliked facilities, etc.) The location or distance of favorite facilities/dislike facilities, etc.), address, floor and total number of floors, age of the house, the number of square meters and the number of used squares, whether it contains elevators/parking spaces and other premises information similarity, for example, identification The price module 230 can count the same quantity of the real estate information of each transaction object and the real estate information contained in the real estate data and the percentage of the real estate information contained in the real estate data as the similarity (for example, When there are 20 items of real estate information, and there are 15 items of real estate information of the transaction object that are the same as the real estate information contained in the real estate information, the similarity between the transaction object and the real estate information is 75%), or the appraisal model The group 230 can also first segment the premises information, and then calculate the relevance of each premises information according to the number of words that have been segmented in the same or similar semantics, or can use the ratio as the relevancy, and calculate the relevance of each premises information based on the number of words that have been segmented. Relevance and the weight of each real estate information Calculate the weighted value based on the similarity between the transaction object and the real estate information. When the weighted value is higher than the threshold value, it is judged that the similarity is higher than a certain value (for example, the number of rooms, halls, bathrooms The weight of the premises information related to the actual living environment, such as number, floor, number of squares used, parking space, elevator, etc., expressed by numerical value or presence or absence, can be 3, and lighting, sound insulation, damage degree, etc. are expressed by description and actual The weight of premises information related to the living environment can be 2, and the weight of real estate information that has nothing to do with the actual living environment, such as the total number of floors, the number of flats, and the age of the house, can be 1. The number, floor, and elevator are all the same. After word segmentation, the correlations of lighting, sound insulation, and damage are 95%, 75%, and 70%, respectively, and the ratio of the total number of floors / the number of weights / the age of the house (correlation degree) are 0.9/1/0.88 respectively, then the weighted value will be 5*3+(95%+75%+70%)*2+(0.9+1+0.88)*1, that is, there are 5 weights of 3 The property information is the same or similar, with a weight of 2 and a relevancy of 95%, 75%, and 70%, and a weight of 1 with a relevancy of 90%, 100%, and 88%. ), but the manner in which the appraisal module 230 judges the similarity between the transaction object in the historical transaction record and the real estate target property information is not limited to the above.

The appraisal module 230 is also responsible for evaluating the appraisal amount according to the obtained historical transaction records. For example, the appraisal module 230 can calculate the appraisal amount according to the transaction price and the similarity of each transaction object in the historical transaction records. For example, when the similarity is 75%, the appraisal amount can be the transaction price/0.75, etc.; The price module 230 can also calculate the appraisal amount according to the sum of the weights of the same or similar real estate information in the real estate information of each transaction object and the real estate target and the transaction price. For example, when the total weight is 80%, the appraisal amount can be the transaction price. Price/0.8, etc., but the method for evaluating the appraisal amount by the appraisal module 230 is not limited to the above.

In some embodiments, the appraisal module 230 can also evaluate the appraisal amount with reference to external collateral appraisal data. Similar to historical transaction records, the collateral appraisal data can also record the real estate information and estimates of the assumed real estate. Amount, the appraisal module 230 can calculate the real estate information of each hypothetical real estate and the real estate contained in the real estate data in the area where the collateral is located in the appraisal data of the collateral in the manner of evaluating the appraisal amount according to the historical transaction records as described above. The sum of the similarity or weight of the message and the estimated amount calculate the appraisal amount.

The appraisal module 230 can also choose to increase the appraisal amount according to the distance from the favorite facility when there is a favorite facility in the nearby facility information included in the real estate data, such as an increase of 0-5%; When there are disliked facilities in the nearby facility information contained in the property information, you can choose to reduce the appraisal amount according to the distance from the disliked facility, such as a reduction of 0~5%. Among them, favorite facilities are facilities that are popular with the general public, such as swimming pools, gyms, etc., and dislike facilities are facilities that are not popular with ordinary people, such as incinerators, power plants, etc.

The identity authentication module 240 can verify the identity authentication data received by the server communication module 210, and can record the current time and the identity authentication data after the identity authentication data is verified. The identity authentication module 240 can send a verification code to the mobile phone number included in the identity authentication data through SMS, and compare the verification code received by the server communication module 210 with the sent verification code to verify the identity authentication data; identity authentication The module 240 can also connect to an external data host (not shown in the figure) to query the corresponding mobile phone number according to the identity card number contained in the identity authentication data, and then send a verification code to the queried mobile phone number through SMS for comparison. The received and transmitted verification codes are used to verify the identity authentication data, but the manner in which the identity authentication module 240 verifies the identity authentication data is not limited to the above.

The loan calculation module 250 is responsible for obtaining the regional loan ratio corresponding to the region where the target determined by the appraisal module 230 is located, and is responsible for calculating the available loan ratio according to the appraisal amount assessed by the appraisal module 230 and the obtained regional loan ratio. loan amount. Generally speaking, the regional lending ratio of each different region can be defined and recorded in advance, and the loan calculation module 250 can read the regional lending ratio corresponding to the target region from the pre-established lending file or lending data table.

The loan calculation module 250 may also adjust the obtained regional loan ratio according to the amount and/or the transaction trend of the historical transaction records in the target area within a predetermined time. In more detail, the loan calculation module 250 can set a plurality of threshold values, and increase or decrease the regional loan ratio according to the threshold value reached by the number of historical transaction records in the target area within a predetermined time. For example, the loan calculation module 250 can Set three quantity thresholds of 10, 25, and 50 and the corresponding adjustment values of 5%, 10%, and 15%. If the transaction objects in the target area within three years reach the set quantity threshold (10/25/50 ), the loan calculation module 250 can increase the corresponding adjustment value for the regional loan ratio, that is, increase the regional loan ratio by 5%/10%/15%. The loan calculation module 250 can reduce the regional loan ratio; the loan calculation module 250 can also set a plurality of trend thresholds, and count the number of historical transaction records of the target region at regular intervals in the past, and based on the statistics The growth rate of the quantity adjusts the regional lending ratio. For example, the loan calculation module 250 can set three trend thresholds of 2, 3, and 5 and the corresponding adjustment values of 5%, 10%, and 15%. When the target region is located within the past three years. When the number of transaction objects reaches 2/3/5 times the number of transaction objects in the past four to six years, the loan calculation module 250 can increase the corresponding adjustment value (5/10/15%) for the regional loan ratio.

In some embodiments, the loan calculation module 250 can also obtain the real estate target whose loan repayment amount reaches a certain percentage, and can calculate and generate the loanable balance according to the historical transaction records in the area where the target is located within a predetermined time. In more detail, the loan calculation module 250 can be connected to an external loan management system to inquire about the loan amount and the amount to be repaid of the real estate subject of all loans, and calculate the proportion of the amount to be repaid in the loan amount. When the ratio reaches a predetermined ratio value, the loan calculation module 250 can obtain the regional loan ratio corresponding to the target area in the aforementioned manner, calculate the loanable amount according to the loan amount and the regional loan ratio, and calculate the difference between the loanable amount and the amount to be repaid. value to produce a loanable balance.

The loan calculation module 250 can also generate a notification message including the calculated loanable balance, and transmit the generated notification message to the lender of the real estate subject whose loan repayment amount reaches a certain percentage through the server communication module 210 .

The interest rate obtaining module 260 is responsible for obtaining loan interest rates. Generally speaking, the interest rate obtaining module 260 can obtain the loan interest rate corresponding to the lender through an external risk management system.

In some embodiments, the interest rate obtaining module 260 can also connect to an external transaction management system through the servo communication module 210 to query the identity authentication data received by the servo communication module 210 for transactions with one or more specific stores Records, and can determine whether to reduce the loan interest rate obtained based on the transaction records inquired. For example, the interest rate obtaining module 260 can set a plurality of threshold values and corresponding preferential values, and can reduce the obtained loan interest rate by the corresponding preferential value according to the threshold value reached by the sum of the queried transaction records.

The payment calculation module 270 can calculate the monthly payment amount for different loan years according to the loanable amount or loanable balance calculated by the loan calculation module 250 and the loan interest rate obtained by the interest rate obtaining module 260 . In some embodiments, the payment calculation module 270 may pre-calculate the monthly payment amount for all loan terms that can be selected.

The appraisal statistics module 280 can generate a trial calculation report including the real estate data received by the servo communication module 210 and the loan interest rate obtained by the interest rate obtaining module 260, and can provide a trial calculation report for inspection.

The appraisal statistics module 280 can also fill in the real estate data in the generated trial calculation report into the appraisal delivery slip, so that the appraisal amount corresponding to the real estate data is generated.

The appraisal statistics module 280 can also count the difference between the loanable amount calculated by the loan calculation module 250 and the generated appraisal amount. For example, the appraisal statistics module 280 can count the difference between the loanable amount and the appraised amount every year/month, each region, etc., but this creation is not limited to this.

Next, an embodiment is used to explain the system operation of the present creation, and please refer to "Figure 3A" in the flow chart of evaluating the loanable amount based on the similarity between the location and the target proposed in the present creation. In this embodiment, it is assumed that the client 100 is a mobile phone, but the present invention is not limited to this.

When the user of the client terminal 100 browses the website of the bank, after connecting to the system applying the creation of the trial mortgage loan through the link in the webpage, the display module 130 of the client terminal 100 can display the input interface of the property information to provide input Premises data (step 310 ), the client communication module 120 of the client terminal 100 can transmit the input premise data to the server 200 . In this embodiment, it is assumed that the premises information includes the type of house, usage status, nearby facilities, address, floor and total floors, age of the house, the number of pings and the number of used pings, whether there is a parking space, and whether there is an elevator. , transaction price and other real estate information, the user of the client terminal 100 can input the real estate information on the client terminal 100 through the input interface.

In practice, in order to avoid abnormal or malicious use, after the client 100 is connected to the server 200 that executes the system in which the present creation is applied, before the display module 130 of the client 100 displays the input interface of the premises data, it can be as follows: In the process shown in "FIG. 3B", the display module 130 can first display the input interface of the identity authentication data, and the input module 110 of the client terminal 100 can provide the user to input the identity authentication data (step 321). The communication module 120 can transmit the inputted identity authentication data to the server communication module 210 of the server 200, and the identity authentication module 240 of the server 200 can verify the identity authentication data received by the server communication module 210 (step 323). ), if the identity authentication data passes the verification, the identity authentication module 240 records the identity authentication data (step 327) and the server communication module 210 can wait to receive the premises data sent by the client 100, and if the identity authentication data fails to pass the verification , the server 200 can refuse to serve the client 100, and the server communication module 210 of the server 200 can send a corresponding prompt message to the client 100, so that the display module 130 of the client 100 displays the prompt message.

Returning to “Figure 3A”, after the server communication module 210 of the server 200 receives the premises information sent by the client 100 , the appraisal module 230 can base on the premises information received by the server communication module 210 The address information in determines the region where the target is located (step 330 ). In this embodiment, it is assumed that the appraisal module 230 can take the road name (street name) in the address information as the target area, that is, the appraisal module 230 can ignore the lane number, and will Objects with the same road name or street name in the real estate subject are judged to be located in the area where the subject is located.

After the appraisal module 230 determines the area where the target is located, the appraisal module 230 can evaluate the appraisal amount according to the historical transaction records in the area where the target is located within a certain period of time whose similarity with the real estate data is higher than a certain value (step 340 ). . In this embodiment, it is assumed that the appraisal module 230 can retrieve the real estate data received by the server communication module 210 of the server 200 within one year to three years from the historical transaction records according to the number of transaction objects The real estate information of the transaction objects in the area where the corresponding real estate target is the same (for example, first take out the transaction objects within one year and determine the number of transaction objects, if the number does not reach the threshold, then take out the first to second year and judge the number of transaction objects within two years. If the number still does not reach the threshold value, then take out the transaction objects in the second to third years), or it can be determined from the pre-established collateral appraisal data. Take out the real estate information of the virtual real estate in the area where the target is located, and compare the extracted transaction objects with the real estate information of each virtual real estate and the real estate information received by the servo communication module 210 one by one. Real estate information, so as to judge the similarity of each transaction object/each virtual real estate and the real estate information according to whether the corresponding real estate information is the same or similar, and the similarity judged is higher than a certain value (such as 70% ) of the transaction price of the transaction object and the estimated value of the virtual real estate to evaluate the appraisal amount.

It should be noted that the appraisal module 230 is not necessarily generated by the server 200, but can also be provided by the appraisal host (not shown in the figure) connected to the server 200. The servo communication module 210 of the server 200 can be After receiving the premises information transmitted by the client 100, the received premises information is transmitted to the appraisal module 230 executed in the appraisal host, and can receive the appraisal returned by the appraisal module 230. price amount.

After the appraisal module 230 evaluates the appraisal amount, the loan calculation module 250 of the server end 200 can obtain the loan percentage in the region corresponding to the region where the target determined by the appraisal module 230 is located, and can determine the loan amount according to the appraisal amount. The loanable amount is calculated with the area loan ratio (step 350). In this embodiment, it is assumed that the loan calculation module 250 can read out the regional loan ratio corresponding to the target area from the pre-established correspondence table, and can calculate the product of the appraisal amount and the regional loan ratio to generate the loanable amount. In addition, the loan calculation module 250 may first judge the transaction popularity of the region where the object is located according to the historical transaction records in the region where the object is located and/or the transaction trend within a predetermined period of time, and then adjust the obtained regional loan ratio accordingly. , and then calculate the loanable amount.

After the loan calculation module 250 of the server 200 calculates the loanable amount, the interest rate obtaining module 260 of the server 200 can obtain the loan interest rate (step 360 ). In this embodiment, it is assumed that the interest rate obtaining module 260 can obtain the default loan interest rate, but in practice, the interest rate obtaining module 260 can obtain the external risk management system according to the identity authentication data received by the server communication module 210 The loan interest rate corresponding to the lender.

After the interest rate obtaining module 260 of the server 200 obtains the loan interest rate (step 360 ), the payment calculation module 270 of the server 200 can obtain the loanable amount and the interest rate calculated by the loan calculation module 250 of the server 200 The loan interest rate obtained by the module 260 can be used to calculate the monthly payment amount for different loan years. The server communication module 210 of the server 200 can obtain the loanable amount and the interest rate calculated by the loan calculation module 250 from the module 260. The obtained loan interest rate and the monthly payment amount for each loan term calculated by the payment calculation module 270 are transmitted to the client communication module 120 of the client terminal 100, so that the display module 130 of the client terminal 100 can display the loan trial calculation interface , and can display the loanable amount and the loan interest rate received by the customer communication module 120 in the displayed loan trial calculation interface, and can also provide the user of the client 100 to select the loan term, and can display the selected loan term and The corresponding monthly payment amount (step 380).

In practice, after the interest rate obtaining module 260 of the server 200 obtains the loan interest rate (step 360 ), the server communication module 210 of the server 200 can also directly obtain the loanable amount and the interest rate calculated by the loan calculation module 250 . The loan interest rate obtained by the module 260 is transmitted to the customer communication module 120 of the client terminal 100. The display module 130 of the client terminal 100 can display the loan trial calculation interface, and can display the customer communication module 120 in the displayed loan trial calculation interface. The received loanable amount and loan interest rate, and the user of the client 100 can be provided in the loan trial calculation interface to select the loan term. The calculation module 150 of the client 100 can calculate the loanable amount, the loan interest rate, and the loan term. The payment amount is displayed by the display module 130 (step 380).

In this way, through this creation, it is possible to automatically appraise the real estate target for the user.

In the above-mentioned embodiment, after the display module 130 of the client terminal 100 displays the loanable amount and the monthly payment amount (step 380 ), if the user of the client terminal 100 clicks the button or link of the online application in the loan trial calculation interface, the operation will be as follows: As shown in the flow of “FIG. 3C”, the appraisal statistics module 280 of the server 200 can generate an appraisal of the server 200 including the premises data and identity authentication data received by the server communication module 210 of the server 200 The appraisal amount estimated by the module 230 and the interest rate of the server 200 obtain a trial calculation report of the loan interest rate obtained by the module 260 (step 391 ), and the generated trial calculation report can be marked with "this item has been trial estimated" In addition, the appraisal statistics module 280 can also compare the real estate data, identity verification data, appraisal amount, loan interest rate, The application number is filled in the appraisal delivery slip to provide the appraisal staff for review, and the appraisal staff can give the appraisal amount after the review (step 395 ). The difference between the appraisal amount and the appraisal amount given by the appraiser's review (step 397).

In addition, in the above-mentioned embodiment, after the interest rate obtaining module 260 of the server 200 obtains the loan interest rate (step 360 ), the identity authentication data received by the server communication module 210 can also be queried as shown in the “3D figure” Transaction records at a specific store (step 371 ), and it can be determined whether to reduce the loan interest rate according to the inquired transaction records (step 375 ). In this embodiment, it is assumed that the interest rate obtaining module 260 can first inquire the credit card number of the lender according to the lender's ID card number or mobile phone number, and inquire the total consumption amount at the specific cooperative store according to the credit card number of the lender, and then According to the threshold value exceeded by the total consumption amount inquired, the range of loan interest rate reduction is selected.

In addition, this creation does not necessarily have to passively wait for the user to come to inquire about the loan information and submit a loan application, but can also actively notify the user to come to inquire about the loan information and submit a loan application, as shown in the process of "Figure 3E" As shown, the loan calculation module 250 of the server 200 can query the real estate objects whose loan repayment amount reaches a certain percentage (step 301), and can calculate the loanable balance of the real estate objects according to the historical transaction records within a predetermined time (step 303), for example The loan calculation module 250 can first determine the area where the subject of the real estate subject is queried, and calculate the loanable amount according to the historical transaction records in which the similarity between the subject area and the real estate information of the real estate subject is higher than a certain value within a predetermined period of time. , and then calculate the loanable balance based on the difference between the loanable amount and the amount to be repaid.

After the loan calculation module 250 of the server 200 calculates the loanable balance, a notification message including the loanable balance may be generated (step 305 ). The notification message is sent to the lender of the real estate object (step 307 ). For example, the server communication module 210 may send the notification message through SMS, email, push broadcast, or the like.

To sum up, it can be seen that the difference between the present creation and the prior art is that the location of the target is determined by the property information input by the client, and the similarity between the location of the target and the property information in a certain period of time is higher than a certain value. The historical transaction records to evaluate the appraisal amount, and calculate the loanable amount according to the appraisal amount and the loan ratio of the area corresponding to the target area, so that the client can display the loanable amount and the monthly payment amount for different loan years. This technical means can solve the problem that the online loan application service in the prior art cannot immediately calculate the collateral value and the loanable amount of the applicant, thereby achieving the technical effect of shortening the loan application process and providing customers with quick access to funds.

Furthermore, the system and device for evaluating the loanable amount based on the similarity between the region and the subject of this creation can be implemented in hardware or a combination of hardware and software, or in a computer system in a centralized manner or with different components. A decentralized implementation spread over several interconnected computer systems.

Although the embodiments disclosed in this creation are as above, the contents described are not used to directly limit the scope of patent protection of this creation. Any person with ordinary knowledge in the technical field to which this creation belongs, without departing from the spirit and scope disclosed in this creation, makes slight changes in the form and details of the implementation of this creation, all belong to the patent protection of this creation scope. The scope of patent protection for this creation is still subject to the scope of the appended patent application.

100: Client 110: Input module 120: Customer Communication Module 130: Display Module 150: Computing Module 200: Servo side 210: Servo communication module 220: Processing Modules 230: Appraisal Module 240: Identity Authentication Module 250: Loan Calculation Module 260: Interest rate acquisition module 270: Payment calculation module 280: Appraisal Statistics Module Step 301: The server inquires about the real estate target whose loan repayment amount reaches a certain percentage Step 303: The server calculates the loanable balance of the real estate target according to the historical transaction records of the area where the target is located within the predetermined time. Step 305: The server generates a notification message including the loanable balance Step 307: The server sends a notification message to the lender of the real estate target Step 310: The client inputs the premises information Step 321: The client inputs the identity authentication information Step 323: The server verifies based on the identity authentication data Step 327: The server records the identity authentication data after the identity authentication data is verified Step 330: The server determines the area where the target is located according to the address information in the property data Step 340: The server evaluates the appraisal amount according to the historical transaction records whose similarity with the real estate data is higher than a certain value in the area where the target is located within a certain period of time Step 350: The server obtains the regional loan ratio corresponding to the region where the target is located, and calculates the loanable amount according to the appraisal amount and the regional loan ratio Step 360: The server obtains the loan interest rate Step 371 : The server inquires the transaction records of the identity information in the specific store Step 375: The server determines whether to reduce the loan interest rate according to the transaction record Step 380: The client terminal displays the loanable amount, and displays the monthly payment amount calculated according to the loan interest rate and the loanable amount for different payment years Step 391: The server generates a trial calculation report including the real estate information and loan interest rate Step 395: The server fills the real estate data in the trial calculation report into the appraisal delivery slip, so that the appraisal amount corresponding to the real estate data is generated Step 397: The server calculates the difference between the appraisal amount and the appraisal amount

Figure 1 is a system architecture diagram for evaluating the loanable amount based on the similarity between the region and the subject proposed in the creation. Figure 2 is a schematic diagram of the components of the server that evaluates the loanable amount based on the similarity between the location and the target. Figure 3A is a flow chart for evaluating the loanable amount based on the similarity between the area and the subject proposed in the creation. Figure 3B is the flow chart of the verification of identity authentication information proposed by the author. Figure 3C is a flow chart of the difference between the statistical appraisal amount and the appraisal amount mentioned in the creation. Figure 3D is the flow chart of the loan interest rate reduction proposed by the author. Figure 3E is the flow chart for notifying the lender of the loanable balance proposed in the creation.

100: Client

200: Servo side

210: Servo communication module

220: Processing Modules

230: Appraisal Module

240: Identity Authentication Module

250: Loan Calculation Module

260: Interest rate acquisition module

270: Payment calculation module

280: Appraisal Statistics Module

Claims (6)

A system for evaluating the loanable amount according to the similarity between the location and the target, the system at least includes: a client for providing a loan trial calculation interface to input a real estate data, the real estate data includes as much as a real estate target. A real estate information, the real estate information includes an address information; and a server terminal, providing the client connection, which further includes: a server communication module for receiving the real estate information; an appraisal module, It is used for judging the area where an object is located according to the address information, and evaluating an appraisal amount according to the historical transaction records in the area where the object is located and the real estate information in a certain period of time whose similarity is higher than a certain value; a loan calculation module, It is used to obtain an area loan ratio corresponding to the area where the target is located, and to calculate a loanable amount according to the appraisal amount and the loan ratio of the region; and an interest rate acquisition module to obtain a loan interest rate; wherein, The server communication module is further configured to transmit the loanable amount and the loan interest rate to the client, so that the client can display the loanable amount and monthly payment for different loan years calculated according to the loan interest rate and the loanable amount amount. As claimed in claim 1, the system for evaluating loanable amount based on the similarity between the location and the target, wherein the server further comprises an appraisal statistics module for generating a trial calculation report including the real estate data and the loan interest rate And provide inspection of the trial calculation report, and fill in the real estate data in the trial calculation report into the appraisal delivery slip, so that an appraisal amount corresponding to the premises data is generated, and count the appraisal amount and the appraisal amount. Differences in Appraisal Amounts. The system for evaluating the loanable amount according to the similarity between the location and the target according to claim 1, wherein the loan calculation module is further used to inquire about the real estate target whose loan repayment amount reaches a certain proportion, and determine the location of the target according to the predetermined time. The historical transaction record accounting of the area generates the loanable balance, and generates a notification message including the loanable balance, and the server communication module is further used for transmitting the notification message to the lender of the real estate subject. The system for evaluating the loanable amount according to the similarity between the area and the target according to claim 1, wherein the loan calculation module is further used for the quantity and/or transaction within a predetermined period of time according to the historical transaction records in the area where the target is located The trend adjusts the loan-to-value ratio for the region. The system for evaluating the loanable amount according to the similarity between the location and the subject according to claim 1, wherein the client is further used to input an identity information, and the interest rate obtaining module is further used to query the identity information in at least one A transaction record of a specific store, and according to the transaction record, it is judged whether to reduce the loan interest rate. A device for evaluating the loanable amount according to the similarity between the location and the target, providing a client connection, the device at least comprising: a servo communication module for receiving a real estate data input by the client, the real estate data including A plurality of real estate information corresponding to a real estate target, the real estate information includes an address information; an appraisal module for judging the area where a target is located according to the address information, and according to the area where the target is located within a certain period of time. The historical transaction records whose similarity with the real estate information is higher than a certain value are used to evaluate an appraisal amount; a loan calculation module is used to obtain the loan ratio in an area corresponding to the area where the target is located, and to use it according to the appraisal A loanable amount is calculated based on the amount and the loan ratio in the area; and an interest rate obtaining module is used to obtain a loan interest rate; Wherein, the server communication module is further configured to transmit the loanable amount and the loan interest rate to the client, so that the client can display the loanable amount and the difference between the loan years calculated according to the loan interest rate and the loanable amount Monthly payment amount.

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