KR102711280B1 - Sever for managing housing securities and system including the same - Google Patents

Abstract

The present invention relates to a housing securities operation server, comprising: a securities issuance unit that divides shares in rental housing into shares in national financial funds and shares in general investor funds, and issues first housing securities for the shares related to the national financial funds and second housing securities for the shares related to the general investor funds; a rent calculation unit that calculates a first rental amount by applying a first interest rate to the national financial funds during a rental obligation period, and calculates a second rental amount by applying a second interest rate to one of the values of the general investor funds and the second housing securities; and a housing securities management unit that issues a preferential purchase right for the first housing securities when the rental obligation period expires and calculates a price required for exercising the preferential purchase right; wherein the first interest rate and the second interest rate are set below a preset standard, and the first interest rate is set to be lower than the second interest rate, and the housing securities management unit can calculate the price required for exercising the preferential purchase right using the national financial funds.

Description

{SEVER FOR MANAGING HOUSING SECURITIES AND SYSTEM INCLUDING THE SAME}

The present invention relates to a housing securities operation server and a system including the same.

In general, rental housing refers to ‘housing in which the owner of the house provides part or all of the house he or she owns to the tenant in return for a certain economic benefit’, and among these, public rental housing refers to housing supplied by the state or other entities for the purpose of rental or conversion to sale after rental.

The income distribution index, which has been worsening since 1990, showed some signs of improvement in early 2010, but has been worsening again since 2015. A distribution structure that is biased to one side causes rifts throughout society, leading to distrust, dissatisfaction, loss of trust, and class conflict, hindering social integration and economic growth. Income inequality goes beyond income and affects inequality in various sectors such as housing, education, health, and jobs, causing multidimensional inequality and gaps, and housing inequality can also lead to income inequality.

In this regard, public rental housing plays a role in absorbing social anxiety caused by excessive volatility in the housing market. Unlike cash benefits such as housing benefits, which also increase financial burden as market rents rise, public rental housing with regulated rents serves as a kind of social safety net and a safe housing zone that is not affected by market volatility.

Although public rental housing is recognized to some extent as a social asset and a social safety net, there is also widespread negative perception that it is a social debt and a social concern, subject to separation and exclusion. Therefore, efforts are needed to address this and increase the positive role that public rental housing plays in society.

The purpose of the present invention is to provide a housing securities operation server and a system including the same, which allows ownership of a rental house to be held in the form of securities by issuing housing securities for the rental house, so that changes in rights such as sale do not affect the housing stability of the tenant.

In addition, another purpose of the present invention is to provide a housing securities operation server and a system including the same that can activate investment in rental housing by facilitating the trading of housing securities by dividing the housing securities.

In addition, another purpose of the present invention is to provide a housing securities operation server and a system including the same, which enable a tenant residing in a rental house during a rental obligation period to increase the stability of his/her residential life by paying rent with a low interest rate applied, and enable an investor in the rental house to obtain the rent paid by the tenant as a profit on the investment.

In addition, another purpose of the present invention is to provide a housing securities operation server and a system including the same, which can provide an opportunity for housing acquisition to tenants by granting them a preferential right to purchase first housing securities for national financial fund-related shares when the rental obligation period of public rental housing expires and reflecting the initial price determined when the rental housing is supplied when the preferential right is exercised.

A housing securities operation server according to an embodiment of the present invention comprises: a securities issuing unit that divides shares in rental housing into shares in national financial funds and shares in general investor funds, and issues first housing securities for the shares related to the national financial funds and second housing securities for the shares related to the general investor funds; a rent calculation unit that calculates a first rental amount by applying a first interest rate to the national financial funds during a rental obligation period, and calculates a second rental amount by applying a second interest rate to one of the values of the general investor funds and the second housing securities; and a housing securities management unit that issues a preferential purchase right for the first housing securities when the rental obligation period expires and calculates a price required for exercising the preferential purchase right; wherein the first interest rate and the second interest rate are set below a preset standard, and the first interest rate is set to be lower than the second interest rate, and the housing securities management unit can calculate the price required for exercising the preferential purchase right using the national financial funds.

In addition, the housing securities management department calculates the amount required to exercise the preferential purchase right by adding a reserved rent to the national financial funds, and the reserved rent is the sum of interest for lending the same funds as the national financial funds at a third interest rate during the lease obligation period, and the difference between the preset standard and the first interest rate can be set as the third interest rate.

In addition, the housing securities management department calculates the amount required to exercise the preferential purchase right by adding a reserved rent to the national financial funds, and the reserved rent may be the sum of interest on a loan of funds equal to the difference between the national financial funds and the value of the first housing securities at the time of issuance of the preferential purchase right during the rental obligation period at a third interest rate.

In addition, the housing securities management department may create an electronic housing securities transaction contract when a transaction is made regarding the first housing securities or the second housing securities.

In addition, it may further include a rental housing value calculation unit that calculates the value of the rental housing at preset intervals.

According to the present invention, by issuing housing securities for rental housing, ownership of the rental housing can be held in the form of securities, so that changes in rights such as sale do not affect the residential stability of the tenant.

In addition, according to the present invention, by dividing housing securities, it is possible to facilitate the trading of housing securities, thereby activating investment in rental housing.

In addition, according to the present invention, a tenant living in a rental house during the rental obligation period can increase the stability of his/her residential life by paying rent with a low interest rate, and an investor in the rental house can obtain the rent paid by the tenant as profit on the investment.

In addition, according to the present invention, when the rental obligation period of public rental housing expires, the tenant is granted a preferential right to purchase first housing securities for a share of national financial funds, and when the preferential right is exercised, the initial price determined when the rental housing is supplied is reflected, thereby providing the tenant with an opportunity to purchase a house.

Figure 1 is a drawing showing a housing securities operation system according to an embodiment of the present invention.
FIG. 2 is a drawing showing more specifically the configuration of a housing securities operation server according to an embodiment of the present invention.
FIG. 3 is a drawing showing a computing device according to an embodiment of the present invention.

Hereinafter, embodiments related to the present invention will be illustrated in the drawings and described in detail. However, the present invention is not limited to the embodiments disclosed below, but may be implemented in various different forms, and it should be understood that all modifications, equivalents, or substitutes included in the spirit and technical scope of the present invention are included.

In describing components of the present invention, terms such as first, second, A, B, (a), (b), etc. may be used. These terms are only intended to distinguish the components from other components, and the nature, order, or sequence of the components are not limited by the terms. In addition, in this specification, when it is described that a component is "connected," "coupled," or "connected" to another component, it should be understood that the component may be directly connected or connected to the other component, but another component may also be "connected," "coupled," or "connected" between each component. In the case of "connected," "coupled," or "connected," it can be understood that not only are physically "connected," "coupled," or "connected," but also electrically "connected," "coupled," or "connected" as necessary.

The terms "unit", "machine", "substance", "module", etc. described in this specification mean a unit that processes at least one function or operation, and this can be implemented by hardware, software, or a combination of hardware and software. In addition, the terms "include", "configure", or "have" described in this specification mean that the corresponding component can be included unless specifically stated otherwise, and therefore should be interpreted to mean that other components can be included rather than excluding other components.

And it is to be clarified that the division of components in this specification is only a division by the main function of each component. In other words, two or more components described below may be combined into one component, or one component may be divided into two or more by more detailed functions. In addition, each component described below may additionally perform some or all of the functions of other components in addition to its own main function, and it goes without saying that some of the main functions of each component may be exclusively performed by other components.

Hereinafter, with reference to drawings related to embodiments of the present invention, a housing securities operation server according to an embodiment of the present invention and a system including the same will be described.

Figure 1 is a drawing showing a housing securities operation system according to an embodiment of the present invention.

A housing securities operation system (1) according to an embodiment of the present invention may include a communication network (10), a housing securities operation server (20), and a user terminal device (30).

First, the communication network (10) may be a high-speed backbone network of a large-scale communication network capable of data transmission and reception services, and may be a next-generation wireless network including Wi-Fi, WiGig, Wibro (Wireless Broadband Internet), Wimax (World Interoperability for Microwave Access), etc. to provide the Internet or high-speed multimedia services.

The above Internet may refer to a worldwide open computer network structure that provides various services existing in the TCP/IP protocol and its upper layer, such as HTTP (Hyper Text Transfer Protocol), Telnet, FTP (File Transfer Protocol), DNS (Domain Name System), SMTP (Simple Mail Transfer Protocol), SNMP (Simple Network Management Protocol), NFS (Network File Service), NIS (Network Information Service), etc., and may provide an environment that allows a user terminal device (30) to be connected to a housing securities operation server (20).

Meanwhile, the Internet may be a wired or wireless Internet, or may be a core network integrated with a wired public network, a wireless mobile communication network, or a portable Internet.

If the communication network (10) is a mobile communication network, it may be a synchronous mobile communication network or an asynchronous mobile communication network. As an example of the asynchronous mobile communication network, a WCDMA (Wideband Code Division Multiple Access) type communication network can be mentioned. In this case, although not shown in the drawing, the mobile communication network may include, for example, an RNC (Radio Network Controller). Meanwhile, although the WCDMA network is mentioned as an example, it may be a next-generation communication network such as a 3G LTE network, a 4G network, a 5G network, or another IP network based on IP. However, the communication network (10) is not limited to the above-described one, and any latest data communication network may be applied.

The housing securities operation server (20) issues housing securities for rental housing to be sold and performs the function of operating or managing the issued housing securities. To this end, the housing securities operation server (20) can generate information necessary for users (e.g., tenants of rental housing, owners of housing securities, etc.) to use the housing securities operation service and transmit it to a user terminal device (30).

The user terminal device (30) is connected to the housing securities operation server (20) via the communication network (10), and is a digital device having a function for communicating after accessing the housing securities operation server (20) and a display function for outputting images or text, and may include, but is not limited to, a desktop computer, a laptop computer, a tablet PC (personal computer), a wireless phone, a mobile phone, a smart phone, a smart watch, smart glasses, a wearable device, etc., and any digital device equipped with a memory means, a microprocessor, and a computing capability may be adopted as the user terminal device (30) according to the present invention.

To this end, the user terminal device (30) may include a browser-related program or application that allows a user interface (UI) to be provided from the housing securities operation server (20).

Users using the user terminal device (30) may include tenants of rental housing, owners of housing securities, sellers and buyers of housing securities, etc.

Tenants can check information about rental housing, information about rent, and information about housing securities (e.g., the owner of the housing securities, the value of the housing securities, etc.) through the user terminal device (30), and owners of housing securities can check information about rent, information about housing securities, and information about rental housing, etc. through the user terminal device (30).

FIG. 2 is a drawing showing more specifically the configuration of a housing securities operation server according to an embodiment of the present invention.

Referring to FIGS. 1 and 2, the housing securities operation server (20) may include a securities issuance unit (210), a data collection unit (220), a rent calculation unit (230), a housing securities management unit (240), a rental housing value calculation unit (250), a database (270), a communication unit (280), and a control unit (290).

The securities issuance department (210) can divide shares in rental housing and issue housing securities for the shares, and the housing securities can be issued in a registered or bearer form.

Here, rental housing refers to public rental housing converted to sale, and can mean public rental housing supplied for the purpose of conversion to sale after a preset rental obligation period (e.g., 10 years), and the rental housing may have been built with support from national financial funds and funds from general investors.

Accordingly, the shares in rental housing are divided into shares in national financial funds and shares in funds of general investors, and the securities issuance department (210) can issue first housing securities for shares related to national financial funds and second housing securities for shares related to funds of general investors. That is, the housing securities issued by the securities issuance department (210) can include first housing securities and second housing securities, and if there are multiple general investors, there can also be multiple second housing securities issued.

The following is an example of a case where the initial price set for a rental house is 500 million won when supplying rental housing, 300 million won of the initial price set for the rental house is national financial funds invested by the government, and 200 million won is general investor funds invested by general investors. In this case, the initial price set for the rental house may have been set by the construction company or construction project operator of the rental house.

In this case, since the share of national financial funds for rental housing is 60% and the share of general investor funds is 40%, the first housing security issued by the securities issuance department (210) can have a value equivalent to 60% of the rental housing price, and the second housing security issued by the securities issuance department (210) can have a value equivalent to 40% of the rental housing price.

For example, if the value of a rental home increases from its initial price of 500 million won to 1 billion won, the value of the first housing security may increase from 300 million won to 600 million won, and the value of the second housing security may increase from 200 million won to 400 million won.

Meanwhile, according to an embodiment of the present invention, national financial funds may be supported by at least one of inheritance tax and gift tax collected by the state, and in the case of the housing securities operation system of the present invention, it becomes easier for the non-homeowners to purchase houses, which increases inheritance tax or gift tax on houses in the future, and by investing the increased inheritance tax or gift tax due to the housing securities operation system of the present invention back into providing rental housing, a virtuous cycle structure can be formed.

Next, the data collection unit (220) can collect all data necessary for the housing securities operation server (20) to issue housing securities for rental housing and provide a service for operating or managing the issued housing securities.

The data collected by the data collection unit (220) may include information on rental housing, information on tenants, information on general investors, information on rent, information on the mandatory rental period, information on the value (or price) of rental housing, information on housing securities, information on interest rates applied to calculating rent, etc.

The rent calculation unit (230) can perform the function of calculating the rent to be paid by a tenant residing in a rental house, where the tenant may be a tenant residing in the rental house during the rental obligation period.

The rent may include a first rent and a second rent, the first rent being for the lessee to pay to the state, and the second rent being for the lessee to pay to the general investor in the rental housing. That is, the state and the general investor may receive interest on the investment in the construction of the rental housing from the lessee as the first rent and the second rent, respectively.

The rent calculation unit (230) may apply the first interest rate when calculating the first rent and may apply the second interest rate when calculating the second rent, and the first interest rate and the second interest rate may be set to be below a preset standard. Here, the preset standard may be set to be below a base rate set by a country that provides a housing securities operation service according to an embodiment of the present invention. For example, if the housing securities operation service according to an embodiment of the present invention is provided in Korea, the first interest rate and the second interest rate may be set to be below a base rate set by the Bank of Korea.

However, the present invention is not limited thereto, and the established criteria for determining the upper limits of the first interest rate and the second interest rate may be changed in various ways, such as a loan interest rate set by a bank, an average of loan interest rates set by multiple banks, etc., rather than a base interest rate set by the relevant country.

Meanwhile, according to one embodiment of the present invention, the first interest rate may be set lower than the second interest rate, for example, when the second interest rate is set equal to the base interest rate, the first interest rate may be set lower than the base interest rate, and the first rental fee and the second rental fee may be maintained at the same amount without change until the lease obligation period expires.

That is, the rent calculation unit (230) can calculate the first rent by applying the first interest rate to national financial funds, and can calculate the second rent by applying the second interest rate to either general investor funds or the value of the second housing securities.

According to one embodiment of the present invention, the rental fee calculation unit (230) can calculate the first rental fee by referring to the national financial funds supported for rental housing and the first interest rate, and can calculate the second rental fee by referring to the general investor funds supported for rental housing and the second interest rate.

For example, if the national financial funds supported for rental housing are 300 million won and the first interest rate is set at 1%, the annual rent that the tenant must pay is 3 million won, which is 1% of 300 million won, so the first rent that the tenant must pay every month can be calculated as 250,000 won, which is 1/12 of 3 million won. In other words, since the tenant pays the interest on the national financial funds as the first rent during the rental obligation period, it can have the effect of temporarily reducing the rent by paying the first rent with a first interest rate that is lower than the general loan interest rate.

In addition, if the general investor funds supported for rental housing are 200 million won and the second interest rate is set at 2%, the annual rent that the tenant must pay is 4 million won, which is 2% of 200 million won, so the second rent that the tenant must pay every month can be calculated to be approximately 330,000 won, which is 1/12 of 4 million won.

Meanwhile, according to another embodiment of the present invention, the first rental fee remains the same amount until the expiration of the rental obligation period, but the second rental fee can change in response to a change in the value of the rental house, and the value of the rental house recalculated at each preset cycle can be applied when calculating the second rental fee.

More specifically, the rental calculation unit (230) can calculate the second rental by reflecting the change in the value of the rental house, that is, the value of the second housing security, and the value of the second interest rate applied to the calculation of the second rental may be the same. In this case, information on the value of the rental house can be provided from the rental house value calculation unit (250) described later, and the rental calculation unit (230) can receive information on the value of the rental house at preset intervals and apply it to the calculation of the second rental house.

For example, the rental calculation unit (230) may apply general investor funds and the second interest rate when calculating the second rental amount for one year after the start of the rental obligation period, and may apply the changed price of the rental house and the second interest rate when calculating the second rental amount for one year thereafter.

In other words, general investors can receive second rents reflecting the value of second housing securities as a return on their investment during the rental obligation period of the rental housing; however, considering the purpose of supplying rental housing, the first rent for the share related to national financial funds can remain the same during the rental obligation period.

The rent calculation unit (230) can provide information on rent to the user terminal device (30), for example, information on the first interest rate and the second interest rate, the amount of each of the first rent and the second rent, the payment deadline, and whether the first rent and the second rent have been paid in full.

The rent calculation unit (230) can calculate the first rent and the second rent even after the lease obligation period ends. For example, if the lessee does not exercise the preemptive right to purchase the first housing security described below when the lease obligation period ends, the lessee must continue to pay the first rent, so the first rent can be calculated by the rent calculation unit (230). At this time, if the ownership of the first housing security is with the state, national financial funds are applied to the calculation of the first rent, but if the first housing security is purchased by a general investor, the value of the first housing security can be reflected in the calculation of the first rent.

In addition, the rental fee calculation unit (230) may reflect the value of the second housing security when calculating the second rental fee after the end of the rental obligation period.

Next, the housing securities management department (240) can issue a preferential purchase right for the first housing securities and provide it to the tenant when the rental obligation period ends.

When a tenant who has been issued a preferential purchase right from a user terminal device (30) exercises the preferential purchase right, the owner of the first housing security may change from the state to the tenant, and the housing security management department (240) may calculate the amount to be paid by the tenant when exercising the preferential purchase right.

The amount that the lessee must pay when exercising the right of first refusal is the purchase price for the first housing security, which may be the amount of national treasury funds plus the withheld rent.

According to one embodiment of the present invention, the withholding rent is calculated by applying a third interest rate to national treasury funds, and may be the sum of the rent reduced by the lessee during the lease obligation period, that is, may mean the sum of interest for the lessee borrowing the same amount of money as national treasury funds at a third interest rate during the lease obligation period. Here, the third interest rate may be the difference between a preset standard and the first interest rate.

For example, if the national financial funds supported for rental housing are 300 million won and the third interest rate is set at 1%, the annual rent that the tenant should have paid is 3 million won, which is 1% of 300 million won, so the withheld rent incurred over the 10-year rental obligation period is 30 million won, and the 330 million won, which is the national financial funds of 300 million won plus the withheld rent of 30 million won, is calculated as the sales price for the first housing securities.

In addition, according to another embodiment of the present invention, the withholding rent may mean the sum of interest on a loan of funds equal to the difference between the national treasury funds and the value of the first housing security at the time of issuance of the preferential purchase right during the lease obligation period at a third interest rate.

In addition to the functions described above, the housing securities management unit (240) may also perform the function of generating an electronic housing securities transaction contract and providing it to the user terminal devices (30) of the seller and the buyer when a transaction is made for the first housing securities or the second housing securities, and receiving a signed electronic housing securities transaction contract from the user terminal devices (30) of the seller and the buyer so that a transaction contract can be concluded.

Meanwhile, in another embodiment of the present invention, when the housing securities management department (240) calculates the amount to be paid by the lessee when exercising the preemptive right of purchase, the third interest rate applied may be set differently depending on the assets held by the lessee, and the more assets held by the lessee, the higher the third interest rate may be set. For example, if the assets held by the lessee are equal to a preset standard, the difference between the second interest rate and the first interest rate may be set as the third interest rate, if the assets held by the lessee are lower than the preset standard, a value smaller than the difference between the second interest rate and the first interest rate may be set as the third interest rate, and if the assets held by the lessee are higher than the preset standard, a value larger than the difference between the second interest rate and the first interest rate may be set as the third interest rate.

The housing securities management department (240) can receive information on the tenant's assets from the data collection department (220), and the tenant's assets can include real estate and personal property owned by the tenant, as well as the tenant's average monthly income.

To this end, the data collection unit (220) collects information or words that can estimate the assets owned by the tenant from photos or texts posted on the social media of the tenant account, and can learn the collected information or words based on artificial intelligence. The information or words that can be collected from the social media of the tenant account may include automobiles, the tenant's consumption patterns, etc.

The rental housing value calculation unit (250) can perform a function of calculating the value (or price) of the rental housing at preset intervals. The value of the rental housing calculated by the rental housing value calculation unit (250) can be used when buying or selling a first housing security or a second housing security, when calculating a second rental fee according to another embodiment of the present invention, etc.

The preset cycle here can be changed to various settings such as 1 day, 1 week, 1 month, 1 quarter, 1 year, etc.

Next, the database (270) can store and manage all information generated from the securities issuance department (210), information collected from the data collection department (220), information generated from the rent calculation department (230), information generated from the housing securities management department (240), and information generated from the rental housing value calculation department (250).

Although the database (270) is illustrated as being configured to be included in the housing securities operation server (20) in FIG. 2, the database (270) may be configured separately from the housing securities operation server (20) depending on the needs of those skilled in the art implementing the present invention. In addition, the database (270) may be configured to be separated into a plurality of parts depending on the needs of those skilled in the art implementing the present invention.

Meanwhile, the database (270) in the present invention is a concept including a computer-readable recording medium, and may be a database in the narrow sense as well as a database in the broad sense including data records based on a file system, and even a simple collection of logs can be a database (270) in the present invention if it is possible to search and extract data from it.

The database (270) can use blockchain to prevent forgery or tampering of data related to housing securities.

Next, the communication unit (280) can perform a function of enabling data transmission and reception from/to the securities issuance unit (210), data collection unit (220), rent calculation unit (230), housing securities management unit (240), rental housing value calculation unit (250), database (270), and control unit (290), or communication between the housing securities operation server (20) and the user terminal device (30).

Finally, the control unit (290) can perform a function of controlling the flow of data among the securities issuance unit (210), the data collection unit (220), the rent calculation unit (230), the housing securities management unit (240), the rental housing value calculation unit (250), the database (270), and the communication unit (280). That is, the control unit (290) according to the present invention can control the flow of data from/to the outside of the housing securities operation server (20) or the flow of data between each component of the server (20), thereby controlling the securities issuance unit (210), the data collection unit (220), the rent calculation unit (230), the housing securities management unit (240), the rental housing value calculation unit (250), the database (270), and the communication unit (280) to perform their respective unique functions.

FIG. 3 is a drawing showing a computing device according to an embodiment of the present invention. The computing device (TN100) of FIG. 3 may be a device described in this specification (e.g., a housing securities operation server (20), a user terminal device (30), etc.).

In the embodiment of FIG. 3, the computing device (TN100) may include at least one processor (TN110), a transceiver (TN120), and a memory (TN130). In addition, the computing device (TN100) may further include a storage device (TN140), an input interface device (TN150), an output interface device (TN160), etc. The components included in the computing device (TN100) may be connected by a bus (TN170) to communicate with each other.

The processor (TN110) can execute a program command stored in at least one of the memory (TN130) and the storage device (TN140). The processor (TN110) may mean a central processing unit (CPU), a graphics processing unit (GPU), or a dedicated processor on which methods according to embodiments of the present invention are performed. The processor (TN110) may be configured to implement procedures, functions, methods, etc. described in relation to embodiments of the present invention. The processor (TN110) may control each component of the computing device (TN100).

Each of the memory (TN130) and the storage device (TN140) can store various information related to the operation of the processor (TN110). Each of the memory (TN130) and the storage device (TN140) can be configured with at least one of a volatile storage medium and a nonvolatile storage medium. For example, the memory (TN130) can be configured with at least one of a read-only memory (ROM) and a random access memory (RAM).

The transceiver (TN120) can transmit or receive wired or wireless signals. The transceiver (TN120) can be connected to a network and perform communications.

Those skilled in the art will appreciate that the present invention can be implemented in other specific forms without changing its technical idea or essential characteristics. Therefore, it should be understood that the embodiments described above are exemplary in all respects and not restrictive. The scope of the present invention is indicated by the scope of the claims described below rather than the detailed description above, and all changes or modifications derived from the meaning and scope of the claims and their equivalent concepts should be interpreted as being included in the scope of the present invention.

1: Housing Securities Management System
10: Communication network
20: Housing Securities Operation Server
30: User terminal device
210: Securities Issuance Department
220: Data Collection Department
230: Rent Calculation Section
240: Housing Securities Management Department
250: Rental Housing Value Calculation Section
270: Database
280: Communications Department
290: Control Unit

Claims (5)

A securities issuance department that divides shares in rental housing into shares related to national treasury funds and shares related to general investor funds, and issues first housing securities related to the shares related to said national treasury funds and second housing securities related to the shares related to said general investor funds;
During the rental obligation period, a rental calculation unit that calculates a first rental amount by applying a first interest rate to the national financial funds and calculates a second rental amount by applying a second interest rate to either the general investor funds or the value of the second housing securities; and
Including a housing securities management department that issues a preferential purchase right for the first housing securities when the above lease obligation period expires and calculates the amount required to exercise the preferential purchase right;
The above first interest rate and the above second interest rate are set below the preset standard, and the above first interest rate is set lower than the above second interest rate.
The above housing securities management department is a housing securities operation server that calculates the amount required to exercise the above preferential purchase right using the above national financial funds. In the first paragraph,
The above housing securities management department,
The amount required to exercise the above preferential right is calculated by adding the reserved rent to the above national financial funds.
The above-mentioned pending rent is the sum of interest on the loan of funds equal to the above-mentioned national treasury funds at a third interest rate during the above-mentioned lease obligation period.
A housing securities operation server, characterized in that the difference between the above-mentioned preset standard and the above-mentioned first interest rate is set as the above-mentioned third interest rate. In the first paragraph,
The above housing securities management department,
The amount required to exercise the above preferential right is calculated by adding the reserved rent to the above national financial funds.
A housing securities operation server characterized in that the above-mentioned reserved rent is the sum of interest on a loan of funds equal to the difference between the national financial funds and the value of the first housing securities at the time of issuance of the preferential purchase right during the above-mentioned rental obligation period at a third interest rate. In the first paragraph,
The above housing securities management department,
A housing securities operation server that generates an electronic housing securities transaction contract when a transaction is made regarding the above first housing securities or the above second housing securities. In the first paragraph,
A housing securities operation server further comprising a rental housing value calculation unit that calculates the value of the rental housing at preset intervals.

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