| 摘要 |
The present invention relates to a housing financial system with a concept of a residential right and an operating method thereof, and more specifically, to a housing financial system and an operating method thereof, capable of allowing a large scale housing business to indirectly own a house and give a right to reside in the house and a right to buy the house at an initial distribution price, namely a residential right to citizens instead of allowing an individual to own the house, thereby allowing anyone to reside in an own house if a prescribed ratio of a house price is paid. According to an embodiment of the present invention, the housing financial system with a concept of a residential right comprises: a recipient terminal to pay a first prescribed ratio of the house price to receive the residential right, to request a surety for a house to buy the residential right from a surety institution server, and to receive a loan for a second prescribed ratio of the house price from a financial institution server to pay a security deposit to a large scale housing business server; a large scale housing business terminal to distribute the residential right to the recipient terminal which pays the first prescribed ratio of the house price, and to receive a loan for a third prescribed ratio of the house price from the surety institution server using a plurality of houses to be owned as collateral; the surety institution server to issue a security deposit return warranty by a house surety request of the recipient terminal to supply the security deposit return warranty to the financial institution server; and the financial institution server to deposit the second prescribed ratio of the house price into a recipient account to loan the security deposit based on the security deposit return warranty issued by the surety institution server. |
