AIMEE - A new digital property product supporting legal and mediation services with mutual commitment payments

**问题**：住宅物业交易失败率高，导致沉没成本，大量浪费法律时间，用户体验差。**概述**：尽管住房市场对经济和社会都很重要，但买卖房屋的过程是令人困惑的，脱节的，而且令人难以置信的压力。超过四分之一的房屋交易在报价被接受后以失败告终。市场已成为不良行为的特征，例如对多处房产进行投机和投机，使首次购房者和没有经验的卖家的机会增加。这一至关重要的体系已被打破，最近的政府报告得出结论，认为目前没有解决方案。买房是大多数人一生中最重要的财务承诺。尽管建房互助会在做广告，但买房对买家和卖家都充满了风险。这是由于一个奇怪的反常现象，与大多数“国内”或商业交易不同，在接受要约后，各方没有法律承诺要完成交易。由于各种原因，在英格兰和威尔士，每年有超过40万笔交易在报价接受和完成之间的12-14周内失败，损失了10.8亿英镑的沉没成本。买家和卖家平均每人将损失2727英镑。**创新**:AIMEE （AI调解增强引擎和财务补偿解决方案）是一个自我学习，自动化的调解和财务补偿解决方案，将减少交易失败，提高效率。该解决方案最初针对的是英格兰和威尔士的首次购房者。AIMEE解决了不信任，提高了承诺。它是这样做的：要求买卖双方交订金，订金在交易成功后可退还。有一个简单有效的系统来解决纠纷这种结合将减少交易失败的数量和随之而来的个人经济损失。在交易失败的情况下，调解员将进行仲裁，在双方之间分配合并存款。目前，调解不是一个可行的选择，因为与争议金额相比，调解费用很高。通过创建人工智能调解服务，它提供了一种有效、高效和经济的数字服务，创造了一个新的市场，提高了对专业调解服务的认识。AIMEE将由一家PropTech初创公司Housecure提供，该公司拥有确保项目成功所需的必要技能/经验，包括人工智能开发和调解/项目/财务/风险管理。我们最初的目标是房地产行业，尤其是首次购房者。但是，AIMEE也适用于需要调解的其他市场。

**PROBLEM**:High residential property transaction failure rates result in sunk costs, significant wasted legal time and poor user experiences.**OVERVIEW**:Despite the importance of the housing market to both the economy and society, the process of buying and selling a home is confusing, disjointed, and incredibly stressful. Over 1 in 4 house sales fall through after an offer has been accepted. The market has become characterised by bad practices, such as gazumping and gazundering or making offers on multiple properties, stacking the odds against first-time buyers (FTBs) and inexperienced sellers. This crucial system is broken with recent government reports concluding that there is no current solution.Buying a home is the most significant financial commitment most people make in their lifetimes. Notwithstanding adverts from building societies, house purchases are fraught with risk for both buyers and sellers. This is due to a curious anomaly in that, unlike most 'domestic' or commercial transactions, there is no legal commitment on parties to complete after an offer has been accepted. For various reasons over 400,000 transactions fail annually in England and Wales in the 12-14 weeks between offer acceptance and completion with £1.08billion sunk costs lost. On average buyers and sellers each personally stand to lose £2,727\.**INNOVATION**:AIMEE (AI Mediation Enhancing Engine and financial compensation solution) is a self-learning, automated mediation and financial compensation solution that will reduce transaction failures improving effectiveness. The solution is initially aimed at first-time home buyers in England and Wales.AIMEE solves distrust and improves commitment. It does this by:1. Requiring buyers and sellers to make commitment deposits which are refundable on successful completion2. Having a simple effective system to resolve disputesThis combination will reduce the number of transaction failures and consequent personal financial loss. In the event of a transaction failing a mediator will arbitrate to allocate the combined deposits between the parties.At present, mediation isn't a viable option due to high fees compared to the amounts disputed. By creating an AI mediation service it provides an effective, efficient and economical digital service creating a new market and increasing awareness of professional mediation services.AIMEE will be delivered by Housecure, a PropTech start-up with the requisite skills/experience needed to ensure the project is successful, including AI development and mediation/project/financial/risk management. We are initially targeting the property sector and, in particular, first-time buyers. However, AIMEE is also applicable to other markets where mediation is needed.