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、大量浪费法律时间和糟糕的用户体验。**概述**：尽管房地产市场对经济和社会都很重要，但买卖房屋的过程令人困惑、脱节，压力巨大。超过四分之一的房屋销售在报价被接受后失败。该市场的特点是不良做法，例如对多套房产进行观望或出价，使首次购房者(FTB)和缺乏经验的卖家面临更大的风险。这一至关重要的体系被最近的政府报告打破，报告得出结论，目前还没有解决方案。买房是大多数人一生中最重要的财务承诺。尽管有建房互助会的广告，但购房对买家和卖家来说都充满了风险。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，在报价被接受后，各方没有完成交易的法律承诺。由于各种原因，在英格兰和威尔士，从接受报价到完成报价的12-14周内，每年有超过40万笔交易失败，损失了10.8亿GB的沉没成本。买家和卖家平均每人损失2,727\.**创新**：AIMEE(AI中介增强引擎和财务补偿解决方案)是一个自学、自动化的调解和财务补偿解决方案，将减少交易失败并提高效率。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解决了不信任并提高了承诺。它通过以下方式做到这一点：1.要求买家和卖家支付承诺押金，成功完成交易后可退还押金。拥有一个简单有效的解决纠纷的系统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。如果交易失败，调解人将进行仲裁，在双方之间分配合并后的存款。目前，调解不是一个可行的选择，因为与争议的金额相比，调解的费用很高。通过创建人工智能调解服务，它提供了有效、高效和经济的数字服务，创造了一个新的市场，并提高了专业调解服务的意识。AIMEE将由HouSecure提供，这是一家Proptech初创企业，具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。然而，Aimee也适用于其他需要调解的市场。

**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.