JP2006099591A - System for providing residential mortgage securitization information - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide a system for providing residential mortgage securitization information and a method for providing residential mortgage securitization information that can provide securitization information reflecting a proper value of long life houses by considering the building design and building performance of the houses. <P>SOLUTION: About a specific mortgage loan, after an information connection means 25 associates building design/building performance information about a house stored in a building design/building performance information DB 3a, land information about the house stored in a land information DB 21a and debtor information stored in a debtor information DB 22a, according to the information, an arithmetic means 26 computes whether or not the specific mortgage loan is included in a specific mortgage pool of securitized mortgage loans. The building design/building performance information, land information and debtor information about houses mortgaged respectively for the plurality of mortgage loans included in the same specific mortgage pool are output as securitization information. <P>COPYRIGHT: (C)2006,JPO&NCIPI

Description

  The present invention relates to a system and method for providing securitization information when securitizing mortgage loans.

  Recently, new mortgage loans that incorporate securitization techniques in housing finance have attracted attention. As for the mortgage securitization mechanism, firstly, lending institutions such as private banks and mortgage banks lend mortgages to end users, and when the total loan amount reaches a certain level, In general, this is securitized in the form of trust beneficiary rights or RMBS (Residential Mortgage Backed Securities) based on the “pool”, and investors purchase the securities.

  Loan financial institutions are able to lend mortgage loans even if they do not have a sufficient amount of funds, since the loan resources are recovered by securitizing the mortgage loans and selling them to investors. In addition, it is possible to prevent the funding interest rate of the loan source from being reversed from the loan interest rate due to a future rise in interest rates.

  As a mortgage securitization-related technology, a technique for performing a mortgage application to an examination result report using a computer system has been proposed (see, for example, Patent Documents 1 and 2).

JP 2003-223559 A JP 2004-054769 A

  However, in the above-mentioned conventional example, the value of mortgage loans is evaluated only by the land information and debtor information of the housing owned by the mortgage company (originator; the person who originated (created) the asset, “underlying creditor”). For example, a specific pool of mortgage loans that are securitized (a bundle of multiple mortgage loans in a group) is taken into account in a specific area (for example, a postal code of a residential location) in consideration of natural disasters such as earthquakes. Mortgage receivables related to houses built with the last four digits identified by the same number, etc., must be dispersed to avoid agglomeration risk, and the value of mortgage receivables will depend on the building design and performance of the house. Because it is evaluated, it has been evaluated as a mortgage receivable that does not reflect the original value of a house with a long service life in recent years. It had also become a cause for the lower.

  The present invention solves the above-mentioned problems, and its purpose is to provide securitization information that reflects the original value of a long-lived house by considering the building design and performance of the house. It is intended to provide a securitization information provision system for mortgage claims and a method for providing securitization information for mortgage claims.

  A first configuration of a mortgage loan securitization information providing system according to the present invention for achieving the above object is a system for providing securitization information when securitizing a mortgage loan, Building design / building performance information storage means for storing building design / building performance information of a house for which a mortgage is set, and land information storage means for storing land information of a house for which the specific mortgage is set, Debtor information storage means for storing debtor information in which the specific mortgage is set; and the building design / building performance information of the house stored in the building design / building performance information storage means for the specific mortgage; The information combining means for associating the land information of the house stored in the land information storage means with the debtor information stored in the debtor information storage means, and the information combining means Calculation to calculate whether or not to include a specific mortgage in a specific pool of mortgages to be securitized based on the attached land information, debtor information and building design / building performance information Securitization of building design / building performance information, land information and debtor information for each mortgage of a plurality of mortgages that are calculated by the calculation means and included in a specific bond pool. Output means for outputting as information.

  The second configuration of the mortgage loan securitization information providing system according to the present invention is characterized in that, in the first configuration, the building design / building performance information of the house includes earthquake-resistant performance information of the building. And

  The third configuration of the mortgage loan securitization information providing system according to the present invention is characterized in that, in the second configuration, the seismic performance information of the building includes the horizontal holding strength information of the building. .

  In addition, the fourth configuration of the mortgage loan securitization information providing system according to the present invention is the first configuration in which the building design / building performance information of the housing is provided by a home maker. Land information storage means provided in a second data server provided in a mortgage company, wherein the land information and the debtor information stored in the building design / building performance information storage means provided in the server are stored. And the debtor information storage means, wherein the first and second data servers are connected by a dedicated line, and transmitted from the first and second data servers via the dedicated line. House building design / building performance information stored in the design / building performance information storage means, house land information stored in the land information storage means, and stored in the debtor information storage means A debtor information, characterized in that associated with respect to a particular mortgage by the information combining means.

  Further, the fifth configuration of the mortgage loan securitization information providing system according to the present invention is the building configuration / building performance information of the housing in which the specific mortgage is set or the specific housing in the first configuration. Item-specific border marks that allow at least part of the land information of a house with a loan or debtor information with a specific mortgage to be written in letters and symbols, and four corners of the sheet Mortgage loan provided with sheet position confirmation marks provided at the three corners, and data conversion execution marks provided at the remaining corners for converting the read image image data as frame line data or text character / symbol data Pre-examination application sheet and the mortgage pre-examination application sheet with characters / symbols in the frame mark provided on the mortgage pre-examination application sheet Position correction means for identifying the sheet position confirmation mark when the image image data is received by facsimile, and correcting the position of the received frame line mark and image / image data of characters / symbols in the frame line mark; Identifying the data conversion execution mark when receiving image image data of the mortgage pre-examination application sheet in which characters / symbols are written in a frame mark provided on the mortgage pre-examination application sheet, A frame mark, and data conversion means for converting image image data of characters / symbols in the frame mark into frame line data and text character / symbol data, position correction by the position correction means, and data conversion by the data conversion means The converted frame data and text character / symbol data are displayed by item and the text in the frame data is displayed. And having a data correction unit modifiable character or symbol data.

  According to a sixth configuration of the mortgage loan securitization information providing system according to the present invention, in the fifth configuration, a cursor is pointed to an item displayed by the data correction unit, and the cursor position is linked to the cursor position. Then, the highlighted frame line in which the frame line data corresponding to the item where the cursor is positioned in the image image data received by facsimile is highlighted, and the image image data of characters / symbols in the highlighted frame line are displayed in a list. It is characterized by that.

  Further, a seventh configuration of the mortgage loan securitization information providing system according to the present invention is the image of characters / symbols in the highlighted frame line in the vicinity of the highlighted frame line in the sixth configuration. The text character / symbol data obtained by converting the data by the data conversion means is highlighted.

  In addition, according to an eighth configuration of the mortgage loan securitization information providing system according to the present invention, in the first configuration, the calculation means includes initial repayment ratio information, initial collateral ratio information, quake-resistant earthquake-grade information, Based on at least one of territorial strength information, per-house fire-resistant grade information, per-house wind-resistant grade information, per-village land and building price information, a particular mortgage is assigned to a particular receivable pool of securitized mortgages It is characterized by calculating whether to include or not. The initial repayment ratio information = annual repayment amount information / annual income information, and the initial collateral ratio information = loan amount information / house-by-house land and building price information.

  Further, the ninth configuration of the mortgage loan securitization information providing system according to the present invention is that, in the eighth configuration, the residential land-and-building price information is the residential land-and-building price information at the time of acquisition. It is characterized by.

  The tenth configuration of the mortgage loan securitization information providing system according to the present invention is the periodic inspection program for a house in which the specific mortgage included in the specific bond pool is set in the eighth configuration. Or, it has information providing means for regularly providing the land and building price information by residence at the timing of renovation work or refresh work to investors who have purchased securities of specific mortgage loans included in the specific bond pool. It is characterized by.

  The eleventh configuration of the mortgage loan securitization information providing system according to the present invention is that, in the eighth configuration, the calculating means calculates the initial repayment ratio information with respect to a specific house. When multiple mortgages are set, the number of kitchen sets from the building design / building performance information stored in the building design / building performance information storage means and the plan number assigned to the floor plan The information is extracted, and the number information of the kitchen set and the plan number information are collated to determine whether the couple has set up multiple mortgages in a single-family house, or each household in a multi-family house has a mortgage. Judgment is made, the annual income information and the annual repayment information are extracted from the debtor information stored in the debtor information storage means, and the couple has set up multiple mortgages in the single-family house Repayment ratio information, which is calculated by dividing the annual income repayment by the annual income calculated according to each income summing rule. As a feature.

  The first configuration of the mortgage loan securitization information providing method according to the present invention is a method for providing securitization information when securitizing a mortgage loan and is set by a specific mortgage The mortgage that is associated with the building design / building performance information, land information, and debtor information of the house, and securitized a specific mortgage based on the building design / building performance information, land information, and debtor information The building design / building performance information and land of each mortgage of multiple mortgages that are calculated and included in the specified bond pool. Information and debtor information are output as securitization information.

  The second configuration of the method for providing securitization information for mortgage claims according to the present invention is characterized in that, in the first configuration, the building design / building performance information of the house includes earthquake-resistant performance information of the building. And

  The third configuration of the method for providing securitization information for mortgage claims according to the present invention is characterized in that, in the second configuration, the seismic performance information of the building includes the horizontal proof strength information of the building. .

  The fourth configuration of the mortgage loan securitization information providing method according to the present invention is the building configuration / building performance information of the housing in which the specific mortgage is set or the specific housing in the first configuration. Item-specific border marks that allow at least part of the land information of a house with a loan or debtor information with a specific mortgage to be written in letters and symbols, and four corners of the sheet Mortgage loan provided with sheet position confirmation marks provided at the three corners, and data conversion execution marks provided at the remaining corners for converting the read image image data as frame line data or text character / symbol data Prepare a pre-examination application sheet, and the mortgage pre-examination application sheet with the characters and symbols in the frame mark provided on the mortgage pre-examination application sheet When the image image data is received by facsimile, the frame position mark received by identifying the sheet position confirmation mark and the position of the image image data of the characters / symbols in the frame line mark are corrected, and the data conversion is performed. The execution mark is identified, the frame line mark, and the image image data of the characters / symbols in the frame line mark are converted into frame line data and text character / symbol data, the position corrected and converted frame line data, and The text character / symbol data is displayed by item so that the text character / symbol data in the frame line data can be corrected.

  The fifth configuration of the mortgage loan securitization information providing method according to the present invention is characterized in that, in the fourth configuration, the text character / symbol data in the frame line data is displayed in a modifiable manner. A highlighted cursor, a highlighted frame line in which the frame line data corresponding to the item where the cursor is positioned of the image data received by facsimile is linked to the cursor position, and characters / symbols in the highlighted frame line The image data is displayed in a list.

  Further, the sixth configuration of the mortgage loan securitization information providing method according to the present invention is the image of characters / symbols in the highlighted frame line in the vicinity of the highlighted frame line in the fifth configuration. The text character / symbol data converted from the data is highlighted.

  The seventh configuration of the mortgage loan securitization information providing method according to the present invention is the same as the first configuration, except that in the first configuration, the initial repayment ratio information, the initial collateral ratio information, the seismic grade information for each house, the earth strength information, the house Whether to include a specific mortgage in a specific pool of receivables for a securitized mortgage based on at least one of separate fire class information, wind proof class information, and land and building price information by house It is characterized by calculating.

  Moreover, the 8th structure of the securitization information provision method of the mortgage receivable concerning the present invention is the land structure price information according to the residence at the time of acquisition in the 7th structure. It is characterized by.

  The ninth configuration of the method for providing securitization information for mortgage loans according to the present invention is the periodic inspection program for a house in which the specific mortgage included in the specific bond pool is set in the seventh configuration. Alternatively, the property-specific land and building price information is periodically provided to investors who have purchased securities for a specific mortgage loan included in the specific bond pool at the timing of renovation work or refresh work.

  Further, the tenth configuration of the mortgage loan securitization information providing method according to the present invention is the seventh configuration, wherein when calculating the initial repayment ratio information, a plurality of housings are provided for a specific home. When a loan is set, the number of kitchen sets included in the building design and building performance information of the house is compared with the plan number information given to the floor plan, and multiple couples in a single-family house Whether the household has set up a mortgage or multiple households set up a mortgage, and if the couple has set up multiple mortgages in the single-family house, the multi-family house Revenue summation rules are changed when each household has set a mortgage, and the value calculated by dividing annual repayment by the annual income calculated by each income summation rule is calculated as the initial repayment ratio information. And butterflies.

  According to the first configuration of the mortgage loan securitization information providing system according to the present invention, based on the housing land information, debtor information and housing building design / building performance information associated by the information combining means, Whether the specific mortgage is included in the specific bond pool of the mortgage to be securitized can be calculated by the calculation means. In this way, securitization information reflecting the original value of a long-lived house can be provided by considering the building design and performance of the house in addition to the land information and debtor information of the house. .

  According to the second and third configurations of the mortgage loan securitization information providing system according to the present invention, the building building design / building performance information includes the building earthquake resistance performance information and the building holding horizontal strength information. Therefore, it is possible to consider the durability of the house against earthquakes, and the durability of the house against horizontal external forces caused by typhoons and earthquakes, reflecting the original value of the house with excellent earthquake resistance and possessed horizontal resistance. Securitization information can be provided.

  According to the fourth configuration of the mortgage loan securitization information providing system according to the present invention, the building design / building performance information provided by the housing maker, and the land information and debt provided by the mortgage company Information can be used in combination with each other, and information managed by each specialized company can be managed, and information management costs can be reduced.

  According to the fifth configuration of the mortgage loan securitization information providing system according to the present invention, a house in which a specific mortgage is set in an item-specific frame mark provided in the mortgage pre-examination application sheet At least a part of the building design / building performance information, the land information of the house with a specific mortgage loan, or the debtor information with a specific mortgage loan can be written in letters and symbols .

  By sending a mortgage pre-examination application sheet with the prescribed characters / symbols in the frame mark for each item by facsimile, the image image data of the mortgage pre-examination application sheet is received by facsimile. By identifying the sheet position confirmation marks provided at the three corners, the position of the frame mark received by the position correcting means and the image image data of the characters / symbols in the frame mark can be corrected. . As a result, even if the mortgage pre-screening application sheet is skewed and read, the position of the skewed image image data is corrected, and the frame mark and the characters / symbols in the frame mark are identified at a legitimate position. The position of the image data can be corrected.

  Also, the data conversion execution marks provided in the remaining corners of the mortgage pre-examination application sheet are identified, and are surrounded by the sheet position confirmation marks provided in the three corners and the data conversion execution marks provided in the remaining corners. It is possible to identify the frame area mark to be processed by identifying the region. Then, the image data of the frame line mark and characters / symbols in the frame line mark received by facsimile can be converted into frame line data and text character / symbol data by the data conversion means.

  As a result, image data of characters / symbols can be converted into text data, can be processed as digital data, and data correction can be facilitated. Further, the image data of the frame line mark can be used as frame line data and can be processed as digital data, so that it is easy to specify the frame line position and highlight the frame line.

  The frame data and the text character / symbol data corrected by the data correcting unit and converted by the data converting unit can be displayed for each item, and the text character / symbol data in the displayed frame data is displayed. Can be modified as appropriate.

  According to the sixth configuration of the mortgage loan securitization information providing system according to the present invention, the cursor pointed to the item displayed by the data correcting means, and the image image data received by facsimile in conjunction with the cursor position The highlighted frame line in which the frame line data corresponding to the item where the cursor is located is highlighted, and the image image data of the characters / symbols in the highlighted frame line can be displayed in a list. However, the text character / symbol data in the displayed frame line data can be appropriately corrected.

  At that time, the position of the cursor pointed to the item displayed by the data correction means, and the position of the emphasized frame line in which the frame line data corresponding to the item at which the cursor is positioned in the image data received by facsimile are highlighted. By moving together, the item displayed by the data correction means and the item on the image data can be visually confirmed and the correction work can be performed easily and reliably.

  According to the seventh configuration of the mortgage loan securitization information providing system according to the present invention, the text characters / symbols obtained by converting the image image data of the characters / symbols in the emphasis frame line in the vicinity of the periphery of the emphasis frame line By highlighting data, the operator can easily and surely correct erroneously recognized characters because the correctness of recognition results can be confirmed on the image image data screen without moving the line of sight to the items displayed by the data correction means. I can do it.

  According to the eighth configuration of the mortgage loan securitization information providing system according to the present invention, the initial repayment ratio information, the initial collateral ratio information, the seismic grade information for each house, the earth strength information, the fire class information for each house, and for each house Based on the windproof grade information and the land and building price information by residence, it can be calculated by the calculation means whether or not the specific mortgage is included in the specific bond pool of the mortgage to be securitized.

  As a result, a specific mortgage can be obtained by appropriately combining the initial repayment ratio information, the initial collateral ratio information, the seismic grade information for each house, the earth strength information, the fire resistance grade information for each house, the wind resistance grade information for each house, and the land and building price information for each house , Whether it is included in a specific pool of mortgage loans to be securitized can be calculated by calculating means, considering the building design and performance of the house, and the original value of the house according to various conditions It is possible to provide securitization information that reflects.

  According to the ninth configuration of the mortgage loan securitization information providing system according to the present invention, it is possible to deal with newly-built houses and second-hand houses by using the land-and-building price information by house at the time of housing acquisition.

  According to the tenth configuration of the mortgage loan securitization information providing system according to the present invention, the land and building price information that has risen at the timing of the periodic inspection program, the renovation work or the refresh work by the information providing means to the investor. By providing it regularly, it is possible to periodically check the value of the securities purchased by itself.

  According to the eleventh configuration of the securitization information providing system for mortgage claims according to the present invention, when a couple sets a mortgage in a single-family house and each household in a multi-family house obtains a mortgage. By changing the income summing rule between when set, it is possible to give stress to the initial repayment ratio information when the couple divorces in the initial repayment ratio information. Can be treated as independent repayment ratio information, for example, when a couple sets up a two-unit mortgage in a single-family house and each household in a two-family house sets up a two-unit mortgage The securitization information reflecting the repayment risk according to each condition can be provided.

  According to the first configuration of the mortgage loan securitization information providing method according to the present invention, a specific mortgage based on the associated land information, debtor information, and building design / building performance information In addition to the land information and debtor information of the house, the building design and performance of the house can be taken into account, It is possible to provide securitization information that reflects the original value of a long-lived house.

  According to the second and third configurations of the mortgage loan securitization information providing method according to the present invention, building seismic performance information as well as building possession horizontal strength information are included as building design / building performance information for a house. Therefore, it was possible to consider the durability of the house against earthquakes, as well as the durability of the house against horizontal external forces caused by typhoons and earthquakes, reflecting the original value of the house with excellent seismic performance and possessed horizontal resistance. Securitization information can be provided.

  According to the fourth configuration of the mortgage loan securitization information providing method according to the present invention, a house in which a specific mortgage is set in the item-specific frame mark provided in the mortgage pre-examination application sheet At least a part of the building design / building performance information, the land information of the house with a specific mortgage loan, or the debtor information with a specific mortgage loan can be written in letters and symbols .

  By sending a mortgage pre-examination application sheet with the prescribed characters / symbols in the frame mark for each item by facsimile, the image image data of the mortgage pre-examination application sheet is received by facsimile. By identifying the sheet position confirmation marks provided at the three corners, the position of the received frame line mark and the image image data of the characters / symbols in the frame line mark can be corrected. As a result, even if the mortgage pre-screening application sheet is skewed and read, the position of the skewed image image data is corrected, and the frame mark and the characters / symbols in the frame mark are identified at a legitimate position. The position of the image data can be corrected.

  Also, the data conversion execution marks provided in the remaining corners of the mortgage pre-examination application sheet are identified, and are surrounded by the sheet position confirmation marks provided in the three corners and the data conversion execution marks provided in the remaining corners. It is possible to identify the frame area mark to be processed by identifying the region. Then, the image data of the frame line mark and characters / symbols in the frame line mark received by facsimile can be converted into frame line data and text character / symbol data.

  As a result, image data of characters / symbols can be converted into text data, can be processed as digital data, and data correction can be facilitated. Further, the image data of the frame line mark can be used as frame line data and can be processed as digital data, so that it is easy to specify the frame line position and highlight the frame line.

  The frame line data and the text character / symbol data that have been position-corrected and converted as digital data can be displayed for each item, and the text character / symbol data in the displayed frame line data can be appropriately modified.

  According to the fifth configuration of the mortgage loan securitization information providing method according to the present invention, the cursor pointed to the item to be displayed and the cursor of the image image data received by facsimile in conjunction with the cursor position are positioned. The highlighted frame line in which the frame line data corresponding to the item to be emphasized and the image image data of characters / symbols in the emphasized frame line can be displayed in a list, so that the image image data received by facsimile is displayed while viewing. The text character / symbol data in the frame line data can be appropriately corrected.

  At that time, the position of the cursor pointed to the item to be displayed and the position of the emphasized frame line in which the frame line data corresponding to the item where the cursor is located in the image data received by facsimile are linked. By moving, the displayed item and the item on the image data can be visually confirmed and the correction work can be easily and reliably performed.

  According to the sixth configuration of the mortgage loan securitization information providing method according to the present invention, the text character By highlighting the symbol data, the operator can easily and reliably correct misrecognized characters because the recognition result can be confirmed on the image image data screen without moving the line of sight to the item displayed by the data correction means. Can be processed.

  According to the seventh configuration of the mortgage loan securitization information providing method according to the present invention, the initial repayment ratio information, the initial collateral ratio information, the seismic grade information for each house, the earth strength information, the fire grade information for each house, and the other house It is possible to calculate whether or not to include a specific mortgage in a specific bond pool of a mortgage to be securitized based on the windproof grade information and the land and building price information by residence.

  As a result, a specific mortgage can be obtained by appropriately combining the initial repayment ratio information, the initial collateral ratio information, the seismic grade information for each house, the earth strength information, the fire resistance grade information for each house, the wind resistance grade information for each house, and the land and building price information for each house Can be calculated whether or not to be included in a specific receivable pool of mortgage loans to be securitized, taking into account the building design and performance of the house, and reflecting the original value of the house according to various conditions Securitization information can be provided.

  According to the eighth configuration of the mortgage loan securitization information providing method according to the present invention, it is possible to deal with newly-built houses and second-hand houses by using the land and building price information for each residence at the time of housing acquisition.

  According to the ninth configuration of the method for providing securitization information on mortgage loans according to the present invention, information on land and building prices by residence that have risen at the timing of the periodic inspection program or renovation work or refresh work is provided to investors periodically. By doing so, it is possible to periodically confirm the value of the securities purchased by itself.

  According to the tenth configuration of the method for providing securitization information on mortgage claims according to the present invention, when a couple sets a mortgage loan in a single-family house and each household in a multi-family house obtains a mortgage. By changing the income summing rule between when set, it is possible to give stress to the initial repayment ratio information when the couple divorces in the initial repayment ratio information. Can be treated as independent repayment ratio information, for example, when a couple sets up a two-unit mortgage in a single-family house and each household in a two-family house sets up a two-unit mortgage The securitization information reflecting the repayment risk according to each condition can be provided.

  An embodiment of a mortgage loan securitization information providing system and a mortgage loan securitization information providing method according to the present invention will be described in detail with reference to the drawings. FIG. 1 is a diagram showing a control system configuration of a mortgage loan securitization information providing system according to the present invention, FIG. 2 is a diagram showing a control system configuration in a mortgage company, and FIG. 3 is a mortgage pre-examination application sheet. FIG. 4 to FIG. 7 are mortgage loans for correcting the position of image image data by receiving a facsimile, converting image image data into frame line data and dext character / symbol data, and correcting misrecognized characters. Fig. 8 shows an example of a pre-examination application sheet. Fig. 8 shows how to correct a misrecognized character after receiving a mortgage pre-examination application sheet by facsimile and converting the image data into frame line data and dext character / symbol data. FIG. 9 is a diagram showing a building construction of a house stored in a building design / building performance information storage means provided in a data server provided by a housing manufacturer.・ Building performance information, land-by-house price information stored in the land-by-house price information storage means, and land information storage means and debtor information storage means provided in the data server provided in the mortgage company FIG. 10 is a flowchart showing how to combine stored land information and debtor information, FIG. 10 is a flowchart showing examination, and FIG. 11 is a diagram showing an example of plan number information given to the floor plan. 12 is a flowchart showing how to approve the execution of the loan, FIG. 13 is a flowchart showing how to confirm the execution of the loan, FIG. 14 is a flowchart showing how the loan management is performed, and FIG. 15 is a collection of mortgage repayments. Fig. 16 is a flowchart showing how mortgage repayment arrears are managed. Fig. 17 shows how prepayment management is managed. The chart, Fig. 18 shows how to create a personal credit information file such as loan balance for personal credit information institutions, Fig. 19 calculates whether to include a specific mortgage in a specific bond pool, The figure which shows a mode that the securitization information of the several mortgages contained in the specific bond pool is output together, FIGS. 20-22 is a flowchart which shows a mode that the calculation means calculates initial repayment ratio information, FIG. Fig. 24 and Fig. 25 show an example of the outline of a specific pool of receivables in which multiple mortgages to be securitized calculated by the calculation means are included. Fig. 24 and Fig. 25 show the assumed building prices of new and used buildings at the time of sale. Fig. 26 is a matrix diagram showing an example of the construction cost ratio by contract year as a price fluctuation rate, and Fig. 27 is a reference for checking the floor plan adjustment rate (setting each evaluation item and evaluation point). An example of Trick chart, Fig. 28 and Fig. 29 show an example of a periodic inspection program by residence, Fig. 30 shows an example of used land and building brokerage performance information, Fig. 31 shows an example of a used house present price table, Fig. 32 and 33 are diagrams showing the structure of the data structure, FIGS. 34 and 35 are diagrams for explaining the earthquake resistance class, wind resistance class and fire resistance class, FIG. 36 is a flowchart for calculating the structure of a house, and FIG. 37 is a bond pool. Fig. 38 shows an example of a screen for setting extraction conditions, Fig. 38 shows an example of a bond pool registration confirmation screen, Fig. 39 shows an example of a search screen for adding details, and Fig. 40 shows an addition candidate search result screen. FIG. 41 is a diagram illustrating an example of a confirmation screen for adding details, FIGS. 42 and 43 are diagrams illustrating an example of a determination screen, and FIGS. 44 to 50 are examples of building design / building performance information of a house. FIGS. 51 and 52 are flowcharts for explaining the process of extracting the bond pool. Figure 53 is a diagram showing a definition table for displaying a list receivable pool extraction results.

  FIG. 1 shows a system configuration for providing securitization information when securitizing a mortgage loan, and a building which is a building design / building performance information storage means provided in a data server 2 provided in a housing manufacturer 1 In the design / building performance information database (hereinafter referred to as “building design / building performance information DB”) 3, as shown in FIGS. 44 to 50, the building design / building performance information of a house for which a specific mortgage is set. Is remembered.

  In addition, a land-by-house land-and-building price information database (hereinafter referred to as “land-by-house land-and-building price information DB”) 31 provided as a storage unit for land and building-by-house price information stored in the data server 2 provided in the housing manufacturer 1 Stored is land and building price information for each residence where a specific mortgage is set.

  The land and building price information by residence can be the land and building price information by residence when a new house or second-hand house is acquired. Based on the above, it is possible to set the current or future land and building price assessment based on the house. For example, FIGS. 24 and 25 are matrix diagrams showing an example for calculating the assumed building price at the time of sale based on the building acquisition price at the time of new construction, and FIG. 24 is used for price assessment of the new building. Is used for the price assessment of second-hand buildings.

  “(1) Replacement procurement price” in FIGS. 24 and 25 is the price when the same building as the original new building is newly constructed at the present time. The “acquisition price at the time of new construction” is adjusted based on the price fluctuation rate. Is to be calculated. Specifically, as the price fluctuation rate, the “construction cost ratio by contract year” illustrated in FIG. 26 is used, and the “acquisition price at new construction” is multiplied by the “construction ratio by contract year”. (1) Calculate the “restocking price” (applying the corresponding formula in (1) of FIGS. 24 and 25).

  Furthermore, as a method of depreciating the “re-purchased price”, the used building shown in FIG. 25 is corrected by “(2) present value ratio” (applying the corresponding formula in (2) of FIG. 25) Calculate “Basic Building Value”. In the case where the building is extended, “(3) extension part price” is calculated by the same calculation method on the assumption that the extended part is added when the building is newly built.

  Furthermore, the above “(3) extension part price” is corrected by depreciation from the time of actual extension, that is, “(4) extension part present price ratio” (applicable calculation formula of (4) in Fig. 25 is applied) ), And calculate the “expansion base basic present value”. In this case, the “building basic cost” of the entire building is a value obtained by adding up the basic building present price of the initial newly constructed part and the basic present price of the extension part. In addition, when it is extended several times, it calculates similarly.

  Here, in order to adjust the “building basic cost” of individual real estate with the historical element of the building, the “adjustment rate” (“(5) floor plan adjustment rate”, “(6) renovation adjustment rate” shown in FIGS. (Applicable only to used buildings), "(7) Long life variable rate (freedom of floor plan change / extension)) and" Adjustment price "(" (8) Refresh adjustment (applicable only to used buildings) "(From historical information) Reduction) calculated by evaluating the deterioration of roofs, outer walls, etc.)).

  In the actual system, depending on the trend of the times, etc., the item items and their evaluation scores will be revised and operated as a system that matches the actual situation. In the calculation of “(5) floor plan adjustment rate”, evaluation items such as storage area rate, ventilation, daylighting, flow planning, regional characteristics, historical characteristics, and silver care are evaluated.

  FIG. 27 is a matrix diagram showing an example of collation criteria (respective evaluation items and evaluation point settings) for calculating “(5) floor plan adjustment rate”. For example, for the storage area, the score corresponding to the storage area ratio obtained by dividing the total storage area by the total floor area is the evaluation score (standard 7% to 8% is set to evaluation score 0, and so on). .

  Similarly, for the elements other than the storage area, an evaluation score is obtained, and each evaluation score is added to calculate an “evaluation sum”. Furthermore, 100 is added to the “evaluation total”, and the result is divided by 100 to calculate “(5) floor plan adjustment rate” (decimal display) (corresponding formula of (5) in FIGS. 24 and 25) Apply).

  Similarly, “(6) Reform adjustment rate” and “(7) Long life variable rate” are similarly checked against the matching criteria (not shown), and their numerical values (decimal display) are obtained (see FIG. (Applicable calculation formulas in (6) of Fig. 25, Fig. 24 and (7) of Fig. 25 are applied). Finally, for new buildings, multiply the “building basic cost ((1) replacement procurement price” by the “adjustment rate” ((5) x (7)) to calculate the assumed building price at the time of sale (Figure 24). The calculation formula of “assessment price of building” is applied.) In the case of second-hand buildings, “building basic cost {((1) replacement cost x (2) present price ratio) + ((3) extension part price x (4) Multiplying the current value of the extension part)} "and multiplying by the" adjustment rate "((5) x (6) x (7)), and subtracting the" adjustment price "(" (8) refresh adjustment price ") Calculate the assumed building price at the time of sale (applying the formula for “building appraisal price” in Figure 25).

  As shown in FIG. 28, the periodical inspection program information for each house has a scale that covers the entire expected useful life of the building, and the basic enclosure, exterior members, and buried equipment members that are members of the periodic inspection program on the scale Periodic inspection time for each member included in the above is set.

  In addition, after the building is completed, the elapsed period to be periodically inspected is appropriately set according to conditions such as the structure of the building and the area. For example, FIG. 29 illustrates an example of a periodic inspection program in a case where a housing is a steel frame and a concrete panel is used for a floor, a roof, or the like. Fig. 29 (a) shows the initial periodic inspection program planned for exterior wall painting, roof tarpaulin, and water pipes when the target house is completed. Fig. 29 (b) has already been completed. A periodic inspection program is shown when a house that has been built for 15 years has been incorporated into this system.

  Even if it is a newly built house, it is necessary to explain how to use the equipment and give advice on simple repairs that the owner or resident should perform in the initial stage of residence. In this case, about 3 months It is preferable to carry out an inspection at After that, it is necessary to finely adjust movable parts such as sashes, entrance doors, indoor fittings, etc. by living through the four seasons. In this case, it is preferable to carry out an inspection in about one year. Further, it is preferable to conduct a periodic inspection in the second year, and in a periodic inspection in the fifth year, to inspect the exterior of the building (for example, painting of an outer wall, etc.) and to inspect equipment.

  Periodic inspections are conducted mainly every 5 years from the 10th year to the 30th year, and every 10 years after 30 years, mainly focusing on the external surface condition of the foundation of the building and the waterproof performance of the outer walls and roofs. By implementing this method, members that are deteriorating will be detected at an early stage, and preliminary and preventive maintenance will be performed. Also, if there is a difference in service life due to usage conditions, surrounding environment, etc., a periodic inspection system will be used. It is possible to maintain the initial performance over a long period of time by appropriately updating the periodic inspection program according to the state of the building.

  In particular, the life of exterior walls, roof tarpaulins, and water pipes used in residential buildings is set in advance, and when the initial periodical inspection program reaches the number of years that have passed each life, Implementation of replacement is planned (for example, repainting every 15 years for exterior wall painting, replacement for roof waterproof sheet in 30 years, replacement of water supply pipe in 30 years, etc.). In this way, the average life of the building can be extended as a whole by changing and updating the replacement period of the initial inspection program appropriately according to the situation for each property and flexibly responding.

  Fig. 30 shows an example of intermediary performance of used land and buildings from 1999 to 2003. Fig. 30 shows the land and building appraisal price by house and the actual contract price. The difference between the average appraisal price and the average contract price is very small. Based on the inspection program information, it is suggested that the current and future land-and-building price assessment can be carried out very accurately.

  FIG. 31 is a diagram simulating the transition of the appraisal price of a building based on such information. The broken line a in FIG. 31 shows the basic present price, and the price decreases linearly to 10% of the initial price with a certain slope until 30 years, and then maintains 10%. The solid line b in Fig. 31 shows that the exterior wall painting was refreshed in the 15th year based on the periodic inspection program information, the interior and water areas were renovated in the 20th year, and the roof and exterior walls were refreshed in the 25th year. This shows how the building appraisal value changes when it is assumed that the water supply pipe refreshing work was done in the 30th year and the exterior wall painting refreshing work was done in the 40th year. The building appraisal price increases each time due to each refresh construction and renovation work, and then the price decreases with a certain slope, but it is extended to about 38 years until the price decreases to 10% of the initial price. Is shown.

  In FIG. 1, the building design / building performance information of the house stored in the building design / building performance information DB 3 is, for example, 1 as evaluation information of the structural calculation value of the building as illustrated in FIGS. ) Building seismic structure calculation values and evaluation information (permissible stress calculation, horizontal force calculation (eccentricity / rigidity, retained horizontal load resistance), snow load calculation), 2) evaluation information of building basic structure calculation values (directly) Foundation, pile foundation).

  In addition, as the quality performance evaluation standard information of the building, the structure (earthquake-proof grade, wind-proof grade, snow-resistant grade, allowable stress level of the ground (ground strength) or allowable bearing capacity and setting method of the pile, foundation structure method and type), Includes information on fire, deterioration, maintenance, thermal environment, air environment, optical environment, consideration for the elderly, sound environment, and so on. It also includes various information such as building design specification information, maintenance management history, and renovation history.

  As the elements for the calculation of the structural calculation of the building, the building load of each floor, the primary design layer elastic coefficient of each floor, the center of gravity coordinates of each floor, the building rigid coordinates of each floor, etc. are assumed. Generally, it is determined according to building design information (room layout design, design design, material design, frame structure design, foundation ground structure design, etc.).

  FIG. 44 (a) shows an example of the structural calculation basic information based on the building design information, and FIG. 44 (b) shows an example of the structural calculation condition based on the Building Standard Law and the Building Standard Law Enforcement Order for the building design information. Show.

  Then, according to the structural calculation flow chart based on the Building Standards Law Enforcement Ordinance shown in FIG. 36, the allowable stress level of each member is calculated as the primary design [maximum stress level of each floor column, beam, load-bearing panel, etc. ≦ each member The allowable stress level] is calculated using the following formula.

  Further, as the secondary design, the horizontal force calculation is [interlayer deformation angle δ ≦ 1/200 (1/120) of each floor], and further, as route 2 shown in FIG. 36, [stiffness Rs ≧ 6/10 of each floor], [ It is carried out by the calculation formula of the eccentricity ratio Re ≦ 15/100 of each floor. Further, as route 3 shown in FIG. 36, [Retained horizontal strength Qu ≧ Required horizontal strength Quun of each floor], [Required horizontal strength Qun of each floor = Structural characteristic coefficient Ds of each floor × Fes coefficient Cos × Essential seismic strength Qud] It is carried out by the following formula. The structural characteristic coefficient Ds of each floor is the energy consumption capacity associated with the elasto-plastic behavior at the time of earthquake. The additional coefficient Fes is the shape factor obtained by Fe × Fs. The seismic stratum elasticity Qud is the horizontal force generated on each floor by the earthquake. It is.

  45 and 46 show an example of a screen that comprehensively evaluates the results of the frame structure calculation by the calculation formulas for the routes 2 and 3 described above. The fact that the test value is displayed as “OK” in this screen indicates that [the maximum value of the stress level of each column, beam, load-bearing panel, etc. ≦ allowable stress level of each member] is satisfied.

  Next, the calculation formula to calculate the foundation structure of the building is [For the foundation of the building, the maximum ground pressure of the building ≤ ground strength] For the foundation of the pile, the maximum value of the bearing capacity of the pile ≤ allowable bearing capacity of the pile It is carried out by the following formula. FIG. 47 shows an example of a screen on which the result of calculating the foundation structure of the building is evaluated. The fact that the test value is displayed as “OK” in this screen indicates that [the maximum value of the support force of the pile ≦ the allowable support force of the pile] is satisfied.

  48 and 49 are basic information based on the law concerning promotion of securing the performance of a house, and show an example of performance evaluation of a detached house. FIG. 50 is an example of a building design specification screen.

  As described above, the building design / building performance information stored in the building design / building performance information DB 3a includes the building earthquake resistance performance information, the retained horizontal strength information, the seismic grade information by residence, the earth strength information, It includes fire-resistant grade information for each house, wind-resistant grade information for each house, and the like.

  For example, as shown in Fig. 34 and Fig. 35, each earthquake-resistant grade for each house, each wind-resistant grade and each house's fire-resistant grade are defined according to the standards described in the outline of the Japanese Housing Performance Display Standards and Evaluation Method Standards. ing.

  As an example of calculating the seismic grade for each house, the extra coefficients for seismic grades 1, 2, and 3 are calculated as follows based on the earthquake calculation route based on the Building Standard Act Enforcement Ordinance shown in FIG. .

[Equation 1]
Q _i = C _i × (W _i + W _{i + 1} + W _{i + 2} ... + Wn)

Q _{i in} Equation 1 is the “earthquake force of the ground part of the building” described in Article 88 of the Building Standards Law Enforcement Ordinance (Seismic Force), depending on the height of each part of the building, It is calculated as the total seismic force acting on the part supported by the height part. The numerical value Q _i is “the sum of the fixed load and the load of the part (i floor) (in the snowy area designated by the specified administrative agency in accordance with the provisions of the proviso to Article 86, paragraph 2) The same shall apply hereinafter) ”and the seismic layer shear force coefficient at a certain height (floor i) of the building.

Where Q _{i is} the seismic layer shearing force of the floor (i floor), W _{i is} the total weight from the floor to the n floor (top floor) (the sum of the fixed load and the loading load of the part (i floor)) ), N: number of floors of building (the numerical value of the top floor), C _i : seismic layer shear force coefficient on the floor (i floor).

[Equation 2]
C _i = Z × Rt × A _i × Co

Here, Z: Earthquake area coefficient (Ministry of Land, Infrastructure, Transport and Tourism within the range of 1.0 to 0.7 depending on the extent of earthquake damage based on past earthquake records in the region and the state of seismic activity and other earthquake properties Rt: Vibration characteristic coefficient (A numerical value calculated by the method determined by the Minister of Land, Infrastructure, Transport and Tourism according to the natural period in the elastic region of the building and the type of ground as the vibration characteristic of the building), A _i : A numerical value calculated by the method defined by the Minister of Land, Infrastructure, Transport and Tourism to express the distribution of the seismic layer shear force coefficient in the height direction of the building according to the vibration characteristics of the building, Co: Standard shear force coefficient (0.2 or more However, as an area where the ground is extremely soft, wooden buildings in the area designated by the regulations based on the standards established by the Minister of Land, Infrastructure, Transport and Tourism (in accordance with the standards set forth in Article 46, Paragraph 2, Item 1) Suitable (Excluding those that match.) Use 0.3 or more (Building Code Act Enforcement Ordinance, Article 88 (Seismic Force), Paragraph 2). In a predetermined case, a predetermined standard shear force coefficient is used as appropriate).

In this case, the standard shear coefficient Co values used in the calculation of the C _i values, predetermined standard shear shown in to multiplied by the predetermined increment rate [Building Standard Law Enforcement Order Article 88 (seismic force) Force coefficient] x [additional coefficient due to seismic grade (breakage)]). Thereby, the earthquake resistance can be evaluated by adjusting the Q _i value. For example, 0.2 is used as the standard shearing force coefficient, and the extra coefficient is 1.00 in the case of the seismic class: 1, 1.25 in the seismic class: 2, and 1 in the seismic class: 3. 50 is used.

  Note that the seismic calculation method (routes 1, 2, 3) shown in FIG. 36 is improved sequentially, and is not restricted to this embodiment alone. For example, the energy method is used. Even if it uses, this invention can be implemented.

  As shown in FIG. 1, the housing manufacturer 1 has a facsimile machine 5 that accepts a loan application for a loan from a loan borrower 4, and the loan borrower 4 applies for a mortgage pre-examination application shown in FIGS. 4 to 7. When predetermined contents are described on the sheets 6a to 6d and the person in charge of the house maker 1 transmits the information by the facsimile machine 5 of the house maker 1, the FAX-OCR device (Facsimile Optical Character Reader; It is received by a FAX-OCR server 8 having a facsimile input type optical character reader. Here, the FAX-OCR device identifies handwritten characters / symbols written on the mortgage pre-examination application sheets 6a to 6d sent from the facsimile device with reference character / symbol data.・ Convert to symbol data.

  As shown in FIGS. 4 to 7, the mortgage pre-examination application sheets 6a to 6d include building design / performance information of a house for which a specific mortgage is set or a house for which a specific mortgage is set. At least 3 parts of land information or obligor information for which a specific mortgage has been set can be written in letters and symbols. The sheet position confirmation mark 10 is provided, and a data conversion execution mark 11 is provided in the remaining corners and converts the read image image data 18 as frame line data 12 or text character / symbol data 13.

  On the other hand, the FAX-OCR server 8 includes image image data of the mortgage pre-examination application sheets 6a to 6d in which characters / symbols are written in the frame mark 9 provided on the mortgage pre-examination application sheets 6a to 6d. The position correction means 14 for identifying the sheet position confirmation mark 10 when receiving the facsimile 18 and correcting the position of the received frame mark 9 and the image image data 18 of the characters / symbols in the frame mark 9 is provided. Further, the data conversion execution mark 11 is identified, and the frame line mark 9 and the character / symbol image image data 18 in the frame line mark 9 are converted into the frame line data 12 and the text character / Data conversion means 15 for converting into the symbol data 13 is provided, and the frame line data 12 and the text characters / text characters that have been corrected by the position correction means 14 and converted by the data conversion means 15 are provided. No. text and symbols data 13 can correct the data correction means 16 of the data 13 displayed and border data 12 for each item is provided. The position correction means 14, the data conversion means 15, and the data correction means 16 are constructed by a computer system.

  In the data correction means 16, as shown in FIG. 8, a cursor 17 pointed to an item displayed by the data correction means 16, and a cursor 17 of the image image data 18 received by facsimile in conjunction with the position of the cursor 17 The highlighted frame line 12a in which the frame line data 12 corresponding to the item where the item is located is highlighted, and the image image data 18 of the characters / symbols in the highlighted frame line 12a are displayed in a list.

  The position of the frame mark 9 described in the mortgage pre-examination application sheets 6a to 6d is arranged at a position set in advance with the sheet position confirmation mark 10 detected by the position correction means 14 as a reference position. Based on the position information and the frame mark 9, the data conversion means 15 converts it into frame data 12.

  The image image data 18 in the frame line data 12 is converted into text character / symbol data 13 by the data conversion means 15. The position of the cursor 17 pointed to the item displayed by the data correction means 16 and the position of the frame line data 12 are linked, and the frame line data 12 is highlighted as a highlighted frame line 12a by a thick line or a color line. Is done.

  The text character / symbol data 13 displayed in the item where the cursor 17 is located is highlighted as a highlighted character / symbol 13a as a highlighted character / symbol 13a in the vicinity of the frame data 12 corresponding to the position of the cursor 17. Is done. In the present embodiment, an example in which the highlighted character / symbol 13a is displayed immediately above the highlighted frame line 12a as shown in FIG. 8 will be described. However, the highlighted character / symbol 13a may be displayed at a desired position diagonally up, down, left and right.

  The data server 20a provided in the mortgage company (originator) 19 has a land information database (hereinafter referred to as "land information DB") 21a serving as a land information storage means for storing the land information of a house with a specific mortgage. And a debtor information database (hereinafter referred to as “obligor information DB”) 22a serving as debtor information storage means for storing debtor information for which a specific mortgage is set.

  On the other hand, the data server 2 provided in the housing manufacturer 1 and the data server 20a provided in the mortgage company 19 are connected by a dedicated line 23, and the building design / building performance information DB 3 of the data server 2 of the housing manufacturer 1 is connected. The building design / building performance information stored in the database and the land / building price information stored in the residential land / building price information DB 31 are temporarily stored in the database server (hereinafter referred to as “DB server”) 24 via the dedicated line 23. And stored in the building design / building performance information DB 3a and the residential land price information DB 31a of the data server 20a provided in the loan examination / execution system from the DB server 24.

  Here, the dedicated line 23 is a communication line or other line connecting remote companies and has a security function for ensuring confidentiality, and smoothly transfers a large amount of electronic information to be processed by this system. Anything is possible. Therefore, the form of the line (for example, wired or wireless) is not questioned, and can be appropriately replaced with a communication means invented by future technological innovation.

  The data server 20a is provided with information combining means 25. With the information combining means 25, the building design / building performance information of the house stored in the building design / building performance information DB 3a for the specific mortgage, and the residence The land and building price information by residence stored in the separate land and building price information DB 31a, the land information of the house stored in the land information DB 21a, and the debtor information stored in the debtor information DB 22a are associated with each other.

  The information combining means 25 is constituted by a computer system. For example, the contract (expected customer) number of the mortgage pre-examination application sheet 6a transmitted from the facsimile machine 5 of the house maker 1 to the mortgage company 19 via the public line 7. Is converted to text character / symbol data 13 by the FAX-OCR server 8 and converted to CSV (Comma Separated Value; comma separated value). ) Import using the conversion function.

  In addition, the contract (prospect) number described in the frame line mark 9a column of the mortgage pre-examination application sheet 6a shown in FIG. 4 is set to the contract contract number in the subordinate concept, and after the contract contract is determined, The contract contract number functions as a search key code on the database.

  The database of the mortgage company 19 is composed of this prospective customer number (or contract number), the receivable number automatically assigned to each borrower, and the debtor number as part of the search key code. Access to the building design / building performance information DB 3a, the land and building price information DB 31a, the land information DB 21a, and the debtor information DB 22a by using the added key as a search key, and the housing stored in the building design / building performance information DB 3a Building design and building performance information, land and building price information by house stored in the land and building price information DB 31a by house, land information of houses stored in the land information DB 21a, and debtor stored in the debtor information DB 22a Associated with information.

  The building design / building performance information DB 3 on the house manufacturer 1 side is also set using the contract number as a search key. The building design / building performance information DB 3a of the mortgage company 19, the land and building price information DB 31a by residence, the land information DB 21a and the debt Even when information is combined (so-called name identification) with the person information DB 22a, data can be combined by pulling the contract number as a search key.

  FIGS. 32 and 33 show the building design / housing stored in the building design / building performance information DB 3a for a specific mortgage by the information combining means 25 provided in the data server 20a installed in the loan examination / execution system. Building performance information, land and building price information by house stored in the land and building price information DB 31a by house, land information of houses stored in the land information DB 21a, and debtor information stored in the debtor information DB 22a An example of an associated data structure is shown.

  FIG. 32 shows a list of bond information. For example, if each data cannot be matched with the “contract (expected customer) number” of item number 6 shown in FIG. 32, see “contract contract number” of item number 4. In the case of matching with either “contract (expected customer number)” of item number 6 or “contract contract number” of item number 4, the building provided in the data server 2 on the house manufacturer 1 side The data acquired from the design / building performance information DB 3 and the land and building price information DB 31 for each house is the data acquisition area, and the captured data is reflected from the “plan number” of the item number 41 shown in FIG. 32 to the “fire resistance grade” of the item number 52 shown in FIG. . FIG. 33 shows a collection status list.

  Each information of the building design / building performance information DB 3a, the land and building price information DB 31a, the land information DB 21a, and the debtor information DB 22a provided in the data server 20a provided in the loan examination / execution system is subjected to predetermined information processing. Then, it is transmitted to the data server 20b provided in the bond management system, and stored in the building design / building performance information DB 3b, the residential land price information DB 31b, the land information DB 21b, and the debtor information DB 22b.

  In addition, each information of the building design / building performance information DB 3b, the land and building price information DB 31b, the land information DB 21b, and the debtor information DB 22b provided in the data server 20b provided in the bond management system is further subjected to predetermined information processing. Then, it is transmitted to the data server 20c provided in the securitization system and stored in the building design / building performance information DB 3c, the land and building price information DB 31c, the land information DB 21c, and the debtor information DB 22c.

  The data server 20c of the securitization system includes a specific mortgage based on the building design / building performance information associated with the information combining means 25, the land and building price information by residence, the land information of the house, and the creditor information. Is provided for calculating whether or not to be included in a specific bond pool of the mortgage to be securitized.

  The computing means 26 is constituted by a computer system, and the housing design / building performance information DB 3c, the residential land price information DB 31c, the land information DB 21c, and the debtor information DB 22c associated by the information combining means 25 are stored. Based on the building design / building performance information, land price information by residence, land information of the house, and debtor information, the computing means 26 makes initial repayment ratio (DTI) information, initial collateral ratio (LTV) Value) information, seismic grade information by house, terrestrial strength information, fire resistance grade information by house, wind proof grade information by house, and land and building price information by house are extracted and calculated. Based on these information, a specific mortgage Whether it is included in a particular receivable pool of securitized mortgages.

  In addition, when calculating the initial repayment ratio information, the calculation means 26 sets the building design / data of the data server 20c installed in the securitization system when a plurality of mortgages are set for a specific house. The number information of the kitchen set and the plan number information given to the floor plan of the item number 41 shown in FIG. 32 are extracted from the building design / building performance information stored in the building performance information DB 3c. The number information and the plan number information are collated to determine whether the couple has set up multiple mortgages in a single-family house or whether each household in a multi-family house has set up a mortgage.

  Then, the annual income information and the annual repayment amount information are extracted from the debtor information stored in the debtor information DB 22c, and when the couple sets up multiple mortgages in a single-family house, each household in the multi-family house Change the income summing rule when each has set a mortgage, and calculate the value obtained by dividing the annual repayment amount by the annual income calculated by each income summing rule as the initial repayment ratio information. And based on such information, it is calculated whether a specific mortgage is included in the specific receivable pool of the mortgage to be securitized.

  Then, the building design / building performance information for each mortgage of a plurality of mortgages that are calculated by the calculation means 26 and included in a specific bond pool, land price information for each house, land for the house The information and debtor information are output by the output means 27 as securitization information.

FIG. 3 shows how the FAX-OCR server 8 is used to convert handwritten character information described in the mortgage pre-examination application sheets 6a to 6d into digital data and convert it into frame line data and text character / symbol data. First, the FAX-OCR server 8 receives image data transmitted by facsimile from the facsimile machine 5 of the house maker 1 (step S ₁ ), and performs a FAX image capturing process (step S _{2 in} FIG. 3). .

  At this time, the position correction means 14 recognizes the sheet position confirmation marks 10 provided on the mortgage pre-examination application sheets 6a to 6d, and the image image data of the frame mark 9 and the characters / symbols in the frame mark 9 Perform position correction.

In step S ₃ in Fig. 3, mortgage preliminary review application sheet 6a~6d detects borders mark 9 from the FAX image image data on page data conversion execution mark 11 is provided on the FAX-OCR device The image data of the frame line mark 9 and the characters / symbols described therein are digitally converted into frame line data 12 and text character / symbol data 13. Note that the page without the data conversion execution mark 11 on the mortgage pre-examination application sheet is stored as the FAX image data.

In step S ₄ in FIG. 3, as shown in FIG. 8, the data correction means 16 to display the frame line data 12 and the text and symbols data 13 by item, the operator is displayed on the left screen of FIG. 8 The text character / symbol data 13 digitized by character recognition is corrected in the cell for each item displayed on the right screen of FIG. 8 while visually checking the FAX image image data.

  At this time, as shown in the right screen of FIG. 8, the cursor 17 pointed to the item displayed by the data correction means 16 and the cursor 17 of the image image data 18 received by facsimile in conjunction with the position of the cursor 17 are displayed. The highlighted frame line 12a in which the frame line data 12 corresponding to the item in which the item is located is highlighted, and the image image data 18 of the characters / symbols in the highlighted frame line 12a are displayed in a list, and the periphery of the highlighted frame line 12a A highlighted character / symbol 13a is displayed in which the text character / symbol data 13 obtained by digitally converting the image / image data 18 of the character / symbol in the highlighted frame line 12a by the data converting means 15 is highlighted. .

  The position of the frame line data 12 highlighted in conjunction with the movement of the cursor 17 moves, and the position of the highlighted character / symbol 13a highlighted also moves accordingly. The highlighted frame line 12a and the highlighted character / symbol 13a highlighted at the moment when the cursor 17 is moved disappear, and the highlighted highlighted frame line 12a and the highlighted character / symbol 13a are highlighted. When the characters / symbols in the items displayed on the right screen of FIG. 8 are corrected, the highlighted characters / symbols 13a are also displayed reflecting the corrections.

  As a result, the correctness of the recognition result can be confirmed without moving the line of sight to the correction screen displayed on the right screen of FIG. 8, so that the operator can easily and reliably correct the erroneously recognized character.

In step S ₅ of FIG. 3, after the character recognition result correction processing, in step S6, performs the normal incoming confirmation of conversion character-image data. When the converted character / image data arrives normally, the image image data file and the CSV (Comma Separated Value) file are stored in the database server of the FAX-OCR server 8 (hereinafter referred to as “DB server”). ”). In step S _6, when an error such omissions occur, an error correcting process by the operator returns to step S _4.

  Here, the CSV file refers to a text file in which values (numerical values, text, etc.) are written separated by commas (,). Since CSV files are text files, there is no difference in Mac (product name), Windows (registered trademark), or other applications, or Excel (product name) or Lotus 1-2-3 (registered trademark) applications. Therefore, data can be easily exchanged between different applications using this function. Also, because of the nature of being a text file, there is an advantage that various programs can be easily created based on a large-scale database.

Next, data is taken into the loan examination / execution system, bond management system, and securitization system provided in the mortgage company 19 shown in FIG. First, to search for the corresponding property in the step S ₁₁ in FIG. As the search key code, the contract (prospect) number described in the frame line mark 9a column of the mortgage pre-examination application sheet 6a shown in FIG. 4 or the contract contract number is adopted after the contract contract is determined. Enter at least one of a contract (expected customer) number, contract contract number, borrower name (kanji notation, kana notation), facsimile reception date, etc. in the search code field (not shown) and click the search button.

Next, in step S _12, the application server 28 shown in FIG. 2 financial screening-execution system, credit management system, the instruction to capture CSV data stored in the DB server 24 of the FAX-OCR server 8 of a security system Do. Here, the CSV file stored in the DB server 24 of the FAX-OCR server 8 includes, as basic information, the building design / building performance information DB 3a, the land and building price information DB 31a, the land information DB 21a, and the debtor information of the data server 20a. Each is stored in the DB 22a.

In step S _13, when executing an instruction to capture the building design and building performance information, contract number search and extraction key as housing manufacturer data server 2 provided in 1 Design and building performance information DB3 and residence by land Various information extracted from the building price information DB 31 and including the seismic grade information by house, fire resistance grade information by house, wind resistance grade information by house, land price information by house, etc. via the dedicated line 23 and the foreign communications server 29 1 is once taken into the DB server 24 shown in FIG. 1 and registered as basic information (step S ₁₄ ). At this time, the operator displays an image captured as image information by facsimile and automatically inputs information on an area where character recognition cannot be performed.

The transmission in step S _15, it is determined whether or not the necessary data are successfully registered, the check-save button (not shown) is successfully registered is clicked, the data server 20a underwriting criteria and execution system Then, the data is stored in the building design / building performance information DB 3a, the land and building price information DB 31a, the land information DB 21a, and the debtor information DB 22a provided in the data server 20a. In step S _15, if an error such omissions occur, an error correcting process by the operator returns to step S _14.

FIG. 10 is a flowchart showing how the preliminary examination and the main examination are performed. First, in step S ₂₁ in FIG. 10, contract when the contract number as a search extraction key to search the property of performing examination, and the application server 28 is actuated, Design provided to the data server 20a underwriting criteria and execution system Basic information is searched and extracted by accessing the building performance information DB 3a, the land and building price information DB 31a by residence, the land information DB 21a, and the debtor information DB 22a.

Next, in step S _22, performs a preliminary review by the screening officer. The product master database (hereinafter referred to as “product master DB”) 33 stores various examination standard information for the examination, and the items necessary for the preliminary examination are examined by referring to the examination standard information from the product master DB 33. To do.

  42 and 43 are examples of the examination screen. Data obtained by performing a collation process on the data stored in the building design / building performance information DB 3 that has been processed by the housing design / production support system of the housing manufacturer 1 shown in FIG. A comparison is made with performance standard data necessary for securitization set in advance in the master DB 33, and it is automatically determined whether or not the building meets the performance standard value of the scheduled bond pool.

  On the other hand, the loan examiner confirms the check box displayed on the right side of each item while referring to the automatic determination result of each item. This check box has a meaning of permission for items that are judged to be comprehensively added to the bond pool even if all of the performance items are not satisfied.

  The determination screen shown in FIG. 42 is an example of a calculation result determination screen for LTV (initial collateral ratio) and DTI (initial repayment ratio) and a screen for checking the confirmation. The determination screen shown in FIG. It is an example of the screen which performs the confirmation check.

  In addition, credit information of a specific individual such as other various loans such as a card loan sent from the personal credit information institution 34 is sent to the DB / WEB server 30 via the foreign communication server 29, and credit judgment is made based on the personal credit information. An application provided in the system is operated, and a credit judgment program for the borrower and the joint guarantor is executed to perform a preliminary examination.

Next, in step S _23, fill in the examination comment, loan examination building design and provided, in the data server 20a of the execution system building performance information DB3a, to save the land information DB21a and debtor information DB22a.

In step S _24, based on the determination or the like of the preliminary audit, as mortgages that assumes securitization, determines whether to perform the primary approval, mortgage not reaching the lending criteria for refusal. In the case of the primary approval application performs the examination by the primary approver in step S _25. At this time, the primary approval examination is performed with reference to the primary approval examination criteria information from the product master DB 33 regarding the matters necessary for the primary approval examination.

Next, in step S _26, based on the primary approval result, as mortgage that assumes a securitization, the determination result of the system whether or not the applicable to lending standards, the review comments of the examination the person in charge reference If you do not meet certain standards, apologize. Also it is determined that need to be reviewed in the lack of information or another aspect when it is difficult to fast trip is revert to the step S ₂₂ described in review comments the instruction. If the loan criteria are met, secondary (final) approval is applied.

The secondary approval is performed transactions, in step S _27, performs examination by secondary approver (final approver). At this time, with respect to matters necessary for the secondary examination, the secondary approval examination standard information is referred from the product master DB 33, and the secondary approval examination is performed together with the comments of the examination person and the primary approver.

Then, based on the secondary approval result of step S _27, in step S _28, it is determined whether the secondary authorization, as mortgage that assumes securitization, if mortgage not applicable lending criteria and refusal to, it is determined that need to be reviewed in the lack of information or another aspect when it is difficult to fast trip is revert to the step S ₂₃ or step S ₂₅ described in review comments the instruction.

In the case of secondary approval in step S ₂₈ , the status of the specific mortgage that has been secondarily approved is converted to secondary approved and the building design / Stored in the building performance information DB 3a, land information DB 21a, and debtor information DB 22a.

FIG. 12 shows a flowchart of loan execution approval. First, in step S _31, performs disbursed register to perform a particular mortgage. In step S ₃₂ , first approver confirms whether or not to apply for the primary approval for financing based on the loan application review results, according to the loan interest rate, loan amount, and desired loan date. Apply to. If there is an error in the content, it will be sent back, and correction registration / examination will be conducted.

In step _S33 , the primary approver carefully examines the content of the primary approval application for errors, and if there is no error, makes a secondary approval application (step _S34 ). If there is an error, return it to the loan execution registrant. In the case of the secondary approval is carried out the examination by the secondary approver in step S _35.

Then, based on the secondary approval result of step S _35, in step S _36, it is determined whether the secondary authorization, in the case of mortgage not reach a certain criteria of the secondary authorization associated with financing revert to step S _31.

In the case of secondary approval in step _S36 , the status of the loan of the specific mortgage that has been secondarily approved is converted to secondary approved and the building design / data provided in the data server 20b of the bond management system is provided. building performance information DB3b, mansion by land and buildings price information DB31b, in step S ₃₇ as well as stored in the land information DB21b and debtor information DB22b carry out the execution of the mortgage.

  The secondary approval has the meaning of finalizing the mortgage loan execution based on the application of the person in charge and the primary approver. At the same time, the status of the mortgage loan that has been subjected to the secondary approval is changed to credit management on the system. The data is transferred from the loan / examination execution system database shown in FIG. 1 to the bond management system database. The data migration instruction is automatically performed by clicking the secondary approval button.

FIG. 13 shows a flowchart of loan execution confirmation. First, step in S _41, the application server 28 operates to claim management system in the installed Design provided in the data server 20b · building performance information DB 3b, premises by premises price information DB31b, land information DB21b and debtor The information execution is confirmed by accessing the information DB 22b. Outputs transfer itemized in step S _42, and outputs the repayment schedule in step S _43, and outputs a loan schedule in step S _44. Then, the data is stored in the form server 35 and each form is output.

FIG. 14 is a flowchart for explaining the operation of the bond management system. Register the debtor information in step S ₅₁ by operating the application server 28 registers the listing in step S _52, to register receivable information in step S _53, to register the guarantee obligations information in step S ₅₄ claims The data is stored in the building design / building performance information DB 3b, the residential land price information DB 31b, the land information DB 21b, and the debtor information DB 22b provided in the data server 20b installed in the management system. Further output receivables information listed in the CSV file in step S _55, the screen output the contact history management who left the interaction with the customer in step S _56.

In steps S _{51 to} S _54, it is usually sufficient to confirm the data automatically taken over in steps S _{35 to} S ₃₇ shown in FIG. 12 from the loan examination / execution system shown in FIG. However, it is prepared so that it can be registered here as a correction screen when an error or change occurs in the contents.

Further in the step S ₅₅ shown in FIG. 14, so far function for outputting management data as mortgage banks accumulated in the system, a CSV file output function of the claim information list shown in FIG. 32.

The contact history management in the step S ₅₆ shown in FIG. 14 is intended to record customer interactions up to that point, confirmed at all time points from the loan examination and execution system shown in FIG. 1 to securitization system Will be handed over to be able to.

FIG. 15 is a flowchart for explaining the operation of the normal repayment management system for creating account transfer data. It activates the application server 28 to create the recovery data in step S _61, step performs recovery schedule registration in S _62, claim management system to set up the Design provided in the data server 20b · building performance information DB 3b, mansion The data of the separate land and building price information DB 31b, land information DB 21b, and debtor information DB 22b are corrected and stored.

In step _S63 , account transfer data is created and the encrypted data is output to an MO (Magneto-Optical disk). Then, the account transfer data is uploaded to the collection agency 36 via a PC (Personal Computer). On the other hand, transfer result data is downloaded from the collection agency 36, stored in the MO via the PC, decrypted, and the account transfer result is captured in step _S64 . Here, the MO is employed to block external access.

Next, in step _S65 , the collection status is registered, and in step _S66 , it is selected whether the collection method is normal collection or collection collection. Then, the data of the building design / building performance information DB 3b, the land and building price information DB 31b, the land information DB 21b and the debtor information DB 22b provided in the data server 20b installed in the bond management system is corrected and stored, and the history is recorded. Accumulate from time to time.

FIG. 16 is a flowchart showing a state in which repayment delinquency management is performed. First, the application server 28 is operated to access the building design / building performance information DB 3b, the land and building price information DB 31b, the land information DB 21b, the debtor information DB 22b, and the form server 35 provided in the data server 20b of the bond management system. In step _S71 , an account transfer impossible list is created. In step _S72 , a collection status list is created. In step _S73 , an arrearage claim list is created. Then, the created account transfer impossible list, collection status list, and past due loan list are printed out and a form is output.

FIG. 17 is a flowchart showing a state in which prepayment management is performed. First, access to the form server 35 by operating the application server 28, to create a contact history management who left the interaction with the customer in step S _81, to create a prepayment schedule simulation in step S _82, step S ₈₃ performs a prepayment schedule registration in, and outputs a repayment schedule in step S _84, and outputs a balance certificate in step S _85, and outputs a pay off card in step S _86.

In step S ₈₇ , the prepayment schedule simulation created in step S ₈₂ and the prepayment schedule registration created in step S ₈₃ are output to the screen, printed out, and the form is output. Then, the data of the building design / building performance information DB 3b, the land and building price information DB 31b, the land information DB 21b and the debtor information DB 22b provided in the data server 20b installed in the bond management system is corrected and stored, and the history is recorded. Accumulate from time to time.

FIG. 18 is a flowchart showing how a file is created for the personal credit information agency 34. First, the building design / building performance information DB 3b, the land and building price information DB 31b, the land information DB 21b, and the debtor information DB 22b provided in the data server 20b installed in the bond management system are accessed, and the personal credit information agency 34 select, after outputting the CSV file in step S _91, the encryption processing in step S _92, and outputs the MO in step S _93.

FIG. 19 is a flowchart for explaining the operation of the securitization system. First, in step S _101, the initial repayment ratio information, the initial collateral ratio information, mansion-specific seismic grade information, bearing capacity information, mansion by fire resistance rating information, mansion by wind-grade information, specified on the basis of the residence by land and buildings price information, etc. The extraction condition of the bond pool is set.

  FIG. 37 is an example of a display screen for setting the extraction conditions for the bond pool, and FIG. 38 is a registration confirmation screen after setting the extraction conditions for the bond pool. The receivable pool numbers shown in FIG. 37 are assigned to those actually securitized after the securitization system extracts the securitization pool.

  The flow of the process of extracting the mortgage loan pool is as shown in FIGS. In this case, the building design and building performance information including earthquake resistance grade information and possessed horizontal proof stress is covered, which covers natural disaster risk. As shown in Fig. 4, the system automatically performs stratified sampling using the postal code of the construction site so that the construction site does not concentrate in a specific area (for example, there is no overlap in the base of the 3-digit postal code) )I have to. FIG. 53 is a diagram for explaining each item of the bond pool shown in FIG.

Next, in step _S102 , the individual bond details are added, and in step _S103 , the individual bond details are deleted. Performs fine adjustment of the automatically extracted receivable pool by deleting individual receivable details. At this stage, the change in the receivable pool due to the addition / deletion of individual receivables is displayed in real time, so when the receivable pool is determined based on this, click the execute button.

  FIG. 39 is an example of a detail addition search screen, FIG. 40 is a display screen showing an additional candidate search result, and FIG. 41 is a confirmation screen for adding details. In the securitization system, after extracting the receivable pool and saving it after adding / deleting the details of individual cases from the receivable pool, the “Receivable pool number” in item number 7 of the CSV file is shown in FIG. The credit pool number is registered.

Then, conduct provisionally registered in the step S ₁₀₄ shown in FIG. 19, registers the receivables pool in step S _105. Step S provided building design and building performance data server 20c which each information is installed in securitized system loan pool matches the extraction condition to be registered at ₁₀₅ information DB3c, premises by premises price information DB31c, land It moves to information DB21c and debtor information DB22c.

Next, in step _S106 , business partners are registered. In step _S107 , a bond information list as shown in FIG. 32 is created. In step _S108 , a collection status list as shown in FIG. 33 is created. create a arrears list in _109, and outputs the CSV file in step S ₁₁₀ to S _112.

Also after the selection of the submission information, in step S _113, as shown in FIG. 23, is automatically generated under the conditions shown an outbound report in Figure 53, and outputs the CSV file in step S _114. Monthly historical data as a reporter after that (A person who specifically arranges the mortgage securitization business, such as design work for building mortgage securities, construction of asset subordinated structure, acquisition of ratings, etc.) And provide it to rating agencies.

  20 to 22 are flowcharts showing how the initial repayment ratio information is calculated by the calculation means 26 provided in the securitization system. Actually, it corresponds to a plurality of units exceeding two units. Here, an example of two units will be described.

First, in step S ₁₂₁ shown in FIG. 20, provided building design and building performance installed data server 20c securitization system information DB3c, premises by premises price information DB31c, land information DB21c and debtor information DB22c Access to judge whether the age of the applicant for a specific mortgage is 20 years old or older and 60 years old or younger. In step S ₁₂₂ if it is within its age, when it is determined whether the subscribed several ports mortgage for one contract, 1-neck mortgage ordered for 1 contract is In step _S123 , it is determined whether or not a revenue adder is set in addition to the applicant.

In step S _123, if the income summed who is not set, in step S _124, it is determined whether the applicant's age or younger than 50 years, annual income of applicant if less than 50 years of age 70% of the amount is used as annual income information (A) when calculating the initial repayment ratio information. In the case of younger than 50 years old, the applicant's annual income is directly used as annual income information (B). Here, the initial repayment ratio information = annual repayment amount information / annual income information is calculated.

Next, in step S _123, if the income combined person is set to other than the applicant, in step S _125, the parent income combined person of applicant, spouse, whether any of the child If it is not such a relationship, the process proceeds to step _S124 , and the annual income information (A) and (B) is similarly calculated.

Next, in step _S125 , if the income combiner is one of the parent, spouse, or child of the applicant, the age of the income combiner is between 20 and 60 years old in step _S126 . If it is out of the age, the process proceeds to step _S124 to calculate the annual income information (A) and (B).

In step S _126, if the age of the income summed's is less than 20 years old and 60 years old, in step S _127, income summed who determines whether or not the parent of applicant, if not the parent The annual income information (C) includes the annual income of the applicant + (50% of the annual income of the income total) and 50% of the annual income of the applicant.

In step _S127 , if the income combiner is the parent of the applicant, the annual income of the applicant + (25% of the income combined income) and within 50% of the applicant's annual income Forehead information (D).

In step S _122, 1 contractor when the subscribed plurality ports mortgage for agreement, it is determined whether multi-family houses or not in step S _128. At this time, the calculation means 26 extracts the number information of the kitchen sets and the plan number information given to the floor plan shown in FIG. 11 from the building design / building performance information stored in the building design / building performance information DB 3c. The number of kitchen sets and plan number information are collated, and a couple who has set up multiple mortgages in a single-family house or each household in a multi-family house has set up a mortgage. Judge whether or not.

  In FIG. 11, S1 to S4 are set as plan numbers for single-family houses, and W1 to W5, J1 to J5, and T1 to T5 are set as plan numbers for two-family houses. Even if it is a single-family house, there are those that have two or more kitchen sets, but whether each couple in a multi-family house is a single-family house where a couple has set up multiple mortgages by collating with the plan number It is possible to accurately determine whether each household has a mortgage.

If it is a single-family house in step S ₁₂₈ , it is determined in step S ₁₂₉ whether the relationship of each applicant is either a parent or child or a couple. in step S _130, to allow only one of the one of the application.

Next, in step _S131 , it is determined whether or not a revenue combiner is set in addition to the applicant. If no revenue combiner is set, an application is made if the applicant's age is less than 50 years old. The annual income of the applicant is directly used as the annual income information (E), and 70% of the annual income of the applicant is used as the annual income information (E) when the applicant's age is 50 years or older.

In step _S131 , if a revenue combiner is set in addition to the applicant, it is checked in step _S132 whether the revenue combiner is one of the applicant's parent, spouse, or child. If it is determined that the relationship is not such, annual income information (E) is similarly calculated.

Next, in step _S132 , if the income combiner is one of the parent, spouse, or child of the applicant, the age of the income combiner is between 20 and 60 years old in step _S133 . In the same way, if it is out of the age, annual income information (E) is calculated in the same manner.

In step S _133, if the age of the income summed's is less than 20 years old and 60 years old, in step S _134, income summed who determines whether or not the parent of applicant, if not the parent The annual income information (F) is the annual income of the applicant + (50% of the annual income of the total income) and within 50% of the annual income of the applicant.

In step _S134 , if the income combiner is the parent of the applicant, the annual income of the applicant + (25% of the income combined income) and within 50% of the applicant's annual income Forehead information (G).

In step _S129 shown in FIG. 20, if the relationship of each applicant is either a parent or a child or a couple, in step _S141 shown in FIG. 21, the applicant who has the higher annual income of each applicant is the main applicant. The person with the lower annual income is regarded as the total. For example, if the applicant is 50 years old or older, it is compared with 70% of the applicant's annual income.

Next, in step _S142 , it is determined whether or not the deemed summer is the parent of the applicant. If it is not the parent, it is determined in step _S143 whether or not a revenue summer is set. Here, it is assumed that there is one income adder.

In step _S143 , if no income total is set, the main applicant's annual income + (50% of the deemed total income) and within 50% of the main applicant's annual income Information (H).

Next, in step S ₁₄₃ , if a revenue combiner is set, in step S ₁₄₄ , it is determined whether the revenue combiner is one of the applicant's parent, spouse, or child, If the relationship is not such, annual income information (H) is calculated in the same manner.

Next, in step _S144 , if the income combiner is any of the parent, spouse, or child of the applicant, the age of the income combiner is 20 years old or more and 60 years old or less in step _S145 . If it is out of the age, annual income information (H) is calculated in the same manner.

In step S _145, if the age of the income summed's is less than 20 years old and 60 years old, in step S _146, income summed who determines whether or not the parent of applicant, if not the parent The annual income information (I) is the annual income of the applicant + (50% of the annual income of the deemed total) + (50% of the annual income of the total).

In step _S146 , if the income combiner is the parent of the applicant, the applicant's annual income + (50% of the deemed total income) + (25% of the total annual income) Annual income information (J).

In step S _142, if deemed summing who is the parent of the applicant, in step S _147, it is determined whether income combined person is set. Here, it is assumed that there is one income adder.

In step S ₁₄₇ , if no income total is set, the main applicant's annual income + (25% of the deemed total income) and within 50% of the main applicant's annual income Information (K).

Next, in step S ₁₄₇ , when a revenue combiner is set, in step S ₁₄₈ , it is determined whether the revenue combiner is one of the applicant's parent, spouse, or child, If the relationship is not such, annual income information (K) is calculated in the same manner.

Next, in step _S148 , if the income combiner is one of the parent, spouse, or child of the applicant, the age of the income combiner is 20 years old or more and 60 years old or less in step _S149 . In the same way, if it is out of the age, annual income information (K) is calculated in the same manner.

In step S _149, if the age of the income summed's is less than 20 years old and 60 years old, in step S _0.99, income summed who determines whether or not the parent of applicant, if not the parent The annual income information (L) is the annual income of the applicant + (25% of the annual income of the deemed total) + (50% of the annual income of the total).

In step _S150 , if the income combiner is the parent of the applicant, the applicant's annual income + (25% of the deemed total income) + (25% of the total annual income) The annual income information (M). In the case of the above-mentioned annual income information (H) to (M), the calculation means 26 calculates that each application needs to satisfy the criteria by examining the initial repayment ratio (DTI). To do.

If it is a multi-family house in step S ₁₂₈ of FIG. 20, it is determined in step S ₁₆₁ of FIG. 22 whether or not each application household is a family with parents, children, uncles (aunts). However, if it is not such a connected family, only one of the applications is permitted in step _S162 .

Next, in step _S163 , it is determined whether or not a revenue combiner is set in addition to the applicant. If no revenue combiner is set, an application is made if the applicant's age is less than 50 years old. The annual income of the applicant is directly used as annual income information (N), and 70% of the annual income of the applicant is used as annual income information (N) when the applicant's age is 50 years or older.

In step _S163 , if a revenue combiner is set in addition to the applicant, it is determined in step _S164 whether the revenue combiner is one of the applicant's parent, spouse, or child. If it is determined that the relationship is not such, annual income information (N) is calculated in the same manner.

Next, in step _S164 , if the income combiner is one of the parent, spouse, or child of the applicant, the age of the income combiner is between 20 and 60 years old in step _S165 . In the case where it is out of the age, the annual income information (N) is calculated in the same manner.

In step S _165, if the age of the income summed's is less than 20 years old and 60 years old, in step S _166, income summed who determines whether or not the parent of applicant, if not the parent The annual income information (O) is the annual income of the applicant + (50% of the annual income of the income total) and 50% of the annual income of the applicant.

In step _S166 , if the income combiner is the parent of the applicant, the annual income of the applicant + (25% of the income combined income) and within 50% of the applicant's annual income Forehead information (P).

In step S ₁₆₁ , when each application household is a family of parents, children, uncles and uncles (aunts), an initial repayment ratio (DTI) is calculated for each household application in step S ₁₆₇ . .

Next, in step _S168 , it is determined whether or not a revenue combiner is set in addition to the applicant. If no revenue combiner is set, an application is made if the applicant's age is less than 50 years old. The annual income of the applicant is directly used as the annual income information (Q), and 70% of the annual income of the applicant is used as the annual income information (Q) when the applicant's age is 50 years or older.

In step _S168 , if a revenue combiner is set in addition to the applicant, it is determined in step _S169 whether the revenue combiner is one of the applicant's parent, spouse, or child. If it is determined that the relationship is not such, annual income information (Q) is similarly calculated.

Next, in step S _169, income summed's applicant's parent, a spouse, if any of the child, in step S _170, the age of the income summed's is at least 20 years old and 60 years old If it is out of the age, the annual income information (Q) is similarly calculated.

In step S _170, if the age of the income summed's is less than 20 years old and 60 years old, in step S _171, income summed who determines whether or not the parent of applicant, if not the parent The annual income information (R) is that the annual income of the applicant + (50% of the annual income of the combined income) and 50% of the annual income of the applicant.

In step _S171 , if the income combiner is the parent of the applicant, the annual income of the applicant + (25% of the income combined income) and within 50% of the applicant's annual income Forehead information (S).

  According to the above configuration, in order to securitize mortgage loans, the calculation logic of the initial repayment ratio (DTI) assumed by the rating agency is reflected in the securitization system as it is, and the building design / Building performance information DB3c, land and building price information DB31c, land information DB21c and debtor information DB22c house building design and building performance information, land and building price information by house, land information and debtor information Based on this, the calculation means 26 can automatically calculate.

  Since the initial repayment ratio (DTI) of a normal financial institution is different from the method of calculating the initial repayment ratio (DTI) of a rating agency, the rating agency re-calculates the initial repayment ratio (DTI) by revising the rating agency logic Although there was a need, this system does not need it. Therefore, the initial repayment ratio (DTI) calculated by this system can be provided as it is to the investors and rating agencies as receivable information and does not require any special correction processing.

  In addition, by applying stress to the person's annual income depending on the age of the mortgage applicant and the income total, the salary level when the income earner shifts to pension income is reflected in the initial repayment ratio (DTI) calculation system in advance. I can do it.

  That is, when the age is 50 years old or older, the initial repayment ratio (DTI) is calculated with 70% of the person's annual income as income. If the parent of the applicant is an income combiner, the combined income is only 25% of the parent's annual income. This is a concept specific to rating agencies, and is a concept specific to rating agencies that reflects parental death during the mortgage repayment period as a risk factor, and this is incorporated into the system for calculation.

  Regular financial institutions often add up to 50% of their parents 'annual income, so rating agencies must recalculate the revised initial repayment ratio (DTI) by replacing it with 25% of their parents' annual income. In general, these modifications are provided to investors as a modified initial repayment ratio (DTI). Also, do not give stress if the income adder is a child or spouse.

  For example, when two mortgages are set for a specific house, two people borrow a mortgage in a single-family house, and each household in a two-family house borrows a mortgage There is a case. This is automatically verified by comparing the number of kitchen sets included in the building design / building performance information transmitted from the system of the house maker 1 side with the plan number assigned to the floor plan. It is possible to determine whether or not the house is a two-family house, and it is possible to automatically change the income summing rule based on such a determination result.

  In other words, even in the same single building, in a single-family house, for example, when two couples each make a mortgage, and in a two-family house, each household forms one mortgage each. Since the calculation method of the initial repayment ratio (DTI) differs depending on the rating agency logic, the initial repayment ratio (DTI) calculation method can be automatically changed based on the above determination result.

  For example, in a single household, if a couple has a loan, the risk of arrears due to divorce is considered to increase, so stress on this risk is given to the initial repayment ratio (DTI). In fact, one of the biggest reasons for arrears is divorce.

  Specifically, the total borrowing amount of one building is totaled, and the repayment amount is calculated. Assuming that the person with a large annual income is A and the person with a small annual income is B, the annual income of A + B x 1/2 is the household annual income. Calculate as the amount (assuming this as C) and calculate the household initial repayment ratio (DTI) by the annual repayment amount / C.

  When there are multiple borrowings in one household, this household's initial repayment ratio (DTI) is the basis.

  On the other hand, if it is determined that this system is a multi-family house, the above-mentioned logic for adding up income of a single household cannot be used. That is, even in a single building, the households are independent, so the repayment of each household is automatically switched to a logic that is considered separate.

  In this case, the initial repayment ratio (DTI) calculated by dividing the annual repayment amount by 100% of the annual income for each household is calculated. If there is a total income for each household, the initial repayment ratio (DTI) is calculated by adding an amount up to 50% of the person's annual income and 50% of the person's annual income to the person's annual income.

  In addition to the above, there is a logic that always adds stress to the annual income by judging the age of the borrower and the total income. As described above, the system determines the age of the borrower, the relationship of the total income of the household, etc. on the system, and is consistent with the rating agency's way of thinking, which uses a different initial repayment ratio (DTI) calculation method for each of these cases. ing.

  Since the revenue summing logic is a logic that has undergone a prior check by the rating agency, there is no need for the investor to recalculate the initial repayment ratio (DTI).

  In addition, securitization information that reflects the risk of a decrease in annual income after retirement of the elderly, etc. by multiplying the annual income by a certain coefficient based on the age and relationship information of borrowers and income totals incorporated into the system Can be provided.

  In this way, the computing means 26 securitizes a specific mortgage based on the building design / building performance information, the land price information by residence, the land information of the house, and the debtor information associated by the information combining means 25. Whether or not to be included in a specific mortgage pool is calculated with respect to the initial repayment ratio (DTI), which is one of the most important factors in securitization.

  Although the initial repayment ratio information has been described in detail above, the calculation means 26 is configured to perform the initial repayment ratio information, the initial collateral ratio information, the seismic grade information by residence, the earth strength information, the fire resistance grade information by residence, the wind resistance grade information by residence, Whether or not to include a specific mortgage in a specific receivable pool of a mortgage to be securitized is calculated by appropriately combining at least one of the different land and building price information or the combination thereof. FIG. 23 shows an example of an outline of a specific bond pool in which a plurality of securitized mortgages calculated by the calculation means 26 are included.

  As described above, the building design / building performance information, the land and building price information according to the house, and the housing where each mortgage of the plurality of mortgages included in the specific bond pool calculated by the calculation means 26 is set. The land information and debtor information is output as securitization information by the output means 27, and based on such information, the rating agencies have the highest certainty of fulfilling debt for each specific pool of claims. "AA" with very high certainty of fulfilling debt, "A" with high certainty of fulfilling debt, "BBB" with sufficient certainty of fulfilling debt, "BB" with no certainty of fulfilling debt for the time being There is a problem with the certainty of default, “B”, the default or the concern. A defaulted loan may not be fully recovered (CCC), defaulted or very concerned. Credits that have fallen into default can be rated as “CC”, which can only be recovered to some extent, and “C”, which has fallen into default and can hardly be recovered. By taking into account, a rating reflecting the original value of a long-lived house can be implemented, and the investment risk can be reduced for investors.

  In addition, the foreign communication server 29 shown in FIG. 2 also serves as an information providing means, and the land for each residence at the timing of a periodic inspection program for a house in which a specific mortgage included in a specific bond pool is set, a renovation work or a refresh work. Regularly provide building price information to investors who have purchased securities for a particular mortgage loan in that particular pool of receivables. In addition, various information such as details of debtor information, bond information, collection information, dynamic data, static data, collection status report, attribute analysis data, etc. are regularly provided to investors.

  As an application example of the present invention, it can be used as a mortgage loan securitization information provision system and a mortgage loan securitization information provision method that can provide securitization information reflecting the original value of a long-lived house.

It is a figure which shows the structure of the control system of the securitization information provision system of the mortgage loan which concerns on this invention. It is a figure which shows the structure of the control system in a mortgage company. FIG. 5 is a flowchart showing a state in which a mortgage pre-examination application sheet is received by facsimile to correct the position of image image data, and the image image data is converted into frame line data and dext characters / symbol data to correct erroneously recognized characters. . It is a figure which shows an example of a mortgage preliminary examination application sheet. It is a figure which shows an example of a mortgage preliminary examination application sheet. It is a figure which shows an example of a mortgage preliminary examination application sheet. It is a figure which shows an example of a mortgage preliminary examination application sheet. It is a figure which shows a mode that a misrecognition character is corrected, after receiving the mortgage pre-examination application sheet by facsimile and converting image image data into frame line data and dext character / symbol data. House building design / building performance information stored in the building design / building performance information storage means provided in the data server provided by the housing manufacturer, and the land building by residence stored in the house price information storage means It is a flowchart which shows a mode that a price information and the land information and debtor information of a house respectively stored in the land information storage means and debtor information storage means provided in the data server provided in the mortgage company are combined. It is a flowchart which shows a mode that examination is performed. It is a figure which shows an example of the plan number information provided to the floor plan. It is a flowchart which shows a mode that execution of financing is approved. It is a flowchart which shows a mode that confirmation of loan execution is performed. It is a flowchart which shows a mode that debt management is performed. It is a flowchart which shows a mode that the repayment money of a mortgage is collected. It is a flowchart which shows a mode that delinquent management of the repayment money of a mortgage is performed. It is a flowchart which shows a mode that management of an advance repayment is performed. It is a figure which shows a mode that the personal credit information file, such as a loan balance, is created for personal credit information organizations. It is a figure which shows a mode that it calculates whether it includes a specific mortgage in a specific receivable pool, and outputs the securitization information of the several mortgage included in the specific receivable pool all together. It is a flowchart which shows a mode that initial repayment ratio information is calculated by a calculating means. It is a flowchart which shows a mode that initial repayment ratio information is calculated by a calculating means. It is a flowchart which shows a mode that initial repayment ratio information is calculated by a calculating means. It is a figure which shows an example of the outline | summary of the specific bond pool in which the several mortgage to be securitized calculated by the calculating means was included together. It is a matrix figure which shows the example of the calculation formula which calculates the assumed building price of the new building at the time of sale, and a used building. It is a matrix figure which shows the example of the calculation formula which calculates the assumed building price of the new building at the time of sale, and a used building. It is a matrix figure which shows the example of the construction cost magnification according to contract year as a price fluctuation rate. It is a matrix figure which shows the example of the collation reference | standard (each evaluation item and evaluation point setting) of a floor plan adjustment rate. It is a figure which shows an example of the periodic inspection program classified by house. It is a figure which shows an example of the periodic inspection program classified by house. It is a figure which shows an example of used land and building mediation performance information. It is a figure which shows an example of a used house present price list. It is a figure which shows the structure of a data structure. It is a figure which shows the structure of a data structure. It is a figure explaining an earthquake resistance grade, a wind resistance grade, and a fire resistance grade. It is a figure explaining an earthquake resistance grade, a wind resistance grade, and a fire resistance grade. It is a flowchart at the time of calculating the structure of a house. It is a figure which shows an example of the screen which sets bond pool extraction conditions. It is a figure which shows an example of a credit pool registration confirmation screen. It is a figure which shows an example of the search screen which adds a detail. It is a figure which shows an example of an addition candidate search result screen. It is a figure which shows an example of the confirmation screen of an item addition. It is a figure which shows an example of the determination screen. It is a figure which shows an example of the determination screen. It is a figure which shows an example of the building design and building performance information of a house. It is a figure which shows an example of the building design and building performance information of a house. It is a figure which shows an example of the building design and building performance information of a house. It is a figure which shows an example of the building design and building performance information of a house. It is a figure which shows an example of the building design and building performance information of a house. It is a figure which shows an example of the building design and building performance information of a house. It is a figure which shows an example of the building design and building performance information of a house. It is a flowchart explaining a mode that a debt pool is extracted. It is a flowchart explaining a mode that a debt pool is extracted. It is a figure which shows the definition table | surface for displaying a debt pool extraction result list.

Explanation of symbols

DESCRIPTION OF SYMBOLS 1 ... Housing maker 2 ... Data server 3, 3a-3c ... Building design and building performance information DB
4 ... Loan borrower 5 ... Facsimile devices 6a-6d ... Mortgage pre-examination application sheet 7 ... Public line 8 ... FAX-OCR server 9, 9a ... Border mark
10… Sheet position confirmation mark
11 ... Data conversion execution mark
12 ... Border data
12a ... Emphasis border
13 ... Text character / symbol data
13a ... Emphasized characters / symbols
14 ... Position correction means
15 ... Data conversion means
16 ... Data correction means
17 ... Cursor
18… Image data
19 ... Mortgage company
20a to 20c: Data server
21a-21c ... Land information DB
22a-22c ... Debtor Information DB
23 ... dedicated line
24 ... DB server
25. Information combination means
26 ... Calculation means
27 ... Output means
28 ... Application server
29 ... Foreign communication server
30 ... DB and WEB server
31, 31a-31c ... Land and building price information DB by residence
33 ... Product Master DB
34. Personal credit information agency
35 ... Form server
36 ... Collection agency

Claims (21)

A system for providing securitization information when securitizing mortgage loans,
Building design / building performance information storage means for storing building design / building performance information of a house for which a specific mortgage is set,
Land information storage means for storing land information of a house in which the specific mortgage is set;
Debtor information storage means for storing debtor information in which the specific mortgage is set;
Regarding a specific mortgage, the building design / building performance information stored in the building design / building performance information storage means, the land information of the house stored in the land information storage means, and the debtor information storage means Information combining means for associating the debtor information stored in
Whether to include a specific mortgage in a specific pool of receivables for a securitized mortgage based on the land information, debtor information, and building design / building performance information associated with the information combining means Computing means for computing
The building design / building performance information, land information, and debtor information of the housing where each mortgage of a plurality of mortgages included in a specific pool is calculated and output by the calculation means as securitization information Output means for
A system for providing securitization information on mortgage loans characterized by comprising: 2. The mortgage loan securitization information providing system according to claim 1, wherein the building design / building performance information of the house includes earthquake-resistant performance information of the building. 3. The mortgage loan securitization information providing system according to claim 2, wherein the building seismic performance information includes building holding horizontal strength information. The building design / building performance information of the house is stored in building design / building performance information storage means provided in a first data server provided by a house maker, and the land information and the debtor information of the house are stored. Are stored in land information storage means and debtor information storage means provided in a second data server provided in the mortgage company, respectively, and the first and second data servers are connected by a dedicated line,
House building design / building performance information stored in the building design / building performance information storage means transmitted from the first and second data servers via the dedicated line, and stored in the land information storage means The mortgage loan claim according to claim 1, wherein the land information of the house and the debtor information stored in the debtor information storage means are related to a specific mortgage by the information combining means. Securitization information provision system. At least a part of the building design / building performance information of a house with a specific mortgage, land information of a house with a specific mortgage, or debtor information with a specific mortgage Border lines for each item that can be described by characters and symbols, sheet position confirmation marks provided at three of the four corners of the sheet, and scanned image data provided at the remaining corners A mortgage pre-examination application sheet with a data conversion execution mark to be converted as data or text character / symbol data,
When the image image data of the mortgage pre-examination application sheet in which characters / symbols are written in the frame mark provided on the mortgage pre-examination application sheet is received by facsimile, the sheet position confirmation mark is identified, Position correction means for correcting the position of the received frame line mark and the image image data of the characters and symbols in the frame line mark;
Identify the data conversion execution mark when receiving the image image data of the mortgage pre-examination application sheet with characters / symbols written in the frame mark provided on the mortgage pre-examination application sheet, Data conversion means for converting the image data of the frame line mark and characters / symbols in the frame line mark into frame line data and text character / symbol data;
Data correction means capable of displaying the frame line data and text character / symbol data corrected by the position correction means and converted by the data conversion means by item and correcting the text character / symbol data in the frame line data When,
The mortgage loan securitization information providing system according to claim 1. A cursor pointed to an item displayed by the data correction means, and an emphasis frame line in which frame line data corresponding to the item where the cursor is positioned in the image data received by the facsimile in conjunction with the cursor position is emphasized 6. The mortgage loan securitization information provision system according to claim 5, wherein a list of image image data of characters / symbols in the highlighted frame line is displayed as a list. 7. The text character / symbol data obtained by converting the image / image data of characters / symbols in the emphasized frame line by the data conversion unit is highlighted in the vicinity of the periphery of the emphasized frame line. Mortgage loan securitization information provision system. The calculation means includes at least one of initial repayment ratio information, initial collateral ratio information, residence-specific earthquake resistance grade information, ground strength information, residence-specific fire resistance grade information, residence-specific wind resistance grade information, and residence-specific land and building price information. 2. The mortgage loan securitization information providing system according to claim 1, wherein whether or not a specific mortgage is included in a specific bond pool of a mortgage to be securitized is calculated. 9. The mortgage loan securitization information providing system according to claim 8, wherein the land and building price information by residence is the land and building price information by residence at the time of acquisition. The land and building price information for each house at the timing of a periodic inspection program or renovation work or refresh work for a house with a specific mortgage included in the specific bond pool, and a specific house included in the specific bond pool 9. The mortgage loan securitization information providing system according to claim 8, further comprising information providing means for periodically providing an investor who has purchased loan bond securities. The calculation means, when calculating the initial repayment ratio information, when a plurality of mortgages are set for a specific house, the building of the house stored in the building design / building performance information storage means Extract number information of kitchen sets and plan number information given to floor plans from design / building performance information,
By comparing the number information of the kitchen set with the plan number information, it is determined whether the couple has set up multiple mortgages in a single-family house or each household in a multi-family house has set up a mortgage. And
Extracting annual income information and annual repayment information from the debtor information stored in the debtor information storage means,
Revenue summation rules were changed between couples who set up multiple mortgages in the single-family house and cases where each household in the multi-family house set up a mortgage. 9. The mortgage loan securitization information providing system according to claim 8, wherein a value obtained by dividing the annual repayment amount by the annual income is calculated as the initial repayment ratio information. A method for providing securitization information when securitizing mortgage loans,
Associating the building design / building performance information, land information and debtor information of the house for which a specific mortgage is set, and based on the building design / building performance information, land information and debtor information, Calculates whether or not to include a specific loan pool for securitized mortgages, and calculates the building design for each mortgage of multiple mortgages included in the specified bond pool. A method for providing securitization information for mortgage loans, characterized in that building performance information, land information and debtor information are output as securitization information. The mortgage loan securitization information providing method according to claim 12, wherein the building design / building performance information of the house includes earthquake-resistant performance information of the building. 14. The method for providing securitization information of a mortgage loan claim according to claim 13, wherein the seismic performance information of the building includes holding horizontal strength information of the building. At least a part of the building design / building performance information of a house with a specific mortgage, land information of a house with a specific mortgage, or debtor information with a specific mortgage Border lines for each item that can be described by characters and symbols, sheet position confirmation marks provided at three of the four corners of the sheet, and scanned image data provided at the remaining corners Prepare a mortgage pre-examination application sheet with data conversion execution mark to convert as data or text character / symbol data,
When the image image data of the mortgage pre-examination application sheet in which characters / symbols are written in the frame mark provided on the mortgage pre-examination application sheet is received by facsimile, the sheet position confirmation mark is identified. The received frame line mark and the image / image data of the character / symbol within the frame line mark are corrected, and the data conversion execution mark is identified to identify the frame line mark and the character / symbol / Convert symbol image data into frame data and text / symbol data,
13. The house according to claim 12, wherein the position-corrected and converted frame line data and text character / symbol data are displayed for each item so that the text character / symbol data in the frame line data can be corrected. How to provide securitization information on loan receivables. Corresponds to the item where the cursor is pointed to the item in which the text character / symbol data in the frame line data is displayed so as to be correctable, and the item of the image image data received by facsimile linked to the cursor position. 16. The method for providing securitization information of a mortgage loan claim according to claim 15, wherein a list of emphasized frame lines in which the frame line data is emphasized and image image data of characters / symbols in the emphasized frame lines is displayed. . The mortgage loan certificate according to claim 16, wherein text characters / symbol data obtained by converting image / image data of characters / symbols in the emphasizing frame is highlighted near the periphery of the emphasizing frame. Information provision method. Based on at least one of the initial repayment ratio information, the initial collateral ratio information, the seismic grade information by residence, the earth strength information, the fire resistance grade information by residence, the wind strength grade information by residence, and the land and building price information by residence 13. The method for providing securitization information for a mortgage loan according to claim 12, wherein whether or not to include the mortgage in a specific bond pool of a mortgage to be securitized is calculated. 19. The method for providing securitization information of a mortgage loan claim according to claim 18, wherein the land and building price information by house is the land and building price information by house at the time of acquisition. The land and building price information for each residence at the timing of a periodic inspection program or renovation work or refresh work for a house with a specific mortgage included in the specific bond pool, and a specific house included in the specific bond pool 19. The method for providing securitization information for a mortgage loan claim according to claim 18, wherein the mortgage claim securities are provided periodically to investors who have purchased the securities. When calculating the initial repayment ratio information, when multiple mortgages are set for a specific house, the number of kitchen sets included in the building design / building performance information of the house, and a floor plan The plan number information given to the person is checked to determine whether the couple has set up multiple mortgages in a single-family house or each household in a multi-family house has set up a mortgage. The annual income calculated by changing the income summation rule between a single-family house and a couple who set up multiple housing loans and a case where each household in the multi-family house has a home loan. 19. The method for providing securitization information for a mortgage loan claim according to claim 18, wherein a value obtained by dividing an annual repayment amount by an amount is calculated as initial repayment ratio information.

Images