JP2010205304A - Method for providing information of housing loan claim and system for providing information of housing loan asset equipped with the same - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide an information providing system of a housing loan asset and an information providing method of the housing loan asset for providing information on which the original value of a long lifetime housing is reflected by considering the building design or building performance of the housing. <P>SOLUTION: As for a specific housing loan, the building design/building performance information of a housing stored in a building design/building performance information DB3a and the land information of the housing stored in a land information DB21a and debtor information stored in a debtor information DB22a are associated by an information association means 25, and an arithmetic means 26 performs an arithmetic operation of whether to include the specific housing loan in the specific asset pool of the securitized housing loan based on the information, and the building design/building performance information, land information and debtor information of the housing for which each housing loan of the plurality of housing loans included in the specific asset pool is set is output. <P>COPYRIGHT: (C)2010,JPO&INPIT

Description

The present invention relates to a method and system for providing information at the time of securitization 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 is made to solve the above problems, it is an object to consider the residential building design and building performance, can provide information that the original value of the life of the housing is reflected it is intended to provide cents information providing system of information providing method and mortgage loans of mortgage loans.

Representative first configuration of information providing method of mortgage loans according to the present invention for achieving the above object is achieved by an information providing method of mortgage loans using a computer system, said computer system is calculated as a result of structural calculations during the design as seismic design information by Seki, the building (1) debtor, land, buildings, and mortgage information including the funds, the residence subject to said mortgage The structural structure and fire grade evaluation information was acquired from the housing design database as the evaluation information of the frame structure calculation value or the basic structure calculation value, or as the quality performance evaluation information, and based on the periodic inspection program as the building maintenance management reform history information Acquire the results of inspection, maintenance or renovation work from the housing design database, and the maintenance renovation history of the building Step to get inspections were carried out on the basis of the periodic inspection program is broadcast, the mansion by land and buildings price information, including the assessment price of the building, which was calculated using the performance of maintenance or remodeling from the mansion by land and buildings price information database And (2) associating each information of the residence using a predetermined key code and combining the information as mortgage loan information, and (3) the seismic design information set in advance or the quality performance evaluation Information, and reference information on the maintenance management reform history information of the building, the reference information, the earthquake-resistant design information or performance evaluation information included in the mortgage loan information, and the maintenance management reform history information of the building , To determine whether a particular mortgage claim meets a particular claim pool criteria A method, characterized by having a step of outputting (4) the determination information.

Furthermore, typical structure of the information providing system of mortgage loans according to the present invention, before Kiju home loans of information providing method using the information of mortgage loans using a computer that implements the information processing It is a providing system.

According to information provided how mortgage loans according to the present invention, land information associated housing, based on the debtor information and residential buildings design and building performance information, a particular mortgage, securitized that will be calculated whether or not included in the specific pool of receivables of the mortgage, also, receivables pool number of a specific mortgage information, mortgage information, a list of building design and building performance information as information since the output, residential land information, in addition to the debtor information, can be considered a residential building design and building performance, it is possible to provide the information that the original value of the life of the house is reflected I can do it.

In addition, as the building design and building performance information of the houses, inspection of the building is a building performance information, maintenance, renovation, or earthquake, the structure on fire, or wind, the quality or the information of the performance evaluation, and further structural evaluation on Seismic By including the building's retained horizontal strength information, which is the information of the building, considering the initial design performance, maintenance, or renovation of the home, quality, durability performance, and earthquake resistance performance of the housing against horizontal external forces due to typhoons and earthquakes further it can provide information that the original value of the outstanding houses owned lateral strength is reflected.

In addition, the initial repayment ratio information as debts pool extraction conditions, the initial collateral ratio information, on the basis of residence by seismic grade information, bearing capacity information, mansion by fire resistance rating information, mansion by wind-grade information, to the mansion by land and buildings price information, It can be calculated whether a particular mortgage is included in a particular receivable pool of securitized mortgages.

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 It can provide the information.

In addition, before Symbol House by land and buildings price information, inspection of the building, maintenance and management, the evaluation using the history information of the reform has been, inspection of the building, the value of the maintenance or renovation as a valuable original houses it is possible to provide a reflection has been information, by the mansion by land and buildings price information at the time of housing acquisition it is possible to correspond to new homes and existing homes.

In addition, by elevated mansion by land and building price information at the timing of the periodic inspection program or remodeling or refresh construction work to provide regularly to investors, the securities value that it has purchased a regular basis can be confirmed .

In addition , when a couple divorces by changing the income summing rule between a single- family house and a couple who set up multiple mortgages, and each household in a multi-family house set up a mortgage. Stress on repayment delinquency risk can be given to the initial repayment ratio information, and in multi-family houses where the households are independent, the repayment ratio information that treats each household's repayments as independent can also be used. in the case where the couple has set a two-necked mortgage, two-family if each household housing has set a two-necked of housing loans, the repayment risk in accordance with the respective conditions can provide the information that has been reflected.

According to information provided system mortgage loans according to the present invention, the information processing is realized using a computer.

It is a diagram showing a configuration of a control system of the information providing system of mortgage loans according to the present 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. Calculates whether to include a particular mortgage specific receivables pool is a diagram illustrating how to output the information in a plurality of mortgages included in Everyone in the specific receivables pool. 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.

Specifically described an embodiment of the information providing system information providing method and mortgages mortgage loans according to the present invention with reference to FIG. 1 is a diagram showing a configuration of a control system of the information providing system of mortgage loans according to the present invention, a facsimile 2 is a diagram showing the configuration of a control system in the mortgage company, 3 mortgage preliminary review application sheet FIG. 4 to FIG. 7 are flowcharts showing how to correct the misrecognized characters by receiving and correcting the position of the image image data, converting the image image data into frame line data and dext character / symbol data, and FIGS. Fig. 8 shows an example of an examination application sheet. Fig. 8 shows how to correct a misrecognized character after receiving a mortgage pre-examination application sheet by facsimile and converting image data into frame line data and dext character / symbol data. Figure 9 shows the building design / building of the house stored in the building design / building performance information storage means provided in the data server provided by the housing manufacturer. The performance information, the land and building price information by residence stored in the house and land price information storage means, and the land information storage means and the debtor information storage means provided in the data server provided in the mortgage company, respectively. FIG. 10 is a flowchart showing how to combine the land information and debtor information of the house, FIG. 10 is a flowchart showing the examination, FIG. 11 is a diagram showing an example of the plan number information given to the floor plan, and FIG. Fig. 13 is a flowchart showing how to approve the execution of a loan, Fig. 13 is a flowchart showing how to confirm the execution of the loan, Fig. 14 is a flowchart showing how the loan is managed, and Fig. 15 is how the mortgage repayment is collected. FIG. 16 is a flowchart showing how to manage mortgage repayment arrears. FIG. 17 is a flowchart showing how to manage prepayment repayments. Fig. 18 shows how a personal credit information file such as loan balance is created for a personal credit information institution. Fig. 19 shows whether a specific mortgage is included in a specific bond pool. view showing a state of outputting the information of a plurality of mortgages included in Everyone creditors pool, flow FIGS. 20. 22 showing the manner of calculating the initial service ratio information by calculation means, FIG. 23 is calculating means Fig. 24 and Fig. 25 show an example of the outline of a specific pool of receivables in which multiple mortgages to be securitized included in the calculation are calculated. Fig. 24 and Fig. 25 show the estimated 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 price fluctuation rate, and Fig. 27 is an example of collation criteria (setting each evaluation item and evaluation point) of the floor plan adjustment rate. Matrix showing 28 and FIG. 29 are diagrams illustrating an example of a periodic inspection program by residence, FIG. 30 is a diagram illustrating an example of used land and building brokerage performance information, FIG. 31 is a diagram illustrating an example of a used house present price table, FIG. 33 is a diagram showing the structure of the data structure, FIGS. 34 and 35 are diagrams for explaining the earthquake resistance grade, wind resistance grade and fire resistance grade, FIG. 36 is a flowchart for calculating the structure of the house, and FIG. 38 shows an example of a credit pool registration confirmation screen, FIG. 39 shows an example of a search screen for adding details, and FIG. 40 shows an example of an additional 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 examples of determination screens, and FIGS. 44 to 50 are diagrams illustrating examples of building design / building performance information of a house. 51 and 52 are flowcharts for explaining the process of extracting the bond pool, and FIG. It is a figure which shows the definition table for displaying a rule extraction result list.

Figure 1 shows a system configuration for providing information at the time of securitization mortgage loans, Design of a building design and building performance information storage means provided in the data server 2 provided in the housing manufacturers 1 In the 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 stored. It 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)]). This makes it possible to evaluate the seismic performance 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. A position correction means 14 for identifying the sheet position confirmation mark 10 when the facsimile 18 is received and correcting the position of the received frame line mark 9 and the image image data 18 of the characters / symbols in the frame line 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 symbol data 13 is provided, and the frame line data 12 and text characters 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 A highlighted frame line 12a in which the frame line data 12 corresponding to the item in which the item is located is highlighted, and a character / symbol image image data 18 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 obliquely 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. . 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.

  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 building 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, and 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 and it outputs the output unit 27 information and debtor 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 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 S _6, perform a 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 the 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 step S _28, when the secondary authorization, building design and provided on the secondary authorized data server 20a of that particular mortgage loan examination and execution system by converting the status of the secondary approved 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, it registers the receivable information in step S _53, and registers 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, it 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. 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 It 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, it 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, it 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.

In step S _131, if the income summed who besides applicant determines whether it is set, income summed who is not configured, the application in the case the age of the applicant is less than 50 years of age 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 the parent of the 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.

In step S _142, considers summed who determines whether a parent or not the applicant, if not the parent, in step S _143, it is determined whether income combined person 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 S _144, income summed's applicant's parent, a spouse, if any of the child, in step S _145, the age of the income summed's is at least 20 years old and 60 years old 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 S _163, if the income combined person is set to other than the applicant, in step S _164, the parent income combined person of applicant, spouse, whether any of the child If it is determined that the relationship is not such, annual income information (N) is calculated in the same manner.

Next, in step S _164, income summed's applicant's parent, a spouse, if any of the child, in step S _165, the age of the income summed's is at least 20 years old and 60 years old 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 by residence, 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 it was necessary, 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.

  Also, 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 salary 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. In other words, 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).

Further, provided the age of the borrower and income summed's taken into the system, the information a risk is reflected against annual income reduction of retirement, such as the elderly by multiplying a constant coefficient relative to annual income based on relationship information I can do it.

  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 particular receivable pool of mortgage loans 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. Land information and debtor information are output by the output means 27. Based on such information, the rating agency has the highest certainty of fulfilling debt for each specific pool of receivables. `` A '' with a high degree of certainty, `` A '' with a high degree of certainty of fulfilling debt, `` BBB '' with a certainty of fulfilling debt, `` BB '' with a certainty of fulfilling debt for the time being, "B" with certainty, default or default. 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.

  The foreign exchange server 29 shown in FIG. 2 also serves as an information providing means, and is located at the timing of a periodic inspection program or renovation work or refresh work for a house with a specific mortgage included in a specific bond pool. 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.

Examples of applications of the present invention, can be utilized as information providing system information providing method and mortgage loans mortgage loans can provide information that the original value of the life of the housing is reflected.

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 (6)

An information providing method of mortgage loans using a computer system,
The computer system includes:
(1) debtor, skeleton calculated land, buildings, and mortgage information including funds, and about the premises to be the mortgage, as a result of structural calculations during the design as seismic design information of the building Obtain structural and fire grade evaluation information from the housing design database as structural calculation values or basic structural calculation value evaluation information, or quality performance evaluation information ,
Inspections as a maintenance management reform history information of the building was based on a regular inspection program, to get the performance of maintenance or remodeling from residential design database,
Land price information for each house, including the appraisal price of the building calculated based on the results of inspection, maintenance or renovation work based on the periodic inspection program that is the maintenance management reform history information of the building. Obtaining from the price information database ;
(2) correlating the information of the residence using a predetermined key code and combining the information as mortgage loan information;
(3) Referring to the reference information about the preset earthquake-resistant design information or the quality performance evaluation information and the building maintenance management reform history information, the reference information and the mortgage loan information are included Determining whether or not a particular mortgage claim satisfies a particular claim pool criteria by comparing earthquake-resistant design information or performance evaluation information and building maintenance and renovation history information; and
(4) outputting the determination information;
Information providing method of mortgage loans which is characterized in that it has a. In addition ,
(5 ) Using the judgment information included in the mortgage loan information of a plurality of residences, setting a claim pool extraction condition determined to satisfy a specific claim pool criteria, and corresponding to the claim pool extraction condition Extracting mortgage loan information of a plurality of residences determined to satisfy a specific loan pool standard , assigning a loan pool number to each mortgage loan information, and registering the information in a computer system;
Information providing method of mortgage loans according to claim 1, characterized in that it comprises a. In step (5) of claim 2, for each mortgage claim information of a plurality of residences, a claim pool extraction condition having an extraction limit for each construction site according to the composition ratio of the postal code of the construction site is set Has been
Extract mortgage loan information of multiple residences that meet the bond pool extraction conditions,
A step of assigning a debt pool number to each mortgage claim information and registering it in a computer system;
Information providing method of mortgage loans according to claim 2, characterized in that it comprises a. The periodic inspection program for a house with a specific mortgage included in the specific bond pool, the land and building price information by residence at the timing of renovation work or refresh work, the specific house included in the specific bond pool information providing method of mortgage loans according to any one of claims 1-3, characterized in that to provide regularly to the investors who purchased the securities of loans. An information providing method of mortgage loans using a computer system,
The computer system includes:
(1) Mortgage information including debtor, land, building, and funds, building design / building performance information on the residence subject to the mortgage, and appraisal price of the land or building of the residence subject to the mortgage A land and building price information for a certain house, obtaining each of the information;
(2) correlating the information of the residence using a predetermined key code and combining the information as mortgage loan information;
(3) Set the receivable pool extraction condition using the initial repayment ratio information included in the mortgage loan receivable information of multiple residences, extract the mortgage receivable information of multiple residences corresponding to the receivable pool extraction condition, Assigning a loan pool number to the mortgage loan information and registering it in the computer system;
I have a,
The initial repayment ratio information is
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 is checked against the plan number information given to the floor plan. Determine whether the couple in the single-family house has set up multiple mortgages or whether each household in the multi-family house has set up a mortgage. Change the income summing rule between each of the above-mentioned multi-family houses and the case where each household has set a mortgage, and calculate it as the value obtained by dividing the annual repayment amount by the annual income calculated by each income summing rule information providing method of mortgage loans which is characterized in that. Claim 1-5 What Re one mortgage information providing system using a computer to realize the processing with the information providing method of mortgage loans according to Section.

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