JP4544548B1 - Asset exchange support device, asset exchange support program, and asset exchange support method - Google Patents

Abstract

PROBLEM TO BE SOLVED: To exchange information on property adjustments for non-recourse loans and provide information on the adjustment of the difference in the value of assets and the necessity of prepayment of the balance of loans corresponding to non-recourse loans Provide support devices.
SOLUTION: A user terminal operated by a user of an exchange market system who is the owner of a property subject to a non-recourse loan is connected to the exchange market system through a communication network, and a user who wants to exchange an article Access the exchange market system from the user terminal and search the property information database for property information that meets the desired conditions. For properties that match your wishes, not only a list of property attribute information etc. is output, but also the adjustment amount of the difference in the evaluation value of the property to be exchanged, the loan corresponding to the non-recourse loan attached after the exchange The balance, the repayment amount necessary for the advance repayment of the loan corresponding to the non-recourse loan, and the like are calculated and output according to the candidate property list.
[Selection] Figure 1

Description

  The present invention relates to an asset exchange support apparatus, an asset exchange support program, and an asset exchange support method that support the exchange of assets such as real estate subject to a non-recourse loan.

  An owner of an asset such as real estate may want to replace the owned asset with another asset. If the secondary market is in place, such as real estate, stocks, and used cars, sell assets that you own in the market, and buy other assets with the funds you have acquired through the purchase of new assets. Is possible.

  However, if two transactions, sale and purchase of assets, are performed in order to repurchase the asset, in addition to the payment of fees, etc. for each transaction, the asset that was desired to be repurchased due to the time lag from sale to purchase is purchased. In some cases, it may not be possible to do so or the price may fluctuate.

  On the other hand, if the asset to be replaced is specified in advance, if it can be directly exchanged with the owned asset, it is advantageous in terms of transaction cost and price fluctuation risk. In order to exchange assets such as real estate, it is necessary to perform processes such as matching assets that match both parties' desires and adjusting exchange conditions. Therefore, an invention that uses a computer to improve the efficiency of such processes has been disclosed. (For example, refer to Patent Documents 1 and 2).

JP 2002-207812 A JP-T-2002-541561

  In these inventions, in order to improve the efficiency of the process up to the replacement, a desired property is searched using a computer, a list of candidate properties is output (paragraph 0044 of Patent Document 2, etc.), and a computer network is used. Negotiations between exchange applicants (Patent Document 1, paragraph 0082, etc.) are disclosed, but loans associated with the acquisition of assets (such as mortgages that have procured funds to acquire housing) However, it has not been studied how it can be handled on the system in exchange.

  Loans to raise funds for acquiring assets are often recourse loans that obligors are obligated to repay with full power, but even if an agreement is reached on the exchange of assets between the parties, If it is a recourse type loan, it is necessary to handle it at each responsibility, and if the asset to be exchanged has a collateral right, the loan will be repaid and the new loan secured by the asset acquired through the exchange Must be formed. Such loan refinancing is one of the factors that make it difficult to exchange assets because it generates additional fees and labor to deal with loan reviews.

  On the other hand, in recent years, loans called non-recourse loans that limit the debtor's repayment obligation to the scope of the target assets have been used. In a non-recourse loan, regardless of the debtor's creditworthiness, the repayment source is limited to the cash flow generated from the target asset, so if the loan accompanying the asset to be exchanged is a non-recourse loan, It is assumed that assets can be exchanged together with the loan, which facilitates exchange and facilitates asset exchange.

  In this way, when an asset is exchanged with a non-recourse loan attached, when selecting an asset to be exchanged, not only the asset attributes but also the value of the asset and the balance of the non-recourse loan It is necessary to consider the difference and the like, and a response to a unique problem that is not found in the inventions of Patent Documents 1 and 2 is required.

  The present invention has been made to cope with such a problem, and is an asset exchange support device, an asset exchange support program, and an asset exchange support method for supporting the exchange of assets such as real estate subject to a non-recourse loan. Is intended to provide.

1st invention which solves the subject concerning this application is an asset exchange support device which supports exchange of the object assets of a non-recourse loan, and about the exchangeable object asset of a non-recourse loan, the evaluation value of each asset, Asset information storage means for storing asset information including attributes and balance of loans corresponding to non-recourse loans, and users operated by users who are the owners of non-recourse loan target assets and wish to exchange assets At least one of information for identifying asset information related to an asset owned by the user and desired to be exchanged stored in the asset information storage means from the terminal, and an evaluation value or attribute of the asset desired to be exchanged with the asset from a desired condition acceptance unit for accepting desired conditions of assets to be specified replacement target, to identify the asset information which the desired condition receiving unit receives information, wherein The owned asset specifying means for reading the asset information of the asset owned by the user and desired to be exchanged stored in the production information storage means, and the asset information stored in the asset information storage means are searched, and the desired condition An asset information search unit that identifies an asset that meets the desired condition received by the reception unit, reads asset information of each identified asset, an evaluation value of the asset included in the asset information read by the owned asset identification unit, and The user owns the exchange from the balance of the loan corresponding to the non-recourse loan, the evaluation value of the asset included in the asset information read by the asset information search means, and the balance of the loan corresponding to the non-recourse loan. and valuation of an asset that occurs when replacing each asset that matches the desired conditions and assets, said assets owned certain means included in the asset information read to Settlement amount of the difference in the value of the asset to be identified from the difference in the value of the assets included in the serial asset information retrieval means asset information read, the non-recourse loans the owned property specifying means is included in the asset information read The balance of the loan corresponding to the non-recourse loan at the time of exchange identified from the smaller of the balance of the corresponding loan and the balance of the loan corresponding to the non-recourse loan included in the asset information read by the asset information search means When the balance of the loan corresponding to the non-recourse loan included in the asset information read by the owned asset identification unit exceeds the balance of the loan corresponding to the non-recourse loan included in the asset information read by the asset information search unit The minimum amount of repayment required for prepayment of the loan corresponding to the non-recourse loan specified from the excess amount Exchange condition calculation means for calculating one as an exchange condition for each asset, and for each asset identified by the asset information search means, the settlement amount, the balance of the loan corresponding to the non-recourse loan, or the repayment Candidate asset output means for causing the user terminal to output information including at least one of the amount as an exchange condition as information on candidate assets to be exchanged for assets owned by the user and desired to be exchanged An asset exchange support device characterized by the above.

A second invention that solves the problem relating to the present application is an asset exchange support device that supports the exchange of non-recourse loan target assets, with respect to replaceable non-recourse loan target assets, Asset information storage means for storing asset information including attributes and balance of loans corresponding to non-recourse loans, and users operated by users who are the owners of non-recourse loan target assets and wish to exchange assets Asset information receiving means for receiving asset information including an evaluation value of an asset owned by the user and desired to be exchanged from a terminal and a loan balance corresponding to a non-recourse loan, and exchanging the asset from the user terminal A desired condition receiving means for receiving a desired condition of an asset to be exchanged specifying at least one of an evaluation value or an attribute of an asset for which the asset is desired, and the asset information Asset information stored in the payment means, asset information search means for identifying assets that match the desired conditions received by the desired condition receiving means, and reading asset information of each identified asset; and the assets Corresponds to the evaluation value of assets included in the asset information received by the information receiving means and the balance of the loan corresponding to the non-recourse loan, and the evaluation value of assets included in the asset information read by the asset information searching means and the non-recourse loan Assets included in the asset information received by the asset information receiving means, which are generated when the assets owned by the user and desired to be exchanged are exchanged with the respective assets that match the desired conditions , from the loan balance settlement amount of the difference in the value of the asset to be identified from the difference in the value of the assets included in the valuation and the asset information retrieval means asset information read in, the asset information Identified from the lesser of the balance of the loan corresponding to the non-recourse loan included in the asset information received by the reception means and the balance of the loan corresponding to the non-recourse loan included in the asset information read by the asset information search means included in the balance of the loan that corresponds to non-recourse loans during replacement is, the asset information asset information balance of the loan that corresponds to non-recourse loan has read the asset information retrieval means accepting means is included in the asset information accepted If the balance of the loan corresponding to the non-recourse loan is exceeded , at least one of the repayment amount required for the prepayment of the loan corresponding to the non-recourse loan specified from the excess amount will be used as an exchange condition for each asset For each asset specified by the exchange condition calculation means to be calculated and the asset information search means, the precision is calculated. Information on candidate assets to be exchanged for assets owned by the user and exchanged for at least one of the balance, the balance of the non-recourse loan, or the repayment amount as an exchange condition. An asset exchange support apparatus comprising: candidate asset output means for outputting to a terminal.

  In the present invention, with respect to the valuation value of the owned asset and the balance of the loan corresponding to the non-recourse loan, the valuation value of each asset that matches the desired condition such as the attribute of the asset to be exchanged and the non-recourse loan are supported. From the balance of the loan to be calculated, the settlement amount of the difference in the evaluation value of the asset, the balance of the loan corresponding to the non-recourse loan at the time of exchange, the repayment amount necessary for the advance repayment of the loan corresponding to the non-recourse loan, etc. However, by configuring this information to be output, when considering the exchange of assets owned by owners of non-recourse loans, such as real estate, only information about the attributes of the candidate assets Funds required for the exchange of assets from information such as the adjustment of the difference in the value of assets and the necessity of prepayment of the balance of loans corresponding to non-recourse loans, It becomes possible to check the balance of the loan corresponding to the non-recourse loan, which will be held debt to 換後.

  In the present invention, the loan to be exchanged together with assets such as real estate, in principle, is a non-recourse loan, but if it is a non-recourse loan that does not depend on the creditworthiness of the debtor at the time of exchange Therefore, for example, it is possible to include a recourse-type loan in which the creditor of the loan has previously approved the change to the non-recourse loan. Therefore, the balance and advance repayment amount of the loan to be exchanged in the present invention is not limited to the non-recourse loan but includes a recourse-type loan that can be changed to a non-recourse loan. It becomes the balance and advance repayment amount.

  In the present invention, in the first invention, the asset owner stores the asset information including the evaluation value of the asset, the attribute, and the balance of the non-recourse loan in advance in the asset information storage means. On the other hand, in the second invention, when the asset owner requests a search for an asset that is a candidate for exchange, the asset information including the evaluation value of the owned asset, the attribute, and the balance of the non-recourse loan is obtained from the user. Enter.

  In addition, the present invention accepts selection of one or more assets as assets that the user desires to exchange from among the assets that the candidate asset output means outputs as information on candidate assets from the user terminal. An asset selection accepting means, and an exchange request recording means for recording information indicating that an exchange request has been accepted in the asset information corresponding to the asset information storage means for the asset that the asset selection accepting means has accepted. It can also be characterized by providing.

  In this way, by configuring the asset information in the asset information storage means to record information indicating that an exchange request has been received, for example, when the asset owner selects an asset that he / she wants to exchange, the selected asset It is possible to notify the owner of the asset that there is a request for replacement, or to notify both owners of the asset that the request has been met when both of the replacement requests are met.

  Further, according to the present invention, the desired condition receiving means corresponds to a settlement amount of a difference in an evaluation value of an asset generated when an asset is exchanged, a loan balance corresponding to a non-recourse loan at the time of exchange, and a non-recourse loan The condition regarding at least one of the repayments required for the advance repayment of the loan to be received is accepted as a desired condition of the asset to be exchanged, and the exchange condition calculation unit calculates the asset calculated from each asset specified by the asset information search unit. An asset information selection means for selecting an asset whose payment amount, a loan balance corresponding to the non-recourse loan, or the repayment amount matches a desired condition accepted by the desired condition acceptance means; The asset output means allows the user terminal to output information on the asset selected by the asset information selection means as information on the candidate asset. It can also be characterized.

  In this way, the settlement amount of the difference in the valuation value of the asset, the balance of the non-recourse loan at the time of replacement, the repayment amount necessary for the advance repayment of the non-recourse loan are designated as the desired conditions, and only assets that meet the desired conditions are specified. By selecting and outputting as a candidate property, the user exchanges while considering the funds obtained with the exchange, necessary funds, and the balance of non-recourse loans that will be indebted after the exchange. It becomes possible to consider the desired asset.

  Further, according to a first aspect of the present invention, the exchange condition calculation means includes an asset evaluation value included in the asset information read by the owned asset identification means and the asset information search means as an adjustment amount of the difference between the asset evaluation values. The difference between the valuation values of the assets included in the read asset information is used as the loan balance corresponding to the non-recourse loan at the time of replacement, and the loan corresponding to the non-recourse loan included in the asset information read by the owned asset identification means is used. The smaller amount of the balance and the balance of the loan corresponding to the non-recourse loan included in the asset information read by the asset information search means is set as the repayment amount necessary for the advance repayment of the loan corresponding to the non-recourse loan. The asset information search means reads the loan balance corresponding to the non-recourse loan included in the asset information read by the owned asset identification means. The amount of excess in the case of exceeding the balance of the loan that corresponds to non-recourse loans included in the resource information may also be characterized by calculating as the exchange condition.

  Further, according to a second aspect of the present invention, the exchange condition calculation means includes an asset evaluation amount included in the asset information received by the asset information reception means and an asset information search means as an adjustment amount of the difference between the asset evaluation values. The difference between the evaluation values of the assets included in the read asset information is used as the loan balance corresponding to the non-recourse loan at the time of replacement, and the loan corresponding to the non-recourse loan included in the asset information received by the asset information receiving means The smaller amount of the balance and the balance of the loan corresponding to the non-recourse loan included in the asset information read by the asset information search means is set as the repayment amount necessary for the advance repayment of the loan corresponding to the non-recourse loan. The asset information retrieval unit reads the balance of the loan corresponding to the non-recourse loan included in the asset information received by the asset information reception unit. The amount of excess in the case of exceeding the balance of the loan that corresponds to non-recourse loans included in the resource information may also be characterized by calculating as the exchange condition.

  When configured as described above, in the first and second inventions, a loan corresponding to a difference between an evaluation value of an owned asset and an evaluation value of an asset that meets a desired condition, and a non-recourse loan for the owned asset Balance between the balance of the loan and the balance of the loan corresponding to the non-recourse loan for the asset that meets the desired conditions, the adjustment amount of the difference in the valuation of the asset, the balance of the loan corresponding to the non-recourse loan at the time of exchange, non-recourse Exchange conditions such as the repayment amount necessary for the advance repayment of the loan corresponding to the loan can be calculated.

  Further, the present invention provides a market price information storage means for storing information relating to a market price of an asset related to a non-recourse loan target asset, and an asset in which asset information is stored in the asset information storage means from the market price information storage means. Asset information updating means for acquiring information related to the market price of the related asset and updating the evaluation value of the asset included in the asset information by reflecting the information related to the market price may be provided.

  If comprised in this way, it will become possible to update the evaluation value of the asset contained in the asset information of the asset information storage means to reflect the market price, and to present more accurate information to the user.

  The present invention can also be specified as an asset exchange support program provided in the asset exchange support apparatus according to the present invention.

The asset exchange support program corresponding to the first invention is an asset exchange support program for supporting the exchange of non-recourse loan target assets, and for the exchangeable non-recourse loan target assets, the evaluation value of each asset, A computer that has asset information storage means for storing asset information including attributes and balances of loans corresponding to non-recourse loans is owned by a non-recourse loan target asset and a user who wants to exchange assets. Information for identifying asset information related to the asset owned by the user and desired to be exchanged, stored in the asset information storage means, and the evaluation amount or attribute of the asset desired to be exchanged with the asset, from the user terminal to be operated at least one and exchanged specifying a desired condition accepting step of accepting a desired condition of assets comprising, receiving at the desired conditions accepting step of An asset identification step for reading asset information of an asset owned by the user and desired to be exchanged, stored in the asset information storage means, and stored in the asset information storage means. The asset information is searched, the asset that matches the desired condition received in the desired condition receiving step is identified, the asset information retrieval step for reading the asset information of each identified asset, and the read in the owned asset identification step From the asset evaluation amount included in the asset information and the loan balance corresponding to the non-recourse loan, and the asset evaluation amount included in the asset information read in the asset information search step and the loan balance corresponding to the non-recourse loan occurs when replacing each asset that matches the user the desired conditions and asset desired to replace owns, the Settlement amount of the difference in the value of the asset to be identified from the difference in the value of the assets included in the valuation and the read asset information in the asset information retrieval step of assets included in asset information read in closed asset specifying step, Either the balance of the loan corresponding to the non-recourse loan included in the asset information read out in the owned asset identification step or the balance of the loan corresponding to the non-recourse loan included in the asset information read out in the asset information search step Assets whose loan balance corresponding to the non-recourse loan at the time of exchange specified from the amount and the balance of the loan corresponding to the non-recourse loan included in the asset information read in the owned asset identification step is read in the asset information search step If the loan balance corresponding to the non-recourse loan included in the information is exceeded, it will be exceeded An exchange condition calculation step for calculating at least one of the repayment amounts required for the advance repayment of the loan corresponding to the non-recourse loan specified from the amount as an exchange condition for each asset, and each of the asset information search steps specified in the asset information search step Candidates for exchanging information that includes at least one of the settlement amount, the loan balance corresponding to the non-recourse loan, or the repayment amount as an exchange condition for the asset that the user desires to exchange. A candidate asset output step to be output to the user terminal as information relating to an asset is executed.

The asset exchange support program corresponding to the second invention is an asset exchange support program for supporting the exchange of non-recourse loan target assets, and for the exchangeable non-recourse loan target assets, the evaluation value of each asset, A computer that has asset information storage means for storing asset information including attributes and balances of loans corresponding to non-recourse loans is owned by a non-recourse loan target asset and a user who wants to exchange assets. From the user terminal to be operated, an asset information reception step for receiving asset information including the evaluation amount of the asset owned by the user and desired to be exchanged and the balance of the loan corresponding to the non-recourse loan, from the user terminal, Accepting the desired condition of the asset to be exchanged, specifying at least one of the evaluation value or attributes of the asset desired to be exchanged with the asset A desired condition receiving step, and asset information stored in the asset information storage means is searched to identify an asset that matches the desired condition received in the desired condition receiving step, and the asset information of each identified asset Included in the asset information retrieval step, the asset evaluation value included in the asset information received in the asset information reception step and the loan balance corresponding to the non-recourse loan, and the asset information read out in the asset information retrieval step. The asset information reception that occurs when the user owns an asset that the user desires to exchange and each asset that matches the desired condition from the asset evaluation value and the loan balance corresponding to the non-recourse loan Asset evaluation value included in asset information received in step and asset included in asset information read in asset information search step Settlement amount of the difference in the value of the asset to be identified from the difference in the value, read by the balance between the asset information retrieval step loan corresponding to non-recourse loans included in the resource information received by the resource information receiving step assets The loan balance corresponding to the non-recourse loan at the time of exchange specified from the smaller amount of the loan balance corresponding to the non-recourse loan included in the information, the non-recourse loan included in the asset information received in the asset information receiving step If the balance of the loan corresponding to the course loan exceeds the balance of the loan corresponding to the non-recourse loan included in the asset information read out in the asset information search step, it corresponds to the non-recourse loan specified from the excess amount Calculate at least one of the repayments required for prepayment of the loan as a condition for replacing each asset Information including at least one of the settlement amount, the balance of the loan corresponding to the non-recourse loan, or the repayment amount for each asset identified in the asset information search step. A candidate asset output step for causing the user terminal to output information as candidate assets to be exchanged for assets owned by the user and desired to be exchanged.

  The present invention can also be specified as an asset exchange support method executed by the asset exchange support apparatus or the asset exchange support program according to the present invention.

The asset exchange support method corresponding to the first invention is an asset exchange support method that supports the exchange of non-recourse loan target assets, and each of the exchangeable non-recourse loan target assets is evaluated for each asset. A computer with asset information storage means that stores asset information including amount, attributes, and loan balances corresponding to non-recourse loans is the owner of the non-recourse loan target asset and wishes to exchange assets Information for identifying asset information related to assets owned and exchanged by the user stored in the asset information storage means, and an evaluation value of the asset desired to be exchanged with the asset, from the user terminal operated by the user or a desired condition accepting step of accepting a desired condition of the asset to be replaced specifying at least one attribute, the computer, the desired conditions accepted From information identifying the asset information accepted by step, and assets owned specifying step of said user stored in the resource information storage unit reads the asset information asset desired to replace owns, the computer, the asset Searching for asset information stored in the information storage means, identifying an asset that matches the desired condition received in the desired condition receiving step, and reading the asset information of each identified asset; The computer evaluates the assets included in the asset information read out in the owned asset identification step and the balance of the loan corresponding to the non-recourse loan, the asset evaluation values included in the asset information read out in the asset information search step, and from the balance of the loan corresponding to the non-recourse loan, the desired conditions and assets that the user wishes to exchange owns Occur when replacing each asset that matches, the valuation of the assets included in the asset information read by said asset information searching step and valuation of the assets included in the read asset information in the assets owned specifying step Included in the adjustment amount of the difference in the valuation value of the asset specified from the difference, the balance of the loan corresponding to the non-recourse loan included in the asset information read in the owned asset specification step, and the asset information read in the asset information search step The balance of the loan corresponding to the non-recourse loan at the time of exchange specified from the smaller amount of the balance of the loan corresponding to the non-recourse loan that is specified, the non-recourse loan included in the asset information read in the owned asset identification step A non-recourse loan in which the balance of the corresponding loan is included in the asset information read out in the asset information search step. If the balance of the loan corresponding to the loan is exceeded , at least one of the repayment amounts required for the advance repayment of the loan corresponding to the non-recourse loan specified from the excess amount is calculated as an exchange condition for each asset. An exchange condition calculation step, and for each asset specified by the asset information search step, the exchange amount is at least one of the settlement amount, the loan balance corresponding to the non-recourse loan, or the repayment amount. A candidate asset output step for causing the user terminal to output information including candidate information to be exchanged for an asset owned by the user and desired to be exchanged. It is.

The asset exchange support method corresponding to the second aspect of the invention is an asset exchange support method for supporting the exchange of non-recourse loan target assets, and for each non-recourse loan target asset that can be exchanged, the evaluation value of each asset A computer equipped with asset information storage means for storing asset information, including asset information, including loan balances corresponding to non-recourse loans, is the owner of the non-recourse loan target asset and wishes to exchange assets An asset information receiving step for receiving asset information including an evaluation value of an asset owned by the user and desired to be exchanged and a balance of a loan corresponding to a non-recourse loan, from the user terminal operated by the computer, and the computer, The desired condition of the asset to be exchanged that specifies at least one of the evaluation value or attribute of the asset desired to be exchanged with the asset from the user terminal A desired condition receiving step for receiving the asset, and the computer searches the asset information stored in the asset information storage means to identify an asset that matches the desired condition received in the desired condition receiving step. An asset information search step for reading asset information of the asset of the asset, an evaluation value of the asset included in the asset information received by the computer in the asset information reception step, a loan balance corresponding to a non-recourse loan, and the asset information search Exchange the asset owned by the user and desired to be exchanged with each asset that meets the desired conditions , based on the asset evaluation value included in the asset information read in the step and the loan balance corresponding to the non-recourse loan. It occurs when the evaluation value of the assets included in the asset information accepted by the resource information receiving step assets Settlement amount of the difference in the value of the asset to be identified from the difference in the value of the assets included in the asset information read in broadcast searching step, corresponding to the non-recourse loans included in the resource information received by the resource information receiving step loan balance and the balance of the loan that corresponds to non-recourse loans when replacing identified from any small amount of outstanding loan corresponding to non-recourse loans included in the asset information retrieval read asset information in step, the When the loan balance corresponding to the non-recourse loan included in the asset information received in the asset information reception step exceeds the balance of the loan corresponding to the non-recourse loan included in the asset information read out in the asset information search step Repayment required for prepayment of loan corresponding to non-recourse loan specified from excess amount An exchange condition calculation step for calculating at least one of the amounts as an exchange condition for each asset, and a loan corresponding to the settlement amount and the non-recourse loan for each asset specified by the computer in the asset information search step Candidate asset output that causes the user terminal to output information including at least one of the balance or the repayment amount as an exchange condition, as information on a candidate asset to be exchanged with an asset that the user wants to exchange And a step of supporting asset exchange.

  When considering the exchange of assets such as real estate subject to non-recourse loans according to the present invention, the adjustment amount of the difference in the valuation of assets, the balance of loans corresponding to non-recourse loans, the necessity of prepayment, etc. By presenting information on the non-recourse loan, it will be possible to grasp the funds required for the asset exchange and the balance of the loan corresponding to the non-recourse loan that will be indebted after the exchange. It is expected that the exchange of target assets will be promoted and contribute to the activation of the secondary market of real estate.

It is a figure which shows the outline | summary of embodiment of the asset exchange assistance apparatus concerning this invention. It is a block diagram which shows the structure of the asset exchange assistance apparatus concerning this invention. It is a figure which shows the flow of registration of the property information by the asset exchange assistance apparatus concerning this invention. It is a figure which shows the flow of the property search used as the exchange candidate by the asset exchange assistance apparatus concerning this invention. It is a figure which shows the flow of the property list output used as the exchange candidate by the asset exchange assistance apparatus concerning this invention. It is a figure which shows the flow of a record of the exchange hope to the property information by the asset exchange assistance apparatus concerning this invention. It is a figure which shows the 1st pattern (before exchange) of the asset exchange with a non-recourse loan. It is a figure which shows the 1st pattern (after exchange) of the asset exchange with a non-recourse loan. It is a figure which shows the 2nd pattern (before exchange) of the asset exchange with a non-recourse loan. It is a figure which shows the 2nd pattern (after exchange) of the asset exchange with a non-recourse loan. It is a 1st flowchart which shows the processing flow by the asset exchange assistance apparatus concerning this invention. It is a 2nd flowchart which shows the processing flow by the asset exchange assistance apparatus concerning this invention. It is a flowchart which shows the processing flow which calculates the adjustment amount etc. of property evaluation in the asset exchange assistance apparatus concerning this invention.

  Embodiments for carrying out the present invention will be described below in detail with reference to the drawings. In the following, an example in which the present invention is applied to real estate exchange will be described, but the assets to which the present invention is applied are not limited to real estate. The following description shows an example of an embodiment of the present invention, and information included in a database, information output to a terminal, and the like are not limited to such an embodiment.

  FIG. 1 shows an outline of an embodiment of an asset exchange support apparatus according to the present invention. An exchange market system (asset exchange support device) that supports asset exchange manages property information related to real estate that is a target property (target asset) of a non-recourse loan. The property information database of the exchange market system contains non-reliable information from the administrator terminal operated by the administrator of the exchange market system and the user terminal operated by the user of the exchange market system who is the owner of the non-recourse loan property. Property information related to real estate that is the subject property of the course loan is entered and updated.

  The exchange market system and the user terminal are connected via a communication network such as the Internet, and the user who wants to exchange the property accesses the exchange market system from the user terminal and matches the desired condition in the property information database. Search for information. For applicable properties, not only a list of property attribute information etc., but also the settlement of the difference in the evaluation value of the property to be exchanged, the balance of non-recourse loans after replacement attached to the property, The repayment amount necessary for the advance repayment of the course loan is calculated and output together as information on the candidate property.

  In the present invention, the loan accompanying the target property is not necessarily required to be a non-recourse loan at the time of registration of the property information, but as a non-recourse loan that does not depend on the creditworthiness of the debtor at the time of exchange. Anything that can be exchanged with the property is acceptable. For example, it includes recourse loans that have been approved by a financial institution that is a loan creditor in advance to change to a non-recourse loan, or recourse loans that automatically switch to a non-recourse loan after a certain period of time. You can also. In the detailed description of the embodiment below, the loan recorded in the property information will be described as a non-recourse loan, but the non-recourse loan balance and the advance repayment amount described here are non-recourse as exemplified above. It may include the balance of the recourse type loan corresponding to the loan and the prepayment amount.

  The block diagram of FIG. 2 shows the configuration of the asset exchange support apparatus according to the present invention. The exchange market system 10 corresponding to the asset exchange support apparatus according to the present invention includes an article information registration unit 11, an exchange article search unit 12, an exchange request recording unit 13, an evaluation amount update unit 14, an exchange information notification unit 15, and an article information. A database 16, a market price database 17, and a user information database 18 are provided. The exchange property search unit 12 includes an owned property specification unit 121, a property search unit 122, a settlement amount calculation unit 123, a loan balance calculation unit 124, a prepayment amount calculation unit 125, and a candidate property output unit 126.

  The exchange market system 10 uses a computer such as a Web server connected to a communication network such as the Internet, and includes a CPU, a main memory, and an HDD. When a predetermined function is realized by operating an application program stored in the HDD, the application program is read into the main memory, and arithmetic processing is executed by the CPU.

  The property information registration unit 11, the exchange property search unit 12, the exchange request recording unit 13, the evaluation value update unit 14, the exchange information notification unit 15, the owned property specifying unit 121 included in the exchange property search unit 12, and the property search unit 122, the settlement amount calculation unit 123, the loan balance calculation unit 124, the advanced repayment amount calculation unit 125, and the candidate property output unit 126 are all functionally specified, and applications corresponding to these functions Each function is realized by reading the program from the HDD into the main memory and executing arithmetic processing by the CPU.

  The property information database 16, the market price database 17, and the user information database 18 are allotted a predetermined storage area of the computer HDD, but the physical configuration of the computer used to store these information is particularly limited. It may be assigned to the HDD of the same computer as the computer provided with the property information registration unit 11 or the like, or stored in another computer constituting the database server, and the property information registration unit 11 or the like It may be read by a computer provided with.

  The exchange market system 10 is connected to an administrator terminal 20 operated by an administrator of the exchange market system 10 through a communication network such as a LAN, and inputs information from the administrator terminal 20 to the property information database 16. Can do. The type of computer used for the administrator terminal 20 is not particularly limited, and for example, a personal computer may be used.

  The exchange market system 10 is connected to a user terminal 30 operated by a user of the exchange market system 10 who is the owner of the target property of the non-recourse loan through a communication network such as the Internet. Information stored in the database 16 can be searched. The type of computer used for the user terminal 30 is not particularly limited, and for example, a personal computer may be used.

  Based on the above configuration, the specific operation of each part of the asset exchange support apparatus (exchange market system 10) according to the present invention will be described with reference to FIGS. 3 to 6 and the flowcharts of FIGS. .

  FIG. 3 shows a flow of registration of property information by the exchange market system 10. The property information database 16 provided in the exchange market system 10 stores property information of properties that the owner considers exchangeable for real estate such as houses that are subject to non-recourse loans. As illustrated in FIG. 3, records provided for each property include property identification numbers, information for identifying the owner, property attribute information such as address and building structure, property evaluation value, property Information related to the loan such as the balance of the accompanying non-recourse loan (in the case of a recourse-type loan that can be changed to a non-recourse loan, it may include conditions for changing to a non-recourse loan), others Property information such as whether or not there is an exchange request from is stored.

  The property information stored in the property information database 16 is operated by the administrator terminal 20 operated by the administrator of the exchange market system 10 or the user of the exchange market system 10 who is the owner of the non-recourse loan target property. The information input from the user terminal 30 is received by the property information registration unit 11 and written into the property information database 16.

  Moreover, it is preferable that the latest information reflecting the time is stored in the evaluation value of the property included in the property information. The exchange market system 10 is provided with a market price database 17 for storing information on the market price of real estate such as publicly announced land prices and transaction examples, and an evaluation value update unit 14 is periodically activated to evaluate the value of each property. Re-washing is performed. The market price database 17 may be an external database connected to the exchange market system 10 via a communication network.

  There is no particular limitation on the method for reassessment of the evaluation value of the property. The evaluation value update unit 14 is generally used such as an evaluation based on the publicly announced land price in the neighborhood, an evaluation based on similar transaction examples, etc. The real estate appraisal algorithm used may be adopted in the program to calculate the appraisal value and update the property information.

  FIG. 4 shows a flow of property search as an exchange candidate by the exchange market system 10, and FIG. 5 shows a flow of property list output as an exchange candidate by the exchange market system 10. The flow of processing will be described below with reference to the flowchart of FIG.

  The user of the exchange market system 10 who is the owner of the target asset of the non-recourse loan and desires to exchange the asset operates the user terminal 30 to access the exchange market system 10. The user inputs the ID for identifying the user, the password for authenticating the user, the property code for identifying the property owned by the user, and the desired conditions for the property to be exchanged. Is accepted by the exchange market system 10 (S01).

  In the exchange market system 10 that has received the information, the user information database 18 is searched (S02), and the received user ID is valid ID or the received password is associated with the ID in the user information database 18. Then, it is confirmed whether it matches the password registered in advance, and user authentication is performed (S03).

  If the identity of the user cannot be confirmed, error processing is performed. On the other hand, if it is confirmed that the user is the owner, the owned property specifying unit 121 is activated, the property information database 16 is searched (S04), and the property information in which the received user ID is the owner. It is confirmed whether or not the property information corresponding to the accepted property code is included, and it is confirmed whether or not the user is the owner of the designated property (S05).

  FIG. 4 shows an example of a part of information input by the user. In this example, the property code “001” specified by the user “A” in the property information database 16 is displayed. When the information is confirmed, since the owner is “Class A”, it is confirmed that the user is the owner of the property designated by the user.

  If it is not confirmed that the property is the owner of the property, error processing is performed. On the other hand, if it is confirmed that the owner is the property, the property information corresponding to the accepted property code is read from the property information database 16 (S06).

  In addition, about the method of acquiring the property information of the property which a user owns, it is not restricted to the method of reading the property information corresponding to the property code which the user specified so far from the property information database 16, In the present invention described later, information that needs to be included in the property information may be input to the user terminal 30 together with the desired conditions and received from the user terminal 30.

  Subsequently, the property search unit 122 is activated to search for property information that matches the received desired condition in the property information stored in the property information database 16 (S07). If the corresponding property information does not exist here, a screen for notifying the user terminal 30 that there is no corresponding property is output, and the process ends. On the other hand, if the corresponding property information exists, the property information matching the desired conditions is read from the property information database 16 (S08), and the property corresponding to the property information is exchanged with the property owned by the user. A settlement amount necessary for settlement of the difference in the evaluation value of the property generated (executed by the settlement amount calculation unit 123), a balance of the non-recourse loan attached to the property at the time of the property exchange (by the loan balance calculation unit 124) Execution), the repayment amount (executed by the advance repayment amount calculation unit 125) that requires prepayment for the non-recourse loan in order to match the balance at the time of property exchange is calculated (S09). This process is repeated for all property information that matches the desired conditions (S10).

  For all property information that meets the desired conditions, the settlement amount required to settle the difference in property evaluation value, the balance of non-recourse loans attached to the property at the time of property replacement, and the balance at the time of property replacement When the repayment amount that requires prepayment for non-recourse loans to be matched is calculated, the candidate property output unit 126 is activated, and in addition to information regarding the attributes and the like of each property that is a replacement candidate, these calculations A list of candidate properties for exchange for displaying the result is created (S11), transmitted to the user terminal 30 and output to a display or the like (S12).

  An example of the candidate property list is shown on the user terminal 30 side in FIG. 5. For each property that is a candidate for replacement, the adjustment amount of the difference in evaluation value that occurs when the property is replaced, the non-recourse loan at the time of replacement The amount of repayment required for prepayment of non-recourse loans is displayed, so users considering exchanging properties will not only have an overview of the candidate properties, but also the funds required for exchanging the properties (settlement amount) And prepayment repayment amount), it is suitable for considering replacement of a property with a non-recourse loan.

  In the example of FIG. 5, three properties with property codes “101”, “201”, and “301” match the desired conditions specified by the user. Settlement amount necessary to settle the difference in the valuation value of the property, balance of non-recourse loan accompanying the property when the property is exchanged, repayment of non-recourse loan advance repayment required to exchange the property The amount is calculated as follows.

  For properties owned by the user, the appraisal value is 50 million yen and the balance of non-recourse loans is 30 million yen, whereas the appraisal value of the property with property code "101" is 40 million yen, The balance of course loans is 20 million yen. Therefore, when these properties are exchanged, the user receives 10 million yen, which is the difference in evaluation value. Since the balance of non-recourse loans must be matched to be the same at the time of exchange, the balance at the time of exchange will be 20 million yen, which is the smaller, and users will repay the non-recourse loan 10 million yen before exchange. (By the way, in this case, 10 million yen received as the settlement amount can be used for prepayment, so the burden on the user is practically zero).

  For the property code “201”, the appraised value is 50 million yen, and the balance of non-recourse loans is 25 million yen. Therefore, when these properties are exchanged, there is no difference in the evaluation value, so there is no settlement amount. The balance at the time of replacement of non-recourse loans will be 25 million yen, which is the smaller, and users will need to repay non-recourse loans by 5 million yen before replacement (in this case, the user Additional funds are required for the prepayment of 5 million yen).

  For the property code “301”, the appraised value is 60 million yen, and the balance of non-recourse loans is 30 million yen. Therefore, when these properties are exchanged, the user pays 10 million yen for the difference in evaluation value. Since the balance of non-recourse loans is the same amount, there is no need for prepayment (in this case, the user will need an additional 10 million yen to pay to the doll).

  The algorithm for calculating the adjustment amount of the difference in evaluation amount, the balance of the non-recourse loan, and the advance repayment amount will be described in more detail with reference to FIGS. 7 to 10 are cases where the evaluation value of the property (property A) owned by the user (the former) who desires replacement is higher than the evaluation value of the candidate property (property B). FIG. 8 (after exchange) shows the case where the balance of the accompanying non-recourse loan is higher in the property (property A) owned by the user (former) than the candidate property (property B), FIG. (After exchange) is a case where the balance of the accompanying non-recourse loan is less in the property (property A) owned by the user (former) than in the candidate property (property B). Note that in the case where the evaluation value of the property owned by the user (the user A) is lower than the evaluation value of the candidate property, the property owned by the user (the user A) may be considered as the candidate property (the property B).

  In the case of FIG. 7, the amount obtained by subtracting the evaluation value b of the candidate property (property B) from the evaluation value a of the property (property A) owned by the user (former A) is the settlement amount, as shown in FIG. The user (A) receives ab from the owner (O) of the candidate property.

  On the other hand, the balance of the accompanying non-recourse loan is matched to the smaller one at the time of exchange, so the balance x of the non-recourse loan of the property (Property A) owned by the user (Class A) is set to the non-recourse of the candidate property (Property B). The loan balance will be reduced to y. Therefore, as shown in FIG. 8, it is necessary for the user (the former) to repay the x-y to the creditor of the non-recourse loan by the time of the exchange and to match the balance with y.

  Here, if the ab received as the settlement amount is equal to or more than the amount of the prepayment amount, the prepayment can be made by the settlement amount, so the user (the former) needs to raise new funds. However, if ab is less than xy, funding of (xy)-(ab) is required.

  In the case of FIG. 9 as well, in the case of FIG. 7, the settlement amount is obtained by subtracting the evaluation value b of the candidate property (property B) from the evaluation value a of the property (property A) owned by the user (former A). As shown in FIG. 10, the user (the former) receives ab from the owner (the second) of the candidate property.

  On the other hand, since the balance of the accompanying non-recourse loan is matched to the smaller one at the time of replacement, the non-recourse loan balance y of the candidate property (Property B) is used as the non-recourse of the property (Property A) owned by the user (Class A). The loan balance is reduced to x. Therefore, as shown in FIG. 10, the owner (Otsu) of the candidate property needs to repay y-x to the creditor of the non-recourse loan by the time of exchange and match the balance with x.

  In this case, since there is no need for the user (the former) to make a prepayment, the ab received as the settlement amount becomes the surplus fund as it is. On the other hand, the owner (B) of the candidate property is required to pay (xy) + (ab) because payment of ab is required and xy advance payment is required. Will be needed. As described above, according to the present invention, it is possible to provide useful information for determining replacement of a property with a non-recourse loan.

  In these examples, in order to raise funds for acquiring Property A and Property B, A and B may use a recourse type loan in addition to a non-recourse loan (for example, Japanese Patent No. 4383507). With the invention disclosed in the issue, it is possible to output loan conditions in which non-recourse and recourse frames are set according to the creditworthiness of the debtor and the evaluation of the target asset). In such a case, the balance x, y of the non-recourse loan will be subject only to the balance of the non-recourse frame portion, and the debtor will repay the recourse frame portion by the time the property is replaced. It is required to keep.

  FIG. 13 is a flowchart showing the algorithm of such an operation, and details of the processing in S09 of the flowchart of FIG. 11 are shown. First, the difference between the evaluation value a of the property (Property A) owned by the user (Class A) and the evaluation value b of the candidate property (Property B) is calculated (S090). The amount is determined to be 0 (S092). If a> b (S093), the settlement amount is determined to be received ab (S094), and if a <b (S093), the settlement amount is determined to be ab payment (S095).

  Next, the difference between the balance x of the non-recourse loan of the property (Property A) owned by the user (Class A) and the balance y of the non-recourse loan of the candidate property (Property B) is calculated (S096), and x = y or If x <y (S097), the balance of the non-recourse loan at the time of exchange is x, and the prepayment amount is determined to be 0 (S098). If x> y (S097), the balance of the non-recourse loan at the time of exchange is y, and the prepayment amount is determined to be xy (S099).

  In the flow of outputting the candidate property list described above, the desired conditions for the property to be exchanged specified by the user include the conditions related to the properties of the property such as address, time required to the station, floor plan and building age As well as the settlement amount generated by the difference from the valuation amount with the property owned by itself, the balance of the non-recourse loan that will be indebted after the exchange, the upper limit of the prepayment of the non-recourse loan that occurs at the time of the balance exchange Etc. can also be specified.

  In this way, when the advanced payment amount such as the adjustment amount is designated as the desired condition, in the flowchart of FIG. 11, the calculation of the adjustment amount etc. is performed for all candidate properties that match the desired condition regarding the attribute in S10. After the completion, from the settlement amount calculated for these candidate properties, further narrow down and select properties that meet the conditions such as the settlement amount specified as the desired condition, and in S11 the candidate property list from only the selected properties Should be created.

  FIG. 6 shows the flow of a record of the exchange request to the property information by the exchange market system 10. The processing flow will be described below with reference to the flowchart of FIG.

  When the user selects a property to be exchanged from the candidate property list output to the user terminal 30, the property code of the selected property is transmitted and accepted by the exchange market system 10 (S13). In the exchange market system 10, the exchange request recording unit 13 is activated, and it is recorded in the property information corresponding to the property code received in the property information database 16 that there is an exchange request (S14).

  When recording the exchange request here, it is preferable to write the property code of the property owned by the user together so that the other party can confirm the property information of the property owned by the user. In the example shown in FIG. 6, the property code “001” of the property owned by the user “A” is written in the record of the property code “101” selected as the exchange request.

  Subsequently, the exchange information notification unit 15 is activated, and the property owner is specified from the property information of the selected property by the user ID or the like (S15), and the user information database 18 is searched (S16). If the user information of the owner of the selected property is confirmed (S17), the notification destination to the user such as an e-mail address included in the user information is read out (S18), and the user wishes to replace it with the owned property An exchange information notification for notifying that the person has appeared is created (S19), and the notification is transmitted by e-mail or the like (S20).

  Note that the timing for sending the exchange information notification is not limited to when the exchange request is recorded from either one as described above, but when the exchange request records from both owners of the property match. That is, when the both parties search and select a property that they want to exchange, and the mutual exchange request is recorded in the property information of the property owned by both, the exchange information notification unit 15 stores it in the property information database 16 It may be configured to detect a match of the exchange request recorded in the property information and send a notification to both owners. However, with this method, it is expected that the probability of matching both exchange requests will be considerably reduced, so that the property information stored in the property information database 16 can be configured to record a plurality of exchange requests. Therefore, it is preferable to increase the probability that the exchange request is met.

10 Exchange market system (assets exchange support device)
11 Property Information Registration Unit 12 Exchange Property Search Unit 121 Owned Property Identification Unit 122 Property Search Unit 123 Settlement Amount Calculation Unit 124 Loan Balance Calculation Unit 125 Advance Repayment Amount Calculation Unit 126 Candidate Property Output Unit 13 Exchange Request Recording Unit 14 Evaluation Value Update Unit 15 Exchange Information Notification Unit 16 Property Information Database 17 Market Price Database 18 User Information Database 20 Administrator Terminal 30 User Terminal

Claims (9)

An asset exchange support device that supports the exchange of non-recourse loan target assets,
Asset information storage means for storing asset information including the valuation amount and attributes of each asset and the balance of the loan corresponding to the non-recourse loan for the target assets of the non-recourse loan that can be exchanged;
From the user terminal operated by the user who wants to exchange the asset who is the owner of the non-recourse loan target asset, the asset owned by the user stored in the asset information storage means and desired to be exchanged Desired condition receiving means for receiving information for specifying asset information, and a desired condition of the asset to be exchanged specifying at least one of the evaluation value or attribute of the asset desired to be exchanged with the asset;
From the information for identifying the asset information received by the desired condition receiving means, the owned asset specifying means for reading the asset information of the asset owned by the user and desired to be exchanged stored in the asset information storage means;
Asset information search means for searching for asset information stored in the asset information storage means, identifying assets that match the desired conditions received by the desired condition receiving means, and reading asset information of each identified asset; ,
The valuation amount of the asset included in the asset information read by the owned asset identification means and the balance of the loan corresponding to the non-recourse loan, the valuation amount of the asset included in the asset information read by the asset information search means, and the non-recourse loan Included in the asset information read by the owned asset identification means , which occurs when the user owns the asset that the user wants to exchange and the asset that matches the desired condition , from the balance of the loan corresponding to In the asset information read out by the owned asset specifying means , the adjustment amount of the difference in the asset evaluation value specified from the difference between the asset evaluation value included in the asset information read out by the asset information retrieval means The loan balance corresponding to the included non-recourse loan and the row corresponding to the non-recourse loan included in the asset information read by the asset information search means. Any small balance loans corresponding to non-recourse loans when replacing identified from the forehead, the assets owned the remaining balance of the loan corresponds to the non-recourse loan account that certain measures are included in the asset information read out of balance If the balance of the loan corresponding to the non-recourse loan included in the asset information read by the information search means is exceeded , at least the repayment amount necessary for prepayment of the loan corresponding to the non-recourse loan specified from the excess amount An exchange condition calculation means for calculating one as an exchange condition for each asset;
For each asset specified by the asset information search means, the user has information including at least one of the settlement amount, a loan balance corresponding to the non-recourse loan, or the repayment amount as an exchange condition. Candidate asset output means for causing the user terminal to output information on candidate assets to be exchanged for assets desired to be exchanged,
An asset exchange support device comprising: An asset exchange support device that supports the exchange of non-recourse loan target assets,
Asset information storage means for storing asset information including the valuation amount and attributes of each asset and the balance of the loan corresponding to the non-recourse loan for the target assets of the non-recourse loan that can be exchanged;
From the user terminal operated by the user who wants to exchange the asset, who is the owner of the target asset of the non-recourse loan, it corresponds to the evaluation value of the asset that the user wants to exchange and the non-recourse loan An asset information receiving means for receiving asset information including a loan balance;
Desired condition accepting means for accepting the desired condition of the asset to be exchanged specifying at least one of the evaluation value or attribute of the asset desired to be exchanged with the asset from the user terminal;
Asset information search means for searching for asset information stored in the asset information storage means, identifying assets that match the desired conditions received by the desired condition receiving means, and reading asset information of each identified asset; ,
The asset evaluation amount included in the asset information received by the asset information reception means and the loan balance corresponding to the non-recourse loan, and the asset evaluation amount included in the asset information read out by the asset information search means and the non-recourse loan Included in the asset information received by the asset information receiving means , which occurs when the asset owned by the user and desired to be exchanged and each asset that matches the desired conditions are exchanged from the loan balance corresponding to The asset information received by the asset information receiving means, and the asset information received by the asset information receiving means. The loan balance corresponding to the included non-recourse loan and the row corresponding to the non-recourse loan included in the asset information read by the asset information search means. Any small balance loans corresponding to non-recourse loans when replacing identified from the forehead, the asset information receiving means wherein the balance of the loan corresponds to the non-recourse loan assets included in the asset information received out of balance If the balance of the loan corresponding to the non-recourse loan included in the asset information read by the information search means is exceeded , at least the repayment amount necessary for prepayment of the loan corresponding to the non-recourse loan specified from the excess amount An exchange condition calculation means for calculating one as an exchange condition for each asset;
For each asset specified by the asset information search means, the user owns information that includes at least one of the settlement amount, the balance of the non-recourse loan, or the repayment amount as a replacement condition, and wishes to exchange it. Candidate asset output means for causing the user terminal to output information on candidate assets to be exchanged for assets to be exchanged,
An asset exchange support device comprising: Asset selection receiving means for receiving selection of one or more assets as assets that the user desires to exchange among assets that the candidate asset output means outputs from the user terminal as information on candidate assets;
A replacement request recording unit that records information indicating that a replacement request has been received in the corresponding asset information of the asset information storage unit for the asset that the asset selection reception unit has received a selection;
The asset exchange support apparatus according to claim 1, further comprising: The desired condition accepting means is used to settle the difference between the valuation values of assets, the balance of the loan corresponding to the non-recourse loan at the time of replacement, and the advance repayment of the loan corresponding to the non-recourse loan. Accepting the conditions for at least one of the required repayments as the desired condition for the asset to be exchanged,
From the respective assets specified by the asset information search means, either the payment amount calculated by the exchange condition calculation means, the loan balance corresponding to the non-recourse loan, or the repayment amount is the desired condition reception means. It has asset information selection means to select assets that match the received desired conditions,
The asset according to any one of claims 1 to 3, wherein the candidate asset output means causes the user terminal to output information on the asset selected by the asset information selection means as information on the candidate asset. Exchange support device. Market price information storage means for storing information on the market price of assets related to the non-recourse loan target asset;
From the market price information storage means, obtain information on the market price of the asset related to the asset whose asset information is stored in the asset information storage means, and reflect the information on the market price to evaluate the value of the asset included in the asset information Asset information updating means for updating
The asset exchange support apparatus according to any one of claims 1 to 4, further comprising: An asset exchange support program that supports the exchange of assets subject to non-recourse loans,
A computer equipped with asset information storage means for storing asset information including a valuation amount, an attribute of each asset, and a balance of the loan corresponding to the non-recourse loan, for the target assets of the non-recourse loan that can be exchanged,
From the user terminal operated by the user who wants to exchange the asset who is the owner of the non-recourse loan target asset, the asset owned by the user stored in the asset information storage means and desired to be exchanged A desired condition receiving step for receiving information specifying the asset information, and a desired condition of the asset to be exchanged specifying at least one of the evaluation value or attribute of the asset desired to be exchanged with the asset;
From the information for identifying the asset information received in the desired condition receiving step , the owned asset specifying step for reading the asset information of the asset owned by the user and desired to be exchanged stored in the asset information storage means;
An asset information search step for searching asset information stored in the asset information storage means, identifying an asset that matches the desired condition received in the desired condition receiving step, and reading the asset information of each identified asset; ,
The value of the asset included in the asset information read in the owned asset identification step and the balance of the loan corresponding to the non-recourse loan, and the value of the asset included in the asset information read in the asset information search step and the non-recourse loan Included in the asset information read in the owned asset identification step that occurs when the user owns an asset that the user wants to exchange and each asset that matches the desired condition from the balance of the loan corresponding to To the adjustment amount of the difference between the evaluation value of the asset specified from the difference between the asset evaluation value included in the asset information read out in the asset information retrieval step and the asset information read out in the owned asset identification step. The balance of the loan corresponding to the included non-recourse loan and the non-reco included in the asset information read in the asset information search step The balance of the loan that corresponds to non-recourse loans when replacing identified from any small amount of outstanding loan corresponding to Sloan, loan corresponding to non-recourse loans included in the assets owned asset information read in specifying step Necessary for advance repayment of a loan corresponding to a non-recourse loan that is specified from the excess amount if the balance exceeds the balance of the loan corresponding to the non-recourse loan included in the asset information read in the asset information search step An exchange condition calculation step for calculating at least one of the repayment amounts as an exchange condition for each asset;
For each asset specified in the asset information search step, the user has information including at least one of the settlement amount, a loan balance corresponding to the non-recourse loan, or the repayment amount as an exchange condition. Candidate asset output step for causing the user terminal to output information on candidate assets to be exchanged with assets desired to be exchanged,
An asset exchange support program characterized in that An asset exchange support program that supports the exchange of assets subject to non-recourse loans,
A computer equipped with asset information storage means for storing asset information including a valuation amount, an attribute of each asset, and a balance of the loan corresponding to the non-recourse loan, for the target assets of the non-recourse loan that can be exchanged,
From the user terminal operated by the user who wants to exchange the asset, who is the owner of the target asset of the non-recourse loan, it corresponds to the evaluation value of the asset that the user wants to exchange and the non-recourse loan An asset information reception step for receiving asset information including a loan balance;
A desired condition receiving step for receiving a desired condition of an asset to be exchanged, which specifies at least one of an evaluation value or an attribute of the asset desired to be exchanged with the asset, from the user terminal;
An asset information search step for searching asset information stored in the asset information storage means, identifying an asset that matches the desired condition received in the desired condition receiving step, and reading the asset information of each identified asset; ,
Asset evaluation amount and non-recourse loan balance included in the asset information received in the asset information reception step, and asset evaluation amount and non-recourse loan included in the asset information read out in the asset information search step from the balance of the corresponding loan occurs when replacing each asset that matches the desired conditions and assets which the user desires to exchange owned, included in the resource information received by the resource information receiving step To the asset information received in the asset information reception step , the adjustment amount of the difference between the asset evaluation value identified from the difference between the asset evaluation value included in the asset information read in the asset information retrieval step and the asset information received in the asset information reception step The balance of the loan corresponding to the included non-recourse loan and the non-reco included in the asset information read in the asset information search step The balance of the loan that corresponds to non-recourse loans when replacing identified from any small amount of outstanding loan corresponding to Sloan, loan corresponding to non-recourse loans included in the asset information asset information received at the reception step Necessary for advance repayment of a loan corresponding to a non-recourse loan that is specified from the excess amount if the balance exceeds the balance of the loan corresponding to the non-recourse loan included in the asset information read in the asset information search step An exchange condition calculation step for calculating at least one of the repayment amounts as an exchange condition for each asset;
For each asset specified in the asset information search step, the user has information including at least one of the settlement amount, a loan balance corresponding to the non-recourse loan, or the repayment amount as an exchange condition. Candidate asset output step for causing the user terminal to output information on candidate assets to be exchanged with assets desired to be exchanged,
An asset exchange support program characterized in that An asset exchange support method for supporting the exchange of assets subject to non-recourse loans,
For non-recourse loans that can be exchanged, a computer having asset information storage means for storing asset information including the value of each asset, the attributes, and the balance of the loan corresponding to the non-recourse loan is a non-recourse loan. Asset information on the asset owned by the user and desired to be exchanged, stored in the asset information storage means, from the user terminal operated by the user who wishes to exchange the asset. A desired condition accepting step for accepting desired conditions of the asset to be exchanged specifying at least one of the information to be identified and the evaluation value or attribute of the asset desired to be exchanged with the asset;
Owned asset specifying step of reading out asset information of the asset owned by the user and desired to be exchanged stored in the asset information storage means from the information specifying the asset information received in the desired condition receiving step When,
An asset in which the computer searches the asset information stored in the asset information storage means, identifies an asset that matches the desired condition received in the desired condition receiving step, and reads out the asset information of each identified asset An information retrieval step;
The computer evaluates the assets included in the asset information read in the owned asset identification step and the balance of the loan corresponding to the non-recourse loan, and the assets evaluated in the asset information read in the asset information search step And a loan balance corresponding to a non-recourse loan, which is read out in the owned asset identification step , which occurs when the user owns an asset that the user desires to exchange and each asset that matches the desired condition . The adjustment amount of the difference between the evaluation value of the asset specified from the difference between the evaluation value of the asset included in the asset information and the evaluation value of the asset included in the asset information read in the asset information search step, read out in the owned asset specification step The loan balance corresponding to the non-recourse loan included in the asset information and the asset information read in the asset information search step Recourse contained in one small corresponding to non-recourse loans when replacing identified from the amount loan balance, asset information read out by the owner asset specific step of the outstanding loan corresponding to non-recourse loans included in Loan corresponding to the non-recourse loan specified from the excess amount when the balance of the loan corresponding to the loan exceeds the balance of the loan corresponding to the non-recourse loan included in the asset information read in the asset information search step An exchange condition calculation step for calculating at least one of the repayment amounts necessary for the advance repayment as an exchange condition for each asset;
For each asset identified in the asset information search step, the computer uses information including at least one of the settlement amount, a loan balance corresponding to the non-recourse loan, or the repayment amount as an exchange condition. A candidate asset output step to be output to the user terminal as information on a candidate asset to be exchanged for an asset owned and desired to be exchanged,
An asset exchange support method characterized by comprising: An asset exchange support method for supporting the exchange of assets subject to non-recourse loans,
For non-recourse loans that can be exchanged, a computer having asset information storage means for storing asset information including the value of each asset, the attributes, and the balance of the loan corresponding to the non-recourse loan is a non-recourse loan. From the user terminal operated by the user who wants to exchange the asset, the value of the asset that the user wants to exchange and the balance of the loan corresponding to the non-recourse loan An asset information receiving step for receiving asset information including:
A desired condition receiving step for receiving a desired condition of an asset to be exchanged by designating at least one of an evaluation value or an attribute of the asset desired to be exchanged with the asset from the user terminal;
An asset in which the computer searches the asset information stored in the asset information storage means, identifies an asset that matches the desired condition received in the desired condition receiving step, and reads out the asset information of each identified asset An information retrieval step;
The computer evaluates the asset value included in the asset information received in the asset information reception step and the balance of the loan corresponding to the non-recourse loan, and the asset evaluation value included in the asset information read out in the asset information search step Received from the balance of the loan corresponding to the non-recourse loan and received in the asset information receiving step , which occurs when the user owns the asset that the user desires to exchange and each asset that matches the desired condition . Recognized in the asset information accepting step , the adjustment amount of the difference between the asset appraisal value specified from the difference between the asset appraisal value included in the asset information and the asset appraisal value read in the asset information retrieval step. The loan balance corresponding to the non-recourse loan included in the asset information and the asset information read in the asset information search step Recourse contained in non-recourse loans outstanding loan corresponding to non-recourse loans when replacing identified from any small amount of the balance of the corresponding loan, asset information accepted by the resource information receiving step included in Loan corresponding to the non-recourse loan specified from the excess amount when the balance of the loan corresponding to the loan exceeds the balance of the loan corresponding to the non-recourse loan included in the asset information read in the asset information search step An exchange condition calculation step for calculating at least one of the repayment amounts necessary for the advance repayment as an exchange condition for each asset;
For each asset identified in the asset information search step, the computer uses information including at least one of the settlement amount, a loan balance corresponding to the non-recourse loan, or the repayment amount as an exchange condition. A candidate asset output step to be output to the user terminal as information on a candidate asset to be exchanged for an asset owned and desired to be exchanged,
An asset exchange support method characterized by comprising: