JP7477701B1 - Support system for housing-related businesses - Google Patents

Abstract

[Problem] To provide a support system for housing-related businesses that enables housing-related businesses to know status information in the loan amount simulation step, the pre-screening step, and the main screening step, and to obtain notifications of provisional approval and official approval.
[Solution] The server executes step 50 for registering a housing-related contractor, step 51 for setting a person in charge, steps 75 and 79 for registering a customer, step 61 for displaying a customer list, and step 61 for displaying status information. In step 61 for displaying status information, the server displays the status information as to whether a simulation of the available loan amount is in progress, whether a simulation of the available loan amount has been completed, whether pre-screening is in progress, whether pre-screening has been approved, whether pre-screening has been rejected, whether the main screening is in progress, whether the main screening has been approved, or whether the main screening has been rejected, and issues a notice of provisional approval or a notice of formal approval to the housing-related contractor upon a request for issuance from the customer.
[Selected Figure] Figure 1

Description

The present invention relates to a support system for housing-related businesses that allows them to check the details and progress of their customers' mortgage applications.

According to the housing loan borrowing support method proposed in Patent Document 1, a person who wishes to borrow a housing loan can know the approximate loanable amount before the main screening and preliminary screening with less information than is required for the main screening and preliminary screening. This not only eliminates the inconvenience of not being able to obtain a housing loan after a property has been decided, but also makes it easier to search for properties by being able to search for properties based on the loanable amount.

Patent No. 6938122

However, property searches are generally conducted through housing-related businesses, and if the housing-related businesses could check the details and progress of the customer's mortgage application and receive notifications of provisional approval and official approval, they would be able to proceed with the process more quickly and accurately.

The present invention aims to provide a support system for housing-related businesses that allows them to know status information in the loan amount simulation step, the pre-screening step, and the actual screening step, and to receive notifications of provisional approval and official approval.

The support system for housing-related businesses of the present invention described in claim 1 receives, from a mortgage applicant, application information for screening including at least personal information about the applicant, including the applicant's name, date of birth, and sex; loan information including a purchase budget, a desired loan amount, a repayment period, and property information; and occupational information including the name of the applicant's place of employment, the applicant's affiliation and employment type at the employer, the job content at the employer, and the annual salary at the employer, together with certificate data required for the application information, and determines whether the applicant can obtain the mortgage, and transmits the result of the determination to the applicant. a pre-screening step 20 for judging whether or not the mortgage can be obtained based on pre-screening application information including at least the personal information, the borrowing information, and the occupational information before the main screening step 30 is performed, and transmitting the pre-screening result to the borrower; and a pre-screening step 21 for judging whether or not the mortgage can be obtained based on pre-screening application information including at least the personal information, the borrowing information, and the occupational information before the pre-screening step 20 is performed, a loanable amount simulation step 10 for calculating an available loan amount for the housing loan applicant using necessary diagnostic information including at least the applicant's status, the capital of the employer, the job type and position at the employer, and the annual income at the employer, and transmitting the calculated available loan amount to the applicant; and providing status information in the loanable amount simulation step 10, the preliminary screening step 20, and the main screening step 30 to housing-related businesses that have the applicant as a client, the system for supporting housing-related businesses, the system comprising: a housing-related business registration step 50 for prompting the housing-related business applicant to register the housing-related business applicant; a person in charge setting step 51 for prompting the housing-related business applicant to set a person in charge; customer registration steps 75 and 79 for registering the customers that the person in charge of registered in the person in charge setting step 51 is in charge of; a customer list display step 61 for displaying a customer list for the customers registered in the customer registration steps 75 and 79 to the person in charge; and a status information display step 61 for displaying the status information about the customer. In the status information display step 61, when the server has not yet calculated the available loan amount in the available loan amount simulation step 10, the status information is set to available loan amount simulation in progress, when the server has calculated the available loan amount in the available loan amount simulation step 10, the status information is set to available loan amount simulation completed, when the server has not performed a pre-judgment in the pre-judgment step 20, the status information is set to pre-judgment in progress, when the server has performed a pre-judgment in the pre-judgment step 20 and the result of the pre-judgment has been approved, the status information is set to pre-judgment approved, when the server has performed a pre-judgment in the pre-judgment step 20 and the result of the pre-judgment has been rejected, the status information is set to pre-judgment rejected, when the server has not performed a judgment in the main screening step 30, the status information is set to main screening in progress, and when the server has not performed a judgment in the main screening step 30, the status information is set to main screening in progress. and when the server executes a judgment in the main review step 30 and the judgment result is approved, the status information is displayed as "main review approved", and when the server executes a judgment in the main review step 30 and the judgment result is rejected, the status information is displayed as "main review rejected". When the status information is in the state of pre-review approval, a notice of provisional approval is issued to the housing-related contractor upon a request from the customer, and when the status information is in the state of main review approval, a notice of formal approval is issued to the housing-related contractor upon a request from the customer. In the customer registration steps 75 and 79, the server embeds contractor identification data assigned to the housing-related contractor registered in the housing-related contractor registration step 50 and person in charge identification data assigned to the person in charge set in the person in charge setting step 51 into a two-dimensional code and transmits the two-dimensional code to a contractor terminal used by the person in charge, and a customer terminal used by the customer who registers reads the two-dimensional code displayed on the person in charge terminal and transmits approval data to the server, whereby the server links the person in charge with the customer for processing .
The present invention as described in claim 2 is characterized in that, in the support system for housing-related contractors as described in claim 1 , if the status information is "simulating the available loan amount" and "simulating the available loan amount has been completed," the server extracts the information required for diagnosis, and if the status information is "in progress of pre-screening,""pre-screeningapproved," and "pre-screening rejected," the server extracts the pre-screening application information, and if the status information is "in progress of main screening,""main screening approved," and "main screening rejected," the server extracts the screening application information and displays the extracted information required for diagnosis, the extracted pre-screening application information, and the extracted screening application information to the housing-related contractor.
The present invention as set forth in claim 3 is the housing-related contractor support system as set forth in claim 1 , characterized in that the server accepts input of the property information from the person in charge.

According to the present invention, housing-related businesses can know the status information in the loan amount simulation step, the pre-screening step, and the main screening step, and can also receive notifications of provisional approval and official approval, so they can confidently select the most suitable property for their customers and complete the procedures quickly and accurately.

A conceptual diagram showing the flow of a housing loan screening process that is the premise of a support system for housing-related businesses according to an embodiment of the present invention. A conceptual diagram showing the processing flow of the support system for housing-related businesses

A support system for home-related businesses according to a first embodiment of the present invention includes a home-related business registration step in which a server prompts home-related businesses to register themselves, a person in charge setting step in which a home-related business registered in the home-related business registration step prompts a home-related business person to set a person in charge, a customer registration step in which the person in charge registered in the person in charge setting step registers customers to be handled by the person in charge, a customer list display step in which a customer list of the customers registered in the customer registration step is displayed to the person in charge, and a status information display step in which status information of the customers displayed in the customer list display step is displayed. In the status information display step, when the server has not yet calculated the available loan amount in the available loan amount simulation step, the status information is set to "available loan amount simulation in progress", when the server has calculated the available loan amount in the available loan amount simulation step, the status information is set to "available loan amount simulation completed", when the server has not performed a pre-judgment in the pre-judgment step, the status information is set to "pre-judgment in progress", and when the server has performed a pre-judgment in the pre-judgment step and the result of the pre-judgment has been approved, the status information is set to "pre-judgment approved", However, when a pre-judgment is made in the pre-judgment step and the result of the pre-judgment is rejected, the status information is displayed as pre-judgment rejected, and when the server has not made a judgment in the main screening step, the status information is displayed as main screening in progress, and when the server has made a judgment in the main screening step and the result of the judgment is approved, the status information is displayed as main screening approved, and when the server has made a judgment in the main screening step and the result of the judgment is rejected, the status information is displayed as main screening rejected.When the status information is in a state of pre-judgment approval, a notice of provisional approval is issued to the housing-related contractor in response to a request from the customer, and when the status information is in a state of main screening approval, a notice of formal approval is issued to the housing-related contractor in response to a request from the customer.In the customer registration step, the server embeds the contractor identification data assigned to the housing-related contractor registered in the housing-related contractor registration step and the person in charge identification data assigned to the person in charge set in the person in charge setting step into a two-dimensional code and transmits it to the contractor terminal used by the person in charge, and the customer terminal used by the customer who is registering reads the two-dimensional code displayed on the person in charge terminal and transmits the approval data to the server, whereby the server links the person in charge with the customer for processing . According to this embodiment, housing-related businesses can know the status information in the loan amount simulation step, the pre-screening step, and the main screening step, and can also receive notifications of provisional approval and official approval, so they can select the property that is most suitable for the customer with peace of mind and can complete the procedures quickly and accurately.In addition, personal information is not leaked illegally, and the person in charge and the customer can be linked for processing.

In the second embodiment of the present invention, in the support system for housing-related contractors according to the first embodiment, if the status information indicates "Loanable amount simulation in progress" and "Loanable amount simulation completed", the server extracts the diagnosis necessary information, if the status information indicates "Preliminary screening in progress", "Preliminary screening approved", and "Preliminary screening rejected", the server extracts the preliminary screening application information, if the status information indicates "Main screening in progress", "Main screening approved", and "Main screening rejected", the server extracts the screening application information, and displays the extracted diagnosis necessary information, the extracted preliminary screening application information, and the extracted screening application information to the housing-related contractor. According to this embodiment, the housing-related contractor can accurately grasp the personal information, loan information, and occupation information, etc. according to the status, and does not need to obtain information from the customer, and the customer does not need to provide information to the housing-related contractor, reducing the procedural burden for both the housing-related contractor and the customer.

In the third embodiment of the present invention, the server of the support system for housing-related contractors according to the first embodiment receives input of property information from the person in charge. According to this embodiment, the person in charge can provide the property information necessary for the inspection, which reduces the burden on the customer and enables the housing-related contractor to complete the procedure quickly.

A support system for home-related contractors according to an embodiment of the present invention will now be described.
FIG. 1 is a conceptual diagram showing the flow of a housing loan examination process which is the premise of the support system for housing-related businesses of the present invention.
In the mortgage loan screening process according to this embodiment, the server performs a loanable amount simulation step 10, a preliminary screening step 20, and a main screening step 30.

The loanable amount simulation step 10 includes a required diagnosis information reception step 11 that prompts the borrower to input the necessary diagnosis information, a required diagnosis information confirmation step 12 that displays the necessary diagnosis information input in the required diagnosis information reception step 11 and prompts the borrower to confirm the necessary diagnosis information that was input, a loanable amount calculation step 13 that calculates the possible loan amount using the necessary diagnosis information confirmed by the borrower in the required diagnosis information confirmation step 12, and a loanable amount display step 14 that displays the possible loan amount calculated in the possible loan amount calculation step 13 to the borrower.

In step 11, the applicant is prompted to enter the necessary diagnostic information, which includes at least the applicant's date of birth, the amount of his/her own funds planned for taking out the mortgage, the date of joining the employer, the employment type at the employer, the employer's capital, the job type and position at the employer, and the annual salary at the employer, as well as the annual repayment amount for the existing loan. Here, the applicant's date of birth is personal information. The amount of his/her own funds is loan information. The date of joining the employer, the employment type at the employer, the employer's capital, the job type and position at the employer, and the annual salary at the employer are occupational information.

In the diagnosis necessary information confirmation step 12, the loan applicant can modify the displayed diagnosis necessary information and the annual repayment amount for the existing loan.
When the applicant issues a confirmation instruction in the diagnosis necessary information confirmation step 12, the process proceeds to the loanable amount calculation step 13.
The diagnosis required information confirmed in diagnosis required information confirmation step 12 and the annual repayment amount of the existing loan are registered in diagnosis required information database 41 together with applicant identification data for identifying the applicant. Here, the applicant identification data is generated by the server based on at least a part of the diagnosis required information confirmed in diagnosis required information confirmation step 12.

In the loanable amount calculation step 13, the repayment period is calculated from the loan applicant's date of birth confirmed in the diagnosis required information confirmation step 12, and the attribute rank of the loan applicant is calculated from the amount of personal funds confirmed in the diagnosis required information confirmation step 12, the date of joining the employer, the employment type at the employer, the employer's capital, and the job type and position at the employer, and the loanable amount is calculated using the annual income at the employer confirmed in the diagnosis required information confirmation step 12 and the calculated repayment period and attribute rank.
In addition, in the loanable amount calculation step 13, the loanable amount is calculated using the annual repayment amount confirmed in the diagnosis necessary information confirmation step 12.

The annual repayment amount is calculated from the annual income and the repayment ratio. The repayment ratio is preset according to the annual income. For example, if the annual income is between 4 million and 5 million yen, the repayment ratio is set to within 40%, and if the annual income is 5 million yen or more, the repayment ratio is set to within 45%. If the annual income is 5 million yen and the repayment ratio is 45%, the annual repayment amount (principal + interest) calculated from the annual income is 2.25 million yen.
The server scores the amount of personal funds, the number of years of service since joining the company, the employment status at the company (full-time employee, part-time worker, self-employed, etc.), the company's capital, and the job type and position at the company.Then, the attribute rank is calculated based on the total score of these.The higher the attribute rank, the higher the loanable amount, and the lower the attribute rank, the lower the loanable amount.

The repayment period is calculated as the repayment period from the age at the time of loan execution to the preset limit age at the time of full repayment. For example, if the limit age at the time of full repayment is set to 81 years old and the age at the time of loan execution is 70 years old, the repayment period will be 12 years. In addition, for example, if the maximum repayment period is set in advance together with the limit age at the time of full repayment, and the period from the age at the time of loan execution to the limit age at the time of full repayment exceeds the maximum repayment period, the maximum repayment period can also be calculated as the repayment period. If the limit age at the time of full repayment is set to 81 years old and the maximum repayment period is set to 35 years, if the age at the time of loan execution is 20 years old, the repayment period will be 35 years, not 62 years until the age of 81 years old. In addition, in the loanable amount simulation step 10, the age at the time of loan execution is, for example, the age at the time of acceptance in the diagnosis necessary information acceptance step 11.
The repayment period is used to calculate the repayment ratio of the desired loan amount. For example, assuming the loan amount is 20 million yen, the annual income is 5 million yen, the repayment period is 20 years, and the repayment method is equal principal and interest repayment, if the interest rate is 1.0%, the repayment ratio will be 22%.

The loanable amount is calculated from the applicant's annual salary at work, the applicant's age at the end of repayment, which is calculated from the applicant's date of birth, and the applicant's attribute rank, which is calculated from the applicant's own funds, the date of joining the employer, the employment status at the employer, the employer's capital, and the job type and position at the employer.
In addition, by taking into account the annual repayment amount from existing loans when calculating the repayment ratio, the appropriate borrowing amount can be calculated.
In the loanable amount display step 14, information including the loanable amount is transmitted from the server to a customer terminal which can be viewed by the borrower.
The monthly repayment amount is displayed in the loanable amount display step 14. The number of months for repayment to calculate the monthly repayment amount is the repayment period calculated from the applicant's date of birth confirmed in the diagnosis required information confirmation step 12. A mortgage applicant can easily determine the desired loan amount by knowing the monthly repayment amount.
In the loanable amount display step 14, the borrower is prompted to input the desired loan amount and the desired repayment period. That is, the borrower can input the desired loan amount and the desired repayment period using a customer terminal.

When a borrower inputs a desired borrowing amount and a desired repayment period, a monthly repayment amount is calculated using the input desired borrowing amount and the desired repayment period, and the calculated monthly repayment amount is displayed on a customer terminal.
Therefore, a person who wishes to take out a mortgage loan can simulate the desired loan amount and desired repayment period while checking the monthly repayment amount.
In addition, input of the desired loan amount that exceeds the loanable amount is not accepted. By not accepting input of the desired loan amount that exceeds the loanable amount, it is possible to encourage the mortgage applicant to perform a simulation within the loanable amount.
Moreover, the input of a repayment period that exceeds the repayment period calculated from the applicant's date of birth confirmed in diagnosis necessary information confirmation step 12 is not accepted. By not accepting the input of a repayment period that exceeds the repayment period calculated from the applicant's date of birth, it is possible to encourage the applicant for a home loan to perform a simulation within the repayment period.

As described above, a mortgage applicant can find out the amount he or she can borrow by inputting the necessary diagnostic information, which includes at least the applicant's date of birth, the amount of his or her own funds planned for taking out the mortgage, the date of joining the company, the employment status at the company, the company's capital, the job type and position at the company, and the annual salary at the company. Furthermore, a mortgage applicant can find out the appropriate amount he or she can borrow by inputting the annual repayment amount for existing loans.

The pre-screening step 20 includes a pre-screening application information receiving step 21 that prompts the prospective borrower to input pre-screening application information, a pre-screening application information confirmation step 22 that displays the pre-screening application information entered in the pre-screening application information receiving step 21 and prompts the prospective borrower to confirm the entered pre-screening application information, a pre-screening judgment step 23 that uses the pre-screening application information confirmed by the prospective borrower in the pre-screening application information confirmation step 22 to determine whether or not the borrower is eligible for a home loan, and a pre-screening judgment result display step 24 that displays the judgment result determined in the pre-screening judgment step 23 to the prospective borrower.

In the pre-screening application information acceptance step 21, the borrower is prompted to enter personal information such as the name and gender of the borrower, loan information such as the purchase budget, desired loan amount, repayment period, and property information, and occupational information such as the name and industry of the employer.
It is preferable that the personal information in the pre-screening application information receiving step 21 includes the address, telephone number, and if the applicant has a bank account, the account number. In addition, the property information in the pre-screening application information receiving step 21 includes the purpose of the funds, construction costs, land purchase costs, and the name of the home builder.

In the pre-screening application information confirmation step 22, the borrower is prompted to confirm, as personal information, the borrower's date of birth confirmed in the diagnosis required information confirmation step 12, and the borrower's name and gender entered in the pre-screening application information acceptance step 21; as borrowing information, the borrower is prompted to confirm the amount of personal funds confirmed in the diagnosis required information confirmation step 12, the purchase budget, desired loan amount, repayment period, and property information entered in the pre-screening application information acceptance step 21; and, as occupational information, the borrower is prompted to confirm the date of joining the employer, the employment type at the employer, the employer's capital, the job type and position at the employer, and the annual salary at the employer, all of which are confirmed in the diagnosis required information confirmation step 12, and the name of the employer and industry entered in the pre-screening application information acceptance step 21.
The loan applicant's date of birth, amount of personal funds, date of joining the employer, employment type at the employer, capital stock at the employer, job type and position at the employer, and annual income at the employer are read from the diagnosis required information database 41 based on the loan applicant identification data and used.

In the pre-screening application information confirmation step 22, the borrower can modify the displayed personal information, loan information, and occupational information.
When the borrower issues a confirmation instruction in the pre-screening application information confirmation step 22, the process moves to the pre-screening judgment step 23.
The personal information, loan information, and occupational information confirmed in the pre-screening application information confirmation step 22 are registered in the pre-screening application information database 42 together with the loan applicant identification data.

In the pre-screening determination step 23, the repayment period is calculated based on the borrower's date of birth confirmed in the pre-screening application information confirmation step 22, and the borrower's attribute rank is calculated from the amount of personal funds, the date of joining the employer, the employment type at the employer, the employer's capital, the job type and position at the employer, and the name and industry of the employer confirmed in the pre-screening application information confirmation step 22. The available loan amount is calculated using the annual income at the employer confirmed in the pre-screening application information confirmation step 22, the calculated repayment period and attribute rank, and the annual repayment amount, and it is determined whether the desired loan amount and repayment period confirmed in the pre-screening application information confirmation step 22 satisfy the conditions of the calculated available loan amount and repayment period.
In this way, the loanable amount and repayment period used in the judgment in the pre-screening judgment step 23 are approximately the same as the loanable amount and repayment period calculated in the loanable amount calculation step 13.

As described above, a mortgage applicant can undergo a pre-screening without having to re-enter the personal information, loan information, and occupational information confirmed in step 12 for confirming information required for diagnosis.

This screening step 30 includes a screening application information receiving step 31 that prompts the borrower to input screening application information, a screening application information confirmation step 32 that displays the screening application information entered in the screening application information receiving step 31 and prompts the borrower to confirm the entered screening application information, a screening judgment step 33 that uses the screening application information confirmed by the borrower in the screening application information confirmation step 32 to determine whether or not the borrower is eligible for a home loan, and a screening judgment result display step 34 that displays the judgment result determined in the screening judgment step 33 to the borrower.

In step 31 for accepting application information for screening, the applicant is prompted to enter household information such as whether or not the applicant has a spouse, information about the current residence, information about existing mortgages, and whether or not the applicant owns real estate, and is prompted to enter borrowing information such as the desired borrowing date, interest rate type, interest rate plan, and repayment method.
In addition, in the examination application information reception step 31, the user is prompted to upload certificate data required for the examination, such as a seal certificate.
In the application information confirmation step 32, the applicant is prompted to confirm the personal information, such as the date of birth, name, and gender of the borrower confirmed in the pre-screening application information confirmation step 22; the borrowing information, such as the amount of personal funds, purchase budget, desired loan amount, repayment period, and property information confirmed in the pre-screening application information confirmation step 22, and the desired loan date, interest rate type, interest rate plan, and repayment method entered in the application information acceptance step 31; the occupational information, such as the date of joining the employer, employment type at the employer, employer's capital, job type and position at the employer, annual salary at the employer, name and industry of the employer, all confirmed in the pre-screening application information confirmation step 22; and the household information, such as the presence or absence of a spouse, current residence information, existing mortgage information, and whether or not the applicant owns real estate, all of which are entered in the application information acceptance step 31.
The loan applicant's date of birth, name, gender, amount of personal funds, purchase budget, desired loan amount, repayment period, property information, date of joining the employer, employment type at the employer, employer's capital, job type and position at the employer, annual salary at the employer, and name and industry of the employer are read from the pre-screening application information database 42 based on the loan applicant identification data and used.

In the application information confirmation step 32, the borrower can modify the displayed personal information, loan information, and occupational information.
When the borrower issues a confirmation instruction in the application information confirmation step 32 , the process moves to the application judgment step 33 .
The personal information, loan information, and occupational information confirmed in the screening application information confirmation step 32 are registered in the screening application information database 43 together with the loan applicant identification data.

In the screening judgment step 33, the repayment period is calculated based on the borrower's date of birth confirmed in the screening application information confirmation step 32, and the attribute rank of the borrower is calculated from the amount of personal funds, the date of joining the employer, the employment type at the employer, the employer's capital, the job type and position at the employer, and the name and industry of the employer confirmed in the screening application information confirmation step 32. The available loan amount is calculated using the annual income at the employer confirmed in the screening application information confirmation step 32, the calculated repayment period and attribute rank, and the annual repayment amount, and it is determined whether the desired loan amount and repayment period confirmed in the screening application information confirmation step 32 satisfy the conditions of the calculated available loan amount and repayment period.
In this way, the loanable amount and repayment period used in the judgment in the examination and judgment step 33 are approximately the same as the loanable amount and repayment period calculated in the loanable amount calculation step 13.

As described above, a person who wishes to borrow a home loan can be screened without re-entering the personal information, loan information, and occupational information confirmed in the pre-screening application information confirmation step 22.

In this way, the loanable amount available to a mortgage applicant is calculated prior to the actual screening and preliminary screening, and the calculated loanable amount is transmitted to the applicant.
The server has a main screening step 30 in which it accepts the certificate data required for the screening application information along with the screening application information and conducts the main screening; a pre-screening step 20 in which, before conducting the main screening step 30, it determines whether or not the applicant can receive a home loan based on pre-screening application information including at least personal information and borrowing information, and transmits the pre-screening result to the applicant; and a loan amount simulation step 10 in which, before conducting the pre-screening step 20, it calculates the available loan amount for the home loan based on necessary diagnostic information including at least the applicant's date of birth, the amount of his/her own funds planned for obtaining the home loan, the date of joining the employer, the employment type at the employer, the employer's capital, the job type and position at the employer, and the annual salary at the employer, and transmits the calculated available loan amount to the applicant.
Furthermore, mortgage applicants can find out the amount they can borrow prior to the main and preliminary screenings with less information than is required for the main and preliminary screenings. This not only eliminates the inconvenience of not being able to receive a mortgage after a property has been decided, but also makes it easier to find properties, as they can be found based on the amount they can borrow.

FIG. 2 is a conceptual diagram showing the process flow of the housing-related contractor support system according to this embodiment.
The server has a housing-related business registration step 50 that prompts the housing-related business to register, and a person in charge setting step 51 that prompts the housing-related business registered in the housing-related business registration step 50 to set a person in charge of the housing-related business (hereinafter simply referred to as a person in charge). When the registration procedure is performed in the housing-related business registration step 50, the server registers the housing-related business (S70), and when the setting is performed in the person in charge setting step 51, the server registers the person in charge (S71).

The server also has a borrower registration step 90 that prompts the borrower, who is a customer of a housing-related business, to register for the mortgage app. When the registration procedure is performed in the borrower registration step 90, the server registers the borrower (app registration step 70). The mortgage loan screening process already described in FIG. 1 is performed by the borrower who has registered in the app registration step 70 using the mortgage app.

After a housing-related contractor is registered in housing-related contractor registration step 50 and a person in charge is set in person-in-charge setting step 51, the set person in charge logs in to the server (S52), and the server extracts the customer data registered by the person in charge (S72) and transmits it to the contractor terminal, whereby the person in charge can view a customer list of already registered customers (S53).
When the person in charge selects to register a new customer (S54), the server embeds the contractor identification data assigned to the home-related contractor registered in home-related contractor registration step 50 and the person in charge identification data assigned to the person in charge setting step 51 into a two-dimensional code (S73), and transmits the two-dimensional code for customer registration to the contractor terminal used by the person in charge.
The two-dimensional code for customer registration can be displayed on the trader terminal (S55).

When customer registration is to be performed by reading this two-dimensional customer registration code (Yes in S56), the two-dimensional customer registration code is presented to the customer.
When a customer logs in to the mortgage application using a customer terminal (S91), the server extracts customer data (S74), and if the customer is registered in S90, the mortgage application is displayed on the customer terminal (S92).
On the customer terminal, the camera is activated from the displayed mortgage application (S93), the two-dimensional code for customer registration displayed on the dealer terminal is read (S94), and approval data is sent to the server (S95). The server then links the staff member and the customer together, thereby registering the customer that the staff member is responsible for (customer registration step 75).

If the two-dimensional code for customer registration is not used for customer registration (No in S56), the customer's email address is entered (S57) and transmitted to the server.
The server extracts customer data from the received customer's email address (S76) and transmits the customer's name to the business terminal.
On the business terminal, the customer name and a send button are displayed (S58), and when the person in charge operates the send button (S59), the server sends a notification email to the customer (S77), and the customer receives the notification email (S96).
The customer who receives the email logs into the mortgage application using a customer terminal (S97), the server extracts the customer data (S78), and if the customer is registered in S90, the mortgage application is displayed on the customer terminal (S98).
The customer terminal transmits the approval data to the server (S99), and the server associates the person in charge with the customer and registers the customer that the person in charge is in charge of (customer registration step 79).
In the customer registration steps 75 and 79, by linking the person in charge with the customer in this way, personal information is prevented from being leaked illegally.

By the customer registration steps 75 and 79, which link the staff member with the customer, the staff member can select the customer list from the staff member page in S53 (S60), and the server extracts a list of customer names and status information for each customer (S80), allowing the staff member to view the status information along with the customer names (S61). S61 is a customer list display step 61 that displays a customer list for the customers registered in the customer registration steps 75 and 79, and a status information display step 61 that displays status information for the customers displayed in the customer list display step 61.

In the customer list display step 61, the customer list in the loanable amount simulation step 10, the customer list in the preliminary screening step 20, and the customer list in the main screening step 30 can be displayed separately.
In the status information display step 61, when the server has not yet calculated the available loan amount in the available loan amount simulation step 10, the status information is displayed as "Available loan amount simulation in progress", when the server has calculated the available loan amount in the available loan amount simulation step 10, the status information is displayed as "Available loan amount simulation completed", when the server has not performed a pre-judgment in the pre-screening step 20, the status information is displayed as "Pre-screening in progress", when the server has performed a pre-judgment in the pre-screening step 20 and the pre-judgment result has been approved, the status information is displayed as "Pre-screening approved", when the server has performed a pre-judgment in the pre-screening step 20 and the pre-judgment result has been rejected, the status information is displayed as "Pre-screening rejected", when the server has not performed a judgment in the main screening step 30, the status information is displayed as "Main screening in progress", when the server has performed a judgment in the main screening step 30 and the judgment result has been approved, the status information is displayed as "Main screening approved", and when the server has performed a judgment in the main screening step 30 and the judgment result has been rejected, the status information is displayed as "Main screening rejected".

When the person in charge selects a specific customer from the customer list (S62), the server extracts the mortgage application information for the selected customer (S81). The extracted mortgage application information can be viewed on the dealer terminal (S63).
In S81, if the customer's status information is "Available loan amount simulation in progress" and "Available loan amount simulation completed", the server extracts information necessary for diagnosis; if the customer's status information is "Preliminary screening in progress", "Preliminary screening approved", and "Preliminary screening rejected", the server extracts preliminary screening application information; if the customer's status information is "Main screening in progress", "Main screening approved", and "Main screening rejected", the server extracts screening application information.
Then, the extracted diagnosis necessary information, the extracted pre-examination application information, and the extracted examination application information are displayed on the dealer terminal.
In other words, on the dealer terminal, if the status information shows "Available loan amount simulation in progress" and "Available loan amount simulation completed," the diagnostic information can be viewed; if the status information shows "Preliminary screening in progress,""Preliminary screening approved," and "Preliminary screening rejected," the preliminary screening application information can be viewed; and if the status information shows "Main screening in progress,""Main screening approved," and "Main screening rejected," the screening application information can be viewed.
Therefore, the person in charge (housing-related contractor) can accurately grasp personal information, loan information, occupational information, etc. according to status, and does not need to obtain information from the customer, and the customer does not need to provide information to the housing-related contractor, thereby reducing the procedural burden for both the housing-related contractor and the customer.

The person in charge can view the mortgage application information (S63) and can input property information and financial plan details (S64), and the server accepts the input of the property information and financial plan details from the person in charge (S82).
Here, the property information refers to the address and subdivision name of the property to be purchased, and the financial plan breakdown information refers to the land acquisition costs, building construction and purchase costs, renovation costs, exterior costs such as exterior construction costs, and registration costs.
In this way, by having the person in charge provide the property information and financial plan details required for the appraisal, the procedural burden on the customer is reduced and housing-related businesses can also complete the procedures more quickly.
The person in charge can also view the mortgage application information (S63) and upload documents to be submitted for review (S65), and the server accepts the documents uploaded by the person in charge (S83).

When the status information indicates a state of pre-examination and approval, a notice of provisional approval is issued to the housing-related contractor in response to a request from the customer, and when the status information indicates a state of full examination and approval, a notice of formal approval is issued to the housing-related contractor in response to a request from the customer.
A customer can log in to the mortgage app using a customer device and request the issuance of a provisional approval notice or a formal approval notice. The server checks the status information, and if the status information indicates a pre-approval, it allows the issuance of a provisional approval notice, and if the status information indicates a full approval, it allows the issuance of a formal approval notice.
The server may provide the housing-related contractor with a notice of provisional approval or a notice of official approval.
Thus, according to this embodiment, housing-related businesses can know the status information in the loan amount simulation step 10, the pre-screening step 20, and the main screening step 30, and can also obtain notifications of provisional approval and official approval, allowing them to confidently select the property that is best suited to their customer and to carry out the procedures quickly and accurately.

According to the present invention, housing-related companies can make property proposals that take into account not only the home buyer's own funds but also the amount of loans that can be made.

10 Step of simulating loanable amount 11 Step of receiving information required for diagnosis 12 Step of confirming information required for diagnosis 13 Step of calculating loanable amount 14 Step of displaying loanable amount 20 Step of pre-screening 21 Step of receiving application information for pre-screening 22 Step of confirming application information for pre-screening 23 Step of pre-screening judgment 24 Step of displaying results of pre-screening judgment 30 Step of actual screening 31 Step of receiving application information for screening 32 Step of confirming application information for screening 33 Step of screening judgment 34 Step of displaying results of screening judgment 41 Database of information required for diagnosis 42 Database of information required for pre-screening 43 Database of information required for screening 50 Step of registering housing-related contractor 51 Step of setting person in charge 61 Step of displaying customer list, step of displaying status information 70 Step of registering application 75, 79 Step of registering customer 90 Step of registering borrower

Claims (3)

The server provides the following to those who wish to apply for a home loan:
a main examination step of accepting the certificate data required for the application information for examination, together with examination application information including at least personal information about the borrower, including the name, date of birth, and sex, loan information including the purchase budget, desired loan amount, repayment period, and property information, and occupational information including the name of the employer, the affiliation and employment type at the employer, the job content at the employer, and the annual salary at the employer, determining whether the mortgage loan can be obtained and transmitting the result of the determination to the borrower;
a pre-screening step of judging whether or not the mortgage loan can be obtained based on pre-screening application information including at least the personal information, the borrowing information, and the occupational information before the main screening step is performed, and transmitting the pre-screening result to the borrower;
and before carrying out the preliminary screening step, a loanable amount simulation step is executed in which, using diagnostic information including at least the date of birth of the applicant as the personal information, the amount of personal funds planned for obtaining the mortgage as the borrowing information, and the date of joining the employer, the employment type at the employer, the capital of the employer, the job type and position at the employer, and the annual salary at the employer as the occupational information, a loanable amount that can be borrowed under the mortgage is calculated, and the calculated loanable amount is transmitted to the applicant.
To housing-related businesses that have the borrower as a customer,
A support system for housing-related contractors that provides status information in the loan amount simulation step, the preliminary screening step, and the main screening step,
The server,
To the housing-related businesses,
a housing-related business registration step for encouraging the housing-related business to register;
a person in charge setting step for prompting the housing-related contractor registered in the housing-related contractor registration step to set a person in charge;
a customer registration step of registering the customer who is handled by the person in charge registered in the person in charge setting step;
a customer list display step of displaying a customer list of the customers registered in the customer registration step to the person in charge;
a status information display step of displaying the status information about the customer displayed in the customer list display step;
In the status information display step,
When the server is not calculating the borrowable amount in the borrowable amount simulation step, the status information is set to "borrowable amount simulation in progress";
When the server has executed the calculation of the available loan amount in the available loan amount simulation step, the status information is set to available loan amount simulation completed,
When the server has not performed the pre-judgment in the pre-judgment step, the status information is set to "pre-judgment in progress",
When the server executes the pre-judgment in the pre-judgment step and the pre-judgment result is approved, the status information is pre-judgment approved;
When the server executes the pre-judgment in the pre-judgment step and the pre-judgment result is rejected, the status information is set to "pre-judgment rejected";
When the server has not yet performed a judgment in the main examination step, the status information is set to "main examination in progress";
When the server executes the judgment in the main review step and the judgment result is approved, the status information is set to main review approval;
When the server executes a judgment in the main examination step and the judgment result is a denial, the status information is displayed as a main examination denial,
When the status information indicates the pre-approval status, a notice of provisional approval is issued to the housing-related contractor upon a request from the customer;
When the status information indicates that the application is approved, a notice of formal approval is issued to the housing-related contractor upon a request from the customer .
In the customer registration step,
the server embeds the contractor identification data assigned to the housing-related contractor registered in the housing-related contractor registration step and the person in charge identification data assigned to the person in charge set in the person in charge setting step into a two-dimensional code and transmits the two-dimensional code to a contractor terminal used by the person in charge;
The two-dimensional code displayed on the trader's terminal is read by a customer terminal used by the customer to be registered, and approval data is transmitted to the server, where the server links the person in charge with the customer and processes the data.
A support system for housing-related contractors. If the status information indicates that the loanable amount simulation is in progress and that the loanable amount simulation has been completed, the server extracts the diagnosis necessary information,
If the status information is "in pre-screening", "pre-screening approved", or "pre-screening rejected", the server extracts the pre-screening application information;
If the status information is "in review", "approved", or "rejected", the server extracts the review application information;
A support system for home-related contractors as described in claim 1 , characterized in that the extracted diagnosis information, the extracted pre-screening application information, and the extracted screening application information are displayed to the home-related contractor. 2. The support system for housing-related contractors according to claim 1 , wherein said server accepts input of said property information from said person in charge.