JP2002215898A - Loan setting sub-system and loan setting method using it - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a loan setting sub-system for setting a loan, which allows a purchaser to purchase a new car at ease. SOLUTION: A loan setting sub-system with balance guaranteed credit for a new car has a memory means 120, a processing means 110, and an input means. A new car's body identification code and its all prices are associated with plans to pay off a loan in a predetermined term, and recorded in the memory means 120. When inputting a car body identification code through the input means, the processing means 110 extracts a loan plan for the new car's data from the memory means 120. Especially, a loan plan recorded in the memory means 120 is created so that the whole price for a new car is paid off in a predetermined term without reconstructing the loan after a predetermined term, such as three years.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a method for setting a loan for a residual value guarantee credit, particularly for a new vehicle, and a loan setting assistance system for the method.

[0002]

2. Description of the Related Art This kind of loan setting method of a residual value guarantee credit has conventionally been carried out at a vehicle price (for example, 10%).
When purchasing a new car (¥ 100,000), first, half of the vehicle price (50
(¥ 10,000) for a three-year loan, and after three years determine the purchase price of the vehicle and settle the trade-in, or, if you continue to pay the loan, refinance the loan Has been made.

[0003] However, the above-mentioned method causes the following problems. In other words, when restructuring the loan after the lapse of three years, the loan payer is re-examined, but if the loan is overdue or unpaid, the loan may not be reconfigured. Also, when a loan is made, the interest rate setting is unclear, and there is a problem that the payer may feel uneasy about the monthly payment amount at the time of the refinancing. In particular, payers are more worried because interest rates generally increase during reassembly.

[0004] Further, depending on the condition of the vehicle body at the time of trade-in three years later, the value may be reduced to a value less than the residual value (for example, 500,000 yen). Has to be paid.

Further, in the above-mentioned loan setting method, the loan for the first three years costs interest on half of the vehicle price (500,000 yen), but in general, other nominal (for example, down payment etc.) ), The purchaser (payer of the loan) also bears the interest rate on the balance (500,000 yen). For this reason, the purchaser has paid a substantial interest rate on the full amount (1 million yen) in the first three years, and also pays the interest rate on half of the remaining balance (500,000 yen) even after changing the loan. .

[0006]

SUMMARY OF THE INVENTION Therefore, the present invention has been made in view of the above-mentioned conventional drawbacks, and an object of the present invention is to set up a loan that allows a purchaser to purchase a car with peace of mind. To provide a loan setting assistance system and a method for setting up a loan.

[0007]

SUMMARY OF THE INVENTION The present invention has been made to solve the above-mentioned problems, and a loan setting assistance system according to the present invention is a loan setting assistance system for vehicles. Storage means for storing data; processing means for extracting data from the storage means; and input means capable of inputting information relating to the vehicle, wherein the storage means includes a vehicle body of the vehicle. The identification code, the selling price of the car, and the loan plan to be repaid in a predetermined period for the entire price are stored correspondingly, and when the vehicle identification code is input by the input means, the processing means , And is provided so as to extract a loan plan with respect to the vehicle data in the storage means.

In the loan setting assistance system having such a configuration, for example, a purchaser or the like who wishes to purchase inputs a vehicle identification code of a vehicle that he / she wants to purchase by input means, and the processing means executes the processing. Since the loan plan of the vehicle data stored in the storage means is extracted in accordance with the input vehicle identification code, the purchaser can know the loan plan.

[0009] In the loan setting assistance system according to the present invention, the loan plan may not be reconfigured after a certain period of time, such as three years, for a predetermined period for all prices. It is preferable to adopt a configuration in which a loan to be repaid is set up.

[0010] By adopting the above configuration, the loan plan extracted corresponding to the input vehicle identification code is as follows:
Since reassembly after three years is not performed, a purchaser or the like can purchase a car with confidence. In other words, there is no need for re-examination, etc., which occurs when refinancing a loan three years later, so that there is no possibility that the refinancing is not permitted to the purchaser, and the loan is formed at all prices from the beginning. Therefore, the interest rate setting is clear, and the purchaser (payer) can purchase the car with confidence. Also, for example, if the purchase price has fallen below the residual value depending on the condition of the car body at the time of trade-in three years later, by continuing the loan plan after that, the trade-in price and loan balance Therefore, if the vehicle is sold later, there is an advantage that the purchaser does not have to bear any additional cost when the vehicle is traded in. In addition, the conventional half-finance three-year loan plan, which is usually made in the past, is executed on substantially the entire amount as described above, and the interest burden is reduced as compared with that case. It has the advantage of being able to. In the above, the “predetermined period” for repaying all prices is, for example, 72
Months (6 years), etc.

Further, in the loan setting assistance system according to the present invention, the storage means stores a vehicle basic price according to an elapsed period after the car is purchased, Preferably, the processing means is configured to extract a vehicle body basic price in the storage means when an elapsed period after purchase is input, and to calculate a purchase assessment price based on the vehicle body basic price.

By adopting this configuration, the processing means calculates the purchase assessment price by inputting data relating to the elapsed time after purchase, etc., so that the purchaser etc. can purchase the vehicle by himself / herself at the present time. You can know the price. For this reason, it is possible to easily determine the trade-in of the vehicle body after comparing the loan balance with the purchase assessment price.

[0013] Further, in the case where the configuration according to the third aspect is adopted, as in the fourth aspect, data of a prescribed mileage according to an elapsed time after the purchase is stored in the storage means. When calculating the purchase assessment price based on the vehicle body basic price, the processing means calculates or extracts the vehicle body basic price based on the elapsed purchase period, and inputs the actual mileage data and storage means inputted. It is configured to calculate the actual mileage assessment price based on the specified mileage data corresponding to the purchase elapsed period stored in the, and calculate the purchase assessment price based on the vehicle body basic price and the actual mileage price. Is preferred.

By adopting this configuration, by inputting the actual mileage and the like, the processing means calculates the basic vehicle price based on the elapsed purchase period and the estimated actual mileage price based on the actual mileage of the vehicle. Since the purchase assessment price is calculated, the purchaser can accurately know the trade-in price of the vehicle body actually scheduled for trade-in. For this reason, for example, when the actual mileage greatly exceeds the specified mileage and the trade-in price is low, the purchaser can postpone the trade-in or suppress the mileage during the postponement. In addition, there is an advantage that the trade-in price can be adjusted.

[0015] In the loan setting assistance system according to the third or fourth aspect, as in the fifth aspect, the storage means stores purchase specifying information for specifying data of the purchased car. The repayment data already repaid for the loan is stored in association with the purchase specifying information, and when the purchase specifying information is input, the processing means sets the repayment data corresponding to the purchase specifying information and It is preferable to adopt a configuration for extracting or calculating the purchase assessment price from the storage means.

By employing this configuration, the processing means calculates the purchase assessment price as described above and calculates or extracts the repayment data (loan balance).
The purchaser can easily compare the loan balance with the purchase price and can easily decide to trade in the vehicle.

A feature of the loan setting method according to the present invention is a method for setting a loan for a car, and a basic body price of the car is determined according to an elapsed period after purchase of the car. If the purchaser wishes to trade in the car body for a predetermined period without restructuring the loan after the elapse of a certain period of time, the purchase price calculated based on the car body basic price Is offset by the loan residual value.

In the loan setting method having the above-mentioned configuration, re-assembly after three years is not performed, and re-examination at the time of loan re-establishment as in the conventional case is not performed. There is no worry about not being able to do it.
In addition, a loan for all prices is set up from the beginning, the interest rate setting is clear, giving a sense of security to the purchaser and making it easy to decide on a car purchase. In addition, even if the value is lower than the residual value depending on the condition of the car body at the time of trade-in, by continuing to repay the loan, by performing trade-in after the trade-in price matches the loan balance, The buyer does not have to pay for the trade-in. In addition, the conventional three-year loan plan for half the amount is usually made for substantially the entire amount as described above, and the interest burden is reduced as compared with that case. It has the advantage of being able to.

In the loan setting method according to the present invention, the storage means of the loan setting assisting system stores the vehicle body identification code of each vehicle as data on each vehicle. The car sales price, and the loan plan to be repaid in a predetermined period for all prices are stored correspondingly, and the input means of the loan setting assistance system is provided so that a vehicle identification code can be input,
It is preferable that the processing means of the loan setting assistance system adopts a configuration provided so as to extract a loan plan with respect to the vehicle data in the storage means when the vehicle identification code is input.

By adopting this configuration, the purchaser or the like inputs the vehicle identification code of the vehicle desired to be purchased by the input means, and the processing means responds to the input vehicle identification code by Since the loan plan of the data of the car in the storage means is extracted, a purchaser or the like can know the loan plan.

According to a seventh aspect of the present invention, in the loan setting method, as in the eighth aspect, the storage means stores a vehicle body basic price according to an elapsed period after the vehicle is purchased. The processing means is configured to extract a vehicle body basic price in the storage means when an elapsed period after purchase is input, and to calculate a purchase assessment price based on the vehicle body basic price. Is preferred.

By adopting this configuration, the processing means calculates the purchase assessment price by inputting data relating to the elapsed period after the purchase, etc. You can know the price. Therefore, it is possible to easily determine the trade-in of the vehicle body after comparing the loan balance with the purchase price.

In the loan setting method according to the seventh or eighth aspect, as in the ninth aspect, the storage means stores data of a prescribed mileage corresponding to an elapsed period after the purchase. Based on the purchase elapsed time, the processing means of the loan setting assistance system calculates the vehicle basic price. Based on the input actual traveling distance data, the processing means of the loan setting assistance system determines the actual traveling distance. It is preferable to adopt a configuration including a procedure for calculating an assessment price, and a procedure for the processing means of the loan setting assistance system to calculate a purchase assessment price based on the vehicle body basic price and the actual mileage price.

By adopting this configuration, the purchase evaluation price taking into account the mileage data is calculated by the processing means, so that the purchaser can more accurately know the current purchase evaluation price of the car he / she purchased. it can. For this reason,
After comparing the loan balance with the purchase assessment price, it is easy to determine the trade-in of the vehicle body. For this reason, in the case of trade-in in the future (for example, six months later), for example, when the actual mileage greatly exceeds the specified mileage and the trade-in price is low, There is an advantage that it is also possible to postpone or to reduce the mileage during the postponement to adjust the trade-in price.

[0025] In the loan setting method according to the eighth or ninth aspect, as in the tenth aspect, the storage means includes purchase specifying information for specifying data of a purchased car;
And storing the repayment data already repaid for the loan in association with the loan, and when the purchase specific information is input, the processing means extracts the repayment data corresponding to the purchase specific information from the storage means, and It is preferable to adopt a configuration for calculating the purchase assessment price of the vehicle body.

By employing this configuration, the processing means calculates the purchase assessment price as described above and calculates or extracts the repayment data (loan balance). The balance and the purchase price can be easily compared, and trade-in of the vehicle body can be determined.

The invention according to claim 11 is a loan setting assistance system for a residual value guarantee credit for a car, wherein the storage means stores data related to the loan, and the data extraction of the storage means. Processing means for performing the above, and the storage means stores data for calculating a loan plan to repay the installment principal in a predetermined period, the installment principal, the number of installments, and a certain period of time. When the purchase price at the time of elapse is specified, the processing means:
In addition to calculating the installment commission for the entire term of the loan and the restocking fee after the specified period of the purchase amount has been determined,
The loan repayment amount before the lapse of a certain period is calculated based on the sum of the installment principal and installment fee minus the purchase amount and the restocking fee, and the loan repayment amount after the lapse of a certain period It is provided to be calculated based on the restocking fee.

The invention according to claim 12 of the present application is a method for setting a loan for a residual value guarantee credit for a vehicle by a loan setting assistance system, comprising: an installment principal, the number of installments, and a purchase amount after a certain period of time. When the loan setting assistance system is specified, the loan setting assistance system calculates an installment fee for the entire period of the loan and a restocking fee after the specified period of the purchase amount has been specified. And the sum of the installment fee minus the purchase price and the restocking fee, and the loan repayment amount after a certain period of time is calculated based on the purchase price and the restocking fee.

The invention described in claim 13 of the present application is a loan setting assistance program for causing a computer to perform a loan setting process of a residual value guarantee credit for a car, and the installment principal, the number of installments, and the fixed number of installments. When the purchase amount at the end of the period is specified, the computer calculates an installment fee for the entire period of the loan and a restocking fee at the end of the specified period of the purchase amount, and regarding the loan repayment amount before the elapse of the certain period, Calculated based on the sum of installment principal and installment fee minus purchase price and rebate fee, and loan repayment after a certain period of time is calculated based on purchase price and rebate fee. It is characterized by the following.

[0030] The invention according to claim 14 of the present application relates to a recording medium for a loan setting assistance program characterized by recording the loan setting assistance program according to claim 13 of the present application.

In the invention according to claims 11 to 14, a loan plan without restructuring a loan can be calculated. Therefore, a reexamination or the like at the time of restructuring a loan as in the prior art is performed. There are no concerns that buyers will not be able to restructure the loan. In addition, a loan for all prices is set up from the beginning, the interest rate setting is clear, giving a sense of security to the purchaser and making it easy to decide on a car purchase. In particular, since the loan plan takes into account the restocking fee, it is possible to give the buyer a sense of security.

In the invention of claims 11 to 14 of the present application, the above-mentioned claims 3 to 5 or 8 to 1
0. That is, in the loan setting assistance system according to the eleventh aspect, the storage means stores a vehicle body basic price according to an elapsed period after the purchase of the car, and the processing means includes: It is preferable to extract the vehicle body basic price in the storage means when the elapsed period of the vehicle is input, and calculate the purchase assessment price based on the vehicle body basic price. Further, in this case, the storage means stores data of a prescribed mileage corresponding to an elapsed time after the purchase, and the processing means calculates the purchase assessment price based on the vehicle body basic price. , Based on the age of the purchase,
A basic vehicle price is calculated or extracted, and an actual mileage assessment price is calculated based on the input actual mileage data and the specified mileage data according to the purchase elapsed period stored in the storage means. It is preferable to calculate the purchase assessment price based on the actual mileage price and the purchase price information. Further, the storage means stores purchase identification information for identifying the data of the purchased car. The repayment data already repaid for the loan is stored in association with the specific information, and when the purchase specific information is input, the processing means sets the repayment data corresponding to the purchase specific information and the purchase assessment price. Is preferably extracted or calculated from the storage means. Further, in the loan setting method according to the twelfth aspect, the storage means stores a vehicle basic price according to an elapsed period after the car is purchased, and the processing means stores the elapsed time after the purchase. It is preferable that, when the period is input, the vehicle base price in the storage means is extracted, and the purchase assessment price is calculated based on the vehicle base price. Further, the storage means stores data of a prescribed mileage according to the elapsed time after purchase, and the processing means of the loan setting assistance system calculates a vehicle body basic price based on the purchase elapsed time, Based on the input actual mileage data, the processing means of the loan setting assistance system calculates the actual mileage assessment price, based on the vehicle body basic price and the actual mileage price,
Preferably, the processing means of the loan setting assistance system includes a procedure for calculating a purchase assessment price. Further, the storage means stores the purchase specifying information for specifying the data of the purchased car and the repayment data already repaid for the loan in association with each other. When the purchase specifying information is input, the processing means However, it is preferable to adopt a configuration in which repayment data corresponding to the purchase specifying information is extracted from the storage means, and a purchase assessment price of the vehicle body is calculated. Also,
It is preferable that the program according to the thirteenth aspect and the recording medium according to the fourteenth aspect be provided so that the computer causes the computer to perform the following processing.
That is, the storage means can store the vehicle body basic price according to the elapsed time after the car was purchased, and the processing means:
It is preferable to provide a processing for extracting the vehicle body basic price in the storage means when the elapsed period after the purchase is input, and calculating the purchase assessment price based on the vehicle body basic price. Also, in this case, the storage means can store data of a prescribed mileage according to the elapsed time after the purchase, and the processing means, when calculating the purchase assessment price based on the vehicle body basic price, Based on the age of the purchase,
A basic vehicle price is calculated or extracted, and an actual mileage assessment price is calculated based on the input actual mileage data and the specified mileage data according to the purchase elapsed period stored in the storage means. It is preferable to perform processing for calculating a purchase assessment price based on the actual mileage price and the actual mileage price. Further, the storage means can store purchase specifying information for specifying the data of the purchased car, and can store the already repaid repayment data of the loan in association with the purchase specifying information. It is preferable that the processing unit is provided so as to extract or calculate the repayment data corresponding to the purchase specifying information and the purchase assessment price from the storage unit when is input.

[0033]

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS Hereinafter, a first embodiment of a loan setting assistance system S and an operation method of the loan setting assistance system S according to the present invention will be described with reference to FIGS. FIG. 1 is a schematic explanatory diagram for explaining the overall configuration of the present embodiment. FIG. 2 is a schematic explanatory diagram for explaining data in a database of a server of the system of the embodiment. FIG. 3 is a schematic diagram of a purchase data master used in the embodiment. FIG.
It is a schematic diagram showing an example of a contract created in the embodiment. FIG. 5 is a flowchart of an operation method of the system S of the embodiment.

First, the overall configuration of the present embodiment will be described. As shown in FIG. 1, the server 100 of the loan setting assistance system S of the present embodiment and the system S connected to the server 100 via a network are provided. It comprises a client computer 200 and a terminal 300 used by a purchaser or the like.

Server 1 of the loan setting assistance system S
00 is a database 120 (storage means) in which various information is stored, a processing means 110 for performing processing such as extraction of information in the database 120, an input means for an operator to input information to the server 100, It has transmission / reception means for receiving information from outside and transmitting information to outside. In addition, loan setting assistance system S
The client computer 200 also has a database 220 (storage means) in which various kinds of information are stored, and a processing means 21 for performing processing such as extraction of information in the database 220.
0, an input means for an operator to input information to the client computer 200, and a transmission / reception means for receiving information from outside and transmitting information to outside. The client computer 2
The server 100 and the client computer 200 are connected by various known lines, for example, a telephone line, the Internet, a dedicated line, or the like can be appropriately used. It is. Further, each of the server 100, the client computer 200, and the terminal 300 is provided so that data can be transmitted or received by the transmission / reception means (transmission means and reception means) as described above, and is used by the purchaser. From the terminal 300, the loan setting assistance system S (the server 100 or the client computer 20)
0) can be connected (transmit / receive data) via the Internet 400, for example. In addition,
The terminal 300 can be composed of, for example, a computer or the like that can be connected to the Internet 400. The terminal 300 is provided with input means (not shown) for a purchaser to input data. The transmission / reception means may be a modem, a terminal adapter or the like, and the input means may be a known one such as a keyboard or mouse.

The server 1 of the loan setting assistance system S
The database 120 of 00 stores data on a new car. Here, as the data relating to the new car, for example, in addition to the body identification code of the new car, the name of the new car, the manufacturer of the new car, the selling price of the new car, etc., further, the total price of the selling price of the new car is stored. A loan plan for repayment for a predetermined period (72 months) is stored. Data on these new vehicles is stored and stored in a new vehicle data file 121 of the database 120.
Is managed. (See FIG. 2) The data on the new vehicle may be provided so as to be stored in the database 120 (storage means) of the client computer 200 of the loan setting assistance system S.

The above-mentioned loan plan for a new car is a loan plan in which all loans are repaid at a fixed interest rate for a predetermined period (72 months) without restructuring the loan such as reviewing interest rates within a predetermined period (72 months). ing. Specifically, for example, a loan plan is set such that if a new car of 1,000,000 yen is purchased, about 12,000 yen is repaid monthly.

The database 1 of the server 100
20 stores, after a new car is sold, a vehicle body basic price corresponding to a purchase elapsed period which is a basis of purchase assessment, and this is stored in association with the vehicle body identification code. The vehicle body basic price is set after a predetermined period (36 months), and is set so as to become lower as the purchase elapsed period becomes longer. More specifically,
For example, if the body price of a new car is 1,000,000 yen, 550,000 yen after 36 months, 420,000 yen after 48 months, 60
It is set to be 350,000 yen after a lapse of months and 280,000 yen after a lapse of 72 months. The amount of money and the like are appropriately changed in design according to the vehicle and the like.

Further, in the database 120 of the server 100, data of a prescribed mileage corresponding to an elapsed period after the purchase of each new car is stored. The specified traveling distance is set so as to increase as the purchase lapse period becomes longer. More specifically, for example, it can be set to increase every 6000 km every six months.

In the present embodiment, the vehicle body basic price and the prescribed mileage are equal to the new car data file 121.
Is provided so that these data can be extracted when extracting the loan plan. (Figure 2
reference)

The database 120 of the server 100
Stores purchase data of the purchased car. Here, the purchase data includes purchase specifying information for specifying the purchase data and data on the purchase time (for example, purchase month) of the purchased vehicle. It is also possible to include the name and address of the person who purchased the new car. The purchase data is stored and managed in a purchase data file provided in the database 120.

The purchase specifying information as the purchase data is composed of the purchase specifying code and the password. The purchase specifying code and the password are notified at the time of purchase, or thereafter, specified by a method specified by each purchaser. ,
The purchase specific information is disclosed to each purchaser. Also,
As the purchase specifying code, a number related to the purchased vehicle can be used, and for example, a character string including a plurality of numbers and English characters can be used. Also, the password can be, for example, a character string composed of a plurality of numbers and English characters. Further, the purchase specifying code and the password may be a series of character strings or the like.

The database 120 of the server 100
As the purchase data stored in the vehicle, the vehicle base price according to the purchase elapsed period for the purchased vehicle as described above is stored, and the prescribed driving according to the purchase elapsed period for the purchased vehicle as described above. The distance is stored.

The database 120 of the server 100 is provided with a purchase data master for storing, for each purchase data, a basic vehicle price and a specified mileage according to the purchase elapsed period. The purchase data master is stored in correspondence with the purchase specifying information, and is provided so that the purchase data master relating to the purchased vehicle is extracted based on the purchase specifying information.

Here, the purchase data master also stores the amount per unit of the actual mileage assessment price based on the difference between the actual mileage of the purchased vehicle and the specified mileage. Specifically, for example, it is set at 5 yen per 1 km.

Further, the purchase data master stores a calculation formula for calculating the actual travel distance assessment price based on the purchase elapsed time and the actual travel distance data. Actual mileage assessment price (yen) = (prescribed mileage (Km)-actual mileage (Km)) x A (yen / Km) ... (Equation 1) Here, A is set to, for example, 5 yen. You.

The purchase data master stores failure repair data relating to the purchased vehicle. The failure repair data is stored as a failure repair score according to the degree of failure or repair of the purchased vehicle. It is remembered. Also,
The purchase data master also stores the amount of money corresponding to the number of repairs, specifically, 500 points per point.
It is set to 0 yen.

Further, the purchase data master stores a formula for calculating the failure repair assessment amount, which is specifically calculated by the following formula. Failure repair assessment price (yen) = cumulative failure repair points (points) × B (yen / point) (Equation 2) Here, B is, for example, 5000 yen.

In the purchase data master, a calculation formula for calculating a purchase calculated price of the purchased vehicle based on the various data on the purchased vehicle is stored. Specifically, the following formula is used. Purchase calculation price = vehicle base price + actual mileage assessment price-breakdown repair assessment price (Equation 3)

The purchase data described above is stored and managed in the purchase data file 123 in the illustrated example. For example, bibliographic items such as purchase identification information and the name of the purchaser are stored as separate files. And storing the purchase data master as a separate file is a matter whose design can be changed as appropriate.

The database 120 stores a purchase data master form that is the basis of each purchase data master. The purchase data master form is stored in correspondence with the vehicle body identification code, and is managed and stored in a form file 125 provided in the database 120. This purchase data master form is provided according to each vehicle type, grade, and the like, and stores items (for example, prescribed mileage and calculation formulas) that can be commonly used among the items of the purchase data master.
Then, when the purchase data is input, the purchase data master form of each purchase data as described above regarding the purchase is created using the purchase data master form and stored in the database 120.

The database 120 stores loan balance information (repayment status) such as the repayment status of the loan for the purchased vehicle. This loan balance information is stored in the database 120 corresponding to the purchase specifying information.

The database 120 describes a contract form relating to the purchase. This contract form is created for common items irrespective of vehicle type and the like. For example, the purchase guarantee price and the like are blank. This contract form is stored in correspondence with the vehicle identification code, and is stored and managed in a contract form file (not shown) of the database 120.

The database 1 of the server 100
The data stored in the server 20 may be input by, for example, the input unit of the server 100, or may be input by the input unit of the client computer 200, for example. In addition, the server 1
00 stored in the database 120 of the client computer 200.
It is also possible to provide so that it is stored in (storage means).

The loan setting assistance system S is provided so that a vehicle identification code, purchase specific information, actual mileage data, failure repair data, and the like can be input (received). Specifically, for example, the above-described data is input from input means of the client computer 200 of the loan setting assistance system S, or the purchaser's terminal 300
It is provided so that the above-mentioned respective data inputted and transmitted in the above can be received by the receiving means.

The server 1 of the loan setting assistance system S
The processing means 110 is provided so as to be able to extract a loan plan corresponding to the vehicle identification code in the storage means 120 upon receiving a loan plan request signal including the vehicle identification code. Further, the loan plan extracted in this manner is provided to the transmitting means, for example, to the client computer 200 as the transmission source or the terminal 300 of the purchaser (hope).

The processing means 110 of the server 100
For example, when the purchaser purchases a new car and inputs / transmits purchase data using the input means of the client computer 200, that is, the processing means 110 registers the purchase data in the database 120 of the server 100. It is provided that the purchase data is stored in the database 120 when a request is made. In particular,
The purchase specifying information for specifying the purchase is stored in the database 120, and the purchase data master described above is created and stored in the database 120 corresponding to the purchase specifying information. When the purchase data master is created, the above-described purchase data master form is used. The processing means 110 extracts the form in the database 120 based on the input vehicle identification code. Take advantage of it. In this use, if there are special circumstances or the like, it is also possible to create a purchase data master by changing the data of the specified traveling distance and various coefficients.

The processing means 110 of the server 100 (or the processing means 11 of the client computer 200)
0) is provided so that when a purchase of a new car is determined, a contract form in the database 120 is extracted and necessary items specific to the contract are input to create a contract. Specifically, as shown in FIG. 4, necessary items such as a vehicle basic price, a prescribed mileage, a coefficient relating to a prescribed mileage, a failure repair coefficient, and the like according to the elapsed period for each contract (for each purchase) are processed by The same data as those input to the database 120 are used for inputting this contract.

The processing means 110 of the server 100
For example, when the purchaser purchases a new car and inputs / transmits the failure repair data of the purchased car by the input means of the client computer 200, in other words, the failure repair data of the purchased car is sent to the processing means 110. Server 100
When a request for registration in the database 120 is made,
It is provided that the failure repair data is stored in the database 120 in association with the purchase data. Specifically, the purchase data master is specified on the basis of purchase specifying information for specifying the purchase, and the repair data (failure repair score) is stored in the purchase data master. .

The processing means 110 of the server 100
For example, when the purchaser transmits the purchase specific information from the terminal 300 or the client computer 200, that is, when the purchase specific information is input to the processing unit 110, the registration in the input database 120 is performed. It is provided to check the consistency with the information. Specifically, the processing means 110 is provided so that the consistency between the input (transmitted) purchase identification code and password and the purchase identification code and password registered in the database 120 is confirmed.

The processing means 110 of the server 100
As described above, when purchase specific information is input, the purchase data is extracted from the database 120.

Further, the processing means 110 of the server 100
Is the time of purchase of the purchase data extracted in this way,
It is provided to calculate a difference (elapsed period) from the current time, which is data held by the server 100. In addition,
A future time (for example, six months later) other than the present time is transmitted from the terminal 300 or the like, that is, provided in the processing unit 110 so as to be inputtable, and a difference (purchased elapsed time) between the future time and the purchase time is calculated. It is also possible to provide it.

The processing means 110 of the server 100
Based on the purchase elapsed period calculated as described above, the vehicle body basic price corresponding to the purchase elapsed period is stored in the database 12.
It is provided so that it can be extracted (or calculated) from zero.
Specifically, the processing means 110 is provided so as to extract a specific purchase data master based on the above-described purchase specifying information, and to extract a vehicle basic price according to the purchase period in the purchase data master. ing.

Further, the processing means 110 of the server 100
Is based on the elapsed purchase period calculated above,
It is provided so that a specified traveling distance corresponding to the purchase elapsed period can be extracted (or calculated) from the database 120. Specifically, the processing means 110 is provided to extract a specific purchase data master based on the above-described purchase specification information, and to extract a specified mileage in the purchase data master according to the purchase period. ing.

The processing means 110 of the server 100
It is provided so that the actual mileage assessment price can be calculated based on the specified mileage extracted (or calculated) as described above and the actual mileage data input by being transmitted from the terminal 300 or the like. . Specifically, processing means 1
Numeral 10 is provided so as to calculate the difference between the specified mileage extracted as described above and the input actual mileage data, multiply the difference by a coefficient, and calculate the actual mileage assessment price. That is, it is provided to calculate the above equation (1).

The processing means 110 of the server 100
With respect to the purchase data specified as described above, a failure repair assessment price of the purchased vehicle is calculated.
Specifically, the processing means 110 of the server 100, after the purchase specifying information is input as described above, extracts the purchase data master, adds up the failure repair points of the purchase data master, and adds the failure repair coefficient Is provided for multiplication. That is, it is provided to calculate the above equation (2). In the calculation as in the above equation (2), multiplying each repair point of the purchase data master by the repair coefficient and accumulating this amount is also a matter that can be appropriately changed in design.

The processing means 110 of the server 100
It is provided to calculate the purchase assessment price based on the vehicle body basic price and the actual mileage assessment price calculated as described above. Specifically, by adding up the above-mentioned vehicle base price, actual mileage assessment price, and failure repair assessment price, the purchase assessment of the purchased vehicle according to the elapsed purchase period, actual mileage, and repair experience Calculate the price. Specifically, the processing means 110 is provided to calculate the above equation (3).

The processing means 110 of the server 100
The purchase assessment price calculated as described above is provided so as to be transmitted to, for example, the client computer 200 as the transmission source or the terminal 300 of the purchaser (desired) by the transmission means.

When the server 100 receives a loan balance request signal including purchase specific information, for example, by inputting / transmitting purchase specific information from the client computer 200 or the terminal 300, the processing means 110
It is provided so as to extract loan balance information (repayment status) such as the loan repayment status of the purchased vehicle corresponding to the purchase specific information in the database 120. And
This loan balance information is also provided so as to be transmitted to, for example, the client computer 200 as the transmission source or the terminal 300 of the purchaser (desired) by the transmission means, as described above.

The processing means 110 of the server 100
It is provided to calculate the difference between the loan balance information extracted as described above and the calculated purchase assessment price. The difference between the loan balance and the purchase assessment price is also provided so as to be transmitted to the transmission means, for example, to the client computer 200 or the terminal 300 of the purchaser (hope), as described above.

The client computer 200 and the terminal 300 are provided so as to receive the data transmitted as described above (purchase assessment price, the above-mentioned loan plan and loan balance information, etc.) by the receiving means, and display the received data. Have been.

The system S of the present embodiment has the above configuration. Next, an operation method of the system S of the present embodiment will be described.

First, a loan setting method using the loan setting assistance system S will be described. For example, a purchaser who wishes to purchase a new car inputs his / her vehicle identification code using the client computer 200 or the terminal 300. Then, a loan plan request signal including the vehicle body identification information is transmitted. Then, when the input vehicle identification code is input to the processing means 110 (of the server 100) of the system S, the processing means 110 extracts information on the new vehicle corresponding to the vehicle identification code. Then, the processing means 110 transmits the loan plan for the new car to the client computer 200 or the like which is the transmission source, and the loan plan is displayed on the client computer 200 or the like. Therefore, the purchase applicant can easily know the loan plan for purchasing the new car. In particular, this loan plan covers a predetermined period (7
Within 2 months), the loan plan is not to be restructured, such as interest rate review, and the loan plan is to repay the entire price at a fixed interest rate for a predetermined period (72 months). It is possible to purchase a new car based on the

When a new car is purchased based on the loan plan, for example, the client computer 20
By 0, the purchase data is input and transmitted to the server 100. Then, the purchase data is stored in the database 120 (of the server 100) of the system S. Here, as for the purchase data, the processing unit 110 of the server 100 stores the purchase specifying information for specifying the purchase in the database 120 and notifies the purchaser of the purchase specifying information by a method such as a document. Is done.

In storing the purchase data,
The purchase data master described above is created by the processing means 110 in accordance with the purchase identification information, and is stored in the database 12.
0 will be stored. Specifically, the processing unit 11
0 extracts the form in the database 120 from the processing means 110 based on the input vehicle identification code,
Based on this, a purchase data master is created, and this purchase data master is stored in the database 120 in association with the above-described purchase specific information.

When a failure or repair or the like occurs in the purchased car, the failure repair data is stored in the database 120 by the processing means 110 of the server 100. When storing the failure repair data, a person first determines the points to be assigned to the failure, repair, and the like, and stores the points. It should be noted that a typical failure / repair may be provided so that the processing means 110 determines the score by inputting a name of the failure or the like. More specifically, the storage of the failure repair data will be described in more detail. First, purchase identification information is input to identify a purchased vehicle for which the failure repair data is to be stored, and the processing unit 110 purchases the purchased vehicle. The data master is specified, and the failure repair data (failure repair points) is stored in the purchase data master.

Next, the procedure for calculating the assessed price using the present system S will be described (see FIG. 5). Note that, here, the description will be given mainly of calculating the purchase assessment price in the current state. For example, the calculation of the future purchase assessment price based on information assumed in the future (for example, the actual mileage, the purchase elapsed period, etc.). Is also possible.

First, the purchaser or the like inputs the purchase specifying information and the actual mileage data using the terminal 300 or the client computer 200, and the system S (the server 10).
0) (S100). In addition, for this transmission, a method of inputting and transmitting the actual traveling distance data after transmitting the purchase specifying information can also be adopted.

The system S (server 100) that has received the purchase specifying information transmitted as described above,
0 is the received purchase specifying information and the database 12
0 to confirm the consistency with the purchase specifying information (S20)
0). Specifically, the processing unit 110 checks the consistency between the input (transmitted) purchase specifying code and password and the purchase specifying code and password registered in the database 120. When the consistency is confirmed, the processing unit 110 of the server 100
The purchase data is extracted from the database 120 (S
210). It should be noted that if the consistency is not confirmed, an error display or the like may be provided.

Then, the difference (elapsed period) between the purchase time of the purchase data extracted as described above and the current time, which is data held by the server 100, is calculated by the processing means 110 (S220).

Then, based on the purchase elapsed period calculated as described above, the processing means 110 extracts (or calculates) the vehicle body basic price corresponding to the purchase elapsed period from the database 120 (S230). Specifically, the processing unit 110 extracts a specific purchase data master based on the purchase specification information, and extracts a vehicle basic price corresponding to the purchase elapsed period in the purchase data master.

Further, based on the purchase elapsed period, the processing means 110 of the server 100 extracts (or calculates) the specified mileage from the database 120 according to the purchase elapsed period (S240). Specifically, the processing unit 110 extracts a specific purchase data master based on the purchase specification information, and extracts a specified mileage in the purchase data master according to the elapsed purchase period. Then, the specified travel distance extracted (or calculated) by the processing unit 110 of the server 100 as described above, and the terminal 300
The actual mileage assessment price is calculated based on the actual mileage data input by, for example, being transmitted from (S25)
0). This calculation is performed based on the above equation (1).

Further, the processing means 110 of the server 100 calculates a failure repair assessment price of the purchased vehicle based on the purchase specifying information (S260). Specifically, as described above, a specific purchase data master is extracted based on the purchase specification information, and the failure repair assessment price is calculated by the processing unit 110 using the information of the purchase data master. This calculation is performed based on the above equation (2). That is, as the repair data, the repair points are used.

Then, based on the vehicle body basic price and the actual mileage assessment price calculated as described above, the processing means 11
The purchase assessment price is calculated based on 0 (S270). Specifically, the above-mentioned basic vehicle price, actual mileage assessment price,
In addition, the breakdown repair assessment price is calculated. This calculation is
This is performed based on the above equation (3).

The purchase assessment price calculated as described above is transmitted by, for example, the transmission means to the client computer 200 as the transmission source or the terminal 300 of the purchaser (hope) (S280). Then, the client computer 200 or the like receiving this displays the purchase assessment price (S110). For this reason, the purchaser can accurately know the current purchase assessment price of the purchaser. In particular, the purchase assessment price is based on the actual mileage and the failure repair data, so that the purchaser can know a price that is extremely close to the actual purchase price. You can do it.

Further, the loan repayment status (loan balance) in the database 120 is also extracted by the processing means 110 based on the purchase specifying information, and the difference between the loan balance and the purchase assessment price is also calculated. ,
The buyer can very easily make a decision on the buyer's trade-in.

The invention of the present application is not limited to the configuration of the above embodiment, and the design can be appropriately changed within the scope of the present invention.

Although the description has been given of the case where each data is extracted and calculated by the processing means 110 of the server 100 of the system S, it is also possible to provide such processing that the processing means 210 of the client computer 200 performs, for example. For example, it is a matter that the design can be changed as appropriate such that the loan plan is stored in the database 220 of the client computer 200 and provided so that the processing unit 210 can extract the loan plan.

In the above embodiment, the server 1
A description has been given of a case where the purchase assessment price calculated from 00 is transmitted to the terminal 300 or the like.
And transmission to the terminal 300 is also a matter whose design can be changed as appropriate.

In the description of the above embodiment, the processing means 110 of the server 100 is illustrated as a single physical processing means in the system S for performing each of the above processing. It is also possible to provide such processing means that each performs various processing. Similarly, the use of a plurality of objects in the database is also a matter whose design can be appropriately changed.

In the present invention, the following system configuration can be adopted. Hereinafter, a second embodiment of the present invention will be described with reference to FIGS. Note that a description of a portion having the same configuration or function as the first embodiment described above is partially omitted. FIG.
FIG. 1 is a schematic explanatory diagram for explaining the overall configuration of the present embodiment. FIG. 7 is an exemplary diagram showing an example of a display screen used in the embodiment. FIG. 8 is a flowchart of an operation method of the system S of the embodiment.

First, the overall configuration of this embodiment will be described. As shown in FIG. 6, a database 120 storing various data, a processing unit 110 for performing processing such as extraction of information of the database 120, The computer 100 includes an input unit for inputting information to the system S. The computer 100 can be provided to be installed in, for example, each business office. Further, similarly to the first embodiment, it is possible to configure the present system S from a server and a client computer connected to the server via a network. For this purpose, the server and the client computer transmit external information. It is also possible to provide a transmission / reception means for receiving and transmitting information to the outside. In this case, the server is installed in one place such as the head office, the client computer is installed in each sales office or the like, and the server and the client computer are connected by various known lines. May be provided so that the server transmits various data in response to a request from the server.

As in the first embodiment, the database 120 stores data relating to a new vehicle. When the new vehicle data is specified (when the vehicle identification code is input), the processing unit 110 specifies the new vehicle data. It is provided to extract the vehicle body selling price.

The database 120 stores data relating to the purchase price after a certain period of time as new vehicle data. The purchase price data may be the purchase price itself, but in the present embodiment, the purchase price ratio for the vehicle body basic price corresponding to the period is stored. The data on the purchase price is stored for each new vehicle data. The data on the purchase price can be stored in the new car data file of the first embodiment. More specifically, data relating to the purchase price is stored such that 55% for 36 months, 40% for 48 months, and 30% for 60 months for the vehicle identification code 1234567.

[0095] The database 120 is provided with a loan data master in which data on a loan method is stored. The data on the loan method stored in the database 120 includes the name of the loan company,
An interest rate (for example, annual interest) is stored.

The database 120 stores an input screen form for prompting the user to input the installment principal, the number of loan repayments, and the like. In the input screen form, as shown in FIG. 7, in addition to the data input by the input means (the number of loan repayments, etc.), the processing means 110
It is provided to display data extracted from 0 (for example, interest rate, etc.) and calculated data (for example, purchase price, etc.). The input screen form includes the processing means 11
It is provided that when the input means corrects the extracted or calculated data of 0, the corrected data is displayed.

Further, in the database 120, a calculation formula for calculating a loan plan for the installment principal is stored. The calculation formula specifically includes the following.

As the calculation formula stored in the database 120, a vehicle price is extracted based on the specified vehicle data, and various necessary expenses such as an acquisition tax are added to the vehicle price. This is a calculation formula for calculating an installment principal by subtracting a trade-in price (when a used car is sold when purchasing a car) and the like. Here, as the acquisition tax or the like, data or the like input by an input unit on an input screen or the like is used. When inputting, various input methods, such as selection using a mouse, can be adopted in addition to a method of inputting using a keyboard or the like.

Further, a formula for calculating the loan repayment amount based on the installment principal calculated as described above and the specified number of repayments is stored. Here, the calculation formula includes a calculation formula for calculating an installment fee of an installment principal, a calculation formula for calculating a restocking fee after a specified period of time has been specified,
A formula for calculating the loan repayment amount after the lapse of the certain period (hereinafter, referred to as the second half loan repayment amount) and a calculation formula for calculating the loan repayment amount before the certain period lapse (hereinafter, the first half loan repayment amount) are included. Have been.

The calculation formula for calculating the installment fee of the installment principal is to calculate the installment fee based on the installment principal, the number of payments and the interest rate in the entire period. The number of payments in this entire period is based on data or the like input by the input means on the input screen, and the interest rate (annual interest) is data extracted from the database 120 based on the loan company input by the input means. Is used. Specifically, this calculation formula includes a formula for converting the interest rate into the add-on rate, and is specifically based on the following two formulas. Add-on rate = number of payments x real monthly interest / (1-(1 + real monthly interest) / (-number of payments))-1 (Equation 4) Installment commission = Installment principal x add-on rate ... (Equation 5) Here, the number of payments is calculated based on the number of months. Also,
The real monthly interest is calculated by the annual interest / 12. Specifically, for example, when the annual interest rate is 4.3% and the number of payments is 70, the add-on rate = 70 × (0.043 / 12) / (1- (1
+ (0.043 / 12)) ＾ (− 70)) − 1 = 0.1
3243, and if the installment principal is 1,530,000 yen, the installment fee = 1,530,000 x 0.1324 = 20
2,572.

The formula for calculating the restocking fee when the specified fixed period has elapsed is a formula for calculating the restocking fee based on the number of payments (total number of times), the time when the purchase price is set, and the installment fee. It is. This formula also includes a formula for calculating the rebate fee rate, and is specifically based on the following two formulas. Return fee rate = (t × (t + 1)) / (T × (T + 1)) (Expression 6) Return fee = installment fee × return fee rate (Expression 7) where T is the number of payments ( And t is the number of payments remaining after the elapse of the certain period (that is, if the total number T is 70 and the purchase price is set to 34 months, the remaining number of payments t Is 36 times). Specifically, for example, in the case where the number of payments T is 70 and the number of payments t remaining after a certain period of time is 36, a return fee rate = (36 × (36 + 1)) / (70 × (7
0 + 1)) = 0.268, and if the installment fee is 202,572 yen, the restocking fee = 202,572 × 0.268 = 54,28
9

The formula for calculating the second half loan repayment amount is the set purchase price, restocking fee, and
The second half loan repayment amount is calculated based on the number of payments remaining after a certain period has elapsed. The formula includes a formula for calculating the purchase price based on the vehicle body price and the purchase price rate, and a calculation formula for calculating the calculation target amount by subtracting the set bonus addition amount from the purchase price. The vehicle body price and the purchase price rate are calculated by the processing unit 11.
0 uses the data extracted from the database 120. Purchase price = body sales price (at the time of new car) x purchase price rate ... (Equation 8) Calculation target amount = Purchase price-Bonus addition amount + return fee ... (Equation 9) Second half loan repayment amount = Calculation target amount / Remaining number of payments (t) (Equation 10) Specifically, for example, the vehicle body price is 1,560,00
If the price is 0 yen and the purchase price rate is 50%, the purchase price = 1,560,000 x 0.50 = 780,0
If the bonus repayment amount is 80,000 yen, the number of remaining repayments is 36 (the number of bonus payments is 6), and the refund fee is 54,289 yen, the amount to be calculated is = 780,000- (80,000 × 6) +
54,289 = 354,289 Second half loan repayment amount = 354,289 / 36 = 9,841
≒ 9,800. Here, the two digits or less of the loan repayment amount is rounded down.

The first half loan repayment amount is calculated based on the sum of the installment principal and the installment fee minus the purchase amount and the restocking fee. Here, the formula to calculate the first half loan repayment amount is based on the installment principal, installment fee, and the second half loan repayment amount,
It is designed to calculate loan repayments in the first half. In other words, when calculating the first half loan repayment amount as described above,
It uses the calculated first half loan repayment amount. It should be noted that this formula also includes a formula for calculating the calculation target amount by subtracting the set bonus addition amount from the installment principal. Calculation target amount = Installment principal + installment commission-Bonus addition amount in the first half-Total payment amount in the second half ... (Equation 11) Loan repayment amount in the first half = Calculation amount / Number of payments in the first half ... (Equation 12) Specifically, for example, the installment principal is 1,530,000 yen, the installment fee is 202,572 yen, the bonus repayment amount is 80,000 yen, and the number of repayments in the first half is 3
If the number of payments is four (the number of bonus payments is five) and the total payment amount in the second half is as described above, the calculation target amount = 1,530,000 + 202,572-
(80,000 × 5) − (9,800 × 36 + 80,0
00 × 6) = 499,772 First half loan repayment = 499,772 / 34 = 14,69
9 ≒ 14,600. In this case, two digits or less of the loan repayment amount is rounded down.

Further, as a calculation formula, a calculation formula for calculating the total of the fraction rounded down for each loan repayment amount is also stored, and the calculated total of the fraction is calculated based on the initial payment or the payment after a certain period of time. Is provided to be added.
Specifically, it is as follows. Total Fraction = First Half Calculation Target Amount-(First Half Loan Repayment x First Half Payment Number) (Equation 13) Specifically, in the above case, the total fraction = 499,772-14 , 600 × 34 =
3,372, and if it is added to the first payment after a certain period, the first payment in the latter half = 9,800 + 3,372 = 13,
172.

The processing means 110 of the present system S
The following functions are provided based on a program including the above-described calculation formula.

That is, when the vehicle identification code is input and other data such as various expenses are input, the processing means 110 extracts the vehicle sales price from the database 120 and also calculates various necessary expenses such as acquisition tax. It has a function of calculating the installment principal by calculating the total amount by subtracting a down payment, a trade-in price (when selling a used car at the time of purchasing a car) and the like from the total amount. Processing means 110
Is provided to display the calculated total amount and installment principal on the display screen, and also displays the extracted vehicle sales price, and the inputted data such as the necessary expenses and the trade-in price. Will be displayed.

The processing means 110 has a function of calculating a loan repayment amount based on the calculated installment principal and the specified number of repayments. In addition, since the calculation method is performed by the same processing as the above-described calculation formula, detailed description thereof is omitted, but when partially described in detail, the processing unit 110 has the following functions. .

That is, the processing means 110 has a function of calculating the installment fee of the installment principal, and more specifically, extracts the interest rate from the database 120 based on the input loan method, and converts the interest rate into the add-on rate. Converted, the converted add-on rate is multiplied by the calculated installment principal, and the function of calculating the installment commission is provided. In other words,
The processing means 110 is provided to calculate the above equations (4) and (5). Further, the processing means 110 is provided to display the calculated installment fee on a display screen, and the extracted interest rate is also displayed on the display screen. The processing means 110 is also provided to calculate the total of the installment principal and the installment fee, and the total amount is also displayed on the display screen.

Further, the processing means 110 has a function of calculating a restocking fee when the specified fixed period has elapsed based on the calculated installment fee. More specifically, the processing unit 110 calculates a restocking fee rate based on the input number of payments (total number of times) and the setting time of the purchase price, multiplies the restocking fee rate by the installment fee, It has the function of calculating the restocking fee. That is, the processing unit 110 is provided to calculate the above equations (6) and (7).

The processing means 110 has a function of calculating the second half loan repayment amount. More specifically, the processing unit 110 extracts the vehicle body sales price and the purchase price rate based on the input vehicle body identification code and the set time of the purchase price, and multiplies the two by multiplying the two. It has a function of calculating the purchase price. Processing means 110
Calculates the calculated amount of the loan in the second half period based on the calculated purchase price, the added bonus amount calculated from the input bonus repayment amount and the number of payments, and the calculated refunding fee. In addition, a function of calculating the loan repayment amount in the latter half is obtained by dividing the loan calculation target amount by the number of payments in the latter half. That is, the processing unit 110
Is provided to calculate the above equations (8) to (10). Note that the processing unit 110 also has an adjustment function of cutting off a calculated loan repayment amount less than a certain value. The processing means 110 is provided to display the calculated loan repayment amount and purchase price on the display screen, and the input bonus repayment amount and the number of payments are also displayed on the display screen.

The processing means 110 is provided so as to calculate not only the purchase price for the input fixed period but also the purchase price when a predetermined period elapses, and the purchase price when the predetermined period elapses. Is also displayed on the display screen. In this calculation of the purchase price, the same processing as that of the above-described calculation of the purchase price is performed by the equation (8). More specifically, for example, three years (36
Times), 4 years (48 times), 5 years (60 times), 6 years (72 times)
The purchase price at the point of time is calculated and displayed on the display screen.

Further, the processing means 110 has a function of calculating the first half loan repayment amount. More specifically, the processing unit 110 determines the installment principal, the installment commission, the total payment amount in the second half, and the bonus addition amount in the first half calculated from the input bonus repayment amount and the number of payments. The first half period is calculated, and the loan calculation target amount is divided by the number of payments in the first half to calculate the first half loan repayment amount. That is, the processing unit 110 is provided to calculate the above equations (11) and (12). Note that the processing means 110
The calculated loan repayment amount also has an adjustment function such as rounding down to less than a certain amount.

The processing means 110 also has a function of calculating the total amount of the fraction adjusted for each loan repayment amount as described above. More specifically, the processing unit 110 multiplies the calculated first half loan repayment amount by the first half of the number of payments, subtracts this from the first half calculation target amount,
It has the function of calculating the total amount cut off. Further, the processing unit 110 has a function of adding the total amount calculated for the adjusted fraction to a specific payment (for example, an initial payment or a payment after a certain period of time). Specifically, the processing means 110 is provided so as to be added to, for example, the first payment in the latter half, and is provided so as to display the result of this addition on a display screen.

Further, the processing means 110 calculates the same calculation formula based on not only the repayment amount based on the number of payments input as described above but also the preset data such as a predetermined number of payments. The repayment amount based on the preset data is also displayed on the screen of the input screen form (FIG. 7).
reference). Even in the calculation of the purchase price, the same processing as the above-described calculation is performed by the above equations (4) to (13). More specifically, the repayment amount is calculated based on the data of the annual interest, the down payment, the number of payments (for example, 36 times +36 times), and the bonus addition amount (for example, 0 yen) which are set in advance and stored in the database 120. It is provided as follows. When setting the down payment, the processing means 110 can be provided so as to determine a fraction (for example, 4 digits or less) of the total amount as the down payment.

Although the loan plan request signal is not described in detail in the present embodiment, in this embodiment, when the necessary items are input, the processing means 110 regards the loan plan request signal as a loan plan request signal. The calculation of the loan repayment amount is performed.

The system S of the second embodiment has the above configuration. Next, an operation method of the system S of this embodiment will be described.

First, a loan setting method using the loan setting assistance system S will be described. When the vehicle identification code desired to be purchased is input by the input means of the system S (S300), the processing means 110 extracts the vehicle body selling price (S310). When data such as expenses and down payment is input by the input unit, the processing unit 110 calculates the installment principal based on the extracted sales price (S320).

When the loan company is input by the input means, the processing means 110 extracts the interest rate from the database 120. When the number of payments and the setting time of the purchase price are input by the input unit, the processing unit 110 calculates an add-on rate based on the extracted interest rate (S330). Further, the processing means 110 calculates the installment fee based on the calculated installment principal and add-on rate (S340). Processing means 1
10 calculates a restocking fee when a certain period of time has elapsed based on the input number of payments and the timing of setting the purchase price (S350).

Further, the processing means 110 extracts the vehicle body sales price and the purchase price rate from the database 120 based on the vehicle body identification code and the set time of the purchase price input as described above, and purchases the vehicle body based on these. The price is calculated (S360). Then, the processing means 110 calculates the second half loan repayment amount based on the calculated return fee and purchase price, the input bonus repayment amount and the first half payment frequency (S370). Processing means 11
0 calculates the second half loan repayment amount based on the calculated loan repayment amount, calculates a bonus addition amount based on the bonus repayment amount and the second half payment frequency, and calculates the installment principal and The first half loan repayment amount is calculated based on the installment fee (S380). After calculating the loan repayment amount, the processing unit 110 adjusts (eg, rounds down) a fraction below a certain value, calculates the total amount of the fraction, and includes the total amount in the specified payment (S3).
90).

According to the present system S having the above configuration,
There is no need to restructure the loan after three years as in the past, and a long-term loan plan that takes into account the purchase price after a certain period of time can be calculated. There is no fear that reassembly will not be possible. In addition, loans for all prices are set up from the beginning, the interest rate setting is clear, giving the buyer a sense of security and making it easy to decide to purchase a new car. In particular, since the loan plan takes into account the restocking fee, it is possible to give the buyer a sense of security.

In the above embodiment, when calculating the loan repayment amount in the first half and the loan repayment amount in the second half, one (second half) loan repayment amount is calculated, and the calculated result is used for the other. Since the (first half) loan repayment amount is calculated, there is an advantage that the processing of the fraction of each payment can be easily performed. However, the invention described in claims 11 to 14 of the present application is not limited to this. For example, in calculating the loan repayment amount in the first half and the second half, the loan repayment amount in the first half is calculated based on the installment principal and the installment fee. The amount obtained by subtracting the purchase price and restocking fee from the total is calculated by dividing the corresponding number of payments, and the loan repayment amount in the latter half is calculated by dividing the purchase price and restocking fee by the corresponding number of payments. Can also be provided. In this case, the formula for calculating the loan repayment amount in the first half can be calculated by the following formula. First half calculation target = Installment principal-Purchase price + Installment commission-
Repayment fee-Bonus addition amount in the first half When the first half loan repayment amount calculated by the above formula and the second half loan repayment amount calculated by the above embodiment are adjusted (rounded down), the fraction by the adjustment is rounded down. Can be calculated by the following equation. Fractional amount = First half calculation target amount + Second half calculation target amount-
(First half loan repayment amount × first half payment number)-(second half loan repayment amount × second half payment number)

In calculating the first half loan repayment amount and the second half loan repayment amount, one (second half) loan repayment amount is calculated, and the calculated result is used to calculate the other (first half) loan repayment amount. Even when the calculation is performed, the calculation is not limited to the above embodiment. That is, it is possible to calculate the first half loan repayment amount first, and calculate the second half loan repayment amount based on the calculation result.
In this case, the calculation target amount of each loan repayment amount can be calculated by the following formula. First half calculation target = Installment principal-Purchase price + Installment commission-
Repayment fee-first half bonus addition amount Second half calculation target amount = installment principal + installment commission-second half bonus addition amount-total payment amount in first half Note that if the loan repayment amount calculated by the above formula is adjusted, The fraction by the adjustment can be calculated by the following equation. Fractional total = Amount to be calculated in second half-(Loan repayment in second half x number of payments in second half)

In the second embodiment, the description of the specific configuration relating to the calculation of the purchase assessment price and the like is omitted, but the second embodiment also has the configuration described in the first embodiment. Adoption is a matter whose design can be changed as appropriate.

[0124]

As described above, since the present invention has the above-described configuration, the purchaser can construct a loan for purchasing a new car with ease. That is, for example, when a purchase is requested, the loan plan can be known by using the system of the present invention, and a loan can be constructed with confidence. In addition, the loan plan can be reconstructed three years later. Since this is not done, re-examination, etc. that occurs when re-establishing a loan three years later is not necessary, and since the loan is set up for all prices from the beginning, the interest rate setting is clear, and the purchaser (payer ) Can buy a new car with confidence.

[Brief description of the drawings]

FIG. 1 is a schematic explanatory diagram for explaining an overall configuration of an embodiment of the present invention.

FIG. 2 is a schematic explanatory diagram for explaining data of a database of a server of the system of the embodiment.

FIG. 3 is a schematic diagram of a purchase data master used in the embodiment.

FIG. 4 is a schematic diagram showing an example of a contract created in the embodiment.

FIG. 5 is a flowchart of an operation method of the system of the embodiment.

FIG. 6 is a schematic explanatory diagram for explaining the overall configuration of a second embodiment of the present invention.

FIG. 7 is a schematic diagram illustrating an example of a display screen used in the second embodiment.

FIG. 8 is a flowchart of an operation method of the system S of the second embodiment.

[Explanation of symbols]

 S system 100 server 110 processing means 120 database (storage means) 200 client computer 210 processing means 220 database (storage means) 300 terminal

 ──────────────────────────────────────────────────続 き Continued on the front page (72) Inventor Masato Fujii 699-3 Kuze Nakahisa-cho, Minami-ku, Kyoto City F-System Corporation

Claims (14)

[Claims] 1. A loan setting assistance system for a car, comprising: storage means for storing data on each car; processing means for extracting data from the storage means; and inputting information about the car. Possible input means, wherein the storage means includes a vehicle body identification code of the vehicle,
The selling price of the car and the loan plan to be repaid in a predetermined period for the entire price are stored in correspondence with each other, and when the vehicle identification code is input by the input means, the processing means: A loan setting assistance system, which is provided to extract a loan plan with respect to vehicle data. 2. The loan setting assistance system according to claim 1, wherein the loan plan includes a loan which repays all prices in a predetermined period without re-assembling after a certain period such as three years. A loan setting assistance system characterized by being assembled. 3. The loan setting assistance system according to claim 1, wherein the storage means stores a vehicle basic price according to an elapsed period after the vehicle is purchased. The loan setting is characterized in that the means is configured to extract a vehicle body basic price in the storage means when an elapsed period after purchase is input, and to calculate a purchase assessment price based on the vehicle body basic price. Auxiliary system. 4. The loan setting assistance system according to claim 3, wherein the storage means stores data of a prescribed mileage according to an elapsed period after the purchase, and the processing means includes a vehicle body. When calculating the purchase assessment price based on the base price, the base vehicle price is calculated or extracted based on the purchase elapsed time, and the actual vehicle distance data input and the purchase elapsed time stored in the storage means are calculated. The actual mileage assessment price is calculated based on the specified mileage data,
A loan setting assistance system configured to calculate a purchase assessment price based on the vehicle body basic price and the actual mileage price. 5. A loan setting assistance system according to claim 3, wherein said storage means stores purchase specifying information for specifying data of a purchased car, and stores the data in correspondence with the purchase specifying information. , The repayment data of the loan that has already been repaid is stored, and when the purchase identification information is entered,
A loan setting assistance system, wherein the processing means extracts or calculates repayment data corresponding to the purchase specifying information and the purchase assessment price from the storage means. 6. A method for setting a loan for a car, comprising:
The vehicle body basic price is determined according to the elapsed period after the purchase of the car, and without re-assembling the loan after a fixed period such as three years, for example, a loan to repay the entire price in a predetermined period, A loan setting method comprising: when a purchaser desires trade-in of a vehicle body, offsets a purchase price calculated based on the vehicle body basic price with a loan residual value. 7. The loan setting method according to claim 6, wherein the storage means of the loan setting assistance system stores, as data on each car, a body identification code of the car, a selling price of the car, and a total price of the car. A loan plan to be repaid in a predetermined period for the price is stored correspondingly, the input means of the loan setting assistance system is provided so that a vehicle identification code can be input, and the processing means of the loan setting assistance system includes: A loan setting method according to a loan setting assistance system, wherein when the vehicle identification code is input, a loan plan is extracted with respect to vehicle data in the storage means. 8. The loan setting method according to claim 7, wherein the storage means stores a vehicle body basic price according to an elapsed period after the car is purchased, and the processing means comprises: A loan setting method comprising: extracting a vehicle body basic price in a storage means when an elapsed period after purchase is input; and calculating a purchase assessment price based on the vehicle basic price. 9. The loan setting method according to claim 7, wherein the storage means stores data of a prescribed mileage corresponding to an elapsed period after the purchase, and based on the purchase elapsed period. , The processing means of the loan setting assistance system,
The procedure for calculating the vehicle body basic price, the procedure for the processing means of the loan setting assistance system to calculate the actual mileage assessment price based on the input actual mileage data, the procedure based on the vehicle body basic price and the actual mileage price Wherein the processing means of the loan setting assistance system includes a procedure for calculating a purchase assessment price. 10. The loan setting method according to claim 8, wherein the storage means stores purchase specifying information for specifying data of a purchased car and repayment data already repaid for the loan. When the purchase specific information is input, the processing means extracts repayment data corresponding to the purchase specific information from the storage means,
A loan setting method comprising calculating a purchase assessment price of the vehicle body. 11. A loan setting assistance system for a residual value guarantee credit for a car, comprising: storage means for storing data related to a loan; and processing means for extracting data from the storage means. The storage means stores data for calculating a loan plan to repay the installment principal in a predetermined period, and specifies the installment principal, the number of installments, and the purchase amount after a certain period has elapsed. And the processing means calculates an installment fee for the entire period of the loan and a restocking fee when the specified amount of the purchased amount has elapsed, and calculates the installment principal and the installment fee Is calculated based on the amount obtained by subtracting the purchase amount and restocking fee from the total of
A loan setting assistance system, which is provided to be calculated based on a purchase amount and a restocking fee. 12. A method for setting a loan of a residual value guarantee credit for a vehicle by a loan setting assistance system, wherein the installment principal, the number of installments, and the purchase amount after a certain period of time are specified, the loan setting assistance system. Calculates the installment commission over the entire term of the loan and the restocking fee after the specified period of the purchase amount has been specified.For the loan repayment amount before the specified period elapses, the purchase amount and the installment A loan setting assistance system, which is calculated based on an amount obtained by subtracting a restocking fee, and a loan repayment amount after a certain period of time is calculated based on a purchased amount and a restocking fee. 13. A loan setting assisting program for causing a computer to perform a loan setting of a residual value guarantee credit for a car, wherein the installment principal, the number of installments, and the purchase amount after a certain period of time are specified. The computer calculates an installment fee for the entire period of the loan and a restocking fee after a specified period of time of the specified purchase amount,
The loan repayment amount before the lapse of a certain period is calculated based on the sum of the installment principal and installment fee minus the purchase amount and the refund fee. A loan setting assistance program characterized by being calculated based on a fee. 14. A recording medium for a loan setting assistance program, wherein the loan setting assistance program according to claim 13 is recorded.