JP2003196372A - Method and system for supporting utilization of home equity - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide a method and a system for supporting utilization of home equity by which purchase of a house such as large scale change of a living space or rent for which utilization of the home equity is enabled can be supported as living in the house for over many generations and simultaneously in accordance with life styles and life stages and consequently, review of such a house as an asset can be supported. <P>SOLUTION: A server executes an asset utilization type house purchasing method for supporting the utilization of the home equity, executes a reviewing method of utilization of the asset utilization type house in process of execution or after completion of execution of the asset utilization type house purchasing method, executes an asset utilization purchase simulation method in an execution process of the asset utilization type house purchasing method or the reviewing method of utilization of the asset utilization type house, executes an auction method by utilizing an asset utilization type housing space in an execution process of the reviewing method of utilization of the asset utilization type house and executes a housing loan auction method of the asset utilization type house in an execution process of the asset utilization type house purchasing method or the reviewing method of utilization of the asset utilization type house. <P>COPYRIGHT: (C)2003,JPO

Description

Detailed Description of the Invention

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention supports the purchase of a house that can live for many generations while at the same time being able to make a large-scale change in the living space or utilize the property, such as renting, according to the lifestyle and life stage. The present invention relates to a housing asset utilization support method and a support system capable of supporting the review of such housing as an asset.

[0002]

[Problems to be solved by the prior art and inventions] In recent years, when planning and selling apartments and single-family homes, customers that include variations in purchase prices, location conditions, floor plans, etc., using information communication networks such as the Internet Properties that meet your needs are provided. However, there are no housing planning, sales, and operation businesses that can effectively utilize the assets of the living space while living for many generations or living, as lifestyles and life stages change.

Explaining this point in accordance with the actual situation so far, in the case of a collective housing such as an apartment, it is usually
Since we often buy properties that match the situation at the time of purchase, we need to move in and out to meet the demands for the living space thereafter. As shown in FIG. 12, it is assumed that the householder is 25 to 35 years old, and the household of 2 to 5 family members purchases the condominium a near the city corresponding to the family size (see (a)). At the ages of 35 to 55, the number of families will increase to 4 to 6 when living together with parents, and a larger living space will be needed, so it is unavoidable to move to a large apartment b in the suburbs ((b)). reference). At the age of 55 to 70, the parents disappeared and the children became independent, so they lived alone and provided a large living space (see (c)). Even if you want to move to a convenient city suburb at the age of 70 to 85, suburban condominiums have low asset value and replacement is difficult (see (d)).

Further, in the case of a detached house, usually, a suburban property is purchased, so that it can be imagined as follows. As shown in FIG. 13, the head of household is 25 to 35 years old,
It is assumed that a household of 2 to 5 people has purchased a suburban single-family house c in consideration of an increase in required living space in the future (see (a)). At the age of 35 to 55, the number of families will increase to 4 to 6 when considering living together with parents, so an extension is made into a two-family house d (see (b)). At the age of 55 to 70, the parents disappeared and the children became independent, so they lived alone and provided a large living space (see (c)). At 70-85 years old, there is a greater need for repairs and an even larger living space will be provided (see (d)).

That is, the conventional single dwelling unit cannot change the amount of dwelling space in accordance with the change in the number of inhabitants, which varies over many generations, including the design concept, and it is assumed that an extra dwelling unit is used. Even if a space is created, it is difficult to create a new independent living space while living, and it is difficult to use for leasing for the purpose of utilizing assets, so effective asset management according to life stage Could not be done.

[0006] In the end, the conventional home sales business to which IT technology is applied is limited to the area where customers are selected for specific properties, or the customers are made to select them. Even if we could deal with it, it was not a total business that would enable us to live comfortably for many generations for a long period of time and even manage assets.

The present invention was devised in view of the above-mentioned conventional problems, and at the same time, while living for many generations, at the same time, depending on the lifestyle and life stage, large-scale changes in the living space or utilization of assets such as rental It is an object of the present invention to provide a housing asset utilization support method and a supporting system capable of supporting the purchase of a possible housing, and eventually supporting reviewing such a housing as an asset.

[0008]

The housing asset utilization support method according to the present invention is characterized in that the server executes the following methods (1) to (5) in order to support utilization of housing assets. And

(1) "Household composition" data requested by the client and "Purchasable amount calculation condition" data of the house,
Receives "desired conditions" data for a house, sends data for properties that match these data to the client, receives "decision / temporary holding procedure" data for matching properties requested to be input to the client, and then receives from the client Execute the asset utilization type home purchase method that executes the "contract procedure" according to the execution request.

(2) After the execution process or completion of the asset utilization type home purchasing method, "change condition input" data is accepted in response to an execution request from the client, and "reviewed asset use" that matches the "change condition input" data is received. The condition-based data is sent to the client, and then the asset utilization type housing utilization review method is executed in which the “change procedure contract” is executed in response to the execution request from the client.

(3) In the execution process of the asset utilization type housing purchase method or the asset utilization type house utilization review method, after the data of the matching property is sent to the client or after the “change condition input” data is received, the client The asset utilization purchase simulation method is executed in which the housing asset utilization is calculated according to the execution request from the client and the trial calculation result is sent to the client.

(4) In the process of executing the asset utilization type housing utilization review method, after sending the "reviewed asset utilization condition" data to the client, the real estate agent of the asset utilization destination is searched in response to the execution request from the client. Execute the asset utilization type housing space utilization auction method that sends the search result to the client.

(5) In the process of executing the asset utilization type housing purchase method or the asset utilization type housing utilization review method, after receiving the "decision / temporary holding procedure" data, or sending the "reviewed asset utilization condition" data to the client. After that, the asset utilization type mortgage auction method is executed in which the financial institution to which the loan is to be accepted is searched for in response to the execution request from the client and the search result is sent to the client.

Further, in the above-mentioned asset utilization type home purchasing method, a server equipped with a storage means and a housing database is connected to a client equipped with an input means and a display means via a communication network. Receives the requested "household composition" data and the "purchasable amount calculation condition" data of the house, stores the data in the storage means, calculates the "purchasable amount" of the house, and sends the calculation result to the client And the server receives the “desired condition” data for the house requested to be input to the client, stores the data in the storage means, and performs pass / fail judgment processing between the data and the property data in the house database to obtain a match. The data of the property to be sent to the client and the server Were selected request, the steps of receiving a selection instruction of one of properties in the matching property,
The server sends to the client a selection request "whether or not to estimate asset utilization" for the selected property for which the selection instruction has been given, and the server instructs the client to "estimate asset utilization". When received, the step of executing the asset utilization purchase simulation method, and the server receives the “asset utilization condition” data and the “asset utilization purchase condition” data regarding the selected property input to the client, and stores the data. The step of calculating the “new purchaseable amount” for the selected property by referring to the housing database and sending the calculation result to the client while the server requests the client to input “decision / decide It receives the "temporary holding procedure" data and stores it in the storage means as "decided property" data. And-up, the server is directed to determine properties, and the step of transmitting the selection request of "whether or not the search for a loan" to the client, the server, in the case of receipt of the selection instruction of the "Find a loan" from the client,
The step of executing the asset-utilizing mortgage auction method, and the server stores "loan acceptor" data and "new loan condition" data regarding the determined property determined by the asset-utilizing mortgage auction method in the storage means. At the same time, the step of receiving the input data of the "contract procedure" displaying the "new loan condition" and "loan acceptance" requested by the client, storing the data in the storage means and completing the "contract procedure" It consists of and.

In addition, the asset utilization type housing utilization review method is
A server equipped with a storage means and a housing database is connected to a client equipped with input means and display means via a communication network, and the server executes the asset utilization purchase simulation method in response to an execution request from the client. , Receives the "change condition input" data requested to be input to the client, stores the "reviewed asset utilization condition" data that matches the "change condition input" data in the storage means by referring to the housing database, and stores the data in the client. To send to
The server executes the asset utilization type housing space utilization auction method in response to the execution request from the client, stores the determined “asset utilization destination” data and “new utilization condition” data in the storage means, and stores the data. The step of sending to the client, the server sends a selection request of "presence of loan balance" to the client, and the server sends "no loan balance" from the client.
When the selection instruction is received, the step of receiving the input data of the “change procedure contract” requested by the client, storing the data in the storage means and completing the “change procedure contract” If the client receives an instruction to select "with loan balance", the step of executing the asset utilization mortgage auction method to search for the refinancing destination, and the server uses the asset utilization mortgage auction method. The "change loan agreement" and "new loan accepting party" data, which is stored in the storage means, is displayed in the "new loan accepting party" and "new loan accepting party" requested by the client The input data of “” is received, the data is stored in the storage means, and the step of completing the “change procedure contract” is completed. Characterized by comprising the a.

In addition, the asset utilization purchase simulation method is connected to a client equipped with an input means and a display means via a communication network, and also has a storage means, a living standard database, a rent income database,
Using a server equipped with a remodeling cost estimation database, the server receives the "life plan" data including the "general income" data requested by the client, and reads the "calculation data" from the storage means. Calculates the "room composition" data and "area" data using "life plan" data and "calculation data" and referring to the living standard database, and calculates the "living standard area" data requested by the client. The step of calculating the "surplus area" data by subtracting the "living level area" from the "area" upon receipt, and the server using the "surplus area" data, referring to the rent income database, and calculating the surplus area And the step of calculating the "rent income" data for the Receipt of the pre-allocation rate "data,
The step of calculating the “repayment allowance” data from the “repayment allowance ratio” data and the “rent income” data, and if necessary, the server accepts the input of the “reform scale” data from the client, and the reform cost The step of calculating the "reform cost" data with reference to the rough estimate database, and the server calculates the "repayment amount" data and "reimbursement cost" data by adding "repayment allowance" data and "reform cost" data to the "general income" data. The step of calculating the "repayment years" data, and calculating the "total repayment" data of each year from the "repayment amount" data and the "repayment allowance" data, and the server sends the above various data to the client, And a step of displaying on the display means.

Further, the asset utilization type mortgage auction method is connected to a client client and a financial agent client having input means and display means via a communication network, and a loan condition database,
Using a brokerage server that has a registered trader database and a loan ordering control system that controls the ordering and ordering of loans, the brokerage server receives the "loan condition data" that the client client has requested to input, and writes the data to the loan condition database. The step and the intermediary server receive the “registration data” requested to be input to each client of the financial institution, and write the data in the database of the registrar, and the intermediary server ranks the financial companies according to the “data for registration”. When receiving the auction participation request from each financial institution client, the intermediary server selects "loan condition data" from the loan condition database according to the "rank data" of each financial institution and selects it. Of the “loan condition data” And the intermediary server receives a request for writing the "reverse proposal data" of the loan conditions from each of the financial company clients, and the broker server controls the loan order control of the "reverse proposal data". The step of writing to the system, the intermediary server creates "report data" by referring to the loan condition database and the loan order control system, and sends it to the client client. The step of receiving the "decision data" of the loan condition including the instruction and writing it in the loan order control system and sending the "decision data" to each client of the financial institution, and the intermediary server, Rank data "
And a step of updating.

Further, the asset utilization type housing space utilization auction method is connected to a client client and a real estate agent client equipped with an input means and a display means through a communication network, and a space utilization condition database, a registered dealer database, and A step of receiving the "spatial utilization condition data" requested by the client client and writing the data into the spatial utilization condition database, using the intermediary server having a review order control system for controlling the ordering and utilization of space utilization The intermediary server receives the "registration data" requested to be input to each real estate agent client and writes the data in the registration agency database, and the intermediary server ranks the real estate agents according to the "registration data". Rank data " The method comprising the steps of, Mediation Server,
Upon receiving the request to participate in the auction from each real estate agent client, select "utilization condition data" from the space utilization condition database according to the "rank data" of each real estate agent, and browse only the selected "utilization condition data" to the real estate agent client. When the intermediary server receives a request to write the “reverse proposal data” of the utilization condition from each real estate agent client, the intermediary server reviews the “reverse proposal data” and writes it in the order control system. The server creates the "report data" by referring to the space utilization condition database and the review ordering control system and sends it to the client client, and the mediation server requests the client client to input the utilization condition including the ordering instruction. Receiving "decision data" and reviewing order control system Writes to the arm, the method comprising the steps of: sending a "decision data" to each real estate agent client, Mediation Server is characterized by comprising a step of updating the "rank data" of the real estate agent who received the order instruction.

Further, the server receives the "asset utilization condition" data regarding the selected property input to the client in the execution process of the asset utilization type home purchasing method, and then the server of the asset utilization destination responds to the execution request from the client. It is characterized by including a step of executing an asset-utilizing type housing space utilization auction method of searching a real estate agent and transmitting a search result to a client.

Further, the housing asset utilization support system according to the present invention is characterized by including the following systems (1) to (5) in order to support utilization of housing assets.

(1) "Household composition" data requested by the client and "Purchasable amount calculation condition" data of a house,
Receives "desired conditions" data for a house, sends data for properties that match these data to the client, receives "decision / temporary holding procedure" data for matching properties requested to be input to the client, and then receives from the client An asset-based home purchase system that includes a server that executes the asset-based home purchase method that executes the "contract procedure" in response to an execution request.

(2) Accepting "change condition input" data in response to an execution request from the client after the execution process or completion of the asset utilization type home purchase method, and "reviewed asset utilization" matching the "change condition input" data An asset-utilizing housing utilization review system that includes a server that sends "conditions" data to a client and then executes a "change procedure contract" in response to an execution request from the client.

(3) In the process of executing the asset utilization type housing purchase method or the asset utilization type house utilization review method, after sending the data of the matching property to the client or after receiving the “change condition input” data, the client An asset utilization purchase simulation system equipped with a server that executes the asset utilization purchase simulation method that estimates the utilization of housing assets according to the execution request from the client and sends the trial calculation result to the client.

(4) In the execution process of the asset utilization type housing utilization review method, after sending the "reviewed asset utilization condition" data to the client, the real estate agent of the asset utilization destination is searched according to the execution request from the client. An asset utilization type housing space utilization auction system equipped with a server that executes the asset utilization type housing space utilization auction method that sends out the search result to the client.

(5) In the process of executing the asset utilization type housing purchase method or the asset utilization type housing utilization review method, after receiving the "decision / temporary holding procedure" data, or sending the "reviewed asset utilization condition" data to the client. After that, an asset-utilizing mortgage auction system equipped with a server that executes an asset-utilizing mortgage auction method that searches for a loan underwriting financial institution in response to an execution request from the client and sends the search result to the client.

[0026]

BEST MODE FOR CARRYING OUT THE INVENTION Preferred embodiments of a housing asset utilization support method and a support system according to the present invention will be described below.
It will be described in detail with reference to the accompanying drawings. The housing asset utilization support method and support system according to the present embodiment are mainly “asset utilization type home purchase method and system”, “asset utilization type home utilization review method and system”, “asset utilization purchase simulation method and system”, "Asset utilization housing space utilization auction method and system",
And "asset utilization type mortgage auction method and system".

In each system, as shown in FIG. 1, a client client 2 as a customer, a financial institution client 3 of a financial institution that is a loan acceptor, and a real estate agent client 4 that is a space utilization acceptor communicate with the mediation server 1. It is configured by being connected by a network. The mediation server 1 is a system overview for the asset utilization server 5 that is the entrance of the client client 2 and the financial institution client 3 that incorporates the “asset utilization type home purchase system” and the “asset utilization type home utilization review system”. The server 6 for the financial agent serving as an entrance for transmitting the explanation and receiving the registration execution instruction from the financial agent client 3 to execute the registration processing and the real estate agent client 4
A server 7 for a real estate agent serving as an entrance, which transmits a system outline description to the client, receives a registration execution instruction from the real estate agent client 4, and executes registration processing,
Registered trader databases 8 and 9 in which registration data including the rank of the business level of these traders is written from the registered contents for each of the financial trader client 3 and the real estate trader client 4 that received the registration, and the financial trader client 3 that received the registration And the real estate agent client 4 controls the browseable level of the data in the mediation server 1 in order to allow each realtor to browse the data corresponding to the rank of each broker, and the broker browsing control system 10
And a loan condition database in which loan condition data including the job rank corresponding to the loan amount and the like is written by transmitting and receiving the loan condition data between the intermediation server 1 and the financial institution client 3 and the client client 2. 11, the mediation server 1, the real estate agent client 4, and the client client 2 send and receive space utilization condition data, and the space utilization condition data including a job rank corresponding to the size of the rental scale is written. The space utilization condition database 12 and various instructions received from the client client 2, for example, a browsing instruction to browse a reverse proposal from the loan accepting financial institution or a loan ordering instruction, or a reverse proposal from the space utilizing underwriting real estate agent. Mediation server for viewing instructions to browse Underwriting loan between the customer browsing control systems 13 and 14 for controlling the browseable level of the data in 1 and the intermediary server 1, the financial agent client 3 and the client client 2, and the reverse proposal of the loan condition from the financial agent to the customer. , Loan order control system 15 that controls the sending and receiving of various data such as loan orders, underwriting of space utilization between brokerage server 1 and real estate agent client 4 and client client 2 and the condition of space utilization from the real estate agent to the customer. It comprises a review order control system 16 that controls the sending and receiving of various data such as reverse proposals and space utilization orders.

(A) "Asset Utilization Type Home Purchase Method" The "asset utilization type home purchase method" will be described below together with its system. The method is as shown in the flow chart of FIG. The asset utilization server 5 of the mediation server 1 sends a screen for displaying the “table of contents” to the client client 2. The transmitted "table of contents" screen is generated on the display means such as the monitor of the customer client 2. When the "asset utilization type home purchasing method" is selected in the customer client 2 using an input means such as a mouse or a keyboard (step 10), the mediation server 1 receives this selection instruction. Upon receiving the selection instruction, the intermediary server 1 sends to the client client 2 a “summary” screen displaying “explanation of asset-utilizing housing”. A "outline" screen is generated on the display means of the customer client (step 11).
With this screen display, it is possible to give an overview of the "asset utilization type home purchasing method" to be executed.

When a display request for requesting the "basic condition input" screen from the "summary" screen is executed by the input operation of the input means of the client client 2, the intermediary server 1 sends the "basic condition" to the client client 2. Send the input screen that displays "input". In the display means of the customer client 2,
The input screen of "basic condition input" that has been sent is generated. Here, the household composition and age, which is the personal information of the customer,
Input items for "household composition" such as relationships and occupations, and "purchasable amount calculation conditions" such as annual income, self-fund, monthly repayable amount, bonus repayable amount, loan interest rate, and repayment period are displayed.

When the input operation is performed by the input means of the customer client 2 and the input to each input item is executed and the calculation execution request is input, the data of "household composition" and "purchasable amount calculation condition" are provided to the customer. The data is sent from the client 2 to the mediation server 1, and the mediation server 1 stores it in the storage device 17 such as the hard disk so that it can be updated as individual data (step 12). Further, in the mediation server 1, in response to a calculation execution request from the customer client 2,
A so-called "purchasable amount simulator" is launched, which executes four arithmetic operations according to predetermined rules and trial-calculates the tentative purchasable amount based on the data of "household composition" and "purchasable amount calculation conditions". , "Purchasable amount" is calculated by automatic calculation as a rough guide.

The mediation server 1 stores this "purchasable amount" in the storage device 17 so that it can be updated, and sends the data to the customer client 2. On the display means of the customer client 2, a screen of “purchasable amount” sent from the mediation server 1 is generated. When the display request for requesting the “Property search” screen from the “Basic condition input” screen is executed by the input operation of the customer client 2, the intermediary server 1 sends the “Property search” to the client client 2. Sends the input screen to be displayed. On the display means of the customer client 2, an input screen for “property search” is sent.

[0032] Here, the area and transportation, requests for the surrounding environment, locations such as educational facilities, service contents, and the size and price of the living space, age, floor height, floor, direction of the daily conditions, service contents , Input items of "desired conditions" such as property information such as whether pets or pianos are allowed are displayed. By the input operation by the input means of the customer client 2,
When the input to each input item is executed and the search execution request is input, the mediation server 1 receives the “desired condition” data from the customer client 2 and stores it in the storage device 17 as updatable as personal data. (Step 13).
Here, the mediation server 1 is provided with an asset utilization type housing database 18. The input item of "desired condition" corresponds to the item of the asset utilization type housing database 18 of the mediation server 1, and it is possible to perform the matching judgment with "desired condition".

Further, the storage device 17 of the mediation server 1 stores the data of "property list", and the mediation server 1 searches the asset utilization type housing database 18 to determine "matching conditions". Send out the "Search Result" screen that displays the list of properties matching the search results. The screen of the received "search result" is generated on the display means of the customer client 2 (step 14). In addition, in the asset-utilizing housing database 18, the property plan used in the step of “examination, space presentation, and determination of asset utilization method”, which will be described later, variations of the asset utilization method, and photographs of the overview and the introspection. Item data such as perspective is also accumulated.

By the input means of the customer client 2,
When the selection instruction of “selection of property” for selecting a specific property is input on the screen of “search result”, the mediation server 1 receives the selection instruction (step 15). Mediation server 1
Makes an inquiry to the customer client 2 as to whether or not to "estimate asset utilization" in the future (step 16), and the inquiry is displayed on the display means of the customer client 2. When the input operation by the input means of the customer client 2 inputs that the trial calculation need not be performed,
The mediation server 1 receives this instruction, and compares the "property price" with the "new purchaseable amount" (step 1).
7). Here, the “new purchaseable amount” means the amount calculated based on the processing in step 19 described later, but if the trial calculation is not executed, the comparison is performed using the “purchasable amount”. To be done.

When the "new purchaseable amount" is less than the "property price", the intermediary server 1 returns to step 15 to reconsider the purchased property, regenerates the "search result" screen, Send to customer client 2. If the "new purchase available amount" exceeds the "property price", the mediation server 1
Sends an input screen of “decision / temporary holding procedure” to the client client 2. An input screen of "decision / temporary holding procedure" is generated on the display means of the customer client 2 (step 18).

On the other hand, when "trial calculation of asset utilization" is input and transmission is performed to the intermediary server 1, the intermediary server 1 makes a trial calculation as a reference for asset management, a proposal of living space, In order to carry out the processing of “examination of asset utilization method / presentation / decision of space” for executing the decision as to whether or not to make a proposal, a living standard database 19, a remodeling cost estimation database 20, a rent income database by region 21,
The "asset utilization purchase simulation" executed by using the "advanced repayment simulation" or the like is started (step 19).

This simulation will be described later. At this time, “asset utilization conditions” and “asset utilization purchase conditions” input from the input means of the client client 2
With regard to the above, the intermediary server 1 stores it in the storage device 17 so that it can be updated. Then, the intermediary server 1 calculates the "new purchaseable amount" based on such consideration of asset utilization, and compares the "new purchaseable amount" with the "property price" (step 17). When the “newly purchaseable amount” is less than the “property price”, the intermediary server 1 returns to step 15 to reconsider the purchased property, regenerates the “search result” screen, and returns to the client client 2 Send to. When the “newly purchaseable amount” exceeds the “property price”, the intermediary server 1 sends an input screen of “decision / temporary holding procedure” to the customer client 2. An input screen of "decision / temporary holding procedure" is generated on the display means of the customer client 2 (step 18).

On the input screen of this "decision / temporary holding procedure", the "decided property" and "details such as contact information" for the owner or the mediator of the decided property are input by the input operation of the client client 2 When the input for notifying the information is made and the transmission instruction is executed, the mediation server 1 receives the input data of the “decided property” and the “details of contact information” and stores it in the storage device 17 so that it can be updated. Then, the "temporary holding procedure" for the "decided property" is completed. This “temporary holding procedure” may be notified to the owner of the decided property or the like. With the input means of the customer client 2, on the screen of "decision / temporary holding procedure",
When the selection instruction as to whether or not to "find a loan" is input (step 21), the mediation server 1 receives this selection instruction.

When the intermediary server 1 receives the selection instruction indicating that it is not necessary, the intermediary server 1 displays the “temporary contract procedure” input screen displaying the “temporary contract conditions” stored in the storage device 17 of the client client 2. And the input screen of this "temporary contract procedure" is generated on the display means of the customer client 2 (step 22). When details such as payment conditions are input by an input operation of the input means of the customer client 2 and an ID and password are input and a transmission instruction is executed, the mediation server 1 receives this and stores it in the storage device 17. It is stored so that it can be updated, and the "temporary contract procedure" for the "decided property" is completed. Thereafter, the matters relating to the “temporary contract procedure” are accepted by the intermediary server 1 by collating the ID and password input from the client client 2 by the input means.

On the other hand, when the selection instruction to "find a loan" is received, the mediation server 1 activates the "asset utilization type home loan auction system" compatible with the communication network described later (step 23). This “mortgage auction system” accepts access from the client client 2 and executes a search for a financial institution to accept a loan based on the conditions input so far. Here, selection of a candidate trader, necessity of acceptance of a reverse proposal from the candidate trader, and the like are also selected. When the “mortgage auction system” is executed and a “loan acceptance destination is determined”, the intermediary server 1 first stores the storage device 17 based on the determination in the “mortgage auction system”.
New "new loan terms" different from those stored in
And "loan acceptance" are stored in the storage device 17 so that they can be updated, and an input screen of "temporary contract procedure" displaying these "new loan conditions" and "loan acceptance" is sent to the client client 2 (step Two
4) Then, an input screen of this "temporary contract procedure" is generated on the display means of the customer client 2 (step 22).

At the stage of presenting the "new loan condition" described above, the intermediary server 1 responds to a processing request by the input means of the customer client 2 and, in order to recalculate the new loan condition, performs the "asset utilization purchase simulation". "
Is activated (step 25). On the other hand, when the “mortgage auction system” is not executed and the “loan acceptance destination determination” is not made, the intermediary server 1 returns to step 19 when step 15 or step 17 has passed.

(B) "Asset Utilization Purchase Simulation Method" The "asset utilization purchase simulation method" will be described below together with its system. This method is as shown in the flowchart of FIG. 3, and when the input process of the input data is completed by using the input means of the customer client 2, the intermediary server 1 receives the input instruction and automatically calculates according to the input data. The calculation result screen is transmitted to the customer client 2, and a screen for displaying the result is generated on the display means of the customer client 2.

In this simulation method, "residence level database" stored in the intermediary server 1 for setting the relationship between household personnel and living level shown in FIG. 4 and the renovation cost required for rent shown in FIG. "Reform cost estimation database (table)", which is set based on changes in the rented area before and after the renovation, and "By area", which sets the rental income for the rented area in each area, such as areas A and B shown in Figure 6. A rent income database (rental income table) "and a program for executing a known" advanced repayment simulation "for automatically calculating loan repayments and the like are used. More specifically, when the "asset utilization purchase simulation" is activated, the mediation server 1 sends a life plan creation input screen as shown in FIG. 7 to the client client 2 and displays it on the display unit of the client client 2. Generates the screen.

The life plan (details) is entered in the customer client 2 using the input means (step 50). Here, the mediation server 1 which has already completed the input
The “household composition” stored in the storage device 17 of
Data regarding the “purchasable amount calculation condition”, “purchasable amount”, “desired condition”, “decided property”, etc. is stored in the storage device 17.
In addition to being read in advance from the client client 2, the mediation server 1 receives input data such as the start / end of the age of cohabitation, the age of cohabitation with future cohabitants, and the number of years to study the live plan. Further, as an input of the calculation method, the mediation server 1 receives selection data such as a repayment amount compression type or a period reduction type from the customer client 2 (step 51). When the previously calculated available purchase amount is lower than the property price, the repayment compression type is selected in the mediation server 1.

Next, when the execution request of the life plan display and space utilization (rental ratio) is executed by the input means of the client client 2, the mediation server 1 accepts the execution request and the client client 2 displays an execution screen therefor. A table format screen as shown in FIG. 8 is generated on the display means of the customer client 2. When data is appropriately input to the items in the table using the input means in the client client 2, the mediation server that receives the input data executes the automatic calculation and returns the result to the corresponding item in the table, As a result, each item displayed on the execution screen is filled in (step 52). For example, if you select the level of residence level, the surplus area will be calculated. Here, the residence level (low),
Calculate the "room composition" and "area" for each of the three types of (medium) and (high), subtract the "selected living area" from the selected "house area", and calculate the "surplus area" for each year. To calculate.

Based on the "surplus area", 60 m ² or 90 m
If you enter any of the rented areas that are initially set to ^2, etc., the "rent income calculation" will be executed each year using the "rent income database by area (rent income table)".

When the repayment quota ratio of rent income is entered, the "repayment quota" is automatically calculated.

From the special expenditure related to the house, for example, the input of the reform scale, the calculation of the "reform cost" using the "reform cost approximate database (table)" is also executed.

Then, the "repayment allowance (rent repayment amount)" is advanced and the "repayment amount" or "loan repayment years" other than the rent income is also calculated. For this calculation, a program that executes a known “advance repayment simulation” is used. From the "repayment amount" and the "repayment allowance", the "total repayment amount" for each year is calculated. Then, when the annual repayment amount is 25% or more of the income, a message prompting a condition change is transmitted and displayed on the display means of the customer client 2. In addition, the difference between rent income and loan allocation is also calculated, and a guideline for funds after retirement is displayed. Then, as the final calculation result, the mediation server 1 executes “asset utilization type loan repayment plan determination (purchase determination)”, sends it to the client client 2, and a screen for displaying the result on the display screen of the client client 2 is displayed. It is generated (step 53).

(C) "Asset Utilization Mortgage Auction Method" The "asset utilization mortgage auction method" will be described together with its system. This method is used when searching for a loan recipient in the execution process of the "asset utilization type home purchase method". In FIG. 1, the asset utilization server 5 of the mediation server 1 receives the loan condition input instruction from the customer client 2 and then receives the client client 2
The ID and password are issued to the customer, and the "purchasable amount calculation conditions" that are already stored in the storage device 17 and the new input such as the deadline of the reverse proposal from the financial institution regarding the loan are input. Write the data to the loan condition database 11.

On the other hand, the financial institution server 6 writes the input data into the registered institution database 8 in accordance with a write request from an unspecified number of financial institution clients 3 who have entered data for registered items as shown in FIG. At the same time, the issuing procedure for issuing the ID and password to the financial institution client 3 is executed. At this time, the server 6 for financial companies ranks the financial companies based on the transaction history such as the total transaction amount and the number of transactions and the capital of the financial companies in order to secure safe and secure loan transactions. Rank data 22
Is created, and the trader rank is also written in the registered trader database 8 in an updatable manner. The mediation server 1 permits the data in the mediation server 1 to be browsed in accordance with the auction participation requests of the numerous financial agent clients 3 whose registration has been completed.

When the financial institution client 3 makes a browsing request, the broker browsing control system 10 of the intermediary server 1
In order to protect customers, the loan condition database 11 and the registered trader database 8 are provided so that only a financial institution with a high business rank is allowed to browse in the case of a property with a high business rank such as a high-value transaction. Processing for matching the job rank of the financial institution with the trader rank is executed to select loan condition data that can be viewed by the financial institution client 3.
Sends the loan condition data that can be viewed to the financial institution client 3, and a screen of the loan condition data that can be viewed is generated on the display means of the financial institution client 3.

When the input of the loan agent client 3 inputs the reverse proposal of the loan condition according to the loan condition data, the intermediary server 1 executes a process of writing the data of the reverse proposal into the loan order control system 15. To do. The brokerage server 1 refers to the loan condition database 11 and the loan order control system 15 and creates information on the deadline of the counter-proposal, the presence or absence of the counter-proposal, and the presence / absence of the financial institution to be the underwriter, and the client client. Send to 2. The brokerage server 1, which has received from the client client 2 the ID and the password, and the decision data such as the acceptability of the loan acceptor of the loan selected according to the report data and the opposite proposal thereof,
The decision data is written in the loan order control system 15.

At the same time, the intermediary server 1 executes, from the loan order control system 15, a contact process for ordering or not ordering based on the decision data, to each of the financial institution clients 3 participating in the auction. Loan ordering control system 1 for financial companies that have received orders
5 updates the data contents such as the total transaction amount and the transaction frequency of the registered trader database 8 according to the establishment of the transaction. After that, the intermediary server 1 records the presence or absence of the loan acceptor and the established loan condition in the storage device 17 of the asset utilization server 5 as “loan acceptor and new loan condition”. After that, the loan order control system 15 of the intermediary server 1 executes the above-described processing of step 22 between the client client 2 and the financial institution client 3.

The client server 2 executes a process of assigning or designating a financial institution to make a proposal, and the intermediary server 1 having received the process executes writing in the loan condition database 11 according to the nominating process. At the same time, the financial institution client 3 is notified that "a loan inquiry has been made", and a password that allows the loan conditions to be viewed is issued.

(D) "Asset utilization type housing utilization review method"
The following is a description of the "asset utilization type housing utilization review method" together with the system. As shown in the flowchart of FIG. 10, this method is executed when there is a change in the household composition, income, or lifestyle after executing the “asset utilization type home purchasing method”. Specifically, when there is a situation such as changing the original asset utilization plan and canceling the utilization planned portion, or setting up more utilization portions, "Asset utilization purchase simulation method" and later-mentioned " Asset-utilizing housing space utilization auction method ", above" asset-utilizing housing loan auction method "
It is carried out for the consideration of new asset utilization related to the change using.

Upon receiving the input of the ID and the password from the client client 2, the intermediary server 1 sends the client client 2 a screen for displaying the "table of contents". On the display means of the customer client 2, the transmitted "table of contents" screen is generated. When the "asset utilization type housing utilization review method" is selected using the input means in the client client 2 (step 110), the mediation server 1 receives this selection instruction. Upon receiving the selection instruction, the intermediary server 1 instructs the client client 2 to "explain the asset-utilizing housing".
Send out the "Summary" screen that displays. A "outline" screen is generated on the display means of the customer client 2 (step 111). With this screen display, it is possible to give an overview of the "asset utilization type housing utilization review method" to be implemented.

When a display request for requesting the "basic condition correction input" screen from the "summary" screen is executed by the input operation of the input means of the customer client 2, the mediation server 1
Sends to client client 2 an input screen for displaying "basic condition correction input". On the display means of the customer client 2, an input screen for the “basic condition correction input” that has been sent is generated. On this input screen, (A) "Household composition" and "Purchasable amount calculation conditions" that have been input at the execution stage of "Basic condition input" in "Asset utilization type housing purchase method" and already stored in the storage device 17 Data is read from the storage device 17 and rewritably displayed. When the correction input is executed for each input item and the calculation execution request is input by the input operation of the input means of the customer client 2, the data of the "household composition" and the "purchasable amount calculation condition" are obtained. From the mediation server 1 to the mediation server 1, and the mediation server 1 stores the data in the storage device 17 as updatable data for each individual (step 112).

Further, the intermediary server 1 executes arithmetic operations and the like according to a predetermined rule in response to an operation execution request from the customer client 2, and based on the data of "household composition" and "purchasable amount calculation condition". A so-called "purchasable amount simulator" is started to estimate the purchaseable amount of the property, and the "purchasable amount" is automatically calculated as a rough guide. The mediation server 1 also stores this “purchasable amount” in the storage device 17 so that it can be updated. Next, the mediation server 1 sends to the client client 2 a screen regarding “examination, space presentation, and determination of asset utilization method”, and the screen is generated on the display means of the client client 2.

Here, the customer client 2 inputs detailed information such as contact information, requests for the area and transportation, requests for the surrounding environment, educational facilities, location of service contents, and the size and price of the living space, age, floors. High, floor, orientation of day conditions, service content, pets and piano availability, property plans, variations of asset utilization methods,
Further, when the processing of the change condition input for changing the content of each item of the asset utilization type housing database 18 including the items such as the photograph of the overview and the interior and the perspective is executed, the intermediation server 1 accepts the processing, and the above-mentioned " Start "asset utilization purchase simulation", execute processing, and return "reviewed asset utilization conditions" to the client client 2 (step 11
3).

In the client client 2, if the result is appropriate, the intermediary server 1 follows the instruction request, "review asset utilization method and loan payment method determination" (step 11).
For 4), the “reviewed asset utilization condition” is stored in the storage device 17 so that it can be updated, and then the intermediary server 1 activates the “asset utilization type housing space utilization auction system” corresponding to the communication network described later (step). 115).
This "asset utilization type housing space utilization auction system"
Accepts access from the client client 2 and executes a search for rental property utilization destination based on the conditions input so far. Here, selection of a candidate trader, necessity of acceptance of a reverse proposal from the candidate trader, and the like are also selected.

When the "utilization destination decision" is made by executing the "asset utilization type housing space utilization auction system" (step 116), based on the determination in the "asset utilization type housing space utilization auction system", the mediation server 1 Stores new “new utilization conditions” and “use destinations” different from those previously stored in the storage device 17.
Stored updatable in. On the other hand, when the “utilization destination determination” is not made by the execution of the “asset utilization type housing space utilization auction system”, the mediation server 1 returns to step 113. When the acceptance input is executed from the customer client 2, the intermediary server 1 ends the processing here. When the selection instruction of "presence or absence" is input on the screen of "presence or absence of loan balance" by the input means of the client client 2 (step 117), the mediation server 1 receives the selection instruction.

When the selection instruction of "none" is received, the intermediary server 1 displays the "change procedure temporary contract" input screen displaying the "temporary contract conditions" stored in the storage device 17 of the customer. This is sent to the client 2, and the input screen of this "change procedure provisional contract" is generated on the display means of the customer client 2 (step 118). When the ID or password is input by the input operation of the input means of the customer client 2 and the transmission instruction is executed, the intermediary server 1 receives it and stores it in the storage device 17 so that it can be updated.
The “provisional change procedure contract” for the “reviewed asset” is completed. After that, the matters related to the "provisional contract for change procedure"
The intermediary server 1 accepts the client client 2 by collating the ID and password input by the input means.

On the other hand, if the selection instruction of "present" is received, the mediation server 1 activates the above-mentioned "mortgage auction system" compatible with the communication network (step 119). This “mortgage loan auction system” accepts access from the client 2 and executes a loan refinance destination search based on the conditions input so far. Here, selection of a candidate trader, necessity of acceptance of a reverse proposal from the candidate trader, and the like are also selected.
When the "mortgage auction system" is executed and "a loan recipient is determined" (step 12)
0), based on the decision made by the “mortgage auction system”, the intermediary server 1 has new “new loan condition” and “new loan acceptee” different from those stored in the storage device 17 in advance. Is stored in the storage device 17 in an updatable manner, and the input screen of the “temporary contract for change procedure” showing the “new loan condition” and the “new loan acceptee” is sent to the client client 2 and displayed. An input screen of this "change procedure provisional contract" is generated in the means (step 118).

The payment conditions and other details are input by the input operation of the input means of the customer client 2, and I
When D and the password are entered and the send instruction is executed,
The mediation server 1 receives this, stores it in the storage device 17 so that it can be updated, and the “change procedure provisional contract” for the “reviewed asset” is completed. Further, in the above-mentioned “utilization destination determination” stage (step 116) and “loan acceptance destination determination” stage (step 120), the input means of the client 2 based on the “new utilization condition” or “new loan condition” is used. In response to the request processing, the mediation server 1 can activate the "asset utilization purchase simulation" for recalculation for new conditions.
On the other hand, when the “mortgage loan auction system” is not executed and the “loan acceptance destination determination” is not made, the intermediary server 1 returns to step 113.

(E) "Asset utilization type housing space utilization auction method" The "asset utilization type housing space utilization auction method" will be described below together with its system. This method searches for a real estate agent who will be the utilization destination in utilizing the housing space in the execution process of the "asset utilization type housing utilization review method" and, if necessary, in the "asset utilization type housing purchase method" execution process. Used when In FIG. 1, the mediation server 1
Upon receipt of the utilization condition input instruction from the customer client 2, the asset utilization server 5 executes the issuing procedure for issuing the ID and password to the customer client 2, and the “reviewed asset already recorded in the storage device 17”. Newly input data such as "utilization conditions" and the deadline of a reverse proposal from the real estate agent regarding the review utilization are written in the space utilization condition database 12.

On the other hand, the real estate agent server 7 is shown in FIG.
In accordance with a write request from an unspecified number of real estate agent clients 4 who have entered data for registered items as shown in FIG.
Write to the real estate agent client 4
The issuing procedure for issuing the ID and password to the user is executed. At this time, the real estate agent server 7 ranks the real estate agent based on the transaction history such as the total transaction amount and the number of transactions and the capital of the real estate agent in order to secure the secure real estate rental transaction. The dividing process is automatically executed to create the rank data 23, and this trader rank is also written in the registered trader database 9 in an updatable manner.

The mediation server 1 permits the data in the mediation server 1 to be browsed in accordance with the auction participation requests of the many real estate agent clients 4 whose registration has been completed. When the real estate agent client 4 makes a browsing request, the agent browsing control system 10 of the intermediary server 1 protects the customer, and in the case of a property with a high job rank, such as a large asset utilization area, the agent browsing control system 10 The real estate agent client 4 can be inspected by executing a process of matching the job rank and the agent rank of each of the space utilization condition database 12 and the registered dealer database 9 so that only the real estate agent with a high rank is permitted to browse. The mediation server 1 sends the space utilization condition data that can be browsed to the real estate agent client 4, and the display means of the real estate agent client 4 displays the space that can be browsed. A screen of utilization condition data is generated.

When the input of the reverse proposal of utilization according to the space utilization condition data is executed by the input means of the real estate agent client 4, the intermediary server 1 executes a process of reviewing the data of the reverse proposal and writing it in the order control system 16. To do. The mediation server 1 refers to the space utilization condition database 12 and the review ordering control system 16 to create information on the deadline of the counter-proposal, the presence or absence of the counter-proposal, and the presence / absence of a real estate agent to be utilized, and the customer It is sent to the client 2. The intermediary server 1, which has received from the client client 2 the decision data such as the input of the ID and the password, the real estate agent who is the utilization destination selected according to the report data, and whether to accept the reverse proposal, reviews the decision data, and controls the ordering. Write to system 16.

At the same time, the mediation server 1 executes, from the review ordering control system 16, contact processing for each real estate agent client 4 who has participated in the auction, based on the decision data, to inform that the ordering or not ordering.
With respect to the real estate agent who has received the order, the review order control system 16 updates the data contents such as the total transaction amount and the transaction frequency of the registered dealer database 9 according to the establishment of the transaction. After that, the mediation server 1 records the presence / absence of the utilization destination and the established utilization proposal condition in the storage device 17 of the asset utilization server 5 as “utilization destination and new utilization condition”. In addition, the client server 2 executes the process of assigning or designating the real estate agent who makes the proposal, and the intermediary server 1 receiving the process executes the writing in the space utilization condition database 12 according to the nomination process, and The real estate agent client 4 is notified that “there is an inquiry for utilization”, and a password that permits the viewing of the space utilization conditions is issued.

In particular, at the execution stage of the “asset utilization type home purchasing method”, specifically, after the server receives the “asset utilization condition” data regarding the selected property input to the client, the server makes an execution request from the client. By adopting the step structure to execute the “asset utilization type housing space utilization auction method” accordingly, it is possible that the price of the selected property exceeds the purchaseable amount compared to the case where asset utilization is not considered. Also, it becomes possible to consider purchasing a high-priced property in anticipation of asset utilization.

In the housing asset utilization support method and support system according to the present embodiment described above, from the planning stage of a home purchase, the utilization of the property of the house is examined, the underwriting destination of the asset is examined, and the loan repayment is examined. It is possible to support re-examination of asset utilization for the house, re-examination of asset underwriter, re-examination of loan repayment due to asset utilization that has been re-examined It is possible to use these results for the contract procedure, which is very convenient. Further, it is convenient that various input data from the customer client can be utilized after that for re-examination by correction input. Since the auction was introduced to determine the loan accepting party, the asset accepting party, and the conditions thereof, it is possible to support advanced asset utilization by utilizing IT information. Moreover, since the asset utilization purchase simulation method and system are provided, the asset management data can be easily calculated.

[0073]

[Effects of the Invention] In summary, the housing asset utilization support method and support system according to the present invention can accommodate a large number of generations of living spaces while simultaneously living for many generations or depending on lifestyles and life stages. It is possible to support the purchase of houses that can utilize assets such as rent, and in turn, to review such houses as assets.

[Brief description of drawings]

FIG. 1 is a system configuration diagram showing a preferred embodiment of a housing asset utilization support system according to the present invention.

FIG. 2 is a flow chart diagram showing an asset-utilizing-type home purchase method executed by the residential-asset utilization assistance method and the assistance system according to the present embodiment.

FIG. 3 is a flow chart diagram showing an asset utilization purchase simulation method executed by the housing asset utilization support method and support system according to the present embodiment.

FIG. 4 is a diagram showing a residence level database used in the housing asset utilization support method and the asset utilization purchase simulation method of the support system according to the present embodiment.

FIG. 5 is a diagram showing a remodeling cost estimation database used in the housing asset utilization support method and the asset utilization purchase simulation method of the support system according to the present embodiment.

FIG. 6 is a diagram showing a rent income database used in the housing asset utilization support method and the asset utilization purchase simulation method of the support system according to the present embodiment.

FIG. 7 is a diagram showing an input screen of “life plan” data used in the housing asset utilization support method and the asset utilization purchase simulation method of the support system according to the present embodiment.

FIG. 8 is a diagram showing a screen of a result display used in the housing asset utilization support method and the asset utilization purchase simulation method of the support system according to the present embodiment.

FIG. 9 is a diagram showing a registered trader database and rank data used in the housing asset utilization type housing loan auction method of the housing asset utilization supporting method and supporting system according to the present embodiment.

FIG. 10 is a flow chart diagram showing an asset utilization type housing utilization review method executed by the housing asset utilization support method and support system according to the present embodiment.

FIG. 11 is a diagram showing a registered trader database and rank data used in the asset utilization type housing space utilization auction method of the housing asset utilization support method and support system according to the present embodiment.

FIG. 12 is an explanatory diagram illustrating an example of a conventional usage of a dwelling unit of an apartment resident.

FIG. 13 is an explanatory diagram illustrating an example of a conventional usage of a dwelling unit for a resident of a detached house.

[Explanation of symbols]

1 Mediation server 2 Customer client 3 financial clients 4 Real Estate Agent Client 8,9 Registered Supplier Database 11 Loan condition database 12 Space utilization condition database 15 Loan order control system 16 Review order control system 17 Storage 18 Asset-based housing database 19 Resident Level Database 20 Remodeling cost estimation database 21 Rent Income Database by Region 22,23 rank data

Front page continuation (51) Int.Cl. ⁷ Identification code FI theme code (reference) G06F 17/60 ZEC G06F 17/60 ZEC 19/00 110 19/00 110 (72) Inventor Yasuno Miyagawa Kiyose City, Tokyo 4-640 Shimoseido In Obayashi Technical Research Institute Co., Ltd.

Claims (8)

[Claims] 1. A method for supporting the utilization of housing assets, characterized in that the server executes the following methods (1) to (5) in order to support the utilization of housing assets. (1) Receive the “household composition” data requested by the client, the “purchasable amount calculation condition” data for the house, and the “desired condition” data for the house, and send the data of the property that matches these data to the client, It receives the "decision / temporary holding procedure" data for the matching property requested from the client, and then executes the asset utilization type home purchase method that executes the "contract procedure" in response to the execution request from the client. (2) Accepting "change condition input" data in response to the execution request from the client after the execution process of the asset utilization type housing purchase method or after completion of execution, and "reviewed asset utilization condition" data that matches the "change condition input" data To the client, and then execute the asset utilization type housing utilization review method that executes the "change procedure contract" in response to the execution request from the client. (3) After sending the data of the matching property to the client in the execution process of the asset utilization type housing purchase method or the asset utilization type housing utilization review method, or “Enter change conditions”
After accepting the data, the asset utilization purchase simulation method is executed, in which the housing asset utilization is calculated according to the execution request from the client and the trial calculation result is sent to the client. (4) In the execution process of the asset utilization type housing utilization review method,
After sending the "Reviewed asset utilization condition" data to the client, execute the asset utilization type housing space utilization auction method that searches the real estate agent of the asset utilization destination according to the execution request from the client and transmits the search result to the client . (5) In the process of executing the asset utilization type housing purchase method or the asset utilization type housing utilization review method, "decision / temporary holding procedure"
After receiving data, or "reviewed asset utilization conditions"
After sending the data to the client, a property-utilizing mortgage auction method is executed in which a financial institution to accept a loan is searched for in response to an execution request from the client and the search result is sent to the client. 2. The asset-utilizing house purchase method uses a server, which is connected to a client having an input unit and a display unit via a communication network, and has a storage unit and a house database, and the server is a client. "Household composition" requested to be entered
The step of receiving the data and the “purchasable amount calculation condition” data of the house, storing the data in the storage means, calculating the “purchasable amount” of the house, and sending the calculation result to the client, and the server, Receive the "desired condition" data for the house requested to be input to the client, store the data in the storage means, perform pass / fail judgment processing between the data and the property data in the housing database, and send the matched property data to the client. The step of transmitting, the step of receiving the selection instruction of any of the matching properties requested by the client to the client, and the server regarding the selected property for which the selection instruction has been made, Sending a selection request "whether or not to" to the client, and the server is Trial calculation "
And the step of executing the asset utilization purchase simulation method when the selection instruction is received, and the server receives the “asset utilization condition” data and the “asset utilization purchase condition” data regarding the selected property input to the client, The step of storing the data in the storage means, calculating the "new purchaseable amount" for the selected property by referring to the housing database, and sending the calculation result to the client, and the server requesting the client to input the selected property Receiving the "decision / temporary holding procedure" data about the decision property and storing it as the "decision property" data in the storage means, and the server "whether to look for a loan" regarding the decision property.
Sending the selection request to the client to the client, the server performing the asset-utilizing mortgage auction method when the server receives the selection instruction to "find a loan" from the client, and the server performing the asset-utilizing The "loan acceptor" data and "new loan condition" data regarding the determined property determined by the mortgage auction method are stored in the storage means, and the "new loan condition" and "loan acceptor" requested to be input to the client 2. The method for supporting utilization of housing assets according to claim 1, further comprising the step of receiving the input data of the "contract procedure" displaying ", and storing the data in a storage means to complete the" contract procedure ". . 3. The asset utilization type housing utilization reviewing method uses a server which is connected to a client equipped with an input means and a display means via a communication network, and which is equipped with a storage means and a housing database. The asset utilization purchase simulation method is executed in response to the execution request of the property, the “change condition input” data requested by the client is received, and the “reviewed asset use condition” that matches the “change condition input” data is referenced by referring to the housing database. The step of storing the data in the storage means and transmitting the data to the client, the server executes the asset utilization type housing space utilization auction method in response to the execution request from the client, and determines the determined “asset utilization destination”. "Data and" new utilization conditions "data are stored in the storage means In both cases, the step of sending the relevant data to the client, the step of the server sending a selection request of "presence of loan balance" to the client, and the server receiving the selection instruction of "no loan balance" from the client In the step of receiving the input data of the “change procedure contract” requested by the client, storing the data in the storage means and completing the “change procedure contract”, the server sends the “loan balance” from the client. And the step of executing the asset-utilizing mortgage auction method to search for a refinancing destination, and the server determines the “new loan acceptor” determined by the asset-utilizing mortgage auction method. "Data and" new loan conditions "data are stored in the storage means, and Receive the input data of the "change procedure contract" that displays the "new loan condition" and "new loan acceptee" requested to the ant, store the data in the storage means and complete the "change procedure contract" The housing asset utilization support method according to claim 1 or 2, further comprising steps. 4. The asset utilization purchase simulation method comprises:
A server connected to a client equipped with an input means and a display means via a communication network, and equipped with a storage means, a living standard database, a rent income database, and a remodeling cost estimation database. "General income"
When receiving the "life plan" data including the data and reading the "calculation data" from the storage means, the server uses the "life plan" data and the "calculation data" and refers to the living standard database. "Room composition" data and "Area" data are calculated, "Residential level area" data requested to be input to the client is received, and "Residential level area" is subtracted from "Area" to obtain "Excessive area" data. The server calculates the “rent income” data for the surplus area by referring to the rent income database using the “surplus area” data, and the server calculates the “repayment quota” requested by the client. Rate data, and from this repayment quota rate data and rent income data, repayment quota data The calculation step, and if necessary, the server accepts the input of the “reform scale” data from the client, refers to the reform cost estimation database and calculates the “reform cost” data, and the server Repayment allowance for income data
Calculate the "repayment amount" data and "years of repayment" data by including the data and "reform cost" data, and calculate the "repayment amount"
And a step of calculating “total amount of repayment” data for each year from the data and the “repayment allowance” data, and a step of causing the server to send the above various data to the client and display the data on the display means. The housing asset utilization support method according to any one of claims 1 to 3. 5. An asset-utilizing mortgage auction method is connected to a client client and a financial agent client having input means and display means via a communication network, and a loan condition database, a registered dealer database, and a loan agent database. Using a mediation server having a loan order control system for controlling order placement and reception, the mediation server receives the “loan condition data” requested by the client client and writes the data into the loan condition database; The step of receiving the “registration data” requested by each client of the financial institution and writing the data into the database of the registrar, and the intermediary server creates “rank data” that ranks the financial institution according to the “data for registration”. Steps to Upon receiving the auction participation request from each financial institution client, the intermediary server selects "loan condition data" from the loan condition database according to each financial company's "rank data", and only the selected "loan condition data" is concerned. When the client receives the request to write the "reverse proposal data" of the loan conditions from each financial institution client, the intermediary server writes the "reverse proposal data" into the loan order control system. Then, the intermediary server creates "reporting data" by referring to the loan condition database and the loan order control system,
The step of sending to the client client, the intermediary server receives the “decision data” of the loan condition including the ordering instruction, which is requested to be input to the client client, and writes it in the loan ordering control system, and also the “decision data” to each financial institution The housing asset utilization according to any one of claims 1 to 4, characterized in that the step of sending to the client and the step of updating the "rank data" of the financial institution that received the ordering instruction by the mediation server How to help. 6. An asset utilization type housing space utilization auction method is connected to a client client and a real estate agent client equipped with an input means and a display means through a communication network, and a space utilization condition database, a registered dealer database, and Using a mediation server equipped with a review order control system for controlling the ordering and utilization of space utilization, the mediation server receives the "space utilization condition data" requested by the client client and writes the data to the space utilization condition database. The intermediary server receives the “registration data” requested by each real estate agent client and writes the data in the registration agency database, and the intermediary server ranks the real estate agents according to the “registration data”. Rank data " When receiving the request to participate in the auction from each real estate agent client, the mediation server selects “utilization condition data” from the space utilization condition database according to the “rank data” of each real estate agent, and selects the selected “utilization condition data”. Only the step of making the real estate agent client viewable, and when the intermediary server receives a request to write the “reverse proposal data” of the utilization condition from each real estate agent client, the “reverse proposal data” is reviewed and ordered. The step of writing in the control system, the intermediary server creates "report data" by referring to the space utilization condition database and the review order control system, and sends it to the client client, and the intermediary server requests the client client for input. , “Decision Day” for utilization conditions including ordering instructions Data is received and written in the review order control system, and the “decision data” is sent to each real estate agent client, and the intermediary server updates the “rank data” of the real estate agent that received the order instruction. The housing asset utilization support method according to any one of claims 1 to 5, wherein the method comprises: 7. The server receives the "asset utilization condition" data on the selected property input to the client in the execution process of the asset utilization type home purchasing method, and then the server of the asset utilization destination responds to the execution request from the client. 7. The housing asset utilization support method according to claim 2, further comprising a step of executing an asset utilization type housing space utilization auction method for searching a real estate agent and sending out a search result to a client. 8. A housing asset utilization support system comprising the following systems (1) to (5) to support utilization of housing assets. (1) Receive the “household composition” data requested by the client, the “purchasable amount calculation condition” data for the house, and the “desired condition” data for the house, and send the data of the property that matches these data to the client, Equipped with a server that executes the asset utilization type home purchase method that receives the "decision / temporary holding procedure" data related to the matching property requested from the client and then executes the "contract procedure" in response to the execution request from the client Asset utilization type home purchase system. (2) Accepting "change condition input" data in response to the execution request from the client after the execution process of the asset utilization type housing purchase method or after completion of execution, and "reviewed asset utilization condition" data that matches the "change condition input" data Is sent to the client, and then the asset utilization type housing utilization review system is equipped with a server that executes the asset utilization type housing utilization review method that executes the "change procedure contract" in response to the execution request from the client. (3) After sending the data of the matching property to the client in the execution process of the asset utilization type housing purchase method or the asset utilization type housing utilization review method, or “Enter change conditions”
An asset utilization purchase simulation system including a server for executing an asset utilization purchase simulation method in which after receiving data, a trial calculation of housing asset utilization is performed according to an execution request from a client and a trial calculation result is transmitted to the client. (4) In the execution process of the asset utilization type housing utilization review method,
After sending the "Reviewed asset utilization condition" data to the client, execute the asset utilization type housing space utilization auction method that searches the real estate agent of the asset utilization destination according to the execution request from the client and transmits the search result to the client An auction system that utilizes a property and utilizes a housing space. (5) In the process of executing the asset utilization type housing purchase method or the asset utilization type housing utilization review method, "decision / temporary holding procedure"
After receiving data, or "reviewed asset utilization conditions"
After sending the data to the client, in response to the execution request from the client, it searches the financial institution to accept the loan and sends the search result to the client. Mortgage auction system.