JP2003288486A - Graph display device - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide a graph display device capable of easily calculating a loan in executing advanced payment and displaying a loan graph and avoiding troublesomeness. <P>SOLUTION: The graph display device comprises: a display means for displaying the loan graph; a plotting means for plotting the loan graph at the display means; a time period specifying means for specifying a time period to execute the advanced payment; an input means for inputting an advanced payment amount; and a re-plotting means for re-plotting the loan graph by a prescribed payment form after executing the advanced payment based on the time period specified by the time period specifying means and the advanced payment amount inputted by the input means at the display means. <P>COPYRIGHT: (C)2004,JPO

Description

Detailed Description of the Invention

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a graph display device for displaying a graph.

[0002]

2. Description of the Related Art Conventionally, in repayment of a loan, a prepayment is known in which a principal amount (advance payment) of a certain amount or more is repayed at one time. There are two types of prepayment repayment: after prepayment repayment, there is one that shortens the repayment period of the loan by keeping the repayment amount of each time as it is, and one that reduces the repayment amount of the loan without changing the repayment period of the loan.
Depending on how these prepayments are made, the degree to which the repayment of the loan repayment burden is reduced is also different. Further, in the case of carrying out early repayment, the degree of reduction of the burden on the loan repayer varies depending on the timing of executing the early repayment and the method of repayment of the loan. Therefore, in order to effectively utilize the advanced repayment, the loan repayment loan is made in advance when the advanced repayment is executed by using a device having a loan graph display function (for example, a scientific calculator having a graph display function). I was able to calculate.

[0003]

However, since there is no conventional device having a loan graph display function that handles the prepayment itself, when the prepayment is executed, the time when the prepayment is executed is executed. It was necessary to input the amount of money to be advanced and the amount of money to be advanced, and to redo the loan calculation with equal deposits and withdrawals. Moreover, when changing the timing of carrying out prepayment or the amount of prepayment, the loan calculation had to be restarted from the beginning every time, which made the loan calculation troublesome and complicated.

An object of the present invention is to provide a graph display device capable of easily performing loan calculation and display of a loan graph when executing prepayment and avoiding complexity.

[0005]

The present invention has the following features in order to achieve the above object. In the following description of the means, the configuration corresponding to the embodiment will be illustrated in parentheses as an example. Reference numerals and the like are reference numerals and the like of the drawings described later.

The graph display device of the invention described in claim 1 comprises a display means (for example, CPU 2 shown in FIG. 1) for displaying a loan graph (G10 in FIG. 7) and the loan graph (G10 in FIG. 7). A drawing means (for example, CPU 2 shown in FIG. 1) for causing the display means to draw, a timing designating means (for example, CPU 2 shown in FIG. 1; A1 in FIG. 2) for designating a time when the prepayment is to be executed, and a carry-up amount. Input means for inputting (for example, the CPU 2 shown in FIG. 1; A4 in FIG. 2) and a predetermined value after execution of advance repayment based on the time designated by the timing designating means and the carry-up amount input by the input means. Redrawing means for redrawing the loan graph in the repayment form on the display means (for example, CPU2 shown in FIG. 1; A12 and A14 in FIG. 2)
And are provided.

According to the first aspect of the present invention, by simply designating the time when the prepayment is to be executed and inputting the prepayment amount, after the prepayment repayment execution based on the specified time and the entered prepayment amount, The loan graph with the given repayment format is redrawn. Therefore, it is possible to easily perform the loan calculation and the graph display when executing the advanced repayment without any trouble.

Here, the prepayment is the repayment of a principal amount (advance payment) of a certain amount or more in the loan repayment. In addition, the method of repayment of a loan includes equal payment of principal and interest by allocating the principal and interest so that the repayment amount will be a fixed amount until the repayment is completed, and the principal will be divided evenly over the repayment period and the interest There is even repayment of the principal amount added. The prescribed repayment format is a loan repayment format (so-called shortened prepayment repayment) in which the repayment amount of each time is left as it is and the repayment period of the loan is shortened after executing the prepayment repayment. There is a loan repayment format that reduces the repayment amount each time (so-called, repayment amount deferred prepayment).

According to a second aspect of the present invention, in the graph display apparatus according to the first aspect, the redrawing means (for example,
The CPU 2 shown in FIG. 1; A12, A14 in FIG. 2) calculates the loan repayment period for each given repayment amount after the prepayment is executed, and based on the calculated loan repayment period, the loan graph ( Periodic redrawing means for redrawing G1 in FIG. 7 (for example, CPU2 shown in FIG. 1; A1 in FIG. 2)
2) is provided.

According to the invention of claim 2, the repayment period of the loan after the prepayment is executed is calculated, and the loan graph is redrawn based on the calculated repayment period of the loan. Loan repayers can easily understand that the period has been shortened.

According to a third aspect of the present invention, in the graph display apparatus according to the first aspect, the redrawing means (for example, the CPU 2 shown in FIG. 1; A12 and A14 in FIG. 2) executes the carry-back repayment, A repayment amount redrawing means (for example, shown in FIG. 1) that calculates the repayment amount for each given repayment period and redraws the loan graph (G2 in FIG. 7) based on the calculated repayment amount. CPU2; A14) in FIG. 2 is provided.

According to the invention of claim 3, the repayment amount after each prepayment execution is calculated, and the loan graph is redrawn based on the calculated repayment amount. Loan repayers can easily understand that the amount has been reduced.

According to a fourth aspect of the present invention, in the graph display device according to any of the first to third aspects, the timing designating means (for example, the CPU 2 shown in FIG. 1; A1 in FIG. 2) is:
The loan graph (Fig.
G10) on the graph specifying means (m in FIG. 7)
It is characterized by having 1).

According to the invention as set forth in claim 4, when the prepayment is executed, the timing for executing the prepayment can be designated on the loan graph, so that the time for carrying out the prepayment can be easily designated. , Loan calculation and loan graph display when carrying out prepayment will be even less hassle.

According to a fifth aspect of the present invention, in the graph display device according to any one of the first to fourth aspects, based on the input of the carry-over amount, the amount corresponding to the principal amount of the input carry-over amount. First area specifying means (for example, CP shown in FIG. 1) for specifying an area on the loan graph (G10 in FIG. 7)
U2; A6 in FIG. 2) and second area specifying means (for example, CPU shown in FIG. 1) for specifying an area on the loan graph (G10 in FIG. 7) corresponding to the interest amount of the carry-up amount.
2; A9 in FIG. 2) and paint display control means (for example, FIG. 1) for painting and displaying each area on the loan graph (G10 in FIG. 7) specified by the first and second area specifying means. CPU2 shown in FIG. 2; A6 and A9 in FIG. 2)
And are provided.

According to the fifth aspect of the present invention, the area on the loan graph corresponding to the principal amount of the input carry amount and the area on the loan graph corresponding to the interest amount of the input carry amount. Notify the loan repayer that the loan repayment is not simply deducted from the total repayment amount, as each area on the loan graph will be painted and displayed. be able to. That is, since interest on the amount of advance (principal amount) is not generated, the loan repayer can easily recognize that the amount of advance and the amount of interest are reduced from the total repayment amount.

A graph display device according to a sixth aspect of the present invention comprises a display means (for example, CPU 2 shown in FIG. 1) for displaying a loan graph (G10 in FIG. 8) and the loan graph (G10 in FIG. 8). Drawing means for causing the display means to draw (for example, CPU2 shown in FIG. 1) and period designating means (for example, CPU2 shown in FIG. 1; FIG. 1) for designating a loan repayment period on the loan graph (G10 in FIG. 8). B1 of 3)
And a first advance amount calculating means (for example, the CPU 2 shown in FIG. 1; B4 in FIG. 3) for calculating an amount of advance required for repayment of the loan within the repayment period of the loan designated by the period designating means. , Redrawing means for redrawing the loan graph (G3 in FIG. 8) in which the loan repayment period is shortened based on the loan repayment period designated by the period designating means (for example, shown in FIG. 1) CP
U2; B5 in FIG. 3), and display control means (for example, CPU 2 shown in FIG. 1) for displaying the carry-over amount calculated by the first carry-over amount calculating means on the display means,
It is characterized by having.

According to the invention of claim 6, by simply designating the repayment period of the loan on the loan graph, the prepayment amount necessary for performing the repayment of the loan within the designated repayment period of the loan is calculated. , The loan graph with the shortened loan repayment period is redrawn based on the specified loan repayment period. Therefore, when shortening the loan repayment period, it does not take time to calculate the necessary amount of advance,
The complexity can be avoided. Also, since the calculated amount of advance is displayed, the amount of advance required to repay the loan within the specified loan repayment period,
Loan repayers can easily understand.

A graph display device according to a seventh aspect of the present invention includes a display unit (for example, CPU 2 shown in FIG. 1) for displaying a loan graph (G10 in FIG. 9) and the loan graph (G10 in FIG. 9). Drawing means (for example, CPU2 shown in FIG. 1) to be drawn on the display means, and repayment amount designating means (for example, CPU2 shown in FIG. 1) for designating a repayment amount for each time on the loan graph (G10 in FIG. 9); (C1 in FIG. 4)
And a second advance amount calculation means (for example, CP shown in FIG. 1) for calculating an advance amount necessary for repayment of the loan at each repayment amount designated by the repayment amount designating means.
U2; C4) in FIG. 4 and a re-drawing of a loan graph (G4 in FIG. 9) in which the repayment amount is reduced based on the repayment amount designated by the repayment amount designating unit. Drawing means (for example, CPU2 shown in FIG. 1; FIG. 4)
C5) and display control means (for example, CPU 2 shown in FIG. 1) for displaying the carry-over amount calculated by the second carry-over amount calculating means on the display means.

According to the invention described in claim 7, by simply designating the repayment amount for each time on the loan graph, the carry-over amount necessary for performing the loan repayment at the designated repayment amount for each time is calculated, Based on the specified repayment amount, the loan graph with the repayment amount reduced is redrawn. Therefore, when the repayment amount is reduced each time, it is possible to avoid the complexity because it does not take much time to calculate the required amount of advance. Further, since the calculated amount of advance is displayed, the loan repayer can easily understand the amount of advance required to repay the loan with the designated amount of repayment.

The graph display device according to the present invention is a display device (for example, the CPU 2 shown in FIG. 1) and a timing designating device (for example, CPU 2 shown in FIG. 1) for designating the time when the prepayment is executed. And third advance amount calculation means (for example, C shown in FIG. 1) for calculating the advance amount based on the input of the repayment period of the loan after executing the advance repayment.
PU2; D4) in FIG. 5, the repayment period of the loan, and the display control means for displaying on the display means in association with the prepayment amount in the repayment period calculated by the third prepayment amount calculation means (for example, CPU shown in FIG.
2; D5) in FIG. 5 and a graph display control means (for example, shown in FIG. 1) that causes the display means to display a graph of the relationship between the loan repayment period and the amount to be advanced, which is displayed on the display means by the display control means. CPU2; D6 in FIG. 5)
And are provided.

According to the invention described in claim 8, the prepayment amount is calculated by simply designating the timing for executing the prepayment and inputting the repayment period of the loan after the execution of the prepayment repayment. The calculated carry-over amount is displayed in association with each other. Therefore, it does not take time to calculate the loan when carrying out prepayment, and it is possible to avoid complexity, and the prepayment amount necessary to repay the loan within the repayment period of the entered loan is Repaid person can easily understand. Furthermore, since the relationship between the repayment period of the loan and the amount of prepayment that is displayed is displayed in a graph, the loan repayer can easily understand the relationship between the repayment period of the loan and the amount of prepayment.

A graph display device according to a ninth aspect of the present invention is a display device (for example, CPU 2 shown in FIG. 1) and a timing designating device (for example, CPU 2 shown in FIG. 1) for designating a time when the prepayment is executed. And fourth advance amount calculation means (for example, the CPU shown in FIG. 1) for calculating the advance amount based on the input of the repayment amount after each advance repayment execution.
2; E4) in FIG. 6, the repayment amount for each time, and the carry-up amount in the repayment amount for each time calculated by the fourth carry-up amount calculating means are displayed on the display means in association with each other ( For example, the CPU 2 shown in FIG. 1;
6) and a graph display control means (for example, CPU2 shown in FIG. 1; which causes the display means to display a graph of the relationship between the repayment amount and the carry-up amount displayed on the display means by the display control means; And (E6) in FIG. 6 are provided.

According to the invention described in claim 9, the prepayment amount is calculated by simply designating the time when the prepayment is executed and inputting the repayment amount after each prepayment execution. The calculated carry-over amount is displayed in association with each other. Therefore, it is easy to calculate the loan when performing prepayment, and it is possible to avoid complexity, and the prepayment amount necessary to repay the loan at the specified repayment amount Person can easily understand. Further, since the relationship between the repayment amount and the prepayment amount displayed every time is displayed in a graph, the loan repayer can easily understand the relationship between the repayment amount and the prepayment amount each time.

[0025]

BEST MODE FOR CARRYING OUT THE INVENTION Referring to FIGS.
An embodiment of the graph display device 1 according to the present invention will be described. The present invention is applied to, for example, a small electronic computer (so-called scientific calculator) having a graph display function, a personal computer, or the like.

First, the configuration will be described. FIG. 1 is a block diagram showing an internal configuration of the graph display device 1. As shown in FIG. 1, the graph display device 1 includes a CPU (Central Process).
sing unit) 2, input unit 3, tablet 4, position detection circuit 5, display unit 6, display drive circuit 7, RAM (Random Acc)
ESS Memory) 8, ROM (Read Only Memory) 9, storage medium reading unit 10, storage medium 11 and the like.

The CPU 2 reads a predetermined program from the ROM 9 or the storage medium 11 and temporarily stores it in the RAM 8 based on an instruction input through the input unit 3, and executes various processes based on the program to display a graph. Centralized control of each unit of the device 1. That is, the CPU 2 executes various processes based on the read predetermined program, stores the process results in a work memory 8a (described later) in the RAM 8, and generates display data by the display drive circuit 7 to display the display data. 6 to display. Also, the input unit 3
The processing result is stored in the storage medium 11 based on an instruction input via the.

The input unit 3 is provided with a data input key for inputting numerical values, characters, etc., an up / down / left / right moving key for selecting data, a feed operation, etc., and a keyboard composed of various function keys, etc. The pressed signal of the pressed key is output to the CPU 2.

The tablet 4 is an input device in which a device for pointing coordinates such as an input pen (not shown) and a plate-shaped device for sensing the instructed coordinates are combined. The position coordinates designated by the input pen are detected by a coordinate reading principle such as a magnetostrictive type or a pressure sensitive type, and the detection result is output to the CPU 2. The tablet 4 is integrated with a display unit 6 to be described later, and an input operation can be performed by directly pointing an icon or the like displayed on the display unit 6 with an input pen.

The display unit 6 is an LCD (Liquid Crystal Display).
play) or the like, and performs various displays based on the drive signal input from the display drive circuit 7. Display drive circuit 7
Generates a drive signal based on the display data input from the CPU 2 and controls the display of the display unit 6.

The RAM 8 is a work memory 8 for temporarily storing an application program designated by the graph display device 1, input instructions, input data, processing results and the like.
In addition to a, etc., for example, a repayment period memory 8b for storing the calculated loan repayment period, a repayment amount memory 8c for storing the calculated repayment amount each time, a prepayment amount memory 8d for storing the calculated prepayment amount, etc. Has various memory areas.

The ROM 9 stores a basic program corresponding to the graph display device 1. That is, the initial display menu program 9a and various function calculation programs 9 executed when the power of the graph display device 1 is turned on.
b, processing program 9 executed in each processing mode
It stores a basic program such as c that does not require rewriting.

The storage medium 11 is composed of a magnetic or optical storage medium or a semiconductor memory. The storage medium 11 stores various processing programs corresponding to the graph display device 1, functional expression data, data processed by each processing program, and the like. Specifically, a graph display device according to the present invention, such as a loan graph drawing processing program 11a, a prepayment graph drawing processing program 11b, a loan repayment period shortening processing program 11c, and a repayment amount reduction processing program 11d. 1 stores the processing program executed in 1. Further, the programs, data, and the like are activated by causing the storage medium reading unit 10 to read them.

Further, a part or all of the programs, data, etc. stored in the storage medium 11 are transmitted from another device such as a server or a client via a transmission medium such as a network line to a transmission control unit (not shown). The storage medium 11 may be a storage medium that is received from the computer and stored, and the storage medium 11 may be a storage medium of a server constructed on the network. Further, the program may be transmitted to a server or a client via a transmission medium such as a network line and installed in these devices.

Next, in the graph display device 1, the CPU
Various processes relating to prepayment executed by 2 will be described using five embodiments.

[First Embodiment] FIG. 2 is a flow chart showing the operation of a graph drawing process for prepayment executed by the CPU 2 of the graph display device 1. FIG.
2 is a specific display example displayed on the display unit 6 when the advance repayment graph drawing process of FIG. 2 is performed. This embodiment is a shortened type that shortens the loan repayment period by keeping the monthly repayment amount after the prepayment execution, or a repayment amount reduction type that reduces the monthly repayment amount by keeping the loan repayment period as it is. The present invention relates to a graph display device capable of selecting any of the following repayments. The repayment method of the loan is repayment of principal and interest by allocating principal and interest so that the repayment amount will be constant until the repayment is completed.

Here, the program for realizing each function included in this flowchart is stored in the ROM 9 or the storage medium 11 in the form of a readable program code, and the CPU 2 operates according to this program code. Execute sequentially. Further, the CPU 2 can also sequentially execute the operation according to the above-mentioned program code transmitted via the transmission medium. That is,
In addition to the storage medium 11, a program / data externally supplied via a transmission medium can be used to execute the operation peculiar to this embodiment.

First, the display unit 6 is in a state in which a loan graph for which a loan has been calculated is drawn in advance. That is, the CPU 2 is in a state where the processing program stored in the storage medium 11 is executed, a graph is created, and the created graph is displayed on the display unit 6. Specifically, as shown in FIG. 7A, on the graph display screen 60 of the display unit 6, the horizontal axis 6x is set to the repayment period and the vertical axis 6y is set to the monthly repayment amount, and the graph display screen 60 is displayed. The curve G10 representing the loan graph before executing the advanced repayment is displayed. In addition, on the graph display screen 60, a plurality of straight lines connecting the lower end and the upper end of the graph display screen 60 are drawn at equal intervals so as to be parallel to the vertical axis 6y,
The scale is set to indicate January. In addition, the loan graph can be scrolled in the left and right direction, and the right end of the horizontal axis 6x in front view is the repayment completion date of the loan,
The left end of the scroll to the left corresponds to the current date. The curve G10 represents the ratio of the principal amount and the interest component to the repayment amount of the monthly repayment. Specifically, the upper part of the curve G10 represents the principal component and the lower part represents the interest component. It has become.

When the loan drawing graph drawing function is selected in the menu screen (not shown) and the execution instruction is input, the CPU 2
Displays a mark on the display unit 6 for designating a time (hereinafter referred to as a carry time) at which the carry-back repayment is executed.
Specifically, the mark "↑" m1 that specifies the advance time
(See FIG. 7B) is displayed in a part of the graph display screen 60, for example, in the lower right corner. After that, the CPU 2 determines whether or not the carry-up time is designated depending on whether or not the mark designating the carry-up time has moved (step A1).

When the CPU 2 determines that the advance time is designated (step A1; YES), it searches for the mark for designating the advance time on the loan graph (step A2). In these processes, for example, as shown in FIG. 7B, on the graph display screen 60, a mark “↑” m1 for designating a carry-up time is displayed on the scale on the second column from the left end in front view of the graph display screen 60. The loan graph moved to the position is displayed. The mark "↑" m1 can be moved in the horizontal direction on the horizontal axis 6x in increments of one scale.

Next, the CPU 2 determines the carry time by checking the position of the mark designating the carry time (step A3), and draws the specified carry time on the display unit 6. Subsequently, the CPU 2 displays an input setting screen (not shown) for the amount to be advanced on the display unit 6 and accepts the input of the amount to be transferred (step A4). In these processes, for example, as shown in FIG.
On the graph display screen 60, a thick line 1 designating the advance time is drawn on the scale indicated by the mark "↑" m1.
Further, in the lower part of the graph display screen 60, the carry-up amount “PMT ′ = 150,000 entered through the input unit 3”.
"0" is displayed.

Then, the CPU 2 calculates the principal amount by inputting the carry-up amount from the input unit 3 (step A5), specifies the area on the loan graph corresponding to the calculated principal amount, The area is paint-displayed (step A6). That is, on the display unit 6, based on the input of the carry-over amount, the loan graph in which the area on the loan graph corresponding to the principal amount of the inputted carry-over amount is displayed by painting is displayed. It should be noted that a well-known integral calculation method is used in this process, and a detailed description thereof will be omitted. In these processes, for example, FIG.
As shown in (d), on the graph display screen 60, for example, as an area on the loan graph corresponding to the principal amount calculated by inputting the amount of advance, the upper side of the curve G10 and the right side 4 of the thick line l A loan graph in which the scale area r1 is painted is displayed.

Next, the CPU 2 determines whether or not an instruction to display the interest amount in the carry amount has been input (step A7). When the CPU 2 determines that the instruction to display the interest amount has not been input (step A
7; NO), the area on the loan graph corresponding to the principal amount of the advanced amount is in a standby state with the loan graph displayed as a paint display. On the other hand, CPU2
When it is determined that the instruction to display the interest amount is input (step A7; YES), the interest amount for the principal amount is calculated (step A8), and the interest amount on the loan graph corresponding to the calculated interest amount is calculated. The area is specified, and the area is painted and displayed (step A9). In other words, the display unit 6 displays the loan graph in which the area on the loan graph corresponding to the interest amount of the carry-up amount is paint-displayed by inputting the instruction to display the interest amount. In these processes, for example, as shown in FIG. 7E, on the graph display screen 60, the interest amount for the principal amount is calculated, and as an area on the loan graph corresponding to the calculated interest amount, For example, a loan graph is displayed in which a region r2 on the lower side of the curve G10 and on the right side of the thick line 1 for approximately 4.5 scales is painted.

Thereafter, the CPU 2 displays a prepayment repayment method selection setting screen (not shown) on the display unit 6, and redraws the loan graph after the prepayment repayment is executed by either the period reduction type or the repayment amount reduction type. It is determined whether or not the instruction to be executed in step S10 has been input (step A10). CPU2
If it is determined that the instruction to execute the redrawing of the loan graph after the prepayment is executed by either the period reduction type or the repayment amount reduction type is not input (step A1
0: No input), the area on the loan graph corresponding to the interest amount of the advanced amount is in a standby state with the loan graph displayed as a paint display.

If the CPU 2 determines that the instruction to execute the redrawing of the loan graph after the prepayment repayment has been executed by the period shortening type (step A10; period shortening type), the CPU 2 moves forward by the period shortening type. It is determined whether or not an instruction to redraw the loan graph after execution of repayment has been input (step A11). When the CPU 2 determines that the instruction for redrawing the loan graph after execution of prepayment is shortened is not input (step A11; N).
O), the prepayment method selection setting screen (not shown) is displayed on the display unit 6, and the standby state is maintained. on the other hand,
When the CPU 2 determines that the instruction for redrawing the loan graph after the prepayment execution in the period reduction type is input (step A11; YES), the CPU 2 redraws the loan graph after the prepayment execution in the period reduction type. (Step A1
2), the process ends. In these processes, for example, as shown in FIG.
The right end of the horizontal axis 6x, which is the repayment completion date of the loan, is 4 in front view.
The curve G1 that represents the loan graph after execution of prepayment moved to the left by the scale is redrawn. Note that the calculated loan repayment period “n = 12” after execution of prepayment is displayed in part of the graph display screen 60, for example, in the lower left corner.

On the other hand, when the CPU 2 determines that the instruction to execute the redrawing of the loan graph after the prepayment repayment is executed in the repayment amount reduction type (step A10; repayment amount reduction type), the repayment amount reduction It is determined whether or not an instruction for redrawing the loan graph after execution of prepayment has been input by type (step A13). When the CPU 2 determines that the instruction for redrawing the loan graph after the prepayment is executed is not input in the repayment amount reduction type (step A
13; NO), the prepayment method selection setting screen (not shown) is displayed on the display unit 6 and remains in the standby state. On the other hand, when the CPU 2 determines that the instruction for redrawing the loan graph after the prepayment repayment is executed in the repayment amount reduction type (step A13; YES), the repayment amount reduction type after the prepayment repayment execution is performed. Is redrawn (step A14), and the process ends. For example, in FIG.
As shown in (g), on the graph display screen 60, on the loan graph display screen 60, for example, the prepayment execution in which the length of the vertical axis 6y, which is the monthly repayment amount, is changed downward from the upper end of the graph display screen 60. Curve G2 showing the loan graph after
Is redrawn. Note that the calculated monthly repayment amount “PMT = 60,000” after execution of prepayment is displayed in a part of the graph display screen 60, for example, in the lower left corner.

As described above, in this embodiment, the advance time can be designated on the loan graph drawn in advance on the graph display screen 60. Also, specify the advance time,
You can redraw the loan graph in the specified repayment format by simply inputting the prepayment amount "PMT '= 1500,000" after the prepayment repayment based on the specified period and the entered prepayment amount "PMT' = 1500,000". . Therefore, it is possible to easily perform the loan calculation and the graph display when executing the advanced repayment without any trouble. In addition, the input amount of advance "PM
The area on the loan graph corresponding to the principal amount of "T '= 1500000" and the input amount "PM"
The area on the loan graph corresponding to the interest amount of "T '= 1500000" is specified, and each area on the specified loan graph is displayed by painting. Therefore, when repayment of the loan, simply carry forward from the total repayment amount. The loan repayer can be notified that the loan is not deducted. In other words, the carry-up amount (principal amount) "PMT '
No interest will be accrued for "= 1500000", so the total repayment amount is increased to "PMT '= 15000".
The loan repayer can easily recognize that "00" and the interest amount will be reduced.

In this embodiment, the loan graph after the prepayment is executed is displayed on the graph display screen 60 as one screen, but the present invention is not limited to this. The loan graph before the prepayment execution and the loan graph after the prepayment execution may be displayed separately. As a result, it is possible to easily compare the loan graph before execution and after execution.

Further, in this embodiment, the repayment period of the loan after the advance repayment execution or the monthly repayment amount is calculated and displayed on the graph display screen 60, but the present invention is not limited to this. For example, the total repayment amount of the loan after carrying out the prepayment may be calculated and displayed on the graph display screen 60.

Further, in this embodiment, the repayment method of the loan is the equal repayment of interest and interest by allocating the principal and interest so that the repayment amount will be a fixed amount until the repayment is completed. Instead, it is possible to divide the principal evenly by the repayment period and add interest to the repayment period.

Further, in this embodiment, the repayment period of the loan is represented by the month, and the unit of the monthly repayment amount and the advance amount is represented by the yen, but the present invention is not limited to this, and the repayment of the loan is not limited thereto. The period and the monthly repayment amount are expressed in any way, and for example, the loan repayment period may be expressed in units of years.

[Second Embodiment] Next, a second embodiment will be described. In this embodiment, only by designating the repayment period of the loan, the advance amount required for shortening the repayment period of the loan is calculated, and the loan graph is redrawn.

FIG. 3 is a flow chart showing the operation of the loan repayment period shortening process, and FIG. 8 is a concrete display displayed on the display unit 6 when the loan repayment period shortening process shown in FIG. 3 is performed. It is a display example.

First, the display unit 6 is in a state in which a loan graph for which a loan has been calculated is drawn in advance. Specifically, as shown in FIG. 8A, for example, in the graph display screen 60 of the display unit 6, a curve G10 representing a loan graph before execution of prepayment is displayed. .

When the loan repayment period shortening function is selected on the menu screen (not shown) while the loan graph is displayed and an execution instruction is input, the CPU 2
A mark that specifies when the loan will be repaid (for example,
“↑” or the like) is displayed on the display unit 6. Specifically, the mark "↑" m2 (Fig. 9) that specifies the repayment completion date of the loan.
(See (b)) is displayed in a part of the graph display screen 60, for example, in the lower right corner. After that, the CPU 2 determines whether or not the loan repayment period has been changed depending on whether or not the mark designating the repayment completion date has moved (step B1).

When the CPU 2 determines that the loan repayment period has been changed (step B1; YES),
The position of the mark designating the repayment completion date is searched for on the loan graph (step B2), the position of the mark designating the repayment completion date is confirmed, and the shortened repayment period is recognized (step B3). In these processes, for example, as shown in FIG. 8B, on the graph display screen 60, a mark “↑” m2 for designating the repayment completion date of the loan is displayed.
Is displayed on the graph display screen 60 from the right end in front view to the position of the scale on the third column, and a loan graph is displayed. In the lower left corner of the graph display screen 60, the loan repayment period “n = 13” after the period reduction is drawn. Further, the numerical value indicating the repayment period of the loan is changed along with the movement of the mark "↑" m2.

When the repayment period shortened as described above is recognized, the CPU 2 calculates the carry-over amount necessary for shortening the repayment period of the loan (step B
4) Then, the loan graph in which the repayment period of the loan is shortened is redrawn based on the repayment period of the designated loan (step B5), and the process ends. In these processes, for example, as shown in FIG.
Then, the curve G3 representing the loan graph in which the right end in front view of the horizontal axis 6x is moved to the position of the third column from the right end in front view is redrawn. It should be noted that a part of the graph display screen 60, for example, the lower end, has the calculated carry-over amount “PMT ′ = 120.
"0000" is displayed.

As described above, in this embodiment, by simply designating the loan repayment period “n = 13”, the carry-forward amount “PMT” required to repay the loan within the designated loan repayment period. Calculate “= 1200000”,
A curve G representing a loan graph in which the loan repayment period is shortened based on the specified loan repayment period “n = 13”.
3 is redrawn on the graph display screen 60. Therefore, when the repayment period of the loan is shortened, it is possible to avoid the complexity because it does not take much time to calculate the necessary amount of advance.
In addition, the calculated amount of advance “PMT ′ = 12000
Since "00" is displayed, the loan repayer can easily understand the advanced amount "PMT '= 1200000" required to repay the loan within the repayment period "n = 13" of the designated loan.

[Third Embodiment] Next, a third embodiment will be described. In the second embodiment, only by designating the repayment period of the loan, the advance amount necessary for shortening the repayment period is calculated and the loan graph is redrawn. In the embodiment, only by designating the monthly repayment amount, the carry-over amount necessary to reduce the monthly repayment amount is calculated, and the loan graph is redrawn.

FIG. 4 is a flowchart showing the operation of the monthly repayment amount reduction processing, and FIG. 9 is a concrete display displayed on the display unit 6 when the monthly repayment amount reduction processing of FIG. 4 is performed. It is a display example.

First, the display unit 6 is in a state in which a loan graph for which a loan has been calculated is drawn in advance. Specifically, as shown in FIG. 9A, in the graph display screen 60 of the display unit 6, for example, a curve G10 representing a loan graph before execution of prepayment is displayed. .

When the loan reduction function is selected on the menu screen (not shown) in the state where the loan graph is displayed and an execution instruction is input, the CPU 2 sets a mark () for designating the monthly payment amount. For example, “↑” or the like) is displayed on the display unit 6. Specifically, a mark “←” m3 (see FIG. 9B) that specifies the monthly repayment amount is displayed on a part of the graph display screen 60, for example, on the right side of the upper end. After that, the CPU 2 determines whether or not the monthly repayment amount has been changed depending on whether or not the mark designating the monthly repayment amount has moved (step C1).

When the CPU 2 determines that the monthly repayment amount has been changed (step C1; YES), it searches for a mark on the loan graph for designating the monthly repayment amount (step C2). , Confirms the position of the mark designating the monthly repayment amount and recognizes the reduced monthly repayment amount (step C3). In these processes, for example, as shown in FIG. 9 (b), in the graph display screen 60, a mark "←" m3 designating a monthly repayment amount is moved downward from the upper end of the graph display screen 60. The graph is displayed. The reduced repayment amount “PMT = 75000” is drawn in the lower left corner of the graph display screen 60. Further, the numerical value indicating the monthly repayment amount is changed with the movement of the mark "←" m3.

When the repayment amount reduced as described above is recognized, the CPU 2 calculates the carry-over amount necessary to reduce the monthly repayment amount (step C4), and the designated monthly repayment amount. The loan graph in which the monthly repayment amount is reduced is redrawn based on the above (step C5), and the process is ended. In these processes, for example, FIG.
As shown in, the curve G4 representing the loan graph in which the upper end of the vertical axis 6y has moved to the position where the movement of the mark "←" m3 is stopped is redrawn on the graph display screen 60. In addition,
On a part of the graph display screen 60, for example, the lower end, the calculated carry-over amount “PMT ′ = 1200,000” is displayed.

As described above, in this embodiment, by simply designating the monthly repayment amount “PMT = 75000”, the carry-over amount “PMT ′” necessary for repayment of the loan at the designated monthly repayment amount. = 1200000 ",
A curve G4 representing a loan graph in which the monthly repayment amount is reduced based on the specified monthly repayment amount “PMT = 75000” is redrawn on the graph display screen 60. Therefore, when the monthly repayment amount is reduced, it is possible to avoid the complexity because it does not take much time to calculate the necessary amount of advance. In addition, the calculated amount of advance “PMT ′ = 120,000”
"0" is displayed, so the specified monthly repayment amount "PMT
= 75000 ", the loan repayer can easily understand the amount of advance" PMT '= 1200000 "required to repay the loan.

[Fourth Embodiment] Next, a fourth embodiment will be described. In this embodiment, the prepayment amount is calculated based on the input of the repayment period of the loan, the repayment period of the loan and the calculated prepayment amount are displayed in association with each other, and the repayment period and the prepayment amount of the displayed loan are displayed. It is designed to display the relationship with.

FIG. 5 is a flow chart showing the operation of the balance graph drawing process, and FIG. 10 is a specific display example displayed on the display unit 6 when the balance graph drawing process of FIG. 5 is performed.

First, when the balance graph drawing function is selected on the menu screen (not shown) and an execution instruction is input, the CPU 2 displays an input setting screen (not shown) for the advance time on the display unit 6 and inputs it. Accept. Then, the CPU 2 determines whether or not the advance timing has been input (step D1).

When the CPU 2 determines that the prepayment time has been input (step D1; YES), it displays a balance table of the repayment period of the loan and the prepayment amount on the display unit 6, and inputs the repayment period of the loan. Is accepted (step D2). Then, when the repayment period of the loan is input from the input unit 3 (step D3), the CPU 2 determines whether or not an instruction to calculate the carry-over amount necessary for performing the repayment in the input repayment period of the loan is input. It is determined (step D4). In these processes, for example, as shown in FIG. 10A, when the advance period is input, a balance display table 61 of the loan repayment period and the advance amount is displayed on the graph display screen 60. Specifically, in the balance table 61, the area on the left side in front view is a List1 display section 61a in which "List1" is displayed at the upper end of the area on the left side, and the area on the right side is the upper edge of the area on the right side. It is a List2 display portion 61b in which "List2" is displayed in the section. The List1 display unit 61a can display repayment periods of a plurality of loans, and the List2 display unit 61b displays List1.
The amount of money to be advanced calculated based on the repayment period of the loan displayed on the display unit 61a is displayed. For example, below the "List1" displayed at the upper end of the List1 display unit 61a, "30", "25", "2" are provided as repayment periods of the loan input through the input unit 3.
"0" and "15" are displayed in order from the top. The unit of the numerical value indicating the repayment period of the loan is the year.

When the CPU 2 determines that the instruction to calculate the carry-up amount has not been input (step D
4; NO), while the balance table of the repayment period of the loan and the advanced amount is displayed on the display unit 6, the input of the repayment period of the loan is accepted. On the other hand, when the CPU 2 determines that the instruction to calculate the prepayment amount has been input (step D4; YES), it calculates the prepayment amount required to shorten the repayment period of the loan, and calculates the repayment period of the loan. It is displayed in the balance table by associating it with the carried-up amount (step D5). That is,
The display unit 6 displays a balance table in which the loan repayment period and the prepayment amount required to shorten the loan repayment period are displayed in association with each other. In these processes, for example, as shown in FIG.
"List2" displayed at the upper end of the t2 display portion 61b
On the lower side of the figure, the carry-over amounts calculated by the CPU 2 are “1000000”, “1800000”, and “25”.
"00000" and "4500000" are displayed in order from the top. That is, when the repayment period of the loan is "30", the prepayment amount required to shorten the repayment period is "1000000", and when the repayment period is "25", the prepayment amount is " If the repayment period is "1800000", the prepayment amount is "2500000" when the repayment period is "20", and the prepayment amount is "4500000" when the repayment period is "15". Is easily understandable.

After that, the CPU 2 determines whether or not an instruction to draw a graph of the relationship between the loan repayment period and the advanced amount has been input (step D6). CPU2
When it is determined that the instruction to draw the graph has not been input (step D6; NO), the standby state is displayed with the balance table displaying the repayment period of the loan and the necessary amount to be advanced. On the other hand, when the CPU 2 determines that the instruction to draw the graph has been input (step D6; YES), based on the relationship between the loan repayment period and the amount to be advanced, which is displayed in the balance table of the display unit 6. A balance graph is created, the created balance graph is drawn (step D7), and the process ends. In these processes, for example, as shown in FIG. 10C, on the graph display screen 60, the loan repayment period displayed on the List1 display unit 61a of the balance table 61 and the advancement displayed on the List2 display unit 61b. A polygonal line G5 representing a balance graph in which the numerical data of the amount of money is plotted and connected is displayed. This makes it easier for the loan repayer to understand the relative relationship between the loan repayment period and the required amount of advancement when shortening the loan repayment period. In addition, on the graph display screen 60,
The horizontal axis 61x is set to the amount of advance and the vertical axis 61y is set to the repayment period of the loan.

As described above, in this embodiment, the timing for executing the prepayment is designated, and the prepayment amount (for example, “30”) is input based on the input of the repayment period (for example, “30”) of the loan after execution of the prepayment. , “1000000”), and the loan repayment period (eg, “30”) and the calculated amount of advance (eg, “100000”).
0 ") is displayed in association with the balance table 61. Therefore, the loan repayer can easily understand the amount of advance required to repay the loan within the entered loan repayment period. Therefore, it is possible to avoid troublesomeness because it does not take much time to calculate the loan when the prepayment is executed. Further, the numerical data displayed on the balance table 61 is plotted, and the line G5 representing the connected balance graph is displayed on the graph display screen 60, so that the loan repayment person can calculate the loan repayment period and the required amount of advance. Can more easily understand the relationship.

[Fifth Embodiment] Next, a fifth embodiment will be described. In the fourth embodiment, the advance amount is calculated based on the input of the repayment period of the loan,
The loan repayment period and the calculated prepayment amount are displayed in association with each other, and the relationship between the displayed loan repayment period and the prepayment amount is displayed in a graph. However, in the fifth embodiment, , Calculate the prepayment amount based on the input of the monthly repayment amount, display the monthly repayment amount and the calculated prepayment amount in association with each other, and graph the relationship between the displayed monthly repayment amount and the prepayment amount It is supposed to be displayed.

FIG. 6 is a flow chart showing the operation of the balance graph drawing process, and FIG. 11 is a specific display example displayed on the display unit 6 when the balance graph drawing process of FIG. 6 is performed.

First, when the balance graph drawing function is selected on the menu screen (not shown) and an execution instruction is input, the CPU 2 displays an input setting screen (not shown) for the advance time on the display unit 6 and inputs it. Accept. Then, the CPU 2 determines whether or not the advance timing has been input (step E1).

When the CPU 2 determines that the advance time is input (step E1; YES), the display unit 6 displays the balance table of the monthly repayment amount and the advance amount.
, And the input of monthly repayment amount is accepted (step E2). Then, when the monthly repayment amount is input from the input unit 3 (step E3), the CPU 2 determines whether or not an instruction to calculate the prepayment amount necessary for performing the repayment with the input monthly repayment amount is input. Whether or not (step E
4). Specifically, in the balance table 62, as in the above-described fourth embodiment, the area on the left side in front view is Lis.
It is the t1 display portion 62a, and the area on the right side is List.
It is a two-display unit 62b. List1 display unit 62a
, You can display multiple monthly repayment amounts.
The st2 display portion 62b is configured to display the carry-over amount calculated based on the monthly repayment amount displayed on the List1 display portion 62a. For example, List1
Below the “List1” displayed on the upper end of the display unit 62a, “90000”, “85000”, “80000” as monthly payment amounts input via the input unit 3,
“75000” is displayed in order from the top.

When the CPU 2 determines that the instruction to calculate the carry-up amount has not been input (step E
4; NO), while the balance table of the monthly repayment amount and the prepayment amount is displayed on the display unit 6, the input of the monthly repayment amount is accepted. On the other hand, when the CPU 2 determines that the instruction to calculate the prepayment amount has been input (step E4; YES), it calculates the prepayment amount required to reduce the monthly repayment amount, and calculates the monthly repayment amount. It is displayed in the balance table by associating it with the carried-up amount (step E5). That is, the display unit 6 displays a balance table in which the monthly repayment amount and the prepayment amount required to reduce the monthly repayment amount are associated with each other and displayed. In these processes, for example, FIG.
As shown in (b), below the "List2" displayed at the upper end of the List2 display portion 62b, "1000000" as the carry-up amount calculated by the CPU 2,
"1800000", "2500000", "4500"
“000” is displayed in order from the top. That is, when the monthly repayment amount is “90000”, the carry-over amount required to reduce the repayment amount is “1000000”,
When the repayment amount is “85,000”, the advance amount is “1800000” and the repayment amount is “8000”.
In the case of "0", the carry-over amount is "250,000".
If the repayment amount is “0” and the repayment amount is “75000”, the loan repayment person can easily understand that the advance amount is “4500000”.

After that, the CPU 2 determines whether or not an instruction to draw a graph of the relationship between the monthly repayment amount and the advanced amount has been input (step E6). When the CPU 2 determines that the instruction to draw the graph has not been input (step E6; NO), the CPU 2 is in a standby state while displaying the balance table in which the monthly repayment amount and the required carry-over amount are displayed. On the other hand, when the CPU 2 determines that the instruction to draw the graph has been input (step E6; Y
ES), a balance graph is created based on the relationship between the monthly repayment amount and the advanced amount displayed in the balance table of the display unit 6, and the created balance graph is drawn (step E7) to perform the processing. finish. In these processes, for example, as shown in FIG. 11C, the list of the balance table 62 is displayed on the graph display screen 60.
Monthly repayment amount and List2 displayed on the 1 display unit 62a
A polygonal line G6 representing a balance graph in which the numerical data of the carry-over amount displayed on the display unit 62b is plotted and connected.
Is displayed. As a result, the loan repayer can more easily understand the relative relationship between the monthly repayment amount and the necessary amount to be advanced when the monthly repayment amount is reduced. Note that on the graph display screen 60, the horizontal axis 62x is set to the carry-up amount and the vertical axis 62y is set to the monthly repayment amount.

As described above, in this embodiment, the amount of prepayment (for example, "90000") is designated based on the input of the monthly repayment amount (for example, "90000") after execution of prepayment. , "1000000")
And the monthly repayment amount (for example, “90000”) and the calculated advance amount (for example, “100000”).
0 ") is displayed in association with the balance table 62. Therefore, the loan repayer can easily understand the amount of prepayment required to repay the loan with the input monthly repayment amount. Therefore, it is possible to avoid troublesomeness because it does not take much time to calculate the loan when the prepayment is executed. Further, the numerical data displayed on the balance table 62 is plotted, and the line G6 representing the connected balance graph is displayed on the graph display screen 60, so that the loan repayment person can see the monthly repayment amount and the required amount of prepayment. Can more easily understand the relationship.

[0080]

According to the invention as set forth in claim 1, it is possible to specify the time when the prepayment is to be executed and only input the prepayment amount, and after the prepayment repayment is executed based on the specified time and the inputted prepayment amount. , The loan graph with the predetermined repayment format is redrawn. Therefore, it is possible to easily perform the loan calculation and the graph display when executing the advanced repayment without any trouble.

According to the invention of claim 2, the repayment person of the loan can easily understand that the repayment period of the loan is shortened.

According to the invention of claim 3, the repayment person can easily understand that the repayment amount for each time is reduced.

According to the fourth aspect of the invention, it is possible to easily specify the time when the prepayment is to be executed, and the calculation of the loan and the display of the loan graph when the prepayment is executed can be further trouble-free.

According to the invention described in claim 5, it is possible to notify the loan repayer that the prepayment amount is not simply deducted from the total repayment amount in the loan repayment. That is, since interest on the amount of advance (principal amount) is not generated, the loan repayer can easily recognize that the amount of advance and the amount of interest are reduced from the total repayment amount.

According to the invention described in claim 6, when the repayment period of the loan is shortened, it is possible to avoid the complexity because it does not take time to calculate the necessary amount of advance. Further, the loan repayer can easily understand the amount of advancement required to repay the loan within the repayment period of the designated loan.

According to the invention described in claim 7, when the repayment amount for each time is reduced, it is possible to avoid the complexity because calculation of the required prepayment amount is not troublesome. In addition, the loan repayment person can easily understand the amount of prepayment required to repay the loan with the designated repayment amount each time.

According to the invention described in claim 8, it is possible to avoid troublesomeness in calculating the loan when executing the prepayment, and to avoid complication, and to pay the loan within the repayment period of the inputted loan. Loan repayers can easily understand the amount of advance required to repay. further,
Loan repayers can easily understand the relationship between the loan repayment period and the amount to be advanced.

According to the invention described in claim 9, it is possible to avoid troublesomeness because the loan calculation is not necessary when carrying out the prepayment, and the loan repayment is made at the designated repayment amount. Loan repayers can easily understand the amount of money required to carry out a loan. In addition, the loan repayer can easily understand the relationship between the repayment amount and the prepayment amount each time.

[Brief description of drawings]

FIG. 1 is a block diagram showing an internal configuration of an example of a graph display device to which the present invention is applied.

FIG. 2 is a flowchart illustrating a graph drawing process for prepayment executed by the graph display device in the first embodiment.

FIG. 3 is a flowchart illustrating a loan repayment period shortening process executed by the graph display device according to the second embodiment.

FIG. 4 is a flowchart illustrating a monthly repayment amount reduction process executed by the graph display device according to the third embodiment.

FIG. 5 is a flowchart illustrating a balance graph drawing process executed by a graph display device according to a fourth embodiment.

FIG. 6 is a flowchart illustrating a balance graph drawing process executed by a graph display device according to a fifth embodiment.

FIG. 7 is a display example of a loan graph displayed in the graph drawing process for prepayment in FIG.

8 is a display example of a loan graph displayed in the process of shortening the repayment period of the loan in FIG.

9 is a display example of a loan graph displayed in the monthly repayment amount reduction processing of FIG. 4. FIG.

10A and 10B are display examples of a balance table displayed in the balance graph drawing process of FIG. 5, and FIG. 10C is a balance graph drawing process of FIG. 6 is a display example of a balance graph displayed in FIG.

11 (a) and 11 (b) are display examples of a balance table displayed in the balance graph drawing process of FIG. 6, and FIG. 11 (c) is a balance graph drawing process of FIG. 6 is a display example of a balance graph displayed in FIG.

[Explanation of symbols]

1 graph display device 2 CPU 3 input unit 4 tablet 5 position detection circuit 6 display unit 7 display drive circuit 8 RAM 9 ROM 10 storage medium reading unit 11 storage medium 60 graph display screen 61 balance table of loan repayment period and carry-over amount 62 Balance table of monthly repayment amount and prepayment amount G10 Curves G1, G2, G3, G4 representing loan graph before execution of prepayment repayment Curves G5, G6 representing loan graph after execution of prepayment repayment The numerical data displayed in the balance table A line representing the balance graph displayed based on

Claims (9)

[Claims] 1. A display means for displaying a loan graph, a drawing means for drawing the loan graph on the display means, a timing designating means for designating a time when a prepayment is to be executed, and an input for inputting a prepayment amount. Means, and redrawing means for causing the display means to redraw the loan graph in a predetermined repayment form after execution of prepayment based on the prepayment amount input by the input means and the time designated by the timing designating means. A graph display device comprising: 2. The redrawing means calculates a repayment period of a loan for each given repayment amount after execution of prepayment, and redraws a loan graph based on the calculated repayment period of the loan. The graph display device according to claim 1, further comprising a pattern redrawing unit. 3. The repayment type which redraws the loan graph after calculating the repayment amount for each given repayment period after carrying out the prepayment, and redrawing the loan graph based on the calculated repayment amount. The graph display device according to claim 1, further comprising redrawing means. 4. The graph display device according to claim 1, wherein the timing designating means includes a graphical designating means for designating a timing of executing a prepayment on the loan graph. . 5. A first area specifying unit for specifying an area on the loan graph corresponding to the principal amount of the input carry-up amount based on the input of the carry-up amount, and an interest portion of the carry-up amount. Second area specifying means for specifying a corresponding area on the loan graph, and paint display control means for painting and displaying each area on the loan graph specified by the first and second area specifying means, The graph display device according to claim 1, wherein the graph display device is provided. 6. A display unit for displaying a loan graph, a drawing unit for drawing the loan graph on the display unit, a period designating unit for designating a loan repayment period on the loan graph, and the period designating unit. The first repayment amount calculation means for calculating the prepayment amount necessary for repayment of the loan within the repayment period of the designated loan, and the repayment period of the loan based on the repayment period of the loan designated by the period designating means. Redrawing means for redrawing the shortened loan graph on the display means, and display control means for displaying on the display means the carry-over amount calculated by the first carry-over amount calculating means. Graph display device. 7. Display means for displaying a loan graph, drawing means for drawing the loan graph on the display means, repayment amount designating means for designating a repayment amount for each time on the loan graph, and repayment amount designation Second repayment amount calculation means for calculating the prepayment amount necessary for repayment of the loan at each repayment amount designated by the means, and repayment for each time based on the repayment amount designated by the repayment amount designating means Redrawing means for redrawing the loan graph with the reduced amount on the display means, and display control means for displaying on the display means the amount of advance calculated by the second amount of advance calculation. And a graph display device. 8. A display means, a timing designating means for designating a time when the prepayment is to be executed, and a third prepayment amount calculation means for calculating the prepayment amount based on the input of the repayment period of the loan after the prepayment execution. A display control unit that causes the display unit to display the loan repayment period and the prepayment amount in the repayment period calculated by the third advance amount calculation unit in association with each other; A graph display device comprising: a graph display control means for displaying a graph of the relationship between the displayed loan repayment period and the advanced amount. 9. A display means, a timing designating means for designating a time when the prepayment is to be executed, and an input of a repayment amount each time after the prepayment is executed,
The fourth advance amount calculation means for calculating the advance amount, the repayment amount for each time, and the advance amount in the repayment amount for each time calculated by the fourth advance amount calculation means are displayed on the display means in association with each other. A graph display control means, and a graph display control means for causing the display means to display a graph of the relationship between the repayment amount and the carry-up amount displayed on the display means by the display control means. apparatus.