JP2006139628A - Loan management system, loan application interest management server, loan application interest management device, and computer program - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To optionally set a usage rate and an application period of a loan interest rate type and to release a fixed interest rate during its application period at a commission lower than a refinancing commission. <P>SOLUTION: A communication terminal is provided with a loan principal setting part 102 and an assumed principal rate setting part 106 setting an assumed principal and setting an assumed principal application interest rate and an assumed principal application period to the assumed principal. A loan application interest rate management server is provided with an assumed principal storage part 2, which stores a rate/amount of the assumed principal, the assumed principal application interest rate, and the assumed principal application period set by a communication terminal, and a loan repayment amount calculation part 218 applying a loan interest, which is found from the stored assumed principal application interest rate and the stored assumed principal application period, for the assumed principal instead of a previously decided interest rate during the stored assumed principal application period serving as a part of a loan repayment period. <P>COPYRIGHT: (C)2006,JPO&NCIPI

Description

  The present invention relates to a loan management system, a loan applicable interest rate management server, a loan applicable interest rate management device, and a computer program.

  There are two types of interest rates for loans: a floating interest rate where the applicable interest rate is reviewed in the short term, and a fixed interest rate where the long-term applicable interest rate remains unchanged. Generally, short-term interest rates have a lower interest rate level than long-term interest rates, so there is usually a merit that floating interest rates are lower than fixed interest rates, but there is a demerit that the amount of repayment rises when interest rates rise. On the other hand, the fixed interest rate has the advantage that the repayment amount is constant because the applied interest rate is constant for a long time, but there is a demerit that the interest rate decline cannot be enjoyed in the falling interest rate phase.

  In spite of the above merits and demerits, it is difficult to foresee the interest rate, but loan users had to select the interest rate type based on their interest rate prospects when borrowing . Therefore, in order to avoid being forced to make such a selection, there is a method in which the borrowing principal is divided, a plurality of borrowings are performed, and a floating interest rate or a fixed interest rate is applied to each borrowing principal. In general, it is relatively easy to change the interest rate type from a floating interest rate to a fixed interest rate, so it was possible to change the interest rate type from a floating interest rate to a fixed interest rate to cope with the interest rate risk. On the other hand, once a fixed interest rate has been set, it cannot be easily changed to a floating interest rate, so loan users have changed interest rate types by refinancing.

Japanese Patent Laid-Open No. 2003-6432

  However, there was a problem that even if the borrowing principal was split and different interest rate types were set, the split ratio determined at the time of borrowing could not be changed. In addition, when the interest rate type is changed by refinancing as described above, there is a problem that a refinancing fee is charged, and as a result, the merit of lowering the interest rate cannot be received.

  Therefore, the present invention has been made in view of such problems, and the purpose of the present invention is to arbitrarily set the usage rate and application period of the interest rate type of the loan, which is less than the refinancing fee. It is an object of the present invention to provide a new and improved loan management system, loan application interest rate management server, loan application management device, and computer program capable of releasing a fixed interest rate during a fixed interest application period with a fee.

  In order to solve the above problems, according to one aspect of the present invention, in a loan management system having a loan applicable interest rate management server and a communication terminal connectable to the loan applicable interest rate management server via a network: A loan principal setting unit that accesses the loan applicable interest rate management server to set the loan principal; and a loan principal interest rate management server that accesses either the desired percentage or amount of the loan principal And an assumed principal ratio setting unit for setting an assumed principal applicable interest rate and an assumed principal application period for the assumed principal, and the loan applicable interest rate management server includes: An assumed principal storage unit for storing a ratio or amount of an assumed principal set by the communication terminal, an assumed principal application interest rate, and an assumed principal application period in response to a request from the communication terminal; In the memorized notional principal application period that is part of the repayment period, the notional principal loan interest calculated from the memorized notional principal application interest rate and the memorized notional principal application period is determined in advance. And a loan repayment amount calculation unit to be applied in place of the loan interest based on the determined interest rate. A loan management system is provided.

  Also, the assumed principal ratio setting unit provided in the communication terminal sets one or more assumed principals that are the ratio of the amount to the loan principal, and the assumed principal storage unit provided in the loan applicable interest rate management server is The ratio of two or more notional principals, the notional principal application interest rate and the notional principal application period are memorized, and the loan repayment amount calculation unit applies the one or more memorized notional principal ratios and notional principal application You may make it apply the loan interest of the notional principal according to a period instead of the loan interest based on a predetermined interest rate.

  In addition, the assumed principal ratio setting unit provided in the communication terminal sets one or two or more assumed principals that are the amount of the loan principal, and the assumed principal storage unit provided in the loan applicable interest rate management server has one or more assumed principals. The notional principal amount, the notional principal application interest rate, and the notional principal application period are stored, and the loan repayment amount calculation unit calculates the ratio of one or more notional principals stored and the notional principal application period. The corresponding notional principal loan interest may be applied in place of the loan interest based on a predetermined interest rate.

  The loan is a loan in which a user borrows a bundle of money from a financial institution and repays little by little from a monthly salary over a long period of time. Examples of this loan include a mortgage loan, a car loan, an education loan, and a card loan that can be used for any purpose. The loan principal is an amount borrowed from a financial institution by a user after exchanging a borrowing agreement.

  When a user borrows money from a financial institution, it is necessary to pay interest, and the interest rate is the ratio of interest paid within a certain period to the borrowed amount (loan principal). Interest on the borrowed amount is calculated according to the loan principal, interest rate and borrowing period. In addition, interest rates vary depending on the current economic situation, but there are fixed interest rates that do not change the interest rate for a certain period of time, and variable interest rates that review the interest rate every certain period.

  The notional principal is the ratio of the amount to the loan principal or the amount to the loan principal. Notional principal is the principal used for nominal purposes to calculate interest expense. The assumed principal may be set for the entire loan principal, or a part thereof may be set. Further, when the assumed principal is the ratio of the amount to the loan principal, the loan principal is set to 100%, and the sum of the ratio of the amount to the loan principal is set to 100% or less. For example, assuming that the loan principal amount is 100%, the assumed principal 1 is 30% of the loan principal amount, the assumed principal 2 is 20% of the loan principal amount, and the assumed principal 3 is the loan principal amount Therefore, different applicable interest rates and application periods can be set for the assumed principals 1 to 3 respectively.

  In addition, when the assumed principal is the amount for the loan principal, the total amount of the assumed principal is set to be equal to or less than the amount of the loan principal. For example, assuming that the loan principal amount is 10 million yen, the assumed principal 1 is set to 3 million yen, the assumed principal 2 is set to 2 million yen, the assumed principal 3 is set to 1 million yen, and the assumed principals 1 to 3 are set. Different application interest rates and application periods can be set for each.

  Then, the interest on the loan according to the interest rate type applied to the assumed principal is exchanged with the interest on the loan principal corresponding to the assumed principal set at the time of contract. As a result, the loan user can effectively pay the loan interest according to the interest rate type applied to the notional principal.

  The above-mentioned notional amount may be set at the time of loan contract or after the loan contract. If it is set at the time of loan contract, it becomes possible to calculate the loan repayment amount using different interest types from the first loan repayment. In addition, since the ratio of the assumed principal and the interest rate type can be changed at any time, the loan user can set or change the loan payment method according to the interest rate level from time to time.

  According to the above invention, different interest rate types can be used in combination with the loan principal. For example, it is possible to apply a variable interest rate and a fixed interest rate to a loan principal, or to apply a fixed interest rate with different application periods in combination. It is also possible to change the usage rate of the set floating rate and fixed rate.

  In addition, you can set multiple notional amounts and apply different interest rate types. It is also possible to change the set ratio of the assumed principal. As a result, the method of paying the loan interest can be changed without changing the setting of the loan principal, which eliminates the need for troublesome office procedures and refinancing of the loan with a fee, and increases the convenience for the user.

  In addition, when the applicable interest rate of the loan principal is a floating interest rate, the assumed principal ratio setting unit provided in the communication terminal sets the ratio or amount of the assumed principal that is a fixed interest rate and the application period of the fixed interest rate. The loan repayment amount calculation unit provided in the applicable interest rate management server replaces the notional principal loan interest calculated from the ratio or amount of the notional principal amount and the fixed interest rate application period with the loan interest based on a predetermined floating interest rate. May be applied.

  The loan applicable interest rate management server may further include a fee setting unit that collects a predetermined fee when the ratio of the assumed principal is reduced during the application period of the fixed interest rate.

  Thereby, the loan user can reduce the ratio of the fixed interest rate during the application period only by paying a predetermined fee without performing refinancing with troublesome administrative procedures.

  In addition, when the applicable interest rate of the loan principal is a fixed interest rate, the assumed principal ratio setting unit provided in the communication terminal is a variable interest rate and / or a ratio of the assumed principal that is a fixed interest rate that is different from the application period of the loan principal. The loan repayment amount calculation unit provided in the loan application interest rate management server sets the amount and notional principal application period, and the assumption that is calculated from the notional principal ratio or amount, the notional principal application interest rate, and the notional principal application period The principal loan interest may be applied in place of the loan interest based on a predetermined fixed interest rate.

  The loan application interest rate management server may further include a fee setting unit that collects a predetermined fee when the loan principal application interest rate is changed to a variable interest rate during the application period of the fixed interest rate. The loan application interest rate management server may further include a fee setting unit that collects a predetermined fee when the application period of the loan principal is changed during the application period of the fixed interest rate.

  As a result, the loan user can change the fixed interest rate during the application period to a variable interest rate or change the application period for the fixed interest rate without paying the prescribed fee and refinancing with troublesome administrative procedures. Can be changed.

  In order to solve the above-mentioned problem, according to another aspect of the present invention, a desired ratio or amount of loan principal is assumed as a notional principal, and an assumed principal applicable interest rate is compared to the notional principal. A loan application interest rate management server connected via a network and a communication terminal capable of setting the assumed principal application period; set by the communication terminal in response to a request from the communication terminal of the loan principal A notional principal storage unit for storing the ratio or amount of the notional principal amount, the notional principal application interest rate, and the notional principal application period; and in the memorized notional amount application period that is part of the loan repayment period A loan repayment amount calculation unit that applies a loan interest of a notional principal obtained from a memorized notional principal applicable interest rate and a memorized notional principal application period to a loan interest based on a predetermined interest rate; Has And wherein, loan application rate management server is provided.

  The assumed principal storage unit stores a ratio of one or more assumed principals set by the communication terminal, an assumed principal application interest rate, and an assumed principal application period, and the loan repayment amount calculation unit stores You may make it apply the loan interest of the notional principal according to the ratio of one or two or more notional principals and the notional principal application period in place of the loan interest based on a predetermined interest rate.

  The above assumed principal storage unit stores the amount of one or more assumed principals set by the communication terminal, the assumed principal application interest rate and the assumed principal application period, and the loan repayment amount calculation unit stores You may make it apply the loan interest of the notional principal according to the ratio of one or two or more notional principals and the notional principal application period in place of the loan interest based on a predetermined interest rate.

  In addition, when the applicable interest rate of the loan principal is a floating interest rate, the assumed principal storage unit stores the ratio or amount of the assumed principal, which is a fixed interest rate set by the communication terminal, and the application period of the fixed interest rate. The repayment amount calculation unit may apply the loan interest of the notional principal obtained from the ratio or amount of the notional principal and the application period of the fixed interest rate in place of the loan interest based on the predetermined floating interest rate. Good.

  Moreover, when the ratio of the assumed principal is reduced during the fixed interest rate application period, a fee setting unit for collecting a predetermined fee may be further provided.

  In addition, when the applicable interest rate of the loan principal is a fixed interest rate, the notional principal storage unit stores the variable interest rate set by the communication terminal and / or the proportion of the assumed principal that is a fixed interest rate that is different from the application period of the loan principal Alternatively, the amount and the notional principal application period are stored, and the loan repayment amount calculation unit calculates the notional principal loan interest calculated from the notional principal ratio or monetary amount, the notional principal application interest rate, and the notional principal application period. , It may be applied instead of loan interest based on a predetermined fixed interest rate.

  When the loan principal application interest rate is changed to a floating interest rate during the fixed interest rate application period, a fee setting unit for collecting a predetermined fee may be further provided.

  When the application period of the loan principal is changed during the application period of the fixed interest rate, a fee setting unit for collecting a predetermined fee may be further provided.

  In order to solve the above-mentioned problems, according to another aspect of the present invention, a loan principal setting unit for setting a loan principal; and setting a desired ratio or amount of the loan principal as an assumed principal The notional principal rate and the notional principal application period are set for the notional principal, and the notional principal ratio or amount set by the notional principal proportion setting section. A notional principal storage unit that stores the notional principal application interest rate and the notional principal application period; in the memorized notional principal application period that is part of the loan repayment period, A loan repayment amount calculation unit that applies a loan interest of a notional principal obtained from a stored notional principal application period to a loan interest based on a predetermined interest rate. , A loan applicable interest rate management device is provided .

  The notional principal ratio setting unit sets one or two or more notional principals, which is a ratio of the amount to the loan principal, and the notional principal storage unit determines the ratio of the one or two or more notional principals and the assumption. The principal application interest rate and the notional principal application period are memorized, and the loan repayment amount calculation unit calculates the loan of the notional principal according to the ratio of the memorized one or more notional principals and the notional principal application period. The interest may be applied in place of loan interest based on a predetermined interest rate.

  The above-mentioned notional principal ratio setting section sets one or more notional principals, which is the amount of the loan principal, and the notional principal storage section stores the one or two or more notional principal amounts and the notional principal application interest rate. And the notional principal application period, and the loan repayment amount calculation unit determines in advance the memorized ratio of one or more notional principals and the notional principal loan interest according to the notional principal application period. It may be applied in place of loan interest based on the determined interest rate.

  When the applicable interest rate of the loan principal is a floating interest rate, the assumed principal ratio setting section sets the ratio or amount of the assumed principal that is a fixed interest rate and the fixed interest rate application period, and the loan repayment amount calculation section You may make it apply the loan interest of the notional principal calculated | required from the ratio or amount of principal, and the application period of a fixed interest rate instead of the loan interest based on a predetermined floating interest rate.

  When the ratio of the assumed principal is reduced during the application period of the fixed interest rate, a fee setting unit for collecting a predetermined fee may be further provided.

  If the applicable interest rate of the loan principal is a fixed interest rate, the assumed principal ratio setting section applies the assumed principal amount ratio and amount and the notional principal amount that is a fixed interest rate that is different from the application period of the loan principal The loan repayment amount calculation unit sets the fixed interest rate for the notional principal loan interest obtained from the notional principal ratio or amount, the notional principal application interest rate, and the notional principal application period. You may make it apply instead of the loan interest based on.

  If the applicable interest rate of the loan principal is changed to a floating interest rate during the fixed interest rate application period, a fee setting unit for collecting a predetermined fee may be further provided.

  When the application period of the loan principal is changed during the application period of the fixed interest rate, a fee setting unit for collecting a predetermined fee may be further provided.

  In order to solve the above problems, according to another aspect of the present invention, a loan principal setting process for setting a loan principal by using a computer; and a desired ratio or amount of the loan principal is determined. An assumed principal ratio setting process for setting an assumed principal application interest rate and an assumed principal application period for the assumed principal and setting the assumed principal ratio; an assumed principal ratio set by the assumed principal ratio setting unit A notional principal storage process that stores the percentage or amount of the notional amount, the notional principal interest rate and the notional principal application period; and the stored notional principal application period that is part of the loan repayment period. A loan repayment amount calculation process in which the loan interest of the notional principal obtained from the principal applicable interest rate and the memorized notional principal application period is applied in place of the loan interest based on a predetermined interest rate. Characterized by Computer program is provided.

  As described above, according to the present invention, the usage rate and application period of the interest type of the loan principal can be arbitrarily set, so that different interest types can be applied to the loan principal in combination. Can do. It is also possible to reduce or cancel the usage rate of fixed interest rates once set with a fee less than the refinancing fee.

  Hereinafter, preferred embodiments of the present invention will be described in detail with reference to the accompanying drawings. In the present specification and drawings, components having substantially the same functional configuration are denoted by the same reference numerals, and redundant description is omitted.

<1. Description of First Embodiment>
In the first embodiment, the loan management system according to the present invention is applied to a loan management system 10 in which a communication terminal that allows a user to input and set a loan interest rate and a loan management applicable interest rate management server can communicate via a network. I will explain.

<2. Overview of loan management system>
First, the outline | summary of the loan management system 10 concerning 1st Embodiment is demonstrated. The communication terminal 100 included in the loan management system 10 transmits the original contract information including the set loan principal to the loan management application interest rate management server 200. In addition, the communication terminal 100 sets an applicable interest rate and an application period for the assumed principal as a desired ratio or amount of the loan principal, and sets information on the assumed principal as a loan application interest rate. It transmits to the management server 200.

  The loan applicable interest rate management server 200 that has received the original contract information and the assumed principal information calculates the loan interest by the swap transaction based on the original contract information and the assumed principal information. The calculated loan repayment amount is transmitted to the communication terminal 100 and displayed. The swap transaction will be described in detail later. In the notional principal application period, which is part of the loan principal repayment period, the swap transaction is based on the assumed notional principal interest rate and the notional principal application period. The required loan interest can be applied in place of loan interest based on a predetermined interest rate. The notional principal is a principal used for nominal purposes to calculate the interest paid on the loan principal, and only changes the method for paying the interest on the loan principal while maintaining the original contract information on the loan principal. Is possible.

  The loan principal set by the communication terminal 100 may be stored in advance in a storage device provided in the loan management application interest rate management server 200.

  In the first embodiment, a request from the communication terminal 100 is transmitted to the loan applicable interest rate management server 200 via the network 300, and the assumed principal in which the loan applicable interest rate management server 200 is set is stored and stored. The interest payment is calculated according to the book. For example, if the communication terminal 100 is provided at the user's home or the like, and the loan applicable interest rate management server 200 is provided at the bank, it is possible to set or change the notional amount at any time without going to the bank window. Become.

<3. Overall configuration of loan management system>
Next, the overall configuration of the loan management system 10 according to the present embodiment will be described with reference to FIG. FIG. 1 is an overall configuration diagram of a loan management system 10 according to the present embodiment. The loan management system 10 includes a communication terminal 100, a loan applicable interest rate management server 200, a network 300, and the like. Note that a plurality of communication terminals 100 may be provided, and each communication terminal may be connected to the loan management applicable interest rate management server 200 via the network 300.

  The communication terminal 100 sets a loan principal according to a user input. In addition, a desired ratio or amount of the loan principal is assumed as an assumed principal, and an applicable interest rate and an application period for the assumed principal are set according to user input. Furthermore, it has a function of transmitting the original contract information including the set loan principal and the assumed principal information to the loan management applied interest rate management server 200. The communication terminal 100 can be composed of, for example, a computer device such as a personal computer (whether a notebook type or a desktop type), a PDA (Personal Digital Assistant), or the like.

  Here, the assumed principal is the ratio of the amount to the loan principal or the amount to the loan principal. As for the assumed principal, all of the loan principal may be set or a part of the loan principal may be set. Further, a plurality of assumed principals can be set for one loan principal, and different applicable interest rates and application periods may be set for each assumed principal.

  Further, when the assumed principal is the ratio of the amount to the loan principal, the loan principal is set to 100%, and the sum of the ratio of the amount to the loan principal is set to 100% or less. For example, assuming that the loan principal amount is 100%, the assumed principal 1 is 30% of the loan principal amount, the assumed principal 2 is 20% of the loan principal amount, and the assumed principal 3 is the loan principal amount Therefore, different applicable interest rates and application periods can be set for the assumed principals 1 to 3 respectively.

  When the assumed principal is the amount for the loan principal, the total amount of the assumed principal is set to be less than or equal to the amount of the loan principal. For example, assuming that the loan principal amount is 10 million yen, the assumed principal 1 is set to 3 million yen, the assumed principal 2 is set to 2 million yen, the assumed principal 3 is set to 1 million yen, and the assumed principals 1 to 3 are set. Different application interest rates and application periods can be set for each.

  This makes it possible to apply different interest rate types to one loan principal. For example, it is possible to use a variable interest rate and a fixed interest rate together for one loan principal, or to use a plurality of fixed interest rates with different application periods. For example, if the applicable interest rate of the loan principal is a floating interest rate when the loan is contracted, the fixed interest rate can be used in combination with the variable interest rate by making the applicable interest rate of the notional principal a fixed interest rate. Furthermore, by setting multiple notional principals and setting fixed interest rates with different application periods, it is possible to use multiple fixed interest rates with different variable interest rates and different periods for one loan principal. . In addition, if the applicable interest rate of the loan principal is a fixed interest rate when the loan is contracted, the applicable interest rate of the notional principal may be a variable interest rate, or a fixed interest rate that is different from the applicable interest rate of the loan principal may be set. Can do.

  The loan applicable interest rate management server 200 calculates loan interest according to the original contract information set by the communication terminal 100 and the assumed principal information, and transmits the loan repayment amount to the communication terminal 100. The original contract information and the assumed principal information are stored in the storage device, and the stored original contract information and / or the assumed principal information are transmitted to the communication terminal 100 in response to a request from the communication terminal 100. When changing the ratio of notional principal to which a fixed interest rate is applied or changing the period of application of a fixed interest rate, a fee is set based on the stored original contract information and / or notional principal information. . The setting of such a fee will be described later.

  Accordingly, the user can change the interest rate type or change the set ratio during the application period of the fixed interest rate without performing a troublesome procedure such as refinancing.

  The network 300 is a communication network that connects the communication terminal 100 and the loan application interest rate management server 200 so as to be capable of bidirectional communication. The network 300 includes, for example, a public line network such as the Internet, a telephone line network, and a satellite communication network, a dedicated line network such as a WAN, LAN, and IP-VPN, and may be wired or wireless.

  The overall configuration of the loan management system 10 has been described above. Next, in order to facilitate understanding of the present invention, an outline of the swap transaction in the present embodiment will be described based on FIG.

<4. Overview of swap transactions>
FIG. 2 is an explanatory diagram for explaining the outline of the swap transaction in the present embodiment. As described above, the interest on the loan, which is determined from the set notional principal interest rate and the notional principal application period, in the notional principal application period that becomes part of the loan principal repayment period, It becomes possible to apply in place of loan interest based on a predetermined interest rate. The notional amount is the principal used for nominal purposes to calculate the interest paid on the loan principal. In the present embodiment, by setting the assumed principal, it becomes possible to change the interest payment method of the loan principal without changing the original contract information of the loan principal.

  FIG. 70 of FIG. 2 is a diagram for explaining a general loan payment method. FIG. 70 illustrates an example of a mortgage in which a variable interest rate is applied to the loan principal at the time of contract. The user 702 borrows a mortgage loan from the bank 704 (710). A floating interest rate is applied to the interest rate of the loan principal at 710 when borrowing a mortgage. The user 702 makes a principal payment 712 and an interest payment 714 on a predetermined date.

  Next, a method for paying a loan when an assumed principal is set (description FIG. 80) will be described. As in the case where no notional principal is set, the user 802 borrows a mortgage loan from the bank 804 (810), and the user 802 pays the principal (812) and the interest on the predetermined date. Make payment (814). The user 802 uses a desired ratio of loan principal as an assumed principal and sets a fixed interest rate application period for the assumed principal. As described above, the notional amount is a notional amount used for nominal purposes to calculate interest expense. The bank 804 pays the user 802 interest for a variable interest rate corresponding to the ratio of the assumed principal (816). Then, the user 802 pays the bank 804 interest according to the set fixed rate application period (818).

  The user 802 receives the interest paid with the variable interest rate corresponding to the assumed principal from the bank 804, so that the assumed principal of the loan principal is substantially paid only with the fixed interest rate. . In this way, the exchange of interest on interest on a loan principal with interest on interest different from the interest on the loan principal is called swap transaction. This makes it possible to partially change the interest payment method while maintaining the interest rate type of the loan principal.

  The user 802 can change the interest payment method for a part of the loan principal by setting the assumed principal after setting the interest rate of the loan principal to the variable interest rate at the time of the contract. Furthermore, by setting a plurality of assumed principals and applying a fixed interest rate with a different application period to each assumed principal, it becomes possible to select a plurality of interest payment methods.

  For example, the floating rate is usually lower than the fixed rate, so the floating rate is used when borrowing a loan. When a floating interest rate is applied to a loan principal, the amount of repayment increases during the period of rising interest rates, so it is normal for a loan user to avoid the risk by changing the interest rate of the loan principal to a fixed interest rate. is there. The loan user must select whether the interest rate is variable or fixed for all loan principals at the time of borrowing, or what the application period is for fixed interest rates.

  On the other hand, in the loan management system according to the present embodiment, as described above, a variable interest rate and a fixed interest rate can be used for a loan principal, and a plurality of fixed interest rates with different application periods can be set. Is possible. Thereby, the loan user can set the payment method of the loan according to the interest rate level from time to time. Further, since the setting of the loan principal at the time of the contract remains unchanged, there is no need for troublesome office procedures and refinancing with a fee, and the convenience of the user is increased.

  The swap transaction has been described above. Next, functional configurations of the communication terminal 100 and the loan applicable interest rate management server 200 will be described with reference to FIG.

<5. Functional configuration of communication terminal and loan applicable interest rate management server>
FIG. 3 is a functional configuration diagram of the communication terminal 100 and the loan applicable interest rate management server 200. As described above, the communication terminal 100 and the loan application interest rate management server 200 are information processing devices that can communicate bidirectionally via the network 300.

  The communication terminal 100 includes a loan principal setting unit 102, a loan setting content display unit 104, an assumed principal ratio setting unit 106, a loan repayment amount display unit 108, a fee display unit 110, and an original contract transmission unit 112. , A loan setting content receiving unit 114, an assumed principal rate transmitting unit 116, a loan repayment amount receiving unit 118, a fee receiving unit 120, and the like.

  The loan principal setting unit 102 is an interface unit that accepts a loan principal setting input to which a user-desired interest rate is applied. The interest rate type applied to the loan principal setting unit 102 may be a floating interest rate or a fixed interest rate. If the interest rate type is a fixed interest rate, the fixed interest rate application period is also entered. The loan principal information setting unit 102 receives loan principal information, contract number, account number, contract time, and the like. Information such as the loan principal input to the loan principal setting unit 102 is provided to the original contract information transmission unit 112.

  The original contract transmission unit 112 is a communication interface configured by, for example, a communication line, a communication circuit, a communication device, and the like, and information such as the loan principal provided by the loan principal setting unit 102 is used as the loan application interest rate management server 200. Send to.

  Information such as the loan principal set by the user at the time of the loan contract may be input by the loan principal setting unit 102 and transmitted to the loan applicable interest rate management server 200, or the loan principal or the like previously set by the user May be stored in the storage device of the loan application interest rate management server 200.

  The loan setting content receiving unit 114 is a communication interface configured by, for example, a communication line, a communication circuit, a communication device, and the like, and the loan contract information stored in the loan application interest management server 200 is used as the loan application interest management server. 200 is provided to the loan setting content display unit 104.

  The loan setting content display unit 104 includes a display device such as a liquid crystal display and an interface unit that displays data on the display device, and has a function of displaying loan contract information and the like on the display device. The loan contract information or the like displayed on the loan setting content display unit 104 may be displayed after information such as the loan principal is stored in the loan application interest rate management server 200, or in response to a user input. The loan contract information or the like may be displayed. The user can confirm the loan contract status and the like by confirming the loan contract information displayed on the loan setting content display unit 104.

  The assumed principal rate setting unit 106 is an interface unit that receives the assumed principal rate set by the user input. As described above, a desired ratio of the loan principal is set as an assumed principal, an applicable interest rate and an application period of the assumed principal are set, and input to the assumed principal ratio setting unit 106. Information on the assumed principal rate input to the assumed principal rate setting unit 106 is provided to the assumed principal rate transmission unit 116.

  The assumed principal rate transmission unit 116 is a communication interface composed of, for example, a communication line, a communication circuit, a communication device, and the like. The assumed principal rate information provided by the assumed principal rate setting unit 106 is used as the loan application interest rate. It transmits to the management server 200.

  The loan repayment amount receiving unit 118 is a communication interface composed of, for example, a communication line, a communication circuit, a communication device, etc., and receives the loan repayment amount calculated by the loan application interest rate management server 200 and receives the received loan repayment. The amount is provided to the loan repayment amount display unit 108.

  The loan repayment amount display unit 108 includes a display device of a liquid crystal display and an interface unit that displays data on the display device, and has a function of displaying the loan repayment amount provided from the loan repayment amount reception unit 118.

  The fee receiving unit 120 is, for example, a communication interface configured by a communication line, a communication circuit, a communication device, and the like. The fee receiving unit 120 receives a fee calculated by the loan applicable interest rate management server 200 and displays the received fee as a fee display unit 110. To provide.

  The fee display unit 110 includes a display device of a liquid crystal display and an interface unit that displays data on the display device, and has a function of displaying a fee provided by the fee receiving unit 120.

  Here, the fee is a predetermined calculation when reducing the percentage of notional principal to which a fixed interest rate is applied during the fixed interest rate application period, or when changing the loan principal to which a fixed interest rate is applied to a floating interest rate. This is the amount calculated by the loan applicable interest rate management server 200 based on the formula. The fee calculation method will be described in detail later.

  The loan setting content display unit 104, the loan repayment amount display unit 108, and the loan setting content displayed by the fee display unit 110, the loan repayment amount, the fee, and the like may be simultaneously displayed on one display unit.

  The functional configuration of the communication terminal 100 has been described above. Next, the functional configuration of the loan applicable interest rate management server 200 will be described. The loan applicable interest rate management server 200 includes an original contract information receiving unit 202, a loan setting content transmitting unit 204, an assumed principal ratio receiving unit 206, a loan repayment amount transmitting unit 208, a fee transmitting unit 210, and a loan original contract. Storage unit 212, loan setting content reading unit 214, assumed principal storage unit 216, loan repayment amount calculation unit 218, fee setting unit 220, loan original contract information DB 222, assumed principal information DB 224, interest rate A management DB 226 is provided.

  The original contract receiving unit 202 is a communication interface composed of, for example, a communication line, a communication circuit, a communication device, and the like. Provided to the contract storage unit 212.

  The loan original contract storage unit 212 stores the loan original contract information provided from the loan original contract reception unit 202 in the loan original contract information DB 222. The original loan contract information stored in the original loan contract information DB 222 can be uniquely identified by the contract number, the account number, etc. at the time of the loan contract. As described above, the loan original contract information is information such as a loan principal set at the time of loan contract. When the interest rate type of the loan is changed after the loan contract, the interest rate type stored in the loan original contract information DB 222 is changed.

  The assumed principal rate reception unit 206 is a communication interface configured with, for example, a communication line, a communication circuit, a communication device, and the like, and receives information on the assumed principal rate from the assumed principal rate transmission unit 116 provided in the communication terminal 100. . Then, the received notional amount information is provided to the notional amount storage unit 216.

  The assumed principal storage unit 216 stores the assumed principal information provided from the assumed principal ratio reception unit 206 in the assumed principal information DB 224. The assumed principal information stored in the assumed principal information DB 224 can be uniquely identified by the contract number, the account number, the assumed principal serial number, etc. at the time of the loan contract. In addition, the assumed principal storage unit 216 stores the assumed principal in the assumed principal information DB in response to a request from the communication terminal 100, so that the assumed principal setting information is converted into the loan repayment amount calculation unit 218 and the fee setting unit. 220 is notified.

  As shown in FIG. 4, the assumed principal information DB 224 includes a loan contractor account number 2240, a loan contract number 2241, a set assumed principal serial number 2242, an assumed principal set date 2243, an assumed principal Ratio 2244, interest rate 2245, interest type application date 2246, interest rate application start date 2247, interest rate type 2248, which is the assumed principal interest rate type, application period 2249, which is the application period of the assumed principal It includes data such as an application period end date 2250 that is an application period end date of the interest rate. Here, the interest rate 2246 may include a preferential interest rate for each loan contractor. For example, even if the application period of the same fixed interest rate is set, different application interest rates may be set depending on the loan contractor.

  Returning to FIG. 2, when the loan principal is set or changed, the loan setting content reading unit 214 stores the loan original contract information DB 222 and / or the assumed principal information DB 224 when the assumed principal is set or changed. The stored loan setting content is read and provided to the loan setting content transmission unit 204. Here, the setting contents of the loan are information on the original contract of the loan, information on the assumed principal of the loan, and the like. Further, the loan setting content reading unit 214 may read the loan setting content in accordance with a user input.

  The loan setting content transmission unit 204 is a communication interface configured by, for example, a communication line, a communication circuit, a communication device, and the like. The loan setting content provided by the loan setting content reading unit 214 is provided in the communication terminal 100. It is transmitted to the content receiver 114.

  The loan repayment amount calculation unit 218 calculates the loan repayment amount by being notified of the setting information of the assumed principal by the assumed principal storage unit 216. Specifically, the loan interest of the original contract, the assumed principal principal interest rate stored in the notional principal information DB and the assumed principal loan interest period, and the notional principal interest rate The loan repayment amount is calculated from the loan interest based on the interest rate of the original contract according to the ratio. When calculating the loan repayment amount, the above-described swap transaction is performed by exchanging the loan interest of the assumed principal and the loan interest of the original contract corresponding to the ratio of the assumed principal. Further, when calculating the loan repayment amount, the loan repayment amount may be calculated by referring to the interest rate for each interest rate type stored in the interest rate management DB 226. The method for calculating the loan repayment amount will be described in detail later.

  The loan repayment amount transmission unit 208 is a communication interface composed of, for example, a communication line, a communication circuit, a communication device, and the like. The loan repayment amount provided by the loan repayment amount calculation unit 218 is received by the communication terminal 100 as a loan repayment amount. To the unit 118.

  The interest rate management DB 226 is a storage device that stores a loan interest rate, and stores a loan interest rate for each interest rate type of the loan. Further, when the interest rate type of the loan interest rate is a fixed interest rate, the loan interest rate for each fixed period is stored. The loan interest rate stored in the interest rate management DB 226 is an interest rate uniquely determined by the applicable interest rate and the application period.

  Based on the notification of the assumed principal storage unit 216, the fee setting unit 220 reduces the ratio of the assumed principal to which the fixed interest rate is applied during the fixed interest rate application period, or the loan originator to which the fixed interest rate is applied. The fee is calculated when the applicable interest rate for gold is a variable interest rate or when the fixed interest rate is changed. The fee calculation method will be described in detail later. The fee calculated by the fee setting unit 220 is provided to the fee transmission unit 210.

  The fee transmission unit 210 is a communication interface configured by, for example, a communication line, a communication circuit, a communication device, and the like, and transmits the fee provided by the fee setting unit 220 to the fee reception unit 120 provided in the communication terminal 100.

  The functional configuration of the loan application interest rate management server 200 has been described above. Next, a second embodiment of the loan management system will be described based on FIG.

<6. Description of Second Embodiment>
In the second embodiment, the user can set and input the original contract information including the loan principal, and the loan repayment is performed according to the information of the assumed principal with a desired ratio or amount of the loan principal as an assumed principal. Description will be made by applying the loan application interest rate management device 500 of the present invention to the loan application interest rate management device 500 capable of calculating the amount.

<7. Functional configuration of loan-applicable interest rate management device>
FIG. 5 is a functional configuration diagram of the loan applicable interest rate management device 500. As shown in FIG. 5, the loan applicable interest rate management apparatus 500 includes a loan principal setting unit 102, a loan setting content display unit 104, an assumed principal ratio setting unit 106, a loan repayment amount display unit 108, a fee Display unit 110, loan original contract storage unit 212, loan setting content reading unit 214, assumed principal storage unit 216, loan repayment amount calculation unit 218, fee setting unit 220, loan original contract information DB 222, An assumed principal information DB 224 and an interest rate management DB 226 are provided.

  The loan principal setting unit 102, the loan setting content display unit 104, the assumed principal ratio setting unit 106, the loan repayment amount display unit 108, and the fee display unit 110 are provided in the communication terminal 100 according to the first embodiment. Since it has almost the same function as that to be provided, the same reference numerals are given and description thereof is omitted.

  The loan original contract storage unit 212, the loan setting content reading unit 214, the assumed principal storage unit 216, the loan repayment amount calculation unit 218, the fee setting unit 220, the loan original contract information DB 222, and the assumed principal Since the information DB 224 and the interest rate management DB 226 have substantially the same functions as those provided in the loan application interest rate management server according to the first embodiment, description thereof is omitted by attaching the same reference numerals.

  In the second embodiment, information on the assumed principal input to the loan applicable interest rate management device 500 can be stored in a storage device provided in the loan applicable interest rate management server. Further, the loan repayment amount and the fee can be calculated from the information of the assumed principal stored in the loan applicable interest rate management device 500. Thereby, it becomes possible to calculate the loan repayment amount according to the information of the assumed principal, etc. without going through the network. For example, if a loan application interest rate management server 500 is provided at a bank window, it is possible to quickly set an assumed principal and calculate a loan repayment amount in response to a request from a user visiting the window. .

  The functional configuration of the loan application interest rate management server 500 has been described above. Next, a loan repayment amount calculation method in the loan repayment amount calculation unit 218 will be described with reference to FIG.

<8. Explanation of loan repayment calculation method>
FIG. 6 is a flowchart for explaining a method of calculating the loan repayment amount. First, the repayment amount of the original contract is calculated based on the original contract information of the loan stored in the loan original contract information DB 222 (S102). For example, if the applicable interest rate of the loan principal at the time of contract is a floating interest rate, the interest on the loan principal is calculated according to the floating interest rate. Repayment of the original contract is obtained by adding the interest of the loan principal to the loan principal.

  Next, it is determined by referring to the assumed principal information DB whether or not the assumed principal is set for the corresponding loan principal (S104). In step 104, when the assumed principal is not set, the process is terminated. In this case, the repayment amount of the original contract becomes the loan repayment amount.

  If it is determined in step 104 that the assumed principal is set, the loan interest of the assumed principal is calculated for each set assumed principal (S106). Notional principal loan interest is calculated according to the interest rate type and period of application for each notional principal. Then, the sum of the notional principal interest obtained in step 106 is calculated (S108).

  Next, the loan interest of the original contract with respect to the set ratio of the assumed principal is calculated (S110). For example, if a floating interest rate is set for the loan principal of the original contract, the interest payment method can be changed with the applicable interest rate of the assumed principal as a fixed interest rate. If the loan principal amount is 100% and the ratio of the notional principal amount with the fixed interest rate applied is 40% of the loan principal amount, then the loan interest calculated in step 110 is the loan principal It is calculated by multiplying 40% of gold by the interest rate of floating interest rate.

  Finally, the repayment amount of the original contract obtained in step S102, the total loan interest of the assumed principal obtained in step S108, and the loan interest of the original contract with respect to the ratio of the assumed principal obtained in step S110 From this, the next repayment amount is calculated (S112).

  The repayment amount of the original contract obtained in step S102 is A, the total of the notional principal loan interest obtained in step S108 is B, and the original contract loan interest to the ratio of the notional principal obtained in step S110 If C is C, the next repayment amount obtained in step S112 is obtained by “A + B−C”. As described above, the loan interest is exchanged by the calculation formula “BC” and the swap transaction is performed.

  The method for calculating the loan repayment amount has been described above. Next, a fee calculation method calculated by the fee setting unit 220 will be described.

<9. Explanation of fee calculation method>
FIG. 7 is a flowchart for explaining a fee calculation method. First, it is determined whether the interest rate type applied to the assumed principal is a floating interest rate (S202). If it is determined in step 202 that the interest rate type is a variable interest rate, no fee is generated (S214).

  If it is determined in step S202 that the interest rate type applied to the notional principal is a fixed interest rate, the currently applied fixed interest rate (first loan interest rate) is acquired from the interest rate management DB 226. (S204). Next, the remaining period of the fixed interest rate is calculated (S206). Then, a loan interest rate (second loan interest rate) corresponding to the remaining period calculated in step S206 is acquired from the interest rate management DB 226 (S208).

  For example, if the fixed interest rate is the applicable interest rate and the notional value setting with a 10-year application period is changed to the sixth year of the application period, the remaining period will be 4 years. The first loan interest rate obtained in step S204 is the loan interest rate when the assumed principal is set. Further, the second loan interest rate obtained in step S208 is a loan interest rate obtained from the change time at the notional amount and the remaining period.

  Next, it is determined whether or not the first loan interest rate obtained in step S204 is smaller than the second loan interest rate obtained in step S208 (S210). If it is determined that the first loan interest rate is smaller than the second loan interest rate, no fee is generated (S214).

  If it is determined in step S210 that the first loan interest rate is greater than the second loan interest rate, a fee is generated (S212). The fee generated in step S212 is determined according to the difference between the first loan interest rate and the second loan interest rate.

  This completes the description of the fee calculation method. Next, a display screen displayed on the display device provided in the communication terminal 100 of the first embodiment or the loan application interest rate management device 500 of the second embodiment will be described with reference to FIGS.

<10. Explanation of display screen>
In the description of the display screens of FIGS. 8 to 12, the case where the applicable interest rate of the loan principal at the time of the contract is a variable interest rate and the applicable interest rate of the assumed principal is a fixed interest rate will be described as an example. A partial fixed interest rate that partially sets a fixed interest rate with respect to a desired ratio of loan principal with a variable interest rate as an applicable interest rate will be described below as an example of an assumed principal of the present invention.

  As shown in FIG. 8, the display screen 600 is an example of a screen in which the information on the original contract stored in the original contract information DB 222 is read and displayed in response to a user input. The display screen 600 displays the loan principal borrowing date, final repayment date, applicable interest rate, monthly repayment date, and the like for each loan contract. The user selects either the selection button 601 of the contract number 001 or the selection button 602 of the contract number 002, and determines the loan principal for setting the partial fixed interest rate. For example, when the selection button 601 is selected and the selection button 603 is further pressed, the display screen 610 of FIG. 9 is displayed. A display screen 610 is an example of a screen that displays details of the setting contents of the loan principal of contract number 001. For example, if a partial fixed interest rate has already been set for the loan principal with the contract number 001, the setting content of the partial fixed interest rate and the loan repayment amount are displayed.

  A display screen 620 in FIG. 10 is a display example of a screen for setting or changing the partial fixed interest rate. The user can change the setting ratios 621 to 623 of the partial fixed interest rate displayed on the display screen 621 or add a new partial fixed interest rate. When a new partial fixed interest rate is added, the ratio of the partial fixed interest rate is set in the selection field 624, and the application period for the ratio of the partial fixed interest rate selected in the selection field 624 is set in the selection field 625. When the change button 626 is pressed after setting the partial fixed interest rate, the display screen example 630 in FIG. 11 is displayed.

  In the display screen example 630 of FIG. 11, the changed partial fixed interest rate setting contents 631, 632, the fee 633 generated by changing the partial fixed interest rate setting contents, and the like are displayed. Furthermore, the display screen example 640 of FIG. 12 is displayed, and the current variable interest rate 641, the changed partial fixed interest rate setting contents, the interest rates 642 to 644 for each fixed interest rate, the loan repayment amount 645 after the change, and the like are displayed. The When the change confirmation button 646 is pressed by the user who confirms the setting content of the partial fixed interest rate and the loan repayment amount after the setting change on the display screen of the display screen example 640, the change content of the set partial fixed interest rate is assumed It is stored in this information DB 224.

  Here, the application start date of the partial fixed interest rate newly set by the user may be the date when the setting input is performed, or the next day after the input is performed may be the application start date. The application start date may be specified by the user.

  Next, a screen display example when changing the interest rate type will be described with reference to FIGS. A screen display example 650 in FIG. 13 is an example in which the loan original contract information stored in the loan original contract information DB is displayed. The user selects either the selection button 651 of the contract number 001 or the selection button 652 of the contract number 002 to determine the loan original contract whose interest type is to be changed. When the selection button 653 is pressed by the user, a display screen example 660 in FIG. 14 is displayed.

  In the display screen 660 of FIG. 14, the details of the contract contents of the loan original contract selected by the user in FIG. 13 are displayed, and the interest rate type of the loan principal is changed by selecting the selection buttons 661, 662. be able to. For example, when the interest rate type of the loan principal is a fixed interest rate with a fixed period of 5 years, the selection button 662 can be selected to select a fixed interest rate, and the fixed period selection unit 663 can select a fixed period of 2 years. When the change button 665 is pressed, the display screen 670 shown in FIG. 15 is displayed.

  In the display screen 670 of FIG. 15, a change content 671 selected by the user on the display screen 660 and a fee 672 corresponding to the change content of the interest rate type are displayed. If a fixed interest rate is set on the loan principal and the interest rate type is changed or the application period is changed during the application period of the fixed interest rate, a fee corresponding to the above-described fee calculation method is incurred. The user can determine whether or not to change the interest rate type by checking the interest rate type and the fee 672 generated by changing the application period of the interest rate type on the display screen 670.

  In addition, in the repayment condition 673 after changing the interest rate type, the monthly loan repayment amount can be confirmed. Then, when the user presses the change decision button 675, the interest rate type of the original contract stored in the loan original contract information is changed.

  As described above, a loan user can easily change the interest type of a loan that has been borrowed by simply selecting the interest rate type displayed on the display screen or selecting the proportion of the partial fixed interest rate. Different interest rate types can be used together. As a result, troublesome office procedures and contracts are not created every time the interest rate type is changed, and the convenience of the user is increased.

  In addition, since the setting of the loan principal at the time of the contract can be left unchanged, only the interest payment method can be changed, so there is no need to refinance at another financial institution to change the interest type. As a result, in addition to the convenience for the user, it is possible to prevent the user from using another financial institution, so that the profit of the financial institution can be improved.

  As mentioned above, although preferred embodiment of this invention was described referring an accompanying drawing, it cannot be overemphasized that this invention is not limited to the example which concerns. It will be apparent to those skilled in the art that various changes and modifications can be made within the scope of the claims, and these are of course within the technical scope of the present invention. Understood.

  In the above-described embodiment, the loan original contract storage unit that stores the original contract information of the loan and the assumed principal storage unit that stores the assumed principal are provided in one information processing apparatus. It is not limited to. For example, the loan original contract storage unit and the assumed principal storage unit may be stored in different information processing apparatuses. In this case, it is possible to manage only the interest payment method by setting an assumed principal for loan principals borrowed by other financial institutions.

  The present invention is applicable to a loan management system, a loan application interest rate management server, a loan application interest rate management device, and a computer program.

1 is an overall configuration diagram of a loan management system according to a first embodiment of the present invention. It is explanatory drawing explaining the outline | summary of the swap transaction concerning the embodiment. It is a functional block diagram of the communication terminal and loan application interest rate management server concerning the embodiment. It is explanatory drawing which shows the content of notional principal information DB concerning the embodiment. It is a functional block diagram of the loan application interest rate management apparatus concerning the 2nd Embodiment of this invention. It is a flowchart explaining the calculation method of the loan repayment amount concerning the 1st and 2nd embodiment of this invention. It is a flowchart explaining the calculation method of the fee concerning the embodiment. It is an example of a screen display concerning the embodiment. It is an example of a screen display concerning the embodiment. It is an example of a screen display concerning the embodiment. It is an example of a screen display concerning the embodiment. It is an example of a screen display concerning the embodiment. It is an example of a screen display concerning the embodiment. It is an example of a screen display concerning the embodiment. It is an example of a screen display concerning the embodiment.

Explanation of symbols

DESCRIPTION OF SYMBOLS 100 Communication terminal 102 Loan principal setting part 106 Assumed principal ratio setting part 200 Loan application interest rate management server 216 Assumed principal storage part 218 Loan repayment amount calculation part 220 Fee setting part 500 Loan application interest management apparatus

Claims (21)

In a loan management system having a loan applicable interest rate management server and a communication terminal connectable to the loan applicable interest rate management server via a network:
The communication terminal is
A loan principal setting unit for accessing the loan applicable interest rate management server and setting a loan principal;
Access the loan applicable interest rate management server, set any desired percentage or amount of the loan principal as the assumed principal, and assume the assumed principal applicable interest rate and the assumed principal for the assumed principal An assumed principal ratio setting section for setting an application period;
The loan applicable interest rate management server
Of the loan principal, the ratio or amount of the assumed principal set by the communication terminal, the assumed principal application interest rate, and the assumed principal application period are stored in response to a request from the communication terminal A notional principal storage unit;
In the memorized notional principal application period that is part of the loan repayment period, the loan interest of the notional principal calculated from the memorized notional principal application interest rate is the loan interest based on a predetermined interest rate. A loan repayment amount calculation unit to be applied instead of;
A loan management system characterized by comprising: Either a desired percentage or amount of loan principal is assumed as notional principal, and a communication terminal capable of setting an assumed principal applicable interest rate and an assumed principal application period for the assumed principal, and a network A loan application interest rate management server connected to
Of the loan principal, the ratio or amount of the assumed principal set by the communication terminal, the assumed principal application interest rate, and the assumed principal application period are stored in response to a request from the communication terminal A notional principal storage unit;
In the memorized notional principal application period that is part of the loan repayment period, the loan interest of the notional principal calculated from the memorized notional principal application interest rate is the loan interest based on a predetermined interest rate. A loan repayment amount calculation unit to be applied instead of;
A loan-applicable interest rate management server.   The assumed principal storage unit stores a ratio of one or more assumed principals set by the communication terminal, the assumed principal application interest rate, and the assumed principal application period, and the loan repayment amount calculation unit Applies the loan interest of the notional principal according to the ratio of the one or more memorized notional principals and the notional principal application interest rate in place of the loan interest based on a predetermined interest rate. The loan applicable interest rate management server according to claim 2, characterized in that it is a feature.   The assumed principal storage unit stores an amount of one or more assumed principals set by the communication terminal, the assumed principal application interest rate, and the assumed principal application period, and the loan repayment amount calculation unit Applies the loan interest of the notional principal according to the ratio of the one or more memorized notional principals and the notional principal application interest rate in place of the loan interest based on a predetermined interest rate. The loan applicable interest rate management server according to claim 2, characterized in that it is a feature. If the interest rate type of the loan principal is a floating interest rate,
The assumed principal storage unit stores a ratio or amount of an assumed principal that is a fixed interest rate set by the communication terminal, a fixed interest rate application period, and an applicable interest rate.
The loan repayment amount calculation unit calculates the loan interest of the notional principal obtained from the ratio or amount of the notional principal and the notional principal applicable interest rate of a fixed interest rate, based on the interest rate of the fixed floating interest rate. 3. The loan application interest rate management server according to claim 2, wherein the loan application interest rate management server is applied instead of.   The loan application interest rate management server according to claim 5, further comprising a fee setting unit that collects a predetermined fee when the ratio of the assumed principal is reduced during a fixed interest rate application period. If the interest rate type of the loan principal is a fixed interest rate,
The assumed principal storage unit includes a ratio or amount of an assumed principal that is a variable interest rate and / or a fixed interest rate set by the communication terminal, an assumed principal application period, an assumed principal amount of the variable interest rate and / or a fixed interest rate. Remember the applicable interest rate,
The loan repayment amount calculation unit has predetermined loan interest of the notional principal determined from the ratio or amount of the notional principal and the interest rate of the notional principal applicable interest rate of the variable interest rate and / or the fixed interest rate. 3. The loan application interest rate management server according to claim 2, wherein the loan application interest rate management server is applied in place of a loan interest based on a fixed interest rate.   The loan application according to claim 7, further comprising a fee setting unit that collects a predetermined fee when the interest rate type of the loan principal is changed to a variable interest rate during a fixed interest rate application period. Interest rate management server.   [8] The method according to claim 7, further comprising a fee setting unit that collects a predetermined fee when the applicable interest rate and / or application period of the loan principal is changed during the application period of the fixed interest rate. Loan application interest rate management server. A loan principal setting section for setting a loan principal;
Estimated principal ratio setting that sets either the desired percentage or amount of the loan principal as an assumed principal, and sets the assumed principal applicable interest rate and the assumed principal application period for the assumed principal Part,
An assumed principal storage unit for storing the assumed principal ratio or amount, the assumed principal application interest rate, and the assumed principal application period set by the assumed principal ratio setting unit;
In the memorized notional principal application period that is part of the loan repayment period, the loan interest of the notional principal calculated from the memorized notional principal application interest rate is the loan interest based on a predetermined interest rate. A loan repayment amount calculation unit to be applied instead of;
A loan application interest rate management device characterized by comprising: The notional principal ratio setting unit sets one or two or more notional principals, which is a ratio of the amount to the loan principal,
The assumed principal storage unit stores a ratio of one or more assumed principals, the assumed principal application interest rate, and the assumed principal application period,
The loan repayment amount calculation unit converts the ratio of the one or more stored notional principals and the notional principal loan interest corresponding to the notional principal application interest rate into a loan interest based on a predetermined interest rate. The loan applicable interest rate management device according to claim 10, wherein the loan application interest rate management device is applied instead. The assumed principal ratio setting unit sets one or more assumed principals that are amounts for the loan principal,
The assumed principal storage unit stores an amount of one or more of the assumed principals, the assumed principal application interest rate, and the assumed principal application period,
The loan repayment amount calculation unit converts the ratio of the one or more stored notional principals and the notional principal loan interest corresponding to the notional principal application interest rate into a loan interest based on a predetermined interest rate. The loan applicable interest rate management device according to claim 10, wherein the loan application interest rate management device is applied instead. If the interest rate type of the loan principal is a floating interest rate,
The assumed principal ratio setting unit sets a ratio or amount of the assumed principal that is a fixed interest rate, an application period of the fixed interest rate, and an applicable interest rate.
The loan repayment amount calculation unit calculates a loan interest of the assumed principal obtained from a ratio or amount of the assumed principal and the assumed principal applicable interest rate of a fixed interest rate based on a predetermined variable interest rate loan. The loan applicable interest rate management device according to claim 10, wherein the loan application interest rate management device is applied instead of interest.   14. The loan application interest rate management apparatus according to claim 13, further comprising a fee setting unit that collects a predetermined fee when the ratio of the assumed principal is reduced during a fixed interest rate application period. If the interest rate type of the loan principal is a fixed interest rate,
The notional principal ratio setting unit sets the ratio or amount of the notional principal that is a floating interest rate and / or a fixed interest rate, the notional principal application period, and the notional principal application interest rate for the variable interest rate and / or fixed interest rate. ,
The loan repayment amount calculation unit has predetermined loan interest of the notional principal determined from the ratio or amount of the notional principal and the interest rate of the notional principal applicable interest rate of the variable interest rate and / or the fixed interest rate. 11. The loan applicable interest rate management device according to claim 10, wherein the loan interest rate management device is applied instead of a loan interest based on a fixed interest rate.   The loan application according to claim 15, further comprising a fee setting unit that collects a predetermined fee when the interest rate type of the loan principal is changed to a variable interest rate during a fixed interest rate application period. Interest rate management device.   16. The method according to claim 15, further comprising a fee setting unit that collects a predetermined fee when the applicable interest rate and / or application period of the loan principal is changed during a fixed interest rate application period. Loan application interest rate management device. Computer
Loan principal setting processing to set the loan principal;
Estimated principal ratio setting that sets either the desired percentage or amount of the loan principal as an assumed principal, and sets the assumed principal applicable interest rate and the assumed principal application period for the assumed principal Processing and;
An assumed principal storage process for storing the assumed principal ratio or amount, the assumed principal application interest rate, and the assumed principal application period set by the assumed principal ratio setting unit;
In the memorized notional principal application period that is part of the loan repayment period, the loan interest of the notional principal calculated from the memorized notional principal application interest rate is the loan interest based on a predetermined interest rate. And a loan repayment amount calculating process to be applied instead of the computer program.   Furthermore, when the assumed principal rate type is set to a fixed interest rate and the proportion of the assumed principal is reduced during the fixed interest rate application period, a fee setting process for collecting a predetermined fee is executed. The computer program according to claim 18, wherein the computer program is characterized.   In addition, if the interest rate type of the loan principal is set to a fixed interest rate and the interest rate type of the loan principal is set to a variable interest rate during the fixed interest period, a fee setting process for collecting a predetermined fee is executed. The computer program according to claim 18, characterized by: In addition, if the interest rate type of the loan principal is set to a fixed interest rate and the applicable interest rate and / or the application period of the loan principal is changed during the application period of the fixed interest rate, a fee setting is set to collect a predetermined fee. The computer program according to claim 18, wherein the computer program is executed.

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