JP2009087050A - Repayment plan generation support system, repayment plan generation support method and repayment plan generation support program - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide a repayment plan generation support system, a repayment plan generation support method and a repayment plan generation support program, for reducing risk of a financial institution, and providing a loan convenient for a user. <P>SOLUTION: Information related to a desired total borrowing amount, an assumed monthly repayment amount, and a target property appraised value is acquired from a client terminal 10. When a second borrowing amount calculated based on the target property appraised value is less than the desired total borrowing amount, a control part 21 of a repayment plan generation support server 20 calculates a difference therebetween. The control part 21 executes repayment simulation processing with the difference as a first borrowing amount by a first interest rate. Next, the control part 21 calculates the balance when repayment of first borrowing amount and executes simulation processing for paying back the balance as a second borrowing amount by a second interest rate. The control part 21 of the repayment plan generation support server 20 calculates an integration result of the repayment to the first borrowing amount and the second borrowing amount. <P>COPYRIGHT: (C)2009,JPO&INPIT

Description

  The present invention relates to a repayment plan generation support system, a repayment plan generation support method, and a repayment plan generation support program which are used when a financial institution generates a repayment plan for a loan provided to a customer.

  For example, when a self-funding is insufficient when purchasing a house, a loan is often used, and a housing loan for this purpose is provided by a financial institution (see, for example, Non-Patent Document 1). In this mortgage, for the purpose of acquiring residential land or building or remodeling a house, a loan is provided by a bank or a housing finance company with the house as a mortgage. Traditionally, mortgage loan screening by financial institutions has largely depended on collateral value. In addition, it is important to make a repayment plan for such mortgage borrowing.

  Then, the technique for preparation of a mortgage plan is also examined (for example, refer patent document 1). In the technique described in this document, an object is to determine the amount of borrowing in consideration of the living conditions and income conditions unique to the home purchaser and to search for an appropriate repayment method. Then, the computer pays monthly payments, bonus repayments, interest rates, repayment periods, repayment methods, and home purchases for JHF funds, JHF additional funds, general pension funds, pension special funds, property special funds, bank funds, etc. The annual income, base-up rate, and age of employees. Then, the accumulated repayment of each elapsed year, the balance of borrowings, the annual repayment amount, and 20% of the annual income are calculated. Then, a bar graph with the accumulated repayment amount and the balance of borrowing as the vertical axis and the elapsed years as the horizontal axis and a line graph with the annual repayment amount and 20% of the annual income as the vertical axis and the elapsed years as the horizontal axis are created.

Competition among financial institutions providing mortgages is also intensifying. For this reason, mortgages with improved merchandise have been introduced to meet the needs of users, such as a variable / fixed mix, change from variable to fixed, suspension of repayment, advanced repayment, and no interest on deposit balance. Techniques for supporting the creation of various loan repayment plans are also being studied (see, for example, Patent Document 2). The technique described in this document uses both equal interest and principal. For this purpose, the loan repayment plan planning support system sets basic items and an initial apportion rate for repayment planning. Next, the borrowings are apportioned according to the initial apportioning rate of the initial setting means. Then, a part of the apportioned borrowings is calculated by the equal principal and interest method, and the remaining borrowings are calculated by the equal principal and interest method. A total repayment plan is drawn up by adding these calculation results.
JP-A-7-65070 (first page) JP 2005-316944 A (first page) Mizuho Bank, "mortgage", [online], [searched August 24, 2007], Internet, <URL: http://www.mizuhobank.co.jp/loan/housing/>

As described above, there are many similar mortgage products of each financial institution, and various mortgage products according to customer attributes have been desired. Under such circumstances, various housing loan products have been developed due to the decline in land prices and the progress in competition for housing loans and product differentiation among financial institutions. Specifically, various types of products such as deposit-linked loans, free repayment loans, fixed change free loans, and mixed loans are emerging. Products that can borrow more than the collateral price according to customer attributes and repayment power are becoming mainstream from products based on conventional collateral, and the repayment method is also a mixed loan that combines a variable interest rate and a fixed interest rate. A variety of repayment methods have emerged, such as splitting into floating-rate borrowing and fixed-rate borrowing) and step-up repayments.

  However, loan products that determine the loan amount according to customer attributes and repayment ability are not suitable for temporary employees who do not have long-term employment. In such a case, the loan screening standards are somewhat strict, so it was necessary to procure a large amount of self-finance, and it was necessary to borrow an unsecured loan separately for the shortage associated with housing purchases.

  On the other hand, it is necessary for financial institutions to perform pricing according to risk. Here, the final risk of mortgages can be organized in two matrices, mainly recoverability from collateral property and customer repayment ability. Therefore, it is desirable to design a mortgage that takes into account the balance between the two.

  The present invention has been made to solve the above-described problems, and is a repayment plan generation support system and a repayment plan that can reduce a risk of a financial institution and can provide a loan that is highly convenient for a user. It is to provide a generation support method and a repayment plan generation support program.

  In order to solve the above-mentioned problem, the invention according to claim 1 is connected to a basic loan data storage means for recording information on a first interest rate and a second interest rate lower than the first interest rate, and an input / output means. And a repayment plan generation support system comprising control means for calculating repayment conditions for borrowing, wherein the control means obtains a desired borrowing total amount and an assumed repayment monthly amount from the input / output means, Property information acquisition means for acquiring target property information for calculating a second borrowing amount for which the second interest rate can be set from an entry output means, and the difference between the desired borrowing total amount and the second borrowing amount as the first interest rate Is calculated as the first borrowing amount to which is applied, the interest is calculated for the second borrowing amount to which the second interest rate is applied, and the amount obtained by subtracting at least the interest from the estimated repayment monthly amount is the first repayment monthly amount And calculating a first repayment period in the case of repayment of the first borrowing amount using the first repayment monthly amount. In the first repayment period, the first repayment monthly amount is calculated from the assumed repayment monthly amount. Using the subtracted monthly difference, the balance at the end of the first repayment period when the second borrowing amount to which the second interest rate is applied is repaid, and the balance to which the second interest rate is applied is calculated. A loan plan creating means for calculating a second repayment period in the case of repayment using the estimated repayment monthly amount, and calculating an integrated repayment period by integrating the first repayment period and the second repayment period; The gist of the invention is that it includes a plan output means for providing the result including information to the input / output means.

  The invention according to claim 2 is the repayment plan generation support system according to claim 1, wherein a predetermined repayment period is further recorded in the loan basic data storage means, When the integrated repayment period exceeds the repayment period maturity, the gist is to recalculate the integrated repayment period by adding a predetermined amount to the estimated monthly repayment amount.

  According to a third aspect of the present invention, in the repayment plan generation support system according to the first aspect, the repayment condition acquisition unit acquires a repayment desired period from the input / output unit, and the loan plan creation unit includes the integration plan When the repayment period is longer than the desired repayment period, a predetermined amount is added to the expected repayment monthly amount. When the integrated repayment period is shorter than the desired repayment period, the predetermined amount is subtracted from the expected repayment monthly amount. The gist is to calculate a monthly repayment amount in which the integrated repayment period matches the desired repayment period by recalculating the integrated repayment period.

The invention according to claim 4 is connected to the basic loan data storage means for recording information on the first interest rate and the second interest rate lower than the first interest rate, and the input / output means, and calculates the repayment condition for the borrowing A method for supporting repayment plan generation using a repayment plan generation support system comprising a control means, wherein the control means obtains a repayment condition for acquiring a desired borrowing total amount and an assumed repayment monthly amount from the input / output means A property information acquisition step of acquiring target property information for calculating a second borrowing amount for which the second interest rate can be set from the input / output means, and a difference between the desired borrowing total amount and the second borrowing amount Calculate as the first borrowing amount to which the first interest rate is applied, calculate the interest for the second borrowing amount to which the second interest rate is applied, and calculate the amount obtained by subtracting at least the interest from the estimated monthly repayment amount Calculated as repayment monthly amount, and using this first repayment monthly amount, a first repayment period is calculated when repayment of the first borrowing amount. In the first repayment period, the first repayment monthly amount is calculated from the estimated repayment monthly amount. Using the difference monthly amount after deducting, the balance at the end of the first repayment period when the second borrowing amount to which the second interest rate is applied is repaid, and the balance to which the second interest rate is applied A loan plan creating stage for calculating a second repayment period in the case of repayment using the estimated repayment monthly amount, and calculating an integrated repayment period by integrating the first repayment period and the second repayment period, the integrated repayment period The gist of the present invention is to provide a plan output stage for providing the input / output means with a result including information on the input / output means.

  The invention according to claim 5 is connected to the basic loan data storage means for recording information on the first interest rate and the second interest rate lower than the first interest rate, and the input / output means, and calculates the repayment condition of the borrowing A program for supporting the generation of a repayment plan using a repayment plan generation support system comprising a control means, wherein the control means obtains a repayment condition for acquiring a desired borrowing total amount and an assumed repayment monthly amount from the input / output means. Means, property information obtaining means for obtaining object property information for calculating a second borrowing amount that can set the second interest rate from the input / output means, and a difference between the desired borrowing total amount and the second borrowing amount Calculated as the first borrowing amount to which the first interest rate is applied, calculates the interest for the second borrowing amount to which the second interest rate is applied, and subtracts at least the interest from the estimated monthly repayment amount Is calculated as a first repayment monthly amount, and the first repayment monthly amount is used to calculate a first repayment period in the case of repayment of the first borrowing amount. In the first repayment period, the first repayment amount is calculated from the estimated repayment monthly amount. Calculates the balance at the end of the first repayment period when the second borrowing amount to which the second interest rate is applied is calculated using the difference monthly amount minus one repayment monthly amount, and the second interest rate is applied A loan plan creating means for calculating a second repayment period in the case of repayment using the estimated monthly repayment amount for the balance to be made, and calculating an integrated repayment period by integrating the first repayment period and the second repayment period; The gist of the present invention is to function as a plan output means for providing the input / output means with a result including information on the integrated repayment period.

(Function)
According to the invention described in claim 1, 4 or 5, the control means calculates the desired borrowing total amount, the assumed repayment monthly amount, and the second borrowing amount that can set the second interest rate from the input / output means. To get. Next, the difference between the desired borrowing total amount and the second borrowing amount is calculated as the first borrowing amount to which the first interest rate is applied. Furthermore, the interest on the second borrowing amount to which the second interest rate is applied is calculated, the amount calculated by subtracting at least the interest from the expected repayment monthly amount is calculated as the first repayment monthly amount, and the first repayment monthly amount is used to calculate the first repayment amount. Calculate the first repayment period when paying off the borrowing amount. In the first repayment period, the remaining amount at the end of the first repayment period when the second borrowing amount to which the second interest rate is applied is repaid using the monthly difference obtained by subtracting the first repayment amount from the expected repayment amount Is calculated. Next, a second repayment period is calculated when repayment is made using the assumed repayment monthly amount for the balance to which the second interest rate is applied. Then, a result including information on the integrated repayment period is provided to the input / output means. Thereby, it is possible to make a loan taking into account the customer's repayment ability based on the possibility of collection from the second borrowing amount. When the loan is collected with collateral, the loan can be provided with a low interest rate according to the low risk. On the other hand, for loans that cannot be relied upon for collateral collection, it is possible to provide the first borrowing amount with an added risk premium corresponding to the repayment ability. As a result, it is possible to provide an attractive loan for the user due to a decrease in the amortization rate.

According to the second aspect of the present invention, when the integrated repayment period exceeds the repayment period maturity, the integrated repayment period is recalculated by adding a predetermined amount to the assumed repayment monthly amount. As a result, it is possible to suppress a loan whose repayment period exceeds the maturity.

  According to the invention described in claim 3, the repayment desired period is acquired. If the integrated repayment period is longer than the desired repayment period, a predetermined amount is added to the expected repayment monthly amount. If the integrated repayment period is shorter than the desired repayment period, the predetermined amount is subtracted from the estimated repayment monthly amount. By recalculating the period, the repayment monthly amount in which the integrated repayment period matches the repayment desired period is calculated. Thereby, the repayment monthly amount according to the repayment desired period can be calculated.

  ADVANTAGE OF THE INVENTION According to this invention, while reducing the risk of a financial institution, the loan with high convenience for a user can be provided.

  Hereinafter, an embodiment embodying the present invention will be described with reference to FIGS. In the present embodiment, a repayment plan generation support system, a repayment plan generation support method, and a repayment plan generation support program used when creating a repayment plan for a mortgage will be described.

  In the repayment plan of the present embodiment, as shown in FIG. 4, it is assumed that a fixed monthly repayment amount is repaid throughout the repayment period. Here, the first borrowing amount and the second borrowing amount are used. The second borrowing amount is a loan that is covered by the evaluation amount of the purchase desired house (target property), and a second interest rate is set. On the other hand, the first borrowing amount supplements the second borrowing amount, and a first interest rate is set according to the repayment capacity and the target property. The repayment period is composed of a first repayment period T1 and a second repayment period T2. During the first repayment period T1, repayments are made for the first and second borrowing amounts, and during the second repayment period T2, repayments are made for the second borrowing amount.

  A configuration for creating such a repayment plan will be described below. In this embodiment, as shown in FIG. 1, a client terminal 10 installed at a user's home, a client terminal 10 installed at a main branch of a financial institution, and a repayment plan generation support server 20 are connected via a network. Are connected to each other.

  The client terminal 10 functions as an input / output unit and is a computer terminal used by a user who creates a repayment plan. The client terminal 10 is used when each user accesses the repayment plan generation support server 20. The client terminal 10 has a function of transmitting data via a network, a function of displaying received data, and the like. For this reason, the client terminal 10 includes an input unit such as a keyboard and a mouse, an output unit such as a display, a communication unit, and the like in addition to a CPU, RAM, and ROM (not shown).

The repayment plan generation support server 20 is a computer server that performs a simulation for supporting the creation of a repayment plan.
The repayment plan generation support server 20 includes a control unit 21 as shown in FIG. The control unit 21 performs a data management process used when creating a repayment plan. And the control part 21 has a control means (CPU, RAM, ROM etc. which are not shown in figure), and processes (repayment condition acquisition stage, property information acquisition stage, loan plan creation stage, repayment forecast calculation stage, repayment plan output described later. Process including stages). By executing the repayment plan generation support processing program for this purpose, the control unit 21 causes the repayment condition acquisition unit 211, the target property information acquisition unit 212, the loan plan creation unit 213, the repayment prediction calculation unit 214, and the repayment plan output unit 215. And so on.

The repayment condition acquisition unit 211 sets the repayment condition for designing the loan to the client terminal 10.
Get from. In this embodiment, information on the desired borrowing total amount and the assumed repayment monthly amount is acquired.

The target property information acquisition unit 212 calculates a loanable amount (second borrowing amount) by applying the second interest rate based on the evaluation information of the property to be loaned.
The loan plan creation means 213 creates a repayment plan when a loan is applied by applying the first interest rate to the shortage amount when the second borrowing amount is short.

The repayment prediction calculation means 214 executes a loan repayment simulation according to the repayment conditions.
The repayment plan output means 215 outputs the repayment plan to the client terminal 10.

The repayment plan generation support server 20 includes a basic condition data storage unit 22 and an acceptance data storage unit 23 as shown in FIG.
The basic condition data storage unit 22 functions as loan basic data storage means, and as shown in FIG. 2A, a basic condition table 220 that records basic information used when creating a loan repayment plan is recorded. . This basic condition table 220 is registered before providing support for generating a repayment plan. The basic condition table 220 includes data relating to the first interest rate, the second interest rate, the credit, and the repayment period.

In the first interest rate data area, data relating to the interest rate (first interest rate) set based on the repayment ability of the user is recorded.
In the second interest rate data area, data relating to an interest rate (second interest rate) used in a loan that can be collected from a loan target property (here, a property desired to be purchased as a mortgage) is recorded.

Data relating to a coefficient for calculating the second borrowing amount to which the second interest rate can be applied is recorded from the property evaluation amount in the multiplication data area.
In the repayment period maturity data area, data relating to the maximum value of the repayment period when a loan is made is recorded.

  As shown in FIG. 2B, the reception data storage unit 23 stores a loan simulation request reception record 230 for creating a repayment plan. This acceptance record 230 is registered before providing support for generating a repayment plan. The reception record 230 includes data regarding a reception identifier, a desired borrowing total amount, an assumed repayment monthly amount, a second borrowing amount, a first borrowing amount, and a repayment period.

Data relating to an identifier for specifying each simulation request is recorded in the reception identifier data area.
In the desired borrowing total amount data area, data relating to an amount desired to be borrowed in this simulation is recorded.

In the assumed repayment monthly amount data area, data relating to the monthly amount to be repaid for this borrowing is recorded.
In the second borrowing amount data area, data relating to the borrowing amount to which the second interest rate is applied is recorded.

In the first borrowing amount data area, data relating to the borrowing amount to which the first interest rate is applied is recorded.
In the repayment period data area, data relating to the repayment period of the borrowing is recorded.

  A simulation process when generating a repayment plan using the system configured as described above will be described with reference to FIG. This process is executed when the client terminal 10 receives a loan simulation request.

  First, the control part 21 of the repayment plan production | generation assistance server 20 performs the acquisition process of borrowing wish information (step S1-1). Specifically, the repayment condition acquisition unit 211 of the control unit 21 transmits loan simulation condition setting screen data to the client terminal 10. In this case, a loan simulation condition setting screen is output on the display of the client terminal 10. This loan simulation condition setting screen includes a desired borrowing total amount setting column and a desired repayment monthly amount setting column. The user's desired amount is set in the desired borrowing total amount setting column and the desired repayment monthly amount setting column.

  And when the input to each setting column is completed, the transmission button on the loan simulation condition setting screen is selected. In this case, the client terminal 10 transmits a condition setting request including information input in each setting column to the repayment plan generation support server 20. The repayment condition acquisition unit 211 of the control unit 21 of the repayment plan generation support server 20 that has received the condition setting request assigns an acceptance identifier, the desired borrowing total amount and the desired repayment monthly amount, the desired borrowing total amount data area, and the assumed repayment monthly amount, respectively. A reception record 230 recorded in the data area is generated and registered in the reception data storage unit 23.

  Next, the control part 21 of the repayment plan production | generation assistance server 20 performs the calculation process of the borrowing amount of a 2nd interest rate (step S1-2). Specifically, the target property information acquisition unit 212 of the control unit 21 transmits target property evaluation amount setting screen data to the client terminal 10. In this case, a target property evaluation amount setting screen is output on the display of the client terminal 10. This target property evaluation value setting screen is provided with a target property evaluation value setting field for inputting an evaluation value (property evaluation value) of a loan target house. When the input to the target property evaluation amount setting field is completed, the transmission button on the target property evaluation amount setting screen is selected. In this case, the client terminal 10 transmits an evaluation request including information input in the target property evaluation amount setting field to the repayment plan generation support server 20. The target property information acquisition unit 212 of the control unit 21 of the repayment plan generation support server 20 that has received the evaluation request multiplies the property evaluation amount by the hook recorded in the basic condition data storage unit 22 and the collateral evaluation amount ( Second borrowing amount) is calculated. Then, the second borrowing amount is additionally recorded in the generated reception record 230.

  Next, the control unit 21 of the repayment plan generation support server 20 executes a comparison process between the desired borrowing total amount and the second borrowing amount (step S1-3). Specifically, the loan plan creation unit 213 of the control unit 21 compares the desired borrowing total amount acquired from the client terminal 10 with the second borrowing amount calculated based on the target property evaluation amount.

  Here, when the second borrowing amount is equal to or larger than the desired borrowing total amount (in the case of “YES” in step S1-3), the control unit 21 of the repayment plan generation support server 20 performs a simulation process to repay the desired borrowing total amount. Execute (Step S1-4). Specifically, the loan plan creation unit 213 of the control unit 21 instructs the repayment prediction calculation unit 214 to execute a repayment simulation using the second interest rate recorded in the basic condition data storage unit 22. This instruction includes, as repayment conditions, data on the desired borrowing total amount and the assumed repayment monthly amount recorded in the reception record 230. In this case, the repayment prediction calculation unit 214 calculates a repayment period when the acquired repayment condition and the second interest rate recorded in the basic condition data storage unit 22 are used. Then, the repayment prediction calculation unit 214 supplies the simulation result (repayment monthly amount) to the loan plan creation unit 213.

  On the other hand, when the second borrowing amount is less than the desired borrowing total amount (in the case of “NO” in step S1-3), the control unit 21 of the repayment plan generation support server 20 executes a difference calculation process (step S1-5). ). Specifically, the loan plan creation unit 213 of the control unit 21 calculates a difference obtained by subtracting the second borrowing amount from the desired borrowing amount. Then, the loan plan creation unit 213 additionally records the difference as the first borrowing amount in the generated reception record 230.

  Next, the control part 21 of the repayment plan production | generation assistance server 20 performs the repayment simulation process of the 1st borrowing amount (step S1-6). Specifically, the loan plan creation means 213 of the control unit 21 uses a monthly amount (initially as a difference monthly amount) to be used for repayment to the second borrowing amount within the assumed repayment amount during the period during which the first borrowing amount is being repaid. 2nd repayment monthly amount) is calculated. Then, the loan plan creation unit 213 calculates an amount obtained by subtracting the initial second repayment monthly amount from the estimated repayment monthly amount recorded in the reception record 230 as the first repayment monthly amount.

  Then, the loan plan creation means 213 of the control unit 21 instructs the repayment prediction calculation means 214 to execute a repayment simulation. This instruction includes data on the first borrowing amount and the first repayment monthly amount as repayment conditions. In this case, the repayment prediction calculation unit 214 calculates a repayment period (first period T1) when the acquired repayment condition and the first interest rate recorded in the basic condition data storage unit 22 are used. Then, the repayment prediction calculation unit 214 supplies the simulation result (first period T1) to the loan plan creation unit 213.

  And the control part 21 of the repayment plan production | generation assistance server 20 performs the calculation process of the balance at the time of 1st borrowing amount repayment (step S1-7). Specifically, the loan plan creation unit 213 of the control unit 21 instructs the repayment prediction calculation unit 214 to execute a repayment simulation. This instruction includes data on the second borrowing amount, the initial second repayment monthly amount, and the first repayment period T1 as repayment conditions. In this case, the repayment prediction calculation unit 214 calculates the remaining amount of the second borrowing amount at the end of the first repayment period using the acquired repayment condition and the second interest rate recorded in the basic condition data storage unit 22. Then, the repayment prediction calculation unit 214 supplies the simulation result (remaining amount) to the loan plan creation unit 213.

  And the control part 21 of the repayment plan production | generation assistance server 20 performs the simulation process for repayment of remainder (step S1-8). Specifically, the loan plan creation unit 213 of the control unit 21 instructs the repayment prediction calculation unit 214 to execute a repayment simulation. This instruction includes, as repayment conditions, data relating to the acquired remaining amount and assumed repayment monthly amount. In this case, the repayment prediction calculation unit 214 calculates a period (second repayment period T2) when the acquired repayment condition and the second interest rate recorded in the basic condition data storage unit 22 are used. Then, the repayment prediction calculation unit 214 supplies the simulation result (second repayment period T2) to the repayment plan output unit 215.

  And the control part 21 of the repayment plan production | generation assistance server 20 performs the calculation process of an integration result (step S1-9). Specifically, the repayment plan output means 215 of the control unit 21 calculates the repayment period by adding the second repayment period T2 to the first repayment period T1.

  And the control part 21 of the repayment plan production | generation support server 20 performs the maturity confirmation process of a repayment period (step S1-10). Specifically, the repayment plan output means 215 determines whether or not the repayment period calculated in step S1-4 or S1-9 is less than or equal to the repayment period age recorded in the basic condition data storage unit 22.

When the calculated repayment period is equal to or shorter than the repayment period (“YES” in step S1-10), the control unit 21 of the repayment plan generation support server 20 executes a simulation result output process (step S1-11). . Specifically, the financing plan creation means 21 of the control unit 21
3 transmits the simulation result to the client terminal 10 via the repayment plan output means 215. In this case, a simulation result (repayment period) for the set desired borrowing amount and assumed repayment monthly amount is output on the display of the client terminal 10.

  On the other hand, when the calculated repayment period is longer than the repayment period term (in the case of “NO” in step S1-10), the control unit 21 of the repayment plan generation support server 20 executes a repayment monthly amount change process (step S1- 12). Specifically, the loan plan creation unit 213 of the control unit 21 adds a predetermined value to the assumed repayment monthly amount recorded in the received data storage unit 23. And the control part 21 of the repayment plan production | generation assistance server 20 repeats the process after step S1-3.

According to this embodiment, the following effects can be obtained.
In the present embodiment, when the second borrowing amount is less than the desired borrowing total amount (in the case of “NO” in step S1-3), the control unit 21 of the repayment plan generation support server 20 calculates the difference amount. And the repayment simulation process which makes this difference the 1st borrowing amount is performed (step S1-6). Next, the control part 21 calculates the balance at the time of 1st borrowing amount repayment, and performs the simulation process for repayment of this balance (step S1-8). And the control part 21 of the repayment plan production | generation support server 20 performs the calculation process of the integrated result of repayment with respect to the 1st borrowing amount and the 2nd borrowing amount (step S1-9). As a result, a loan with a low ratio of debt (LTV: Loan to Value) to the valuation value of the target asset is highly likely to be recovered by collateral, and a low interest rate product corresponding to a low risk can be provided. On the other hand, when providing a portion of a loan that cannot be relied on for collateral collection exceeding a certain LTV, a loan with a risk premium corresponding to the repayment ability can be provided first. With such a risk premium, it is possible to provide mortgages to a wide range of people through credit enhancement. As a result, an attractive product can be realized by lowering the amortization rate.

In addition, you may change each said embodiment as follows.
○ In the above embodiment, the repayment plan generation support method is applied to a mortgage, but the loan target is not limited to this.

  In the above embodiment, as the initial second repayment monthly amount, an amount for repayment of the interest of the second borrowing amount is calculated. The initial second repayment monthly amount is not limited to this, and may be a predetermined ratio of the assumed repayment monthly amount or a fixed amount. In the former case, a predetermined rate is recorded in the basic condition data storage unit 22 in advance, and the control unit 21 of the repayment plan generation support server 20 multiplies the predetermined rate of the expected repayment monthly amount to obtain the initial second repayment monthly amount. calculate. In the latter case, the initial second repayment monthly amount is recorded in the basic condition data storage unit 22 in advance.

Furthermore, the initial second repayment monthly amount may be calculated by adding a predetermined amount recorded in advance in the basic condition data storage unit 22 to the interest amount of the second borrowing amount.
In addition, by setting the initial second repayment monthly amount to “0 yen”, it is possible to substantially suspend the repayment of the second borrowing amount.

  ○ In the above embodiment, the assumed monthly repayment amount is a constant value throughout the repayment period. Instead of this, it is possible to make it variable according to the user's setting. In this case, the control unit 21 of the repayment plan generation support server 20 acquires an assumed repayment monthly amount corresponding to each repayment period in the repayment period through the loan simulation condition setting screen. And the repayment condition acquisition means 211 of the control part 21 registers the data regarding estimated repayment monthly amount in the reception data memory | storage part 23 for every repayment time. Furthermore, the repayment prediction calculation unit 214 of the control unit 21 executes a simulation using the estimated repayment monthly amount. The volatility of the customer's repayment capacity is increasing due to changes in the economic situation, lifetime employment, seniority wage system, job change, etc., and it is possible to provide loans that take into account the repayment ability of users.

  In the above embodiment, the control unit 21 of the repayment plan generation support server 20 acquires data on the expected repayment monthly amount through the loan simulation condition setting screen, and outputs information on the repayment period as a simulation result. The simulation result to be output is not limited to information related to the repayment period, and it is also possible to obtain data about the repayment desired period and output the monthly repayment amount as a simulation result. In this case, a repayment monthly initial value is set in the basic condition data storage unit 22 of the repayment plan generation support server 20, and the loan plan creation means 213 of the control unit 21 uses the repayment monthly initial value to perform a repayment simulation. To calculate the repayment period. Then, the control unit 21 of the repayment plan generation support server 20 compares the repayment period with the repayment desired period. Here, when both do not correspond, the loan plan preparation means 213 of the control part 21 calculates the variable value which changed the repayment monthly initial value. In this case, when the calculated repayment period is longer than the desired repayment period, the loan plan creation unit 213 adds a predetermined amount to the repayment monthly initial value and sets the variable value higher. On the other hand, when the repayment period is shorter than the desired repayment period, the variable value is set low by subtracting a predetermined amount from the repayment monthly initial value. If the repayment period and the desired repayment period match, the loan plan creation means 213 of the control unit 21 outputs the variable value as a simulated repayment monthly amount.

  In the above embodiment, the client terminal 10 uses the target property information acquisition unit 212 of the control unit 21 of the repayment plan generation support server 20 to multiply the property evaluation value by the item recorded in the basic condition data storage unit 22. The collateral evaluation value (second borrowing amount) is then calculated. Instead, the second borrowing amount can be obtained from a collateral database registered in advance. In this collateral database, the collateral evaluation value (second borrowing amount) is stored for each property identifier. And the property identifier of loan object is acquired from the client terminal 10, and the 2nd borrowing amount is calculated. It is also possible to transfer the property information input by the customer to the evaluation terminal of the evaluation specialized institution and acquire the collateral evaluation amount calculated by the evaluation specialized institution from the evaluation terminal.

In the above embodiment, the client terminal 10 installed at the user's home or financial institution is used. However, the present invention is not limited to this.
In the above embodiment, the desired repayment monthly amount is acquired from the client terminal 10. The method of setting the desired repayment monthly amount is not limited to this. For example, it is possible to set the expected repayment monthly amount according to the annual income of the user. In this case, the basic condition data storage unit 22 of the repayment plan generation support server 20 holds a function for calculating the repayment monthly amount using the annual income as a variable.

  In the above embodiment, the basic condition table 220 of the basic condition data storage unit 22 stores data relating to the first interest rate and the second interest rate. Here, it is also possible to determine the interest rate according to the user attribute and the project attribute. In this case, data relating to the first interest rate and the second interest rate considering each risk is stored for the user attribute (annual income) and the project attribute (property address). User attributes and project attributes are acquired via the loan simulation condition setting screen. A simulation is performed using the first interest rate and the second interest rate according to this.

The system schematic of embodiment of this invention. It is explanatory drawing of the data recorded on the data storage part, Comprising: (a) is a basic condition data storage means, (b) is explanatory drawing of the data recorded on the reception data storage means. Explanatory drawing of the process sequence of this embodiment. Explanatory drawing of the repayment monthly amount of the mortgage of this embodiment.

Explanation of symbols

DESCRIPTION OF SYMBOLS 10 ... Client terminal, 20 ... Repayment plan production | generation support server, 21 ... Control part, 211 ... Repayment condition acquisition means, 212 ... Object property information acquisition means, 213 ... Loan plan preparation means, 214 ... Repayment prediction calculation means, 215 ... Repayment Plan output means, 22 ... basic condition data storage section, 23 ... received data storage section, T1 ... first repayment period, T2 ... second repayment period.

Claims (5)

A basic loan data storage means for recording information on a first interest rate and a second interest rate lower than the first interest rate;
A repayment plan generation support system that is connected to the input / output means and includes a control means for calculating repayment conditions for borrowing,
The control means is
Repayment condition acquisition means for acquiring the desired borrowing total amount and the expected repayment monthly amount from the input / output means,
Property information acquisition means for acquiring target property information for calculating a second borrowing amount that can set the second interest rate from the input / output means;
Calculating the difference between the total desired borrowing amount and the second borrowing amount as the first borrowing amount to which the first interest rate is applied;
Calculate the interest for the second borrowing amount to which the second interest rate is applied, calculate an amount obtained by subtracting at least the interest from the estimated repayment monthly amount as a first repayment monthly amount, and use the first repayment monthly amount, Calculating a first repayment period in the case of repayment of the first borrowing amount;
In the first repayment period, the first repayment period when the second borrowing amount to which the second interest rate is applied is repaid using a difference monthly amount obtained by subtracting the first repayment monthly amount from the estimated repayment monthly amount. Calculate the balance at the end,
Calculating a second repayment period in the case of repayment using the assumed monthly repayment amount for the balance to which the second interest rate is applied;
A loan plan creation means for calculating an integrated repayment period obtained by integrating the first repayment period and the second repayment period;
A repayment plan generation support system comprising plan output means for providing the input / output means with a result including information on the integrated repayment period. The loan basic data storage means further records a predetermined repayment period,
The loan plan creation means, when the integrated repayment period exceeds the repayment period maturity, recalculates the integrated repayment period by adding a predetermined amount to the expected repayment monthly amount. Repayment plan generation support system described. The repayment condition acquisition means acquires a repayment desired period from the input / output means,
The loan plan creation means includes:
When the integrated repayment period is longer than the desired repayment period, a predetermined amount is added to the expected repayment monthly amount. When the integrated repayment period is shorter than the desired repayment period, the predetermined amount is subtracted from the expected repayment monthly amount. The repayment plan generation support system according to claim 1, wherein a repayment monthly amount in which the integrated repayment period coincides with the repayment desired period is calculated by recalculating the integrated repayment period. A basic loan data storage means for recording information on a first interest rate and a second interest rate lower than the first interest rate;
A method for supporting the generation of a repayment plan using a repayment plan generation support system, which is connected to an input / output means and includes a control means for calculating a repayment condition for borrowing,
The control means is
Repayment condition acquisition stage for acquiring desired borrowing total amount and assumed repayment monthly amount from the input / output means,
A property information acquisition stage for acquiring target property information for calculating a second borrowing amount capable of setting the second interest rate from the input / output means;
Calculating the difference between the total desired borrowing amount and the second borrowing amount as the first borrowing amount to which the first interest rate is applied;
Calculate the interest for the second borrowing amount to which the second interest rate is applied, calculate an amount obtained by subtracting at least the interest from the estimated repayment monthly amount as a first repayment monthly amount, and use the first repayment monthly amount, Calculating a first repayment period in the case of repayment of the first borrowing amount;
In the first repayment period, the first repayment period when the second borrowing amount to which the second interest rate is applied is repaid using a difference monthly amount obtained by subtracting the first repayment monthly amount from the estimated repayment monthly amount. Calculate the balance at the end,
Calculating a second repayment period in the case of repayment using the assumed monthly repayment amount for the balance to which the second interest rate is applied;
A financing plan creation stage for calculating an integrated repayment period by integrating the first repayment period and the second repayment period;
A repayment plan generation support method comprising a plan output stage for providing a result including information on the integrated repayment period to the input / output means. A basic loan data storage means for recording information on a first interest rate and a second interest rate lower than the first interest rate;
A program that supports generation of a repayment plan using a repayment plan generation support system that is connected to an input / output means and includes a control means for calculating repayment conditions for borrowing,
The control means;
Repayment condition acquisition means for acquiring the desired borrowing total amount and the expected repayment monthly amount from the input / output means,
Property information acquisition means for acquiring target property information for calculating a second borrowing amount that can set the second interest rate from the input / output means;
Calculating the difference between the total desired borrowing amount and the second borrowing amount as the first borrowing amount to which the first interest rate is applied;
Calculate the interest for the second borrowing amount to which the second interest rate is applied, calculate an amount obtained by subtracting at least the interest from the estimated repayment monthly amount as a first repayment monthly amount, and use the first repayment monthly amount, Calculating a first repayment period in the case of repayment of the first borrowing amount;
In the first repayment period, the first repayment period when the second borrowing amount to which the second interest rate is applied is repaid using a difference monthly amount obtained by subtracting the first repayment monthly amount from the estimated repayment monthly amount. Calculate the balance at the end,
Calculating a second repayment period in the case of repayment using the assumed monthly repayment amount for the balance to which the second interest rate is applied;
A loan plan creation means for calculating an integrated repayment period obtained by integrating the first repayment period and the second repayment period;
A repayment plan generation support program which functions as a plan output means for providing a result including information on the integrated repayment period to the input / output means.

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