JP2011165016A - Loan contract management program, loan contract management device, and method for managing loan contract - Google Patents
Loan contract management program, loan contract management device, and method for managing loan contract Download PDFInfo
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本発明は、ローン金利の変動に対応してローン契約に定められた返済期限を更新するためのローン契約管理プログラム、ローン契約管理装置、及びローン契約の管理方法に関するものである。 The present invention relates to a loan contract management program, a loan contract management apparatus, and a loan contract management method for updating a repayment date set in a loan contract in response to a change in a loan interest rate.
長期ローンの返済には、ローンの元本を均等に分割して返済する元本均等返済と、ローンの元本と返済期限までに発生する支払利息の合計額を均等に分割して返済する元利均等返済の２種類の方法がある。元本均等返済によると、１回あたりの返済額はローン残高の減少に従って段階的に減少することとなるため、債務者（借入人）にかかる当初の返済負担が重くなってしまう。そのため、住宅ローンのように主に個人が利用する長期ローンでは、期間中の返済負担が平準化される元利均等返済が選択されることが一般的である。 For long-term loan repayment, the principal equal repayment is made by dividing the principal of the loan evenly, and the principal and interest paid by dividing the total amount of the principal paid by the loan and the interest paid until the due date There are two methods of equal repayment. According to the equal repayment of principal, the amount of repayment per transaction decreases gradually as the loan balance decreases, so the initial repayment burden on the debtor (borrower) becomes heavy. Therefore, for long-term loans mainly used by individuals, such as mortgages, it is common to select principal and interest equal repayment that equalizes the repayment burden during the period.
一般に、このような長期ローンの契約条件は、ローンを実行した金融機関のコンピュータシステムにおいて管理され、ローンの残高や適用金利、返済期限などの条件が指定されれば、各回の返済予定を出力することが可能になっている（例えば、特許文献１の図２、図３参照）。 Generally, such long-term loan contract conditions are managed by the computer system of the financial institution that executed the loan. If conditions such as the loan balance, applicable interest rate, and repayment date are specified, the repayment schedule for each time is output. (See, for example, FIGS. 2 and 3 of Patent Document 1).
ところで、住宅ローン等の長期ローンには、返済期限までの同一の固定金利が適用される固定金利型のローンと、返済期限までの市場金利の変動に連動して適用する金利が変動する変動金利型のローンの２種類がある。住宅ローン等を元利均等で返済する場合に、固定金利型のローンであれば期間中に適用金利が変更されることはないので、１回あたりの返済額はローン契約時に決定された金額で固定されるが、変動金利型のローンにおいて適用金利が変更されると、返済期限を固定したまま元利均等の再計算が行われて、１回あたりの返済額が変動することになる。 By the way, for long-term loans such as mortgages, fixed-rate loans where the same fixed interest rate until the repayment date is applied, and variable interest rates where the applied interest rate fluctuates in conjunction with fluctuations in the market interest rate until the repayment date There are two types of type loans. When repayment of mortgages, etc. with equal principal and interest, the applicable interest rate will not change during the period if the loan is a fixed interest rate type, so the repayment amount per transaction is fixed at the amount determined at the time of loan agreement However, if the applicable interest rate is changed in a floating interest rate type loan, the repayment amount per transaction will change due to recalculation of the principal and interest with the repayment date fixed.
債務者が返済期限までの金利変動リスクを回避したい場合は固定金利型のローンを選択することとすればよいが、同一時期における固定金利と変動金利の水準を比較すると、固定金利のほうが高い水準にあることが一般的である。そのため、特に近年のように低金利が継続する局面においては、当面の金利負担を抑えるために変動金利型のローンが選好される傾向がある。 If the debtor wants to avoid the risk of interest rate fluctuations until the repayment date, a fixed-rate loan should be selected, but if the fixed interest rate and the floating interest rate at the same time are compared, the fixed interest rate is higher. It is common to be in. Therefore, especially in the phase where low interest rates continue as in recent years, floating interest rate loans tend to be preferred in order to reduce the interest rate burden for the time being.
しかしながら、変動金利型のローンを選択することによって当初の金利水準を抑えたとしても、返済期限が到来するまでに市場金利が上昇し、ローンに適用される金利も当初より高い水準に変更されることになると、支払利息の増加により１回あたりの返済額（例えば毎月の返済額）が増額され、債務者の返済負担が増すことになってしまう。債務者、金融機関等の債権者の双方にとって、特に現在のような低金利下においては、金利上昇による返済負担の増加により返済が滞るリスクが懸念されるところである。 However, even if the initial interest rate level is reduced by selecting a floating-rate loan, the market interest rate will rise by the time the repayment date arrives, and the interest rate applied to the loan will be changed to a higher level than the original. If this happens, the amount of repayment per transaction (for example, the monthly repayment amount) will increase due to an increase in interest payments, and the debtor's repayment burden will increase. Both obligors and creditors such as financial institutions are concerned about the risk of repayment delays due to an increase in the repayment burden due to rising interest rates, especially under current low interest rates.
本発明は、このような課題に対応するためになされたものであり、ローン金利が上昇した場合であっても、変動金利型ローンの債務者にかかる返済負担増を抑えるのに好適な、ローン金利の変動に対応してローン契約に定められた返済期限を更新するためのローン契約管理プログラム、ローン契約管理装置、及びローン契約の管理方法を提供することを目的とするものである。 The present invention has been made in order to cope with such problems, and is suitable for suppressing an increase in the repayment burden imposed on a debtor of a variable interest rate type loan even when the loan interest rate increases. It is an object of the present invention to provide a loan contract management program, a loan contract management apparatus, and a loan contract management method for updating a repayment date set in a loan contract in response to a change in interest rates.
このような課題を解決する本発明は、ローン金利の変動に対応してローン契約に定められた返済期限を更新するためのローン契約管理プログラムであって、コンピュータに、金利テーブルから読み出した、又は入力装置からの入力を受け付けた最新のローンの基準金利から、所定のローン契約に適用される適用金利を決定する適用金利決定ステップと、前記ローン契約の契約条件に関する情報を記憶する契約条件記憶手段から、前記契約条件に関する情報に含まれる前記ローン契約において定められた１回あたりの返済基準額と最新のローン残高を読み出し、前記ローン残高に前記適用金利決定ステップで決定された適用金利を適用して、元利均等で返済する場合の１回あたりの返済額が前記返済基準額となる返済回数を演算して返済期限を決定する返済期限決定ステップと、前記契約条件記憶手段に記憶されたローン契約の契約条件に関する情報に含まれる前記ローン契約の返済期限を、前記返済期限決定ステップで決定された返済期限に更新する返済期限更新ステップと、を実行させることを特徴とするローン契約管理プログラムである。 The present invention for solving such a problem is a loan contract management program for updating a repayment deadline set in a loan contract in response to a change in a loan interest rate, read out from an interest rate table in a computer, or An applied interest rate determining step for determining an applied interest rate applied to a predetermined loan contract from the latest interest rate reference of the loan accepted from the input device, and a contract condition storage means for storing information on the contract conditions of the loan contract From the above, the repayment standard amount and the latest loan balance determined in the loan contract included in the information on the contract conditions are read, and the applicable interest rate determined in the applicable interest rate determination step is applied to the loan balance. The repayment deadline is calculated by calculating the number of repayments when the repayment amount for each repayment when the repayment is made on an equal basis. A repayment date determining step, and a repayment date for updating the repayment date of the loan contract included in the information on the contract terms of the loan contract stored in the contract condition storage means to the repayment date determined in the repayment date determination step A loan contract management program characterized by executing a term update step.
本発明では、変動金利型のローンの適用金利が変動した際に、返済期限を固定したまま元利均等となる１回あたりの返済額を再計算するのではなく、元利均等となる１回あたりの返済額を一定の基準額に抑えることによって返済回数を変更し、これにあわせて返済期限を更新するよう構成することによって、変動金利型のローンの適用金利が上昇した場合にも、１回あたりの返済額が基準額以上に増加することを回避し、債務者にかかる返済負担の増加を抑えることが可能になっている。 In the present invention, when the applicable interest rate of a variable interest rate type loan changes, the repayment amount per time that is equal to the principal and interest is not recalculated while the repayment date is fixed, but the amount per time that is equal to the principal and interest By changing the number of repayments by limiting the repayment amount to a certain standard amount and updating the repayment deadline accordingly, even if the applicable interest rate of a floating interest rate type loan increases, It is possible to prevent the repayment amount from increasing beyond the standard amount, and to suppress the increase in the repayment burden on the debtor.
尚、本発明において、返済回数を演算する際の１年あたりの返済回数は特に限定されるものではなく、年１回、３ヶ月に１回、毎月１回など、どのように設定されるものであってもよい。また、適用金利を決定するタイミングについても特に限定されず、例えば、半年に１度といった頻度で見直しを行うこととすればよい。 In the present invention, the number of repayments per year when calculating the number of repayments is not particularly limited, and is set such as once a year, once every three months, or once a month. It may be. Also, the timing for determining the applicable interest rate is not particularly limited. For example, it may be reviewed at a frequency of once every six months.
本発明は、前記返済基準額には１回あたりの返済額の上限金額が設定されていて、前記返済期限決定ステップでは、前記上限金額を超過せず、かつ返済期限までの返済回数が整数回となる返済額を１回あたりの返済額として返済回数を演算し、前記返済期限を決定することを特徴とすることもできる。 In the present invention, an upper limit amount of repayment amount per time is set in the repayment reference amount. In the repayment date determination step, the upper limit amount is not exceeded and the number of repayments until the repayment date is an integer number of times. The repayment amount is calculated as the repayment amount per time, and the repayment deadline is determined.
このように設定すると、金利変動を反映した１回あたりの返済額は、あらかじめ設定した上限金額を超過しない額となるので、変動金利型のローンであっても債務者にかかる１回あたりの返済負担を一定の金額以下に抑えることが可能になる。 With this setting, the amount of repayment per transaction that reflects interest rate fluctuations will not exceed the preset maximum amount. The burden can be kept below a certain amount.
本発明は、前記返済基準額にはローン契約時に定められた１回あたりの返済額が設定されていて、前記返済期限決定ステップでは、返済期限までの返済回数が整数回とならない場合には、返済回数の端数を切り上げ又は切り下げて前記返済期限を決定することを特徴とすることもできる。 In the present invention, if the repayment amount per transaction determined at the time of loan contract is set in the repayment standard amount, and the repayment time is not an integer number in the repayment date determination step, The repayment deadline may be determined by rounding up or down the fraction of the repayment count.
このように設定すると、金利変動を反映した１回あたりの返済額は、ローン契約時に定められた１回あたりの返済額で固定されるので、変動金利型のローンであっても債務者にかかる１回あたりの返済負担を固定することが可能になる。 With this setting, the repayment amount per transaction reflecting interest rate fluctuations is fixed at the repayment amount per transaction determined at the time of the loan contract. It becomes possible to fix the repayment burden per time.
本発明は、前記コンピュータに、前記適用金利決定ステップで決定した適用金利を、前記契約条件記憶手段に記憶されたローン契約の契約条件に関する情報に含まれる前記ローン契約に適用される適用金利と対比する適用金利対比ステップと、前記適用金利対比ステップにおいて、前記適用金利決定ステップで決定した適用金利が前記ローン契約に適用される適用金利に満たないことが確認された場合には、前記契約条件記憶手段から、前記契約条件記憶手段に記憶されたローン契約の契約条件に関する情報に含まれる前記ローン契約において定められた返済期限と最新のローン残高を読み出し、前記ローン残高に前記適用金利決定ステップで決定された適用金利を適用して、前記返済期限まで元利均等で返済する場合の１回あたりの返済額を演算する返済額演算ステップと、前記契約条件記憶手段に記憶されたローン契約の契約条件に関する情報に含まれる１回あたりの返済額を、前記返済額演算ステップで演算された返済額に更新する返済額更新ステップと、を実行させることを特徴としてもよい。 The present invention compares the applied interest rate determined in the applied interest rate determination step with the applied interest rate applied to the loan contract included in the information on the contract conditions of the loan contract stored in the contract condition storage means. When the applied interest rate comparison step and the applied interest rate comparison step confirm that the applied interest rate determined in the applied interest rate determination step is less than the applied interest rate applied to the loan contract, the contract condition storage is performed. Means for reading the repayment deadline and the latest loan balance set in the loan contract included in the information on the contract condition of the loan contract stored in the contract condition storage means, and determining the loan balance in the applicable interest rate determining step Repayment amount per time when the applied interest rate is applied and repayment is made evenly on the principal and interest basis until the repayment date Repayment amount calculation step to be calculated, and the repayment amount to be updated to the repayment amount calculated in the repayment amount calculation step, the repayment amount per time included in the information on the contract terms of the loan contract stored in the contract condition storage means And a forehead updating step.
本発明において、適用金利が低下した場合にも、適用金利が上昇した場合と同様の演算によって、１回あたりの返済額を固定したまま返済期限を更新する（金利低下分だけ返済期間は短縮される）こととしてもよいが、適用金利が低下した場合については、上記のように一般的な元利均等返済と同様の演算によって、返済期限を固定して１回あたりの返済額を変更し（金利低下分だけ返済額は減少する）、債務者にかかる１回あたりの返済負担を軽減するよう構成してもよい。 In the present invention, even when the applicable interest rate decreases, the repayment date is updated with the repayment amount per time being fixed by the same calculation as when the applicable interest rate is increased (the repayment period is shortened by the decrease in interest rate). However, when the applicable interest rate falls, the repayment amount per change is changed by fixing the repayment deadline by the same calculation as the general repayment of principal and interest as described above (interest rate The amount of repayment will be reduced by the decrease), and the debtor's repayment burden per time may be reduced.
本発明は、本発明にかかるローン契約管理プログラムを備えた、ローン契約管理装置として特定することもできる。 The present invention can also be specified as a loan contract management apparatus including the loan contract management program according to the present invention.
本発明にかかるローン契約管理装置は、ローン金利の変動に対応してローン契約に定められた返済期限を更新するためのローン契約管理装置であって、ローン契約の契約条件に関する情報を記憶する契約条件記憶手段と、金利テーブルから読み出した、又は入力装置からの入力を受け付けた最新のローンの基準金利から、所定のローン契約に適用される適用金利を決定する適用金利決定手段と、前記契約条件記憶手段から、前記契約条件記憶手段に記憶されたローン契約の契約条件に関する情報に含まれる前記ローン契約において定められた１回あたりの返済基準額と最新のローン残高を読み出し、前記ローン残高に前記適用金利決定手段により決定された適用金利を適用して、元利均等で返済する場合の１回あたりの返済額が前記返済基準額となる返済回数を演算して返済期限を決定する返済期限決定手段と、前記契約条件記憶手段に記憶されたローン契約の契約条件に関する情報に含まれる前記ローン契約の返済期限を、前記返済期限決定手段により決定された返済期限に更新する返済期限更新手段と、を備えることを特徴とするローン契約管理装置である。 A loan contract management apparatus according to the present invention is a loan contract management apparatus for updating a repayment deadline set in a loan contract in response to a change in a loan interest rate, and a contract for storing information on contract conditions of a loan contract A condition storage means, an applicable interest rate determination means for determining an applicable interest rate to be applied to a predetermined loan contract, from a reference interest rate of the latest loan read out from the interest rate table or received an input from the input device; and the contract conditions From the storage means, the repayment reference amount per one time and the latest loan balance determined in the loan contract included in the information on the contract conditions of the loan contract stored in the contract condition storage means are read, and the loan balance Repayment amount per time when applying the applicable interest rate determined by the applicable interest rate determination means and paying back with equal interest and principal. Repayment due date determination means for calculating the repayment time by calculating the number of repayments, and the repayment due date determination for the repayment due date of the loan contract included in the information on the contract terms of the loan contract stored in the contract condition storage means A loan contract management device comprising: a repayment date update means for updating to a repayment date determined by the means.
本発明にかかるローン契約管理装置は、前記返済基準額には１回あたりの返済額の上限金額が設定されていて、前記返済期限決定手段は、前記上限金額を超過せず、かつ返済期限までの返済回数が整数回となる返済額を１回あたりの返済額として返済回数を演算し、前記返済期限を決定することを特徴とすることもできる。 In the loan contract management apparatus according to the present invention, an upper limit amount of the repayment amount per time is set in the repayment reference amount, and the repayment date determination means does not exceed the upper limit amount and the repayment date It is also possible to calculate the repayment count using the repayment amount for which the number of repayments is an integral number as the repayment amount per time, and determine the repayment deadline.
本発明にかかるローン契約管理装置は、前記返済基準額にはローン契約時に定められた１回あたりの返済額が設定されていて、前記返済期限決定手段は、返済期限までの返済回数が整数回とならない場合には、返済回数の端数を切り上げ又は切り下げて前記返済期限を決定することを特徴とすることもできる。 In the loan contract management apparatus according to the present invention, a repayment amount per time determined at the time of a loan contract is set in the repayment reference amount, and the repayment time limit determination unit is configured to make the number of repayments until the repayment time limit an integer number of times. If not, the repayment deadline may be determined by rounding up or down the fraction of the number of repayments.
本発明にかかるローン契約管理装置は、前記適用金利決定ステップにより決定された適用金利を、前記契約条件記憶手段に記憶されたローン契約の契約条件に関する情報に含まれる前記ローン契約に適用される適用金利と対比する適用金利対比手段と、前記適用金利対比手段において、前記適用金利決定手段により決定された適用金利が前記ローン契約に適用される適用金利に満たないことが確認された場合には、前記契約条件記憶手段から、前記契約条件記憶手段に記憶されたローン契約の契約条件に関する情報に含まれる前記ローン契約において定められた返済期限と最新のローン残高を読み出し、前記ローン残高に前記適用金利決定手段により決定された適用金利を適用して、前記返済期限まで元利均等で返済する場合の１回あたりの返済額を演算する返済額演算手段と、前記契約条件記憶手段に記憶されたローン契約の契約条件に関する情報に含まれる１回あたりの返済額を、前記返済額演算手段により演算された返済額に更新する返済額更新手段と、を備えることを特徴としてもよい。 The loan contract management apparatus according to the present invention is an application in which the applied interest rate determined in the applied interest rate determining step is applied to the loan contract included in the information on the contract conditions of the loan contract stored in the contract condition storage means. When it is confirmed that the applied interest rate comparing means for comparing with the interest rate, and the applied interest rate comparing means, the applied interest rate determined by the applied interest rate determining means is less than the applied interest rate applied to the loan contract, From the contract condition storage means, the repayment date and the latest loan balance determined in the loan contract included in the information on the contract conditions of the loan contract stored in the contract condition storage means are read, and the applicable interest rate is added to the loan balance. Applying the applicable interest rate determined by the determining means and paying back the repayment date with the same principal and interest The repayment amount calculating means for calculating the repayment amount, and the repayment amount per time included in the information on the contract conditions of the loan contract stored in the contract condition storage means to the repayment amount calculated by the repayment amount calculation means A repayment amount updating means for updating.
本発明は、本発明にかかるローン契約管理プログラム、又はローン契約管理装置によって実行される、ローン契約の管理方法として特定することもできる。 The present invention can also be specified as a loan contract management method executed by the loan contract management program or the loan contract management apparatus according to the present invention.
本発明にかかるローン契約の管理方法は、ローン金利の変動に対応してローン契約に定められた返済期限を更新するためのローン契約の管理方法であって、ローン契約を管理するコンピュータが、金利テーブルから読み出した、又は入力装置からの入力を受け付けた最新のローンの基準金利から、所定のローン契約に適用される適用金利を決定する適用金利決定ステップと、前記コンピュータが、前記ローン契約の契約条件に関する情報を記憶する契約条件記憶手段から、前記契約条件に関する情報に含まれる前記ローン契約において定められた１回あたりの返済基準額と最新のローン残高を読み出し、前記ローン残高に前記適用金利決定ステップで決定された適用金利を適用して、元利均等で返済する場合の１回あたりの返済額が前記返済基準額となる返済回数を演算して返済期限を決定する返済期限決定ステップと、前記コンピュータが、前記契約条件記憶手段に記憶されたローン契約の契約条件に関する情報に含まれる前記ローン契約の返済期限を、前記返済期限決定ステップで決定された返済期限に更新する返済期限更新ステップと、を有することを特徴とするローン契約の管理方法である。 A method for managing a loan contract according to the present invention is a method for managing a loan contract for updating a repayment deadline defined in a loan contract in response to a change in a loan interest rate. An applied interest rate determining step for determining an applied interest rate applied to a predetermined loan contract from a reference interest rate of the latest loan read out from the table or received an input from an input device; and Read the repayment reference amount and latest loan balance determined in the loan contract included in the information on the contract conditions from the contract condition storage means for storing information on the conditions, and determine the applicable interest rate in the loan balance Repayment amount per time when applying the applicable interest rate determined in the step and paying back with equal interest A repayment date determination step for calculating a repayment time by calculating a repayment number to be a quasi amount, and a repayment date of the loan contract included in the information on the contract conditions of the loan contract stored in the contract condition storage means by the computer A repayment date update step for updating the repayment date determined in the repayment date determination step, to a loan contract management method.
本発明にかかるローン契約の管理方法は、前記返済基準額には１回あたりの返済額の上限金額が設定されていて、前記返済期限決定ステップにおいて、前記コンピュータは、前記上限金額を超過せず、かつ返済期限までの返済回数が整数回となる返済額を１回あたりの返済額として返済回数を演算し、前記返済期限を決定することを特徴とすることもできる。 In the loan contract management method according to the present invention, an upper limit amount of repayment amount per time is set in the repayment reference amount, and the computer does not exceed the upper limit amount in the repayment term determining step. In addition, the repayment count may be calculated by calculating the repayment count as a repayment amount per repayment amount for which the repayment count until the repayment due date is an integer number.
本発明にかかるローン契約の管理方法は、前記返済基準額にはローン契約時に定められた１回あたりの返済額が設定されていて、前記返済期限決定ステップにおいて、返済期限までの返済回数が整数回とならない場合には、前記コンピュータは、返済回数の端数を切り上げ又は切り下げて前記返済期限を決定することを特徴とすることもできる。 In the method for managing a loan contract according to the present invention, a repayment amount per time determined at the time of a loan contract is set in the repayment reference amount, and the number of repayments until the repayment deadline is an integer in the repayment deadline determination step. In the case where the number of repayments is not reached, the computer may determine the repayment deadline by rounding up or down the fraction of the number of repayments.
本発明にかかるローン契約の管理方法は、前記コンピュータが、前記適用金利決定ステップで決定した適用金利を、前記契約条件記憶手段に記憶されたローン契約の契約条件に関する情報に含まれる前記ローン契約に適用される適用金利と対比する適用金利対比ステップと、前記コンピュータが、前記適用金利対比ステップにおいて、前記適用金利決定ステップで決定した適用金利が前記ローン契約に適用される適用金利に満たないことが確認された場合には、前記契約条件記憶手段から、前記契約条件記憶手段に記憶されたローン契約の契約条件に関する情報に含まれる前記ローン契約において定められた返済期限と最新のローン残高を読み出し、前記ローン残高に前記適用金利決定ステップで決定された適用金利を適用して、前記返済期限まで元利均等で返済する場合の１回あたりの返済額を演算する返済額演算ステップと、前記コンピュータが、前記契約条件記憶手段に記憶されたローン契約の契約条件に関する情報に含まれる１回あたりの返済額を、前記返済額演算ステップで演算された返済額に更新する返済額更新ステップと、を有することを特徴としてもよい。 According to the loan contract management method of the present invention, the computer applies the applied interest rate determined in the applied interest rate determination step to the loan contract included in the information on the contract conditions of the loan contract stored in the contract condition storage means. An applied interest rate comparing step that compares with an applied applied interest rate, and the applied interest rate determined in the applied interest rate determining step by the computer is less than an applied interest rate applied to the loan contract in the applied interest rate comparing step. If confirmed, the repayment date and the latest loan balance determined in the loan contract included in the information on the contract conditions of the loan contract stored in the contract condition storage means are read from the contract condition storage means, Applying the applicable interest rate determined in the applicable interest rate determining step to the loan balance, the repayment period A repayment amount calculating step for calculating a repayment amount for each repayment when the repayment is made evenly on the principal and interest; and the computer is included in the information on the contract terms of the loan contract stored in the contract condition storage means A repayment amount update step of updating the repayment amount to the repayment amount calculated in the repayment amount calculation step.
本発明によると、変動金利型のローンの適用金利が変動した際に、これによって生じる支払利息の変動を、１回あたりの返済額ではなく返済期限によって調整するので、変動金利型のローンにおける元利均等となる１回あたりの返済額が、金利の上昇局面においても増加することなく、債務者にかかる返済負担の増加を抑えることが可能になる。これによって、低金利期に実行された変動金利型の長期ローンに内在する金利上昇リスクに対応することが可能になり、債務者、債権者の双方のリスク管理に好適である。 According to the present invention, when the applicable interest rate of a variable interest rate type loan changes, the resulting change in interest expense is adjusted not by the repayment amount per time but by the repayment deadline. It is possible to suppress an increase in the repayment burden on the debtor without increasing the repayment amount per time evenly even in the rising interest rate phase. This makes it possible to cope with the interest rate rise risk inherent in the floating interest rate type long-term loan executed during the low interest rate period, and is suitable for risk management of both debtors and creditors.
尚、本発明によると、金利上昇時には返済回数の増加によって当初の条件よりも返済期限が後倒しとなり、返済期間が延長されることになるため、債権者が負担する与信リスクが高まる可能性が考えられるが、一般に金利上昇期には不動産等の資産価格も上昇し、住宅ローンであれば担保物件となる住宅の価格も上昇することが多いため、担保価値の上昇によって債権保全が強化されることによって、逆に債権者の負担するリスクが低下することも想定され、債権者に著しい不利益は生じにくいと考えられる。 According to the present invention, when the interest rate rises, the repayment date will be delayed compared to the original condition due to the increase in the number of repayments, and the repayment period will be extended. Although it is conceivable, in general, asset prices such as real estate will rise during the period when interest rates rise, and in the case of mortgage loans, the price of houses that serve as collateral will often rise. On the contrary, it is assumed that the risk borne by the creditor will decrease, and it is considered unlikely that a significant disadvantage will be caused to the creditor.
また、金利低下時にも同様の方法により返済回数を減少させることとする場合は、一回あたりの返済額が減少することはないので、金利が低下するデフレ下において実質的な返済負担が重くなる可能性が生じるが、逆にローンの期間が短縮されることによって、債務者の精神的な重圧感が軽減されるというメリットが生じることも考えられる。 Also, if the number of repayments is to be reduced in the same way even when interest rates decline, the amount of repayment per transaction will not decrease, so the substantial repayment burden will be heavy under deflation that lowers interest rates. There is a possibility, but conversely, the shortening of the loan period may have the benefit of reducing the mental pressure of the debtor.
本発明を実施するための形態について、図面を用いて以下に詳細に説明する。尚、以下の説明は本発明の実施形態の一例を示したものであって、データベースの構成や項目などの具体例によって、本発明が限定的に解釈されるものではない。 Embodiments for carrying out the present invention will be described below in detail with reference to the drawings. The following description shows an example of an embodiment of the present invention, and the present invention is not construed as being limited by specific examples such as the configuration and items of the database.
図１は、本発明にかかるローン契約管理装置の構成を示している。図１において、ローン契約管理装置１０は、顧客ＤＢ（データベース）１１、契約条件ＤＢ（データベース）１２、金利テーブル１３、入力処理部１４、出力処理部１５、金利情報更新部１６、返済条件更新部１７を含んで構成されている。ローン契約管理装置１０は、ＣＰＵ、メインメモリ、ＨＤＤ等の補助記憶装置を備え、アプリケーションプログラムによる演算処理が可能なコンピュータであればよく、その他のハードウェアの構成について特に限定されるものではない。 FIG. 1 shows the configuration of a loan contract management apparatus according to the present invention. In FIG. 1, a loan contract management apparatus 10 includes a customer DB (database) 11, a contract condition DB (database) 12, an interest rate table 13, an input processing unit 14, an output processing unit 15, an interest rate information updating unit 16, and a repayment condition updating unit. 17 is comprised. The loan contract management device 10 may be any computer that includes an auxiliary storage device such as a CPU, a main memory, and an HDD, and that can perform arithmetic processing using an application program. Other hardware configurations are not particularly limited.
ローン契約管理装置１０には、キーボードやマウス等の入力装置２０からデータの入力が可能であり、ローン契約管理装置１０による演算処理の結果は、ディスプレイやプリンタ等の出力装置３０に出力される。金利テーブル１３の金利情報は、ネットワークを介して接続された金利ＤＢ（データベース）４０から取得したデータにより更新するよう構成してもよい。
Data can be input to the loan contract management apparatus 10 from an input device 20 such as a keyboard or a mouse, and the result of the arithmetic processing by the loan contract management apparatus 10 is output to an
顧客ＤＢ（データベース）１１、契約条件ＤＢ（データベース）１２、金利テーブル１３には、コンピュータのＨＤＤ等の記憶装置の所定の記憶領域が割り当てられるが、これらの情報の記憶に用いられるハードウェアの構成は特に限定されるものではなく、ローン契約管理装置１０においてアプリケーションプログラムによる演算処理を実行するコンピュータと同一のコンピュータのＨＤＤに割り当てられるものであってもよいし、このコンピュータとは物理的に異なるデータベースサーバ等の他のコンピュータを用いることとしてもよい。 A predetermined storage area of a storage device such as an HDD of a computer is allocated to the customer DB (database) 11, the contract condition DB (database) 12, and the interest rate table 13. The configuration of hardware used for storing these pieces of information Is not particularly limited, and may be assigned to the HDD of the same computer as the computer that executes the arithmetic processing by the application program in the loan contract management apparatus 10, or may be a database physically different from this computer Another computer such as a server may be used.
入力処理部１４、出力処理部１５、金利情報更新部１６、返済条件更新部１７の各部は、いずれも機能的に特定されるものであって、これらの機能に対応するアプリケーションプログラムがＨＤＤ等の記憶装置からメインメモリに読み出され、ＣＰＵで演算処理が実行されることによって、各々の機能が実現される。 The input processing unit 14, the output processing unit 15, the interest rate information update unit 16, and the repayment condition update unit 17 are all functionally specified, and an application program corresponding to these functions is an HDD or the like. Each function is realized by reading from the storage device to the main memory and executing arithmetic processing by the CPU.
入力処理部１４は、入力装置２０からのデータの入力を受け付け、顧客ＤＢ１１や契約条件ＤＢ１２への情報の書き込み等の処理を実行する。出力処理部１５は、入力装置２０からのデータの出力命令を受け付けて、顧客ＤＢ１１や契約条件ＤＢ１２に記憶されたデータから生成した所定の情報を出力装置３０に出力する。
The input processing unit 14 receives input of data from the input device 20 and executes processing such as writing information into the
顧客ＤＢ１１には、ローンを利用する顧客の属性情報が記憶されている。図２は、顧客ＤＢ１１において顧客毎に設けられるレコードの一例を示したものであるが、各々の顧客を識別する顧客ＩＤと、顧客の氏名、住所等の属性情報が関連付けて記憶されている。
The
契約条件ＤＢ１２には、顧客との間で締結されたローン契約の契約条件に関する情報が記憶されている。図３は、契約条件ＤＢ１２において契約毎に設けられるレコードの一例を示したものであるが、各々の契約を識別する契約ＩＤと、ローンの元本、適用される金利、各回の返済額などの契約条件に関する情報が関連付けて記憶されている。尚、「初回適用金利」「各回返済上限」のフィールドは、後に説明する実施態様に応じて必要になる項目である。契約条件ＤＢ１２は、顧客ＤＢ１１と顧客ＩＤによって紐付けられ、一人の顧客が２以上のローン契約を締結する場合には、一の顧客ＩＤが契約条件ＤＢ１２の複数のレコードに書き込まれることになる。
The contract condition DB 12 stores information related to the contract conditions of the loan contract concluded with the customer. FIG. 3 shows an example of a record provided for each contract in the contract condition DB 12. The contract ID for identifying each contract, the loan principal, the applied interest rate, the repayment amount each time, etc. Information relating to contract terms is stored in association with each other. Note that the fields of “first applied interest rate” and “upper repayment upper limit” are items that are required according to the embodiment described later. The contract condition DB 12 is linked to the
ここで、例えば、あるローン契約についての返済予定を確認したい場合には、入力装置２０を操作して出力処理部１５に返済予定表の出力命令を行うと、契約条件ＤＢ１２から該当するローン契約の適用金利、最新の残高、返済期限などの情報を読み出して、これらの情報から図１４の例に示したような返済予定表を生成し、出力装置３０に出力する。
Here, for example, when it is desired to confirm the repayment schedule for a certain loan contract, when the output device 15 is operated to operate the input device 20 to output the repayment schedule table, the contract condition DB 12 displays the corresponding loan contract. Information such as the applicable interest rate, latest balance, repayment deadline, etc. is read out, and a repayment schedule as shown in the example of FIG. 14 is generated from these information and output to the
金利テーブル１３には、ローンの基準となる金利に関する情報が記憶されていて、変動金利型のローンに適用される金利の基準となる利率も、ここに記憶されている。住宅ローン等に適用される金利では、基準となる利率に顧客の信用力等に応じて設定された優遇条件を適用して、実際に適用する利率を決定することが一般的である。金利テーブル１３に記憶された金利情報は、金利情報更新部１６が定期的に起動され、金利ＤＢ４０から最新のデータを取得して更新されるが、金利情報の更新は入力装置２０から入力されるものであってもよい。
The interest rate table 13 stores information on interest rates serving as loan references, and the interest rates serving as reference interest rates applied to floating interest rate type loans are also stored therein. With regard to interest rates applied to mortgages, it is common to determine the interest rate that is actually applied by applying preferential conditions set according to the creditworthiness of customers to the standard interest rate. The interest rate information stored in the interest rate table 13 is updated by periodically starting the interest rate information updating unit 16 and acquiring the latest data from the
返済条件更新部１７は、本発明にかかるローン契約管理プログラムに対応する処理を実行する。返済条件更新部１７は、ローン契約に適用される金利の見直しを行うタイミングで起動され、契約条件ＤＢ１２に記憶された各々のローン契約の契約条件について、金利テーブル１３から最新の金利情報を読み出して金利変動の有無を判断し、金利が変動している場合には適用金利を変更し、これにあわせてローンの返済期限を調整して、ローンの返済条件を更新する。 The repayment condition update unit 17 executes processing corresponding to the loan contract management program according to the present invention. The repayment condition update unit 17 is activated at the timing of reviewing the interest rate applied to the loan contract, and reads the latest interest rate information from the interest rate table 13 for the contract conditions of each loan contract stored in the contract condition DB 12. Judgment is made on whether there is a change in the interest rate. If the interest rate has changed, the applicable interest rate is changed, and the loan repayment term is adjusted accordingly, and the repayment conditions for the loan are updated.
ここで、金利変動に伴う一般的なローンの返済条件の更新方法について、図４を用いて説明する。契約条件ＤＢ１２には、図３に例示した契約条件に関する情報が記憶されているという前提で、例えば、ローンの実行から１年が経過した後に、基準となる利率が２．２５％から２．５％に上昇し、優遇条件を反映した適用金利が１．２５％から１．５％に上昇すると、返済条件は次のような方法で更新される。 Here, a method for updating a general loan repayment condition accompanying interest rate fluctuation will be described with reference to FIG. On the assumption that the contract condition DB 12 stores information on the contract conditions illustrated in FIG. 3, for example, after one year has passed since the execution of the loan, the standard interest rate is 2.25% to 2.5 When the applicable interest rate reflecting the preferential conditions rises from 1.25% to 1.5%, the repayment conditions are updated in the following manner.
適用金利が変動した場合にも、通常、ローン契約で定められた返済期限が変更されることはない。そこで、返済期限、すなわち期限までの返済回数（２０３３年１月３１日までの２６５回）を固定したままで、最新の残高（２８，８７１，７２６円）に変動後の金利（１．５％）を適用して、元利均等となる１回あたりの返済額を演算する。その結果、１回あたりの返済額は１２８，０５７円となるので、返済条件のうち「各回返済額」のフィールドが１２８，０５７円に書き換えられることになる。 When the applicable interest rate fluctuates, the repayment date stipulated in the loan contract generally does not change. Therefore, with the repayment deadline, that is, the number of repayments until the deadline (265 times until January 31, 2033) fixed, the latest interest rate (28,871,726 yen) is changed to the interest rate after change (1.5% ) To calculate the repayment amount per time that is equal to principal and interest. As a result, since the repayment amount per time is 128,057 yen, the “each repayment amount” field in the repayment conditions is rewritten to 128,057 yen.
このように、従来の返済条件の更新方法では、返済期限を固定したまま、１回あたりの返済額を変動させることによって、金利変動によって生じる支払利息の増減を調整することとしている。そのため、金利が上昇すると１回あたりの返済額が増加し、債務者の返済負担が増すという問題が生じているが、本発明ではその逆の発想に基づき、１回あたりの返済額を固定し、返済期限を変動させることによって、金利変動によって生じる支払利息の増減を調整することとしている。そのため、金利上昇時であっても１回あたりの返済額が増加することはなく、債務者の返済負担が増すことを回避することができる。また、かかる調整を行うことを契約条件に明記することによって、返済期限の延長は契約条件に基づいて行われるため、債権者が条件変更（いわゆるリスケ）として扱う必要も生じない。 As described above, in the conventional method for updating repayment conditions, an increase / decrease in interest payments caused by interest rate fluctuations is adjusted by changing the repayment amount per time while fixing the repayment deadline. For this reason, if interest rates rise, the amount of repayment per transaction increases and the debtor's repayment burden increases. In the present invention, the repayment amount per transaction is fixed based on the opposite idea. By changing the repayment deadline, the interest payments caused by interest rate fluctuations are adjusted. Therefore, even if the interest rate rises, the repayment amount per time does not increase, and it is possible to avoid increasing the debtor's repayment burden. In addition, by specifying in the contract conditions that such adjustment is made, the repayment date is extended based on the contract conditions, so that it is not necessary for the creditor to treat it as a condition change (so-called risk).
金利変動によって返済条件がどのように更新されるかについて、以下に本発明の第１、第２の実施形態を説明する。第１の実施形態では、１回あたりの返済額についてあらかじめ上限金額を設定し、金利変動時には設定された上限金額を超えないで、返済回数が整数回であり元利均等となる１回あたりの返済額を演算する。第２の実施形態では、１回あたりの返済額を当初の返済額で固定し、金利変動時には当初の返済額から元利均等となる返済回数を演算し、返済回数が整数とならない場合は端数を切り上げ又は切り下げて最終回の返済額で調整する。 The first and second embodiments of the present invention will be described below as to how the repayment conditions are updated by the interest rate fluctuation. In the first embodiment, an upper limit is set in advance for the repayment amount per time, and when the interest rate fluctuates, the upper limit amount is not exceeded. Calculate the amount. In the second embodiment, the repayment amount per time is fixed at the initial repayment amount, and when the interest rate fluctuates, the repayment number that is equal to the principal and interest is calculated from the initial repayment amount. Round up or down to adjust the final repayment amount.
まず、１回あたりの返済額の上限金額を設定した第１の実施形態について説明する。第１の実施形態の前提として、契約条件ＤＢ１２には、図３に例示した契約条件に関する情報が記憶されているものとする。ここには「各回返済上限」として、１回あたりの返済額を１２５，０００円以下に抑えることが条件として設定されており、金利が変動した場合には、１回あたりの返済額が１２５，０００円以下であり、かつ１２５，０００円に最も近い金額で、元利均等返済の可能な金額が新たな返済額として決定される。 First, a first embodiment in which an upper limit amount of repayment amount per time is set will be described. As a premise of the first embodiment, it is assumed that the contract condition DB 12 stores information on the contract conditions illustrated in FIG. Here, as the “upper repayment upper limit”, the repayment amount per time is set to be 125,000 yen or less, and when the interest rate fluctuates, the repayment amount per time becomes 125, An amount that is equal to or less than 000 yen and that is closest to 125,000 yen and that can be repaid on the principal and interest is determined as a new repayment amount.
具体的には、図５に例示したように、ローンの実行から１年が経過した後に、基準となる利率が２．２５％から２．５％に上昇し、優遇条件を反映した適用金利が１．２５％から１．５％に上昇すると、返済条件は次のような方法で更新される。 Specifically, as illustrated in Figure 5, after one year has passed since the loan was executed, the base interest rate rose from 2.25% to 2.5%, and the applicable interest rate reflecting the preferential conditions When the rate increases from 1.25% to 1.5%, the repayment conditions are updated in the following manner.
ここでは、最新の残高（２８，８７１，７２６円）に変動後の金利（１．５％）を適用して、元利均等となる１回あたりの返済額を演算するが、返済回数を固定せず、１回あたりの返済額が１２５，０００円以下であり、かつ１２５，０００円に最も近い金額となる返済回数と返済額の組み合わせを演算する。ここでは、返済期限を２０３３年９月３０日（返済回数は２７３回）とした場合に１回あたりの返済額が１２４，８９２円となり、条件に合致することになるので、返済条件のうち「各回返済額」のフィールドが１２４，８９２円に、「返済期限」が２０３３年９月３０日に書き換えられることになる。 Here, applying the interest rate after change (1.5%) to the latest balance (28,871,726 yen) and calculating the repayment amount per time that is equal to the principal and interest, but fixing the number of repayments First, the combination of the number of repayments and the repayment amount that is the amount closest to 125,000 yen and the repayment amount per time is 125,000 yen or less is calculated. Here, when the repayment deadline is September 30, 2033 (repayment count is 273), the repayment amount per time is 124,892 yen, which matches the condition. The “repayment amount” field will be rewritten to 124,892 yen, and the “repayment deadline” will be rewritten on September 30, 2033.
このように、本実施形態によると、金利が上昇したにも関わらず１回あたりの返済額は１２５，０００円以下に抑えられ、金利上昇によって債務者の返済負担が増すことを回避している。返済期限の延長は契約条件に基づいて行われるものなので、かかる返済条件の更新が条件変更として扱われることもない。 As described above, according to the present embodiment, the repayment amount per time is suppressed to 125,000 yen or less in spite of an increase in the interest rate, thereby avoiding an increase in the repayment burden on the debtor due to the increase in the interest rate. . Since the extension of the repayment date is performed based on the contract conditions, the update of the repayment conditions is not treated as a condition change.
尚、上記のような元利均等計算については、表計算のスプレッドシートなどで用いられるＰＭＴ関数によって容易に算出することができる。ＰＭＴ関数では、１回あたりの返済額を、
ＰＭＴ（適用金利／１年間の返済回数，返済年数×１年間の返済回数，残高）
によって求めることができるので、従来の方法であればここに適用金利（年利）、１年間の返済回数と返済年数、残高等を代入して１回あたりの返済額を求めればよいが、本実施形態では返済年数（返済年数×１年間の返済回数＝返済回数の総合計）を変動させながら１回あたりの返済額のシミュレーションを行い、「各回返済上限」に定められた金額以下であり、かつこれに最も近似する金額を、１回あたりの返済額に決定する。
It should be noted that the principal and interest equality calculation as described above can be easily calculated by a PMT function used in a spreadsheet for spreadsheets. In the PMT function, the repayment amount per time is
PMT (Applicable interest rate / repayment number for one year, repayment period × repayment number for one year, balance)
In the case of the conventional method, the applicable interest rate (annual interest rate), the number of repayments for one year, the number of repayments, the balance, etc. can be substituted here to obtain the repayment amount per time. In the form, the amount of repayment (the total number of repayments × total number of repayments = total number of repayments) is simulated, and the amount of repayment per time is simulated. The amount closest to this is determined as the repayment amount per time.
次に、図６に例示したように、ローンの実行から１年が経過した後に、基準となる利率が２．２５％から２．０％に低下し、優遇条件を反映した適用金利が１．２５％から１．０％に低下すると、返済条件は次のような方法で更新される。尚、金利低下局面においては、新たな金利を適用することで債務者の返済負担が増すわけではないので、図７に示したように、従来と同様の方法とより返済期限を固定して１回あたりの返済額を演算することとしてもよい。 Next, as illustrated in FIG. 6, after one year has passed since the loan was executed, the base interest rate drops from 2.25% to 2.0%, and the applicable interest rate reflecting the preferential conditions is 1. When it decreases from 25% to 1.0%, the repayment conditions are updated in the following manner. In the interest rate decline phase, the debtor's repayment burden does not increase by applying a new interest rate. Therefore, as shown in FIG. It is good also as calculating the repayment amount per time.
図６の例でも、図５の場合と同様に、最新の残高（２８，８７１，７２６円）に変動後の金利（１．０％）を適用して、元利均等となる１回あたりの返済額を演算するが、返済回数を固定せず、１回あたりの返済額が１２５，０００円以下であり、かつ１２５，０００円に最も近い金額となる返済回数と返済額の組み合わせを演算する。ここでは、返済期限を２０３２年５月３１日（返済回数は２４７回）とした場合に１回あたりの返済額が１２４，８４７円となり、条件に合致することになるので、返済条件のうち「各回返済額」のフィールドが１２４，８４７円に、「返済期限」が２０３２年５月３１日に書き換えられることになる。 In the example of FIG. 6 as well, in the same way as in FIG. 5, the interest rate after change (1.0%) is applied to the latest balance (28,871,726 yen) and the repayment per one time becomes equal to principal and interest. The amount is calculated, but the number of repayments is not fixed, and the combination of the number of repayments and the amount of repayment that is the amount of repayment per transaction of 125,000 yen or less and the closest amount to 125,000 yen is calculated. Here, if the repayment deadline is May 31, 2032 (repayment count is 247), the repayment amount per time is 124,847 yen, which matches the conditions. The “repayment amount” field is rewritten to 124,847 yen, and the “repayment date” is rewritten on May 31, 2032.
図７の例では、金利変動によって債務者の返済負担が当初の計画より増すことがないかを確認するために、契約条件を記憶するテーブルには、当初の返済額を計算する基礎となった「初回適用金利」に関するデータを保持するフィールドを設けておく。金利変動後の適用金利がこの初回適用金利を超過しない場合は、金利変動によって債務者の返済負担が当初の計画より増すことはないと判断されるため、以下のように従来と同様の１回あたりの返済額の演算方法を適用する。 In the example of Fig. 7, in order to confirm whether the debtor's repayment burden will increase from the original plan due to fluctuations in interest rates, the table that stores the contract conditions is the basis for calculating the initial repayment amount. A field for holding data relating to the “first applied interest rate” is provided. If the applied interest rate after the interest rate fluctuation does not exceed this initial applied interest rate, it will be judged that the debtor's repayment burden will not increase from the original plan due to interest rate fluctuations. Apply the method of calculating the repayment amount per unit.
具体的には、返済期限、すなわち期限までの返済回数（２０３３年１月３１日までの２６５回）を固定したままで、最新の残高（２８，８７１，７２６円）に変動後の金利（１．０％）を適用して、元利均等となる１回あたりの返済額を演算する。その結果、１回あたりの返済額は１２１，３２９円となるので、返済条件のうち「各回返済額」のフィールドが１２１，３２９円に書き換えられることになる。 Specifically, the repayment deadline, that is, the number of repayments until the deadline (265 times until January 31, 2033) is fixed, and the interest rate (1) after the change to the latest balance (28,871,726 yen) .0%), and calculate the repayment amount per time that is equal to the principal and interest. As a result, since the repayment amount per time is 121,329 yen, the field of “each repayment amount” in the repayment conditions is rewritten to 121,329 yen.
以上の処理をフローチャートとしてまとめたのが、図８である。図１の返済条件更新部１７が起動されると、契約条件ＤＢ１２に記憶された契約条件を順次読み出し、変動金利の契約か（Ｓ０１）、金利の見直し月に該当するかを確認する（Ｓ０２）。変動金利ではなく固定金利である場合、金利の見直し月に該当しない場合には、当該契約条件に関する処理を終了する。 FIG. 8 summarizes the above processing as a flowchart. When the repayment condition update unit 17 of FIG. 1 is activated, the contract conditions stored in the contract condition DB 12 are sequentially read out to confirm whether the contract is a variable interest rate contract (S01) or the interest rate review month (S02). . If the interest rate is not a floating interest rate but a fixed interest rate, and it does not fall within the interest rate review month, the processing related to the contract terms is terminated.
次に、金利テーブル１３から市場金利が反映されたローンの基準となる金利（Ｓ０３）、契約条件ＤＢ１２から当該契約に適用されている優遇条件（Ｓ０４）をそれぞれ読み出して、当該契約に適用する金利を演算する（Ｓ０５）。演算された適用金利が、契約ＤＢ１２に記憶された現在の適用金利と一致しないか（Ｓ０６）、一致しない場合は金利が初回金利より高くなっていないか（Ｓ０７）を確認する。 Next, the interest rate (S03) as a loan reference reflecting the market interest rate is read from the interest rate table 13, and the preferential conditions (S04) applied to the contract are read from the contract condition DB 12, and the interest rate applied to the contract Is calculated (S05). It is confirmed whether the calculated applied interest rate does not match the current applied interest rate stored in the contract DB 12 (S06), and if not, whether the interest rate is higher than the initial interest rate (S07).
金利が上昇している場合には、契約条件ＤＢ１２から当該契約の最新のローン残高、１回あたりの返済の上限金額を読み出し（Ｓ０８）、１回あたりの返済額が上限金額以下であり、かつ上限金額に近似する元利均等となる返済金額と返済期限を決定する（Ｓ０９）。さらに、契約条件ＤＢ１２の当該契約に関する情報のうち、適用金利、各回返済額、返済期限を更新して（Ｓ１０）、当該契約条件に関する処理を終了する。 When the interest rate is rising, the latest loan balance of the contract is read from the contract condition DB 12 and the upper limit amount of repayment per time is read (S08), and the repayment amount per time is less than the upper limit amount, and The repayment amount and the repayment time limit that are equal to the principal and interest close to the upper limit amount are determined (S09). Furthermore, among the information related to the contract in the contract condition DB 12, the applicable interest rate, each repayment amount, and the repayment time limit are updated (S10), and the process related to the contract condition is ended.
金利が低下している場合についてもＳ０８〜Ｓ１０と同様の処理を行ってもよいが、次の方法によることとしてもよい。契約条件ＤＢ１２から当該契約の最新のローン残高、返済期限を読み出し（Ｓ１１）、返済期限を固定して元利均等となる１回あたりの返済額を演算し（Ｓ１２）、各回返済額に決定する。さらに、契約条件ＤＢ１２の当該契約に関する情報のうち、適用金利、各回返済額を更新して（Ｓ１３）、当該契約条件に関する処理を終了する。 Even when the interest rate is decreasing, the same processing as in S08 to S10 may be performed, but the following method may be employed. The latest loan balance and repayment due date of the contract are read from the contract condition DB 12 (S11), and the repayment amount per time that is equal to the principal and interest with the repayment time fixed is calculated (S12), and determined for each repayment amount. Furthermore, the applicable interest rate and each repayment amount are updated among the information on the contract in the contract condition DB 12 (S13), and the process on the contract condition is ended.
続いて、１回あたりの返済額を固定した第２の実施形態について説明する。第２の実施形態の前提として、契約条件ＤＢ１２には、図９に例示した契約条件に関する情報が記憶されているものとする。「初回適用金利」と「当初返済額」のフィールドは、金利低下時には１回あたりの返済額を減額する方法を選択する場合に必要になるものである。 Next, a second embodiment in which the repayment amount per time is fixed will be described. As a premise of the second embodiment, it is assumed that the contract condition DB 12 stores information on the contract conditions illustrated in FIG. The fields of “first applied interest rate” and “initial repayment amount” are necessary when selecting a method of reducing the repayment amount per time when the interest rate decreases.
図１０に例示したように、ローンの実行から１年が経過した後に、基準となる利率が２．２５％から２．５％に上昇し、優遇条件を反映した適用金利が１．２５％から１．５％に上昇すると、返済条件は次のような方法で更新される。 As illustrated in Fig. 10, the standard interest rate rose from 2.25% to 2.5% after one year from the execution of the loan, and the applicable interest rate reflecting preferential conditions from 1.25%. When it rises to 1.5%, the repayment conditions are updated in the following way.
ここでは、最新の残高（２８，８７１，７２６円）に変動後の金利（１．５％）を適用して、元利均等となる１回あたりの返済額を演算するが、返済回数を固定せず、１回あたりの返済額を当初と同じ１２４，７３５円に固定して、元利均等となる返済回数を演算する。ここでは、返済回数が整数とはならず端数が生じるものの、端数分に対応する元利金を最終回に返済するものとして、返済期限を２０３３年１０月３１日（返済回数は２７４回）に設定し、返済条件のうち「返済期限」が２０３３年１０月３１日に書き換えられることになる。尚、上記のように端数分を切り上げて返済回数を演算する他に、端数分を切り下げて最終回に端数分も含めて返済することとし、返済期限を２０３３年９月３０日（返済回数は２７３回）に設定することとしてもよい。 Here, applying the interest rate after change (1.5%) to the latest balance (28,871,726 yen) and calculating the repayment amount per time that is equal to the principal and interest, but fixing the number of repayments First, the repayment amount per time is fixed at 124,735 yen, which is the same as the initial amount, and the number of repayments equal to the principal and interest is calculated. Here, although the repayment count is not an integer and a fraction occurs, the repayment deadline is set to October 31, 2033 (repayment count is 274), assuming that the principal and interest corresponding to the fraction is to be repaid In the repayment conditions, the “repayment deadline” is rewritten on October 31, 2033. In addition to calculating the number of repayments by rounding up the fraction as described above, the fractional part is rounded down to repay including the fractional part, and the repayment deadline is September 30, 2033. 273 times).
このように、本実施形態によると、金利が上昇したにも関わらず１回あたりの返済額は１２４，７３５円で固定され（但し、最終回のみは端数調整で異なる金額となる）、金利上昇によって債務者の返済負担が増すことを回避している。本実施形態においても、返済期限の延長は契約条件に基づいて行われるものなので、かかる返済条件の更新が条件変更として扱われることはない。 As described above, according to the present embodiment, the repayment amount per time is fixed at 124,735 yen (however, only the final time becomes a different amount by fractional adjustment), despite the increase in interest rate, and the interest rate rises. This avoids increasing the debtor's repayment burden. Also in this embodiment, since the extension of the repayment date is performed based on the contract condition, the update of the repayment condition is not treated as a condition change.
尚、上記のような元利均等計算についても、表計算のスプレッドシートなどで用いられるＰＭＴ関数によって容易に算出することができる。前述のとおり、ＰＭＴ関数では１回あたりの返済額を、
ＰＭＴ（適用金利／１年間の返済回数，返済年数×１年間の返済回数，残高）
によって求めることができるので、従来の方法であればここに適用金利（年利）、１年間の返済回数と返済年数、残高等を代入して１回あたりの返済額を求めればよいが、本実施形態では解となる１回あたりの返済額を固定し、逆算することによって返済年数（返済年数×１年間の返済回数＝返済回数の総合計）を決定する。
It should be noted that the principal and interest equality calculation as described above can be easily calculated by a PMT function used in a spreadsheet for spreadsheets. As mentioned above, the repayment amount per time in the PMT function,
PMT (Applicable interest rate / repayment number for one year, repayment period × repayment number for one year, balance)
In the case of the conventional method, the applicable interest rate (annual interest rate), the number of repayments for one year, the number of repayments, the balance, etc. can be substituted here to obtain the repayment amount per time. In the form, the repayment amount per time as a solution is fixed, and the repayment years (repayment year × repayment number in one year = total number of repayments) is determined by performing reverse calculation.
次に、図１１に例示したように、ローンの実行から１年が経過した後に、基準となる利率が２．２５％から２．０％に低下し、優遇条件を反映した適用金利が１．２５％から１．０％に低下すると、返済条件は次のような方法で更新される。尚、金利低下局面においては、新たな金利を適用することで債務者の返済負担が増すわけではないので、図１２に示したように、従来と同様の方法とより返済期限を固定して１回あたりの返済額を演算することとしてもよい。 Next, as illustrated in FIG. 11, after one year has passed since the loan was executed, the base interest rate drops from 2.25% to 2.0%, and the applicable interest rate reflecting the preferential conditions is 1. When it decreases from 25% to 1.0%, the repayment conditions are updated in the following manner. In the interest rate decline phase, the debtor's repayment burden does not increase by applying a new interest rate. Therefore, as shown in FIG. It is good also as calculating the repayment amount per time.
図１１の例でも、図１０の場合と同様に、最新の残高（２８，８７１，７２６円）に変動後の金利（１．０％）を適用して、元利均等となる１回あたりの返済額を演算するが、返済回数を固定せず、１回あたりの返済額を当初と同じ１２４，７３５円に固定して、元利均等となる返済回数を演算する。ここでは、返済回数が整数とはならず端数が生じるものの、端数分に対応する元利金を最終回に返済するものとして、返済期限を２０３２年６月３０日（返済回数は２４８回）に設定し、返済条件のうち「返済期限」が２０３２年６月３０日に書き換えられることになる。尚、上記のように端数分を切り上げて返済回数を演算する他に、端数分を切り下げて最終回に端数分も含めて返済することとし、返済期限を２０３２年５月３１日（返済回数は２４７回）に設定することとしてもよい。 In the example of FIG. 11 as well as in the case of FIG. 10, the interest rate after change (1.0%) is applied to the latest balance (28,871,726 yen), and the repayment per one time becomes equal to the principal and interest Although the amount is calculated, the repayment count is not fixed, but the repayment amount per time is fixed to 124,735 yen, which is the same as the original, and the repayment count equal to the principal and interest is calculated. Here, although the repayment count is not an integer and a fraction occurs, the repayment deadline is set to June 30, 2032 (the repayment count is 248), assuming that the principal and interest corresponding to the fraction is to be repaid In the repayment conditions, the “repayment deadline” is rewritten on June 30, 2032. In addition to calculating the repayment count by rounding up the fraction as described above, the repayment deadline is May 31, 2032 (the repayment count is 247 times).
図１２の例では、金利変動によって債務者の返済負担が当初の計画より増すことがないかを確認するために、契約条件を記憶するテーブルには、当初の返済額を計算する基礎となった「初回適用金利」に関するデータを保持するフィールドを設けておく。金利変動後の適用金利がこの初回適用金利を超過しない場合は、金利変動によって債務者の返済負担が当初の計画より増すことはないと判断されるため、以下のように従来と同様の１回あたりの返済額の演算方法を適用する。 In the example of FIG. 12, in order to check whether the debtor's repayment burden will increase from the original plan due to fluctuations in interest rates, the table for storing the contract conditions is the basis for calculating the initial repayment amount. A field for holding data relating to the “first applied interest rate” is provided. If the applied interest rate after the interest rate fluctuation does not exceed this initial applied interest rate, it will be judged that the debtor's repayment burden will not increase from the original plan due to interest rate fluctuations. Apply the method of calculating the repayment amount per unit.
具体的には、返済期限、すなわち期限までの返済回数（２０３３年１月３１日までの２６５回）を固定したままで、最新の残高（２８，８７１，７２６円）に変動後の金利（１．０％）を適用して、元利均等となる１回あたりの返済額を演算する。その結果、１回あたりの返済額は１２１，３２９円となるので、返済条件のうち「各回返済額」のフィールドが１２１，３２９円に書き換えられることになる。 Specifically, the repayment deadline, that is, the number of repayments until the deadline (265 times until January 31, 2033) is fixed, and the interest rate (1) after the change to the latest balance (28,871,726 yen) .0%), and calculate the repayment amount per time that is equal to the principal and interest. As a result, since the repayment amount per time is 121,329 yen, the field of “each repayment amount” in the repayment conditions is rewritten to 121,329 yen.
尚、ここで「各回返済額」のフィールドが書き換えられると、次回以降に金利が変動した際に、返済回数を演算する基準となる当初の１回あたりの返済額が不明となり、返済回数が算出不能となってしまうおそれがある。そこで、図１２の例に示したように、適用金利を記録するフィールドとは別に、当初の１回あたりの返済額を保持する「初回適用金利」のフィールドを設けておくことが好ましい。 In addition, when the field of “repayment amount for each repayment” is rewritten here, when the interest rate fluctuates after the next time, the initial repayment amount that is the basis for calculating the repayment number becomes unknown, and the repayment number is calculated. May become impossible. Therefore, as shown in the example of FIG. 12, it is preferable to provide a “first applied interest rate” field that holds the initial repayment amount separately from the field for recording the applied interest rate.
以上の処理をフローチャートとしてまとめたのが、図１３である。図１の返済条件更新部１７が起動されると、契約条件ＤＢ１２に記憶された契約条件を順次読み出し、変動金利の契約か（Ｓ２１）、金利の見直し月に該当するかを確認する（Ｓ２２）。変動金利ではなく固定金利である場合、金利の見直し月に該当しない場合には、当該契約条件に関する処理を終了する。 FIG. 13 summarizes the above processing as a flowchart. When the repayment condition update unit 17 of FIG. 1 is activated, the contract conditions stored in the contract condition DB 12 are sequentially read out to confirm whether the contract is a floating interest rate contract (S21) or falls within the interest rate review month (S22). . If the interest rate is not a floating interest rate but a fixed interest rate, and it does not fall within the interest rate review month, the processing related to the contract terms is terminated.
次に、金利テーブル１３から市場金利が反映されたローンの基準となる金利（Ｓ２３）、契約条件ＤＢ１２から当該契約に適用されている優遇条件（Ｓ２４）をそれぞれ読み出して、当該契約に適用する金利を演算する（Ｓ２５）。演算された適用金利が、契約ＤＢ１２に記憶された現在の適用金利と一致しないか（Ｓ２６）、一致しない場合は金利が初回金利より高くなっていないか（Ｓ２７）を確認する。 Next, the interest rate (S23) serving as a loan reference reflecting the market interest rate is read from the interest rate table 13, and the preferential conditions (S24) applied to the contract are read from the contract condition DB 12, and the interest rate applied to the contract Is calculated (S25). It is confirmed whether the calculated applied interest rate does not match the current applied interest rate stored in the contract DB 12 (S26), and if not, whether the interest rate is higher than the initial interest rate (S27).
金利が上昇している場合には、契約条件ＤＢ１２から当該契約の最新のローン残高、１回あたりの返済額（金利低下によって返済額が当初より減額されている場合は当初の返済額）を読み出し（Ｓ２８）、１回あたりの返済額を固定して元利均等で返済する場合の返済期限を決定する（Ｓ２９）。ここで返済回数に端数が生じれば、切り上げ又は切り下げによって最終回の返済額で調整する。さらに、契約条件ＤＢ１２の当該契約に関する情報のうち、適用金利、返済期限を更新して（Ｓ３０）、当該契約条件に関する処理を終了する。 If the interest rate has risen, read the latest loan balance of the contract from the contract condition DB 12 and the repayment amount per transaction (or the original repayment amount if the repayment amount has been reduced from the beginning due to a decline in interest rates) (S28) The repayment time limit is determined when the repayment amount per time is fixed and repayment is made with equal interest (S29). If a fraction occurs in the number of repayments, the final repayment amount is adjusted by rounding up or down. Furthermore, the applicable interest rate and repayment deadline are updated in the information on the contract in the contract condition DB 12 (S30), and the process on the contract condition is terminated.
金利が低下している場合についてもＳ２８〜Ｓ３０と同様の処理を行ってもよいが、次の方法によることとしてもよい。契約条件ＤＢ１２から当該契約の最新のローン残高、返済期限を読み出し（Ｓ３１）、返済期限を固定して元利均等となる１回あたりの返済額を演算し（Ｓ３２）、各回返済額に決定する。さらに、契約条件ＤＢ１２の当該契約に関する情報のうち、適用金利、各回返済額を更新して（Ｓ３３）、当該契約条件に関する処理を終了する。 Even when the interest rate is decreasing, the same processing as S28 to S30 may be performed, but the following method may be used. The latest loan balance and repayment due date of the contract are read from the contract condition DB 12 (S31), and the repayment amount per time that is equal to the principal and interest is calculated by fixing the repayment term (S32), and determined as each repayment amount. Furthermore, the applicable interest rate and each repayment amount are updated in the information on the contract in the contract condition DB 12 (S33), and the process on the contract condition is ended.
１０ ローン契約管理装置
１１ 顧客ＤＢ
１２ 契約条件ＤＢ
１３ 金利テーブル
１４ 入力処理部
１５ 出力処理部
１６ 金利情報更新部
１７ 返済条件更新部
２０ 入力装置
３０ 出力装置
４０ 金利ＤＢ
10 Loan
12 Contract terms DB
13 Interest rate table 14 Input processing unit 15 Output processing unit 16 Interest rate information update unit 17 Repayment condition update unit 20
Claims (12)
金利テーブルから読み出した、又は入力装置からの入力を受け付けた最新のローンの基準金利から、所定のローン契約に適用される適用金利を決定する適用金利決定ステップと、
前記ローン契約の契約条件に関する情報を記憶する契約条件記憶手段から、前記契約条件に関する情報に含まれる前記ローン契約において定められた１回あたりの返済基準額と最新のローン残高を読み出し、前記ローン残高に前記適用金利決定ステップで決定された適用金利を適用して、元利均等で返済する場合の１回あたりの返済額が前記返済基準額となる返済回数を演算して返済期限を決定する返済期限決定ステップと、
前記契約条件記憶手段に記憶されたローン契約の契約条件に関する情報に含まれる前記ローン契約の返済期限を、前記返済期限決定ステップで決定された返済期限に更新する返済期限更新ステップと、
を実行させることを特徴とするローン契約管理プログラム。 A loan contract management program for updating the repayment date set in a loan contract in response to fluctuations in loan interest rates.
An applied interest rate determination step for determining an applied interest rate applied to a predetermined loan contract from a reference interest rate of the latest loan read out from the interest rate table or received an input from an input device;
Read from the contract condition storage means for storing information related to the contract terms of the loan contract, the repayment reference amount per one time and the latest loan balance determined in the loan contract included in the information related to the contract terms, and the loan balance Repayment deadline to calculate the repayment deadline by calculating the number of repayments when the repayment amount per payment becomes the repayment reference amount when applying the applicable interest rate determined in the applicable interest rate determination step to A decision step;
A repayment due date updating step for updating the repayment due date of the loan contract included in the information on the contract terms of the loan contract stored in the contract condition storing means to the repayment due date determined in the repayment due date determining step;
A loan contract management program characterized by causing
前記返済期限決定ステップでは、前記上限金額を超過せず、かつ返済期限までの返済回数が整数回となる返済額を１回あたりの返済額として返済回数を演算し、前記返済期限を決定すること
を特徴とする請求項１記載のローン契約管理プログラム。 The repayment standard amount has a maximum amount of repayment per transaction,
In the repayment date determination step, the repayment time is determined by calculating the repayment amount as a repayment amount per time that does not exceed the upper limit amount and the number of repayments until the repayment date is an integer number of times, and determining the repayment date The loan contract management program according to claim 1.
前記返済期限決定ステップでは、返済期限までの返済回数が整数回とならない場合には、返済回数の端数を切り上げ又は切り下げて前記返済期限を決定すること
を特徴とする請求項１記載のローン契約管理プログラム。 The repayment standard amount is set to the repayment amount per time determined at the time of loan contract,
The loan contract management according to claim 1, wherein, in the repayment deadline determination step, if the number of repayments until the repayment deadline is not an integer number, the repayment deadline is determined by rounding up or down the fraction of the repayment times. program.
前記適用金利決定ステップで決定した適用金利を、前記契約条件記憶手段に記憶されたローン契約の契約条件に関する情報に含まれる前記ローン契約に適用される適用金利と対比する適用金利対比ステップと、
前記適用金利対比ステップにおいて、前記適用金利決定ステップで決定した適用金利が前記ローン契約に適用される適用金利に満たないことが確認された場合には、前記契約条件記憶手段から、前記契約条件記憶手段に記憶されたローン契約の契約条件に関する情報に含まれる前記ローン契約において定められた返済期限と最新のローン残高を読み出し、前記ローン残高に前記適用金利決定ステップで決定された適用金利を適用して、前記返済期限まで元利均等で返済する場合の１回あたりの返済額を演算する返済額演算ステップと、
前記契約条件記憶手段に記憶されたローン契約の契約条件に関する情報に含まれる１回あたりの返済額を、前記返済額演算ステップで演算された返済額に更新する返済額更新ステップと、
を実行させることを特徴とする請求項１乃至３いずれかに記載のローン契約管理プログラム。 In the computer,
An applied interest rate comparing step for comparing the applied interest rate determined in the applied interest rate determining step with the applied interest rate applied to the loan contract included in the information on the contract conditions of the loan contract stored in the contract condition storage unit;
In the applied interest rate comparison step, when it is confirmed that the applied interest rate determined in the applied interest rate determining step is less than the applied interest rate applied to the loan contract, the contract condition storage unit stores the contract condition storage. Read the repayment date and the latest loan balance set in the loan contract included in the information on the terms and conditions of the loan contract stored in the means, and apply the applied interest rate determined in the applied interest rate determination step to the loan balance A repayment amount calculating step of calculating a repayment amount per time in the case of repayment with the principal and interest until the repayment deadline;
A repayment amount update step for updating the repayment amount per time included in the information on the contract terms of the loan contract stored in the contract condition storage means to the repayment amount calculated in the repayment amount calculation step;
The loan contract management program according to claim 1, wherein the loan contract management program is executed.
ローン契約の契約条件に関する情報を記憶する契約条件記憶手段と、
金利テーブルから読み出した、又は入力装置からの入力を受け付けた最新のローンの基準金利から、所定のローン契約に適用される適用金利を決定する適用金利決定手段と、
前記契約条件記憶手段から、前記契約条件記憶手段に記憶されたローン契約の契約条件に関する情報に含まれる前記ローン契約において定められた１回あたりの返済基準額と最新のローン残高を読み出し、前記ローン残高に前記適用金利決定手段により決定された適用金利を適用して、元利均等で返済する場合の１回あたりの返済額が前記返済基準額となる返済回数を演算して返済期限を決定する返済期限決定手段と、
前記契約条件記憶手段に記憶されたローン契約の契約条件に関する情報に含まれる前記ローン契約の返済期限を、前記返済期限決定手段により決定された返済期限に更新する返済期限更新手段と、
を備えることを特徴とするローン契約管理装置。 A loan contract management device for updating a repayment date set in a loan contract in response to a change in a loan interest rate,
Contract condition storage means for storing information on the contract conditions of the loan contract;
An applied interest rate determining means for determining an applied interest rate applied to a predetermined loan contract from a reference interest rate of the latest loan read out from the interest rate table or received an input from an input device;
From the contract condition storage means, the repayment reference amount per transaction and the latest loan balance determined in the loan contract included in the information on the contract conditions of the loan contract stored in the contract condition storage means are read out, and the loan Repayment that determines the repayment deadline by calculating the number of repayments when the repayment amount per repayment is the repayment base amount when applying the applicable interest rate determined by the applicable interest rate determination means to the balance, A deadline determining means;
Repayment date update means for updating the repayment date of the loan contract included in the information on the contract terms of the loan contract stored in the contract condition storage means to the repayment date determined by the repayment date determination means;
A loan contract management apparatus comprising:
前記返済期限決定手段は、前記上限金額を超過せず、かつ返済期限までの返済回数が整数回となる返済額を１回あたりの返済額として返済回数を演算し、前記返済期限を決定すること
を特徴とする請求項５記載のローン契約管理装置。 The repayment standard amount has a maximum amount of repayment per transaction,
The repayment deadline determining means calculates the repayment number by calculating the repayment amount as a repayment amount per time, which does not exceed the upper limit amount and the number of repayments until the repayment deadline is an integer number, and determines the repayment deadline 6. The loan contract management apparatus according to claim 5.
前記返済期限決定手段は、返済期限までの返済回数が整数回とならない場合には、返済回数の端数を切り上げ又は切り下げて前記返済期限を決定すること
を特徴とする請求項５記載のローン契約管理装置。 The repayment standard amount is set to the repayment amount per time determined at the time of loan contract,
6. The loan contract management according to claim 5, wherein the repayment date determination means determines the repayment date by rounding up or down a fraction of the number of repayments when the number of repayments until the repayment date is not an integer number. apparatus.
前記適用金利対比手段において、前記適用金利決定手段により決定された適用金利が前記ローン契約に適用される適用金利に満たないことが確認された場合には、前記契約条件記憶手段から、前記契約条件記憶手段に記憶されたローン契約の契約条件に関する情報に含まれる前記ローン契約において定められた返済期限と最新のローン残高を読み出し、前記ローン残高に前記適用金利決定手段により決定された適用金利を適用して、前記返済期限まで元利均等で返済する場合の１回あたりの返済額を演算する返済額演算手段と、
前記契約条件記憶手段に記憶されたローン契約の契約条件に関する情報に含まれる１回あたりの返済額を、前記返済額演算手段により演算された返済額に更新する返済額更新手段と、
を備えることを特徴とする請求項５乃至７いずれかに記載のローン契約管理装置。 An applied interest rate comparing means for comparing the applied interest rate determined in the applied interest rate determining step with an applied interest rate applied to the loan contract included in the information on the contract conditions of the loan contract stored in the contract condition storage means;
In the applied interest rate comparison means, when it is confirmed that the applied interest rate determined by the applied interest rate determining means is less than the applied interest rate applied to the loan contract, the contract condition storage means Read the repayment date and latest loan balance set in the loan contract included in the information on the contract terms of the loan contract stored in the storage means, and apply the applicable interest rate determined by the applicable interest rate determination means to the loan balance A repayment amount calculating means for calculating a repayment amount per time in the case of repayment with the principal and interest until the repayment deadline;
Repayment amount updating means for updating the repayment amount per time included in the information on the contract terms of the loan contract stored in the contract condition storage means to the repayment amount calculated by the repayment amount calculation means;
The loan contract management apparatus according to any one of claims 5 to 7, further comprising:
ローン契約を管理するコンピュータが、金利テーブルから読み出した、又は入力装置からの入力を受け付けた最新のローンの基準金利から、所定のローン契約に適用される適用金利を決定する適用金利決定ステップと、
前記コンピュータが、前記ローン契約の契約条件に関する情報を記憶する契約条件記憶手段から、前記契約条件に関する情報に含まれる前記ローン契約において定められた１回あたりの返済基準額と最新のローン残高を読み出し、前記ローン残高に前記適用金利決定ステップで決定された適用金利を適用して、元利均等で返済する場合の１回あたりの返済額が前記返済基準額となる返済回数を演算して返済期限を決定する返済期限決定ステップと、
前記コンピュータが、前記契約条件記憶手段に記憶されたローン契約の契約条件に関する情報に含まれる前記ローン契約の返済期限を、前記返済期限決定ステップで決定された返済期限に更新する返済期限更新ステップと、
を有することを特徴とするローン契約の管理方法。 A method for managing a loan contract for renewing a repayment date defined in a loan contract in response to a change in a loan interest rate,
An applied interest rate determining step in which a computer managing the loan contract determines an applied interest rate applied to a predetermined loan contract from a reference interest rate of the latest loan read out from the interest rate table or received input from the input device;
The computer reads the repayment reference amount per transaction and the latest loan balance determined in the loan contract included in the information on the contract conditions from the contract condition storage means for storing information on the contract conditions of the loan contract , Applying the applicable interest rate determined in the applicable interest rate determination step to the loan balance and calculating the repayment deadline by calculating the number of repayments when the repayment amount per payment becomes the repayment reference amount A repayment date determination step to be determined;
A repayment due date updating step in which the computer updates the repayment due date of the loan contract included in the information on the contract terms of the loan contract stored in the contract term storing means to the repayment due date determined in the repayment due date determining step; ,
A method for managing a loan contract, comprising:
前記返済期限決定ステップにおいて、前記コンピュータは、前記上限金額を超過せず、かつ返済期限までの返済回数が整数回となる返済額を１回あたりの返済額として返済回数を演算し、前記返済期限を決定すること
を特徴とする請求項９記載のローン契約の管理方法。 The repayment standard amount has a maximum amount of repayment per transaction,
In the repayment date determination step, the computer calculates the number of repayments using a repayment amount that does not exceed the upper limit amount and the number of repayments until the repayment date is an integer number of repayments per time, and the repayment date The loan contract management method according to claim 9, further comprising: determining a loan contract.
前記返済期限決定ステップにおいて、返済期限までの返済回数が整数回とならない場合には、前記コンピュータは、返済回数の端数を切り上げ又は切り下げて前記返済期限を決定すること
を特徴とする請求項９記載のローン契約の管理方法。 The repayment standard amount is set to the repayment amount per time determined at the time of loan contract,
10. The repayment date determination step, wherein if the number of repayments until the repayment date is not an integer number, the computer determines the repayment date by rounding up or down a fraction of the number of repayments. To manage your loan agreement.
前記コンピュータが、前記適用金利対比ステップにおいて、前記適用金利決定ステップで決定した適用金利が前記ローン契約に適用される適用金利に満たないことが確認された場合には、前記契約条件記憶手段から、前記契約条件記憶手段に記憶されたローン契約の契約条件に関する情報に含まれる前記ローン契約において定められた返済期限と最新のローン残高を読み出し、前記ローン残高に前記適用金利決定ステップで決定された適用金利を適用して、前記返済期限まで元利均等で返済する場合の１回あたりの返済額を演算する返済額演算ステップと、
前記コンピュータが、前記契約条件記憶手段に記憶されたローン契約の契約条件に関する情報に含まれる１回あたりの返済額を、前記返済額演算ステップで演算された返済額に更新する返済額更新ステップと、
を有することを特徴とする請求項９乃至１１いずれかに記載のローン契約の管理方法。 An applied interest rate contrast in which the computer compares the applied interest rate determined in the applied interest rate determining step with an applied interest rate applied to the loan contract included in the information on the contract conditions of the loan contract stored in the contract condition storage means. Steps,
When the computer confirms that the applied interest rate determined in the applied interest rate determining step is less than the applied interest rate applied to the loan contract in the applied interest rate comparison step, from the contract condition storage means, Reads the repayment date and the latest loan balance set in the loan contract included in the information on the contract condition of the loan contract stored in the contract condition storage means, and applies the loan balance determined in the applied interest rate determination step to the loan balance A repayment amount calculating step for calculating a repayment amount per time when applying an interest rate and repayment with the principal and interest until the repayment deadline;
A repayment amount update step in which the computer updates the repayment amount per time included in the information on the contract terms of the loan contract stored in the contract condition storage means to the repayment amount calculated in the repayment amount calculation step; ,
The loan contract management method according to claim 9, comprising:
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