JP2011209890A5

JP2011209890A5 -

Info

Publication number: JP2011209890A5
Application number: JP2010075551A
Authority: JP
Filing date: 2010-03-29
Publication date: 2013-05-23
Anticipated expiration: 2030-03-29

Description

本発明の一態様は、上記目的を達成するため、コンピュータを、記憶手段に記憶されている利用者に関する情報のうち時期とともに入力された世帯収入に関する情報に基づいて当該利用者の収入の推移を試算する収入推移試算手段と、前記記憶手段に記憶されている経済指標に基づく予測情報のうち住宅ローン金利の予測情報、及び利用者が選択する住宅ローンの借り換え時期と借り換え後のローン種別を含む住宅ローンの返済条件に基づいて当該利用者の住宅ローン返済額を試算する住宅ローン返済額試算手段と、前記記憶手段に記憶されている前記利用者に関する情報のうち時期とともに入力された世帯支出に関する情報、前記予測情報及び前記住宅ローン返済額試算手段が試算する前記住宅ローン返済額に基づいて当該利用者の支出の推移を試算する支出推移試算手段と、前記収入推移試算手段が試算する収入推移、前記支出推移試算手段が試算する支出推移及び前記住宅ローン返済額試算手段が試算する返済額の推移を一同に表示部に表示する生涯収支推移表示手段として機能させるための生活設計支援プログラムを提供する。 One aspect of the present invention, in order to achieve the above object, changes in income of the user based on a computer, the information relating to household income input with timing of the information about the user stored in the memorize means Revenue transition estimation means for estimating the mortgage interest rate prediction information based on the economic index stored in the storage means , and the mortgage refinancing timing and loan type after refinancing selected by the user Mortgage repayment amount calculation means for calculating the mortgage repayment amount of the user based on the mortgage repayment condition including the household expenditure entered with the time among the information on the user stored in the storage means information, the prediction information and the expenditures of the user based on the mortgage repayments the mortgage repayments estimation means is estimated Expenditure transition trial calculation means to estimate transfer, income transition estimated by the income transition trial calculation means, expenditure transition calculated by the expenditure transition trial calculation means, and transition of repayment amount calculated by the mortgage repayment trial calculation means A life design support program for functioning as a lifetime balance display means for displaying in a department is provided.

また、本発明の他の態様は、上記目的を達成するため、記憶手段に記憶されている利用者に関する情報のうち時期とともに入力された世帯収入に関する情報に基づいて当該利用者の収入の推移を試算する収入推移試算手段と、前記記憶手段に記憶されている経済指標に基づく予測情報のうち住宅ローン金利の予測情報及び利用者が選択する住宅ローンの借り換え時期と借り換え後のローン種別を含む住宅ローンの返済条件に基づいて当該利用者の住宅ローン返済額を試算する住宅ローン返済額試算手段と、前記記憶手段に記憶されている前記利用者に関する情報のうち時期とともに入力された世帯支出に関する情報、前記予測情報及び前記住宅ローン返済額試算手段が試算する前記住宅ローン返済額に基づいて当該利用者の支出の推移を試算する支出推移試算手段と、前記収入推移試算手段が試算する収入推移、前記支出推移試算手段が試算する支出推移及び前記住宅ローン返済額試算手段が試算する返済額の推移を一同に表示部に表示する生涯収支推移表示手段とを備えた生活設計支援システムを提供する。
Another aspect of the present invention, in order to achieve the above object, the transition of the user income based on the information on household income input with timing of the information about the user stored in the memorize means Including the income transition trial calculation means for estimating the mortgage interest rate prediction information based on the economic index stored in the storage means, the mortgage refinancing time selected by the user, and the loan type after the refinancing Mortgage repayment amount calculation means for calculating the mortgage repayment amount of the user based on the mortgage repayment condition, and household expenditure input with the time among the information about the user stored in the storage means information, on the basis of the mortgage repayments the prediction information and the mortgage repayments estimation means for estimation estimates the change in the expenditure of the user The display shows the expenditure transition trial calculation means, the income transition calculated by the income transition trial calculation means, the expenditure transition calculated by the expenditure transition trial calculation means, and the repayment amount trial calculation by the mortgage repayment trial calculation means. Provided is a life design support system including a lifetime balance transition display means.

Claims

The computer,
And income transition estimation means for estimation of the transition of the income of the user based on the information about the inputted household income with timing of the information about the user stored in the memorize means,
Based on the prediction information of the mortgage interest rate among the prediction information based on the economic index stored in the storage means , and the mortgage repayment condition including the mortgage refinancing time selected by the user and the loan type after refinancing A mortgage repayment amount calculation means for calculating the mortgage repayment amount of the user;
Of the information on the user stored in the storage means, information on household expenditure input with time , the prediction information, and the mortgage repayment amount calculated by the mortgage repayment amount calculation means, the user Expenditure trend calculation means to estimate the trend of expenditure,
Revenue transition estimated by the income transition estimation means, expenditure transition estimated by the expenditure transition estimation means, and repayment amount estimated by the mortgage repayment amount calculation means as a lifetime balance display means for displaying on the display unit all together Life design support program to make it function.

The mortgage repayment amount estimation means includes a first repayment amount calculated in a first period from the start of borrowing a mortgage to the designated refinancing time, and a second period from the refinancing time to completion. The life design support program according to claim 1, wherein the total amount with the second repayment amount calculated is calculated as the repayment amount of the mortgage.

The life design support program according to claim 2, wherein the mortgage repayment amount trial calculation means is capable of further changing a mortgage repayment condition in the second period from the refinancing time to completion.

The mortgage repayment amount trial calculation means is further configured to specify a prepayment time and a prepayment amount of a mortgage, and the trial calculation is performed in a first period from the start of borrowing a mortgage to the designated prepayment time. Calculated in the second period from the advance repayment timing to the full payment based on the first repayment amount, the second repayment amount which is the designated advance repayment amount, and the remaining borrowing amount after the advance repayment The life design support program according to any one of claims 1 to 3, wherein a total amount of the third repayment amount is calculated as a repayment amount of the mortgage.

5. The mortgage repayment amount trial calculation means according to claim 1, wherein the repayment condition includes a future interest rate fluctuation condition, and the interest rate fluctuation condition can be arbitrarily changed. Life design support program.

The said expenditure transition trial calculation means can be input with a minus age that is a virtual age at the present time when the expected birth year is set to zero for a child scheduled to be born in the future regarding the user. The life design support program according to any one of 1 to 5.

The computer,
Refinancing, borrowing, or prepayment of a mortgage based on the revenue transition estimated by the revenue transition estimation means, the expenditure transition estimated by the expenditure transition estimation means, and the repayment amount estimated by the mortgage repayment amount estimation means A required security amount calculation means for calculating a period when the savings balance due to and a free-use funds are calculated, and calculating a required security amount corresponding to the free-use funds,
The life design support according to any one of claims 1 to 6 , further functioning as a risk presenting means for presenting a period during which the savings balance decreases and the required security amount at the time of insurance design or insurance solicitation. program.

The lifetime balance transition display means, for a predetermined year, surplus funds obtained by subtracting the expenditure calculated by the expenditure transition estimation means from the income estimated by the income transition estimation means, the income, the expenditure, and the The life design support program according to claim 1, wherein the mortgage repayment amount calculation means displays a predetermined year on the display unit together with the repayment amount estimated by the mortgage repayment amount calculation means.

And income transition estimation means for estimation of the transition of the income of the user based on the information about the inputted household income with timing of the information about the user stored in the memorize means,
Based on the prediction information of the mortgage interest rate among the prediction information based on the economic index stored in the storage means and the repayment condition of the mortgage including the mortgage refinancing time selected by the user and the loan type after the repayment A mortgage repayment calculation means for calculating the mortgage repayment amount of the user,
Of the information on the user stored in the storage means, information on household expenditure input with time , the prediction information, and the mortgage repayment amount calculated by the mortgage repayment amount calculation means, the user Expenditure trend calculation means to estimate the trend of expenditure,
Lifetime balance transition display means for displaying on the display section the revenue transition estimated by the revenue transition trial calculation means, the expenditure transition calculated by the expenditure transition trial calculation means, and the transition of the repayment amount calculated by the mortgage repayment trial calculation means. Life design support system with