JP2018109912A - Leasehold management support system and building owner information database - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a system for assisting a leasehold management job of a land being an object of a fixed term leasehold contract.SOLUTION: A leasehold management support system 100 includes: a building owner information database 102 for storing land rent collection information about a land rent collection state from a land lessee being an owner of a building in the land, provided from a land rent insurance company, and loan outstanding debt information about the presence/absence of a debt loan for acquiring the building borrowed by the owner of the building; delinquency occurrence determination means 104 for determining whether a delinquency of a land rent occurs from the land rent collection information; outstanding debt presence/absence determination means 106 for determining the presence/absence of an outstanding debt from the outstanding debt information; and delinquency corresponding processing execution means 108 for notifying a leasehold management company that a delinquency occurs by the building owner in the case that the delinquency occurrence determination means 104 determines that the delinquency occurs and that the outstanding debt presence/absence determination means 106 determines that the outstanding debt exists.SELECTED DRAWING: Figure 2

Description

  The present invention manages a leased land leased based on a fixed-term lease contract in a system that supports management work.

  When a lease contract for a building or room is concluded, a guarantee obligation is usually established with the main obligation being payment of rent based on the lease contract. Facilitates procedures or management operations between the lessee entrusting this guarantee obligation, the rent guarantee company entrusting this guarantee obligation, and the management company that manages the rental properties based on the contract with the landlord The technique which performs is proposed (for example, refer patent document 1 and patent document 2).

JP 2005-173773 A JP 2009-223585 A

  With the above technology, it is not possible to simplify land rental procedures and management by setting fixed leasehold rights for condominiums, which are associated with more complex legal relationships among real estate rentals, and the burden on the parties concerned is great. In addition, inadequate communication between the parties may interfere with the performance of debt.

  On the other hand, it is a fixed-term land lease system that was developed with the purpose of encouraging landowners who are hesitant to lend land due to extensive legal protection of the landlord regarding contract renewal, etc. It is difficult for landowners to use.

  The present invention has been made in view of such problems, and provides a system that supports the management of leased land leased using the fixed-term leased land system so that it can be appropriately handled in complex situations. The purpose is to provide.

  In order to solve the above-mentioned problem, a leasehold management support system according to an aspect of the present invention is an object of a fixed-term lease agreement concluded between a landowner and a building owner who owns the building on the landowner's land. A land lease management support system that supports land lease management from a land rent guarantee company that concludes a lease guarantee contract with the landlord that guarantees the payment of land rent based on a fixed-term land lease contract with the landlord and collects the land rent Building owner information database that stores land rent collection information on the rent collection status from the provided building owners and loan residual information on whether there are residual bonds in the purchase funds of the building borrowed by the building owner, and rent Based on the collection information, the non-payment occurrence judgment means for judging whether or not the rent is delinquent, the residual debt existence judgment means for judging whether there is a residual debt from the loan residual debt information, and the non-payment occurrence judgment means. If it is determined that delinquency has occurred, and it is determined that there is a residual bond by means of determining whether there is a residual bond, the building owner will be informed that the rent is delinquent due to the building owner. Non-payment response processing execution means for notifying a lending financial institution.

  ADVANTAGE OF THE INVENTION According to this invention, the system which assists management of the leased land leased using a fixed-term leased land system so that the appropriate response | compatibility in a complicated condition is possible is provided.

FIG. 1 is a diagram showing an outline of a contract relationship relating to a leased land managed using the leased land management support system according to the embodiment. FIG. 2 is a block diagram for explaining a configuration of the leased land management support system according to the embodiment. FIG. 3A is a diagram illustrating a configuration example of data included in a building owner database included in the leased land management support system according to the embodiment. FIG. 3B is a diagram illustrating a configuration example of other data included in the building owner database. FIG. 4 is a diagram illustrating an example of a hardware configuration of an information processing apparatus that implements the leased land management support system according to the embodiment. FIG. 5 is a configuration diagram of a network including a leased land management support system, a loan integration system, and a land rent guarantee service support system according to the embodiment. FIG. 6 is a flowchart of lease land management work using the lease land management support system according to the embodiment. FIG. 7 is a diagram for explaining an example of land utilization in which a cityscape is easily affected when buildings cannot be maintained.

  Hereinafter, embodiments will be described in detail with reference to the drawings. Each of the embodiments described below shows a specific example of the present invention. Therefore, numerical values, shapes, materials, components, arrangement and connection forms of components, steps, order of steps, and the like shown in the following embodiments are merely examples, and are not intended to limit the present invention. Therefore, among the constituent elements in the following embodiments, constituent elements that are not described in the independent claims showing the highest concept of the present invention are described as optional constituent elements.

  Each figure is a schematic diagram and is not necessarily illustrated strictly. In each figure, substantially the same configuration is denoted by the same reference numeral, and redundant description is omitted or simplified.

(Embodiment)
Hereinafter, the leased land management support system according to the embodiment will be described. As an aid for understanding, a contract related to a leased land managed using the leased land management support system and its parties will be described first. FIG. 1 is a diagram showing an outline of a contract relationship relating to leased land managed using the leased land management support system according to the present embodiment.

  The building owner is a tenant who rents land by signing a fixed-term land lease contract 10 with the landowner, and is a person who owns the building on the land that is the leased land.

  When the building owner borrows funds for acquiring the building from a financial institution, a loan contract 90 is concluded between the building owner and the financial institution. For this building, a mortgage with a financial institution as a mortgage is set as a condition of financing. If the building owner has not borrowed funds to purchase the building and has paid off the borrowing, the building owner has no obligations under this agreement and there is no mortgage.

  Further, based on the above-mentioned fixed-term land lease contract 10, the land rent is paid from the building owner to the landlord periodically (for example, monthly payment). Here, in order to reduce the landlord's burden, such as land rent collection, the risk of revenue decline due to rent delinquency, and the prompting of payment in the event of delinquency, a mechanism that guarantees land rent payment to the landlord is prepared. The Specifically, the land rent guarantee company concludes a contract with the building owner to entrust a guarantee with a fixed-term land lease contract as the main obligation (guarantee commission contract 20), while it concludes a lease guarantee contract 30 with the land owner. To do. The lease guarantee contract 30 includes a land rent guarantee. In addition, the land rent guarantee company concludes a storage agency contract 40 with the landowner and is entrusted with a collection service from the land rent building owner.

  The leased land is managed by a leased land management company based on a management contract 50 with the landowner. For example, land lease management (negotiation, setting, storage agency, repayment of land rent), lease land contract management (drafting, acquisition of parties' seals, etc.), examination by a guarantee company Includes confirmation of results and response to rent payments. Note that the land lease management company and the land rent guarantee company form an alliance based on an agreement (guarantee service agreement 60) regarding land rent guarantee business, and the land lease management company mainly contacts the landowner and the building owner in exchanges for land rent. By playing such a role, land management companies also reduce the burden on landowners. By reducing the burden in this way, landowners can make land use easier using the fixed-term lease system.

  In addition, the land lease management company shares information with the above financial institutions. The information shared here includes information on the presence or absence of a loan loan provided from the financial institution to the land lease management company, and communication from the land lease management company to the financial institution when the land rent is delinquent. This information sharing is originally an action performed between the landowner and the financial institution based on the loan-related memorandum 70 concluded between the landowner and the financial institution. Act on behalf of There are several reasons why lease management companies share such information with financial institutions.

  First of all, the legal framework described so far regarding the lease of leased land will be formed, reducing the burden on the landowner and encouraging land utilization using the fixed-term lease system. If the borrower defaults, for example, a continuation of the land rent delinquency continues for a specified period, if the fixed-term lease contract 10 stipulates the cancellation of the contract that assumes this situation, the landowner shall comply with this provision. The fixed-term land lease contract 10 can be canceled, and after the cancellation, the land can be handed over and the building can be removed.

  On the other hand, as described above, the financial institution is a mortgage mortgage set up in this building while there is a loan loan for the purchase of this building. However, once the building is removed, the financial institution will not be repaid if it defaults on the payment of the remaining debt. In order to avoid such a situation, the financial institution has obliged the landowner to contact when land rent is delinquent as a condition of the loan. However, the landowner forgets this duty of communication due to interaction with the building owner. In the worst case, the landowner cancels the fixed-term lease agreement 10 without the financial institution being contacted, There is a risk that the building will be removed as a result of a claim for removal. Nonetheless, the landowner's contact with the financial institution does not follow the framework's intent to encourage land use using the fixed-term land lease system by reducing the landlord's burden.

  Therefore, the land lease management company, which is in the position of being entrusted with the land lease management business from the landowner, shares such information as part of this management business.

  In addition, the leased land management company may further work as necessary to adjust the actions that can be taken by interested parties regarding the leased land and the building above it. For example, if there is a person who wants to purchase and live in this building, and the landowner is willing to respond to this, he may work to establish the legal relationship in FIG. Good. In this case, the building is not removed.

  Next, the configuration of the leased land management support system according to the present embodiment that supports such leased land management work will be described. FIG. 2 is a block diagram for explaining the configuration of the leased land management support system 100 according to the present embodiment.

  The leased land management support system 100 includes a building owner information database 102, a non-payment occurrence determination unit 104, a remaining bond presence determination unit 106, and a non-payment response processing execution unit 108.

  The building owner information database 102 stores rent payment conditions, loan residual information, and rent collection information, which are information related to a building owner who owns a building on land that is the object of a fixed-term lease contract.

  The land rent payment conditions are conditions for payment of land rent from the building owner to the landowner, including the amount of land rent set in the fixed-term lease contract 10 and the due date. This information is input to the building owner information database 102 based on the contents of the fixed-term lease contract concluded between the building owner and the landowner. The land rent payment terms are provided from the building owner information database 102 to the land rent guarantee company via, for example, a communication network. The provided rent payment terms are registered in the rent guarantee information database 302 of the rent guarantee service support system 300 used by the rent guarantee company for performing the rent guarantee service, and are used for the storage agency work and the like.

  Loan balance information is information on the presence or absence of residual bonds in loans (loans) that the building owner has received from the financial institution for the purchase of the building. Based on information provided from the integrated loan system 200 via the communication network. This information may be provided at any time, for example, in response to a request from the land lease management company, or may be performed periodically at a frequency such as monthly, or only when the situation changes. It may be broken. For example, information may be provided from a financial institution when a loan is paid off. In addition, from the viewpoint of personal information protection, if the financial institution cannot provide information at the time of loan repayment, the land management company may obtain this information by confirming the building owner himself / herself with any loan residuals. Alternatively, it may be obtained by viewing the register and confirming the disappearance of the mortgage. If the acquisition route is other than a financial institution as described above, loan residual information is acquired periodically, for example, monthly, or in response to the fact that the payment of land rent is found from the following rent collection information .

  The land rent collection information is information on the monthly land rent collection status from the building owner. For example, the land rent collection information is collected monthly from the land rent guarantee business support system 300 used by the land rent guarantee company to perform the land rent guarantee business. Provided as a report via the communication network.

  FIG. 3A and FIG. 3B are diagrams showing a configuration example of data included in the building owner information database 102 that stores the above information.

  In the example of FIG. 3A, information on the fixed-term lease contract 10 concluded between the building owner and the landowner is stored and managed for each data row of the table. Hereinafter, this table is also referred to as a contract management table.

  In the “Land Rent” column and the “Payment Due Date” column, the monthly land rent amount and the payment due date set in the fixed-term land lease agreement, which is the rent payment condition, are respectively entered.

  In the “non-payment occurrence” field, a value “Y” is entered when the non-payment continuation period, which will be described later, is greater than or equal to a certain value, and a value “N” is entered when it is less than this value.

  Loan balance information is entered in the “Loan balance” column. In this example, “Y” indicates that there is a loan balance, and “N” indicates that there is no loan balance.

  In addition, if “Y” is entered in the “Observed delinquency” column, a notice indicating the occurrence of rent payment will be sent to the financial institution lending the building purchase funds to the building owner via the communication network. Sent. In the financial institution, based on the received notification, information on the occurrence of non-payment is registered in the loan management database 202 of the loan integration system 200 in association with the information of the corresponding collateral.

  In the example of FIG. 3B, the data on the monthly land rent payment results from the building owner based on one of the fixed-term lease contracts 10 managed in the contract management table (contract management No. LH15061 contract) is one table. Is stored cumulatively within. This data is based on information (land rent collection information) indicating the rent collection status provided by the rent guarantee company. Land rent collection information is provided regularly at a monthly frequency. Hereinafter, this table is also referred to as a rent payment result management table.

  For example, the date of deposit is entered in the “Payment date” column, and the deposited amount is entered in the “Payment amount” column. When payment is made without excess or deficiency or delay, “100” is entered in the “processing result code” field. In the “Payment Continuation Period” field, the value indicating the period of continued delinquency is entered in the payment due date and amount, and the cumulative value of the number of past payments that have occurred is entered in the “Cumulative Number of Late Payments” field. Is done. No. The data in line 4 is an example of data indicating that there was no payment for land rent for February 2016 to be paid by January 27, 2016 until the time of the monthly report.

  In addition, all the information (land rent collection information) input as such data may be provided from the land rent guarantee company, but may be a part. For example, the land rent guarantee company provides only the payment date and the amount of money, and the processing result code is judged and input by the land lease management support system 100 using this information and the information on the land rent payment conditions included in the data of FIG. 3A. Also good. Further, the non-payment continuation period and the accumulated non-payment count may be further input by judging by the lease land management support system 100 using the payment date and the history of the processing result code.

  Note that the structure of the building owner database included in the leased land management support system 100 according to the present embodiment and the types of data stored therein are not limited to the examples shown in FIGS. 3A and 3B. Not all of the above data is essential, and further data may be included in the building owner database. For example, the accumulated delinquency count shown in FIG. 3B is not used in the operation of the lease land management support system 100 described later. Further, the contract management table may further include information on the building owner such as the name, and information on the building, leased land, transaction financial institution, and the like. Alternatively, these pieces of information may be stored and managed separately in other tables. For example, in the contract management table, situations such as “payment incurred” and “loan balance” indicate the contract management number. Or you may manage by the other table linked | related using building owner ID (identification number).

  The non-payment occurrence determination means 104 is a functional component that determines whether or not non-payment of rent is occurring from the rent collection information. The result of this determination is input, for example, in the above “payment occurred” field.

  The residual bond presence / absence judging means 106 refers to the loan residual bond information input in the “loan residual bond” column, and determines whether there is a residual bond in the purchase funds of the building borrowed by the building owner. It is a component.

  The non-payment response processing execution means 108 is a functional component that executes an appropriate response as a leased land management operation at the time of non-payment based on the determination results of the non-payment occurrence determination means 104 and the residual bond presence / absence determination means 106. The processing of this response includes communication to the above financial institution at the time of payment of land rent. Details will be described later.

  The leased land management support system 100 having the above-described configuration is realized by an information processing apparatus such as an electronic computer executing a program that executes an algorithm for the above-described communication and determination processing. FIG. 4 is a diagram illustrating an example of a hardware configuration of the information processing apparatus.

  The leased land management support system 100 includes an arithmetic processing device 110, a main storage device 120, an auxiliary storage device 130, an input device 140, an output device 150, and an external interface 160. These components are connected to each other via a communication path 190 such as a bus line.

  The arithmetic processing unit 110 is a CPU (Central Processing Unit), for example, and executes the above-described communication and determination processes by reading and executing a program stored in the auxiliary storage device 130.

  The main storage device 120 is a storage device such as a memory, and temporarily stores a program being executed by the arithmetic processing unit 110 and data read or generated in each process.

  The auxiliary storage device 130 is a non-volatile storage device that is realized by using, for example, a hard disk drive or a solid state drive, and is necessary among the programs read and executed by the arithmetic processing device 110 and the data generated in each processing. Is stored non-temporarily.

  The input device 140 is an interface used by a user of the lease land management support system 100 such as a pointing device such as a keyboard and a mouse for inputting data.

  The output device 150 is an interface for allowing the user of the leased land management support system 100 such as a display and a printer to perceive the content of data.

  The external interface 160 is a communication interface for the leased land management support system 100 to exchange information with the loan integration system 200 and the land rent guarantee service support system 300 via a communication path. For example, Ethernet (registered trademark), Wi- This is realized by a communication device corresponding to a communication standard such as Fi (registered trademark). In addition, an interface for connecting an external storage device (not shown) or the like and capturing data may be further included, which is realized by, for example, a USB (Universal Serial Bus) interface.

  Note that an information processing apparatus including these components is realized by a single personal computer, for example. Further, the loan integration system 200 and the land rent guarantee service support system 300 can be realized in different places, for example, by a server computer. In this case, as schematically shown in FIG. 5, the exchange of information among the three parties of the leased land management support system 100, the loan integration system 200, and the land rent guarantee business support system 300 is performed via a communication network 500 such as the Internet. Realized. FIG. 5 is a configuration diagram of a network including the leased land management support system 100, the loan integration system 200 that exchanges information with the leased land management support system 100, and the land rent guarantee business support system 300.

  Note that the mode of realization of the leased land management support system 100 is not limited to a mode using a single personal computer. For example, the input device 140, the output device 150, and the external interface 160 are covered by what a personal computer in the user's location has. The communication path 190 includes a wide-area communication network such as the Internet, and the arithmetic processing device 110, the main storage device 120, and the auxiliary storage device 130 can communicate with the personal computer in the user's place via this communication network. It may be covered by what the server computer at a location remote from the user has.

  Next, leased land management work using the leased land management support system 100 will be described including the operation of the leased land management support system 100. FIG. 6 is a flowchart of lease land management work using the lease land management support system 100.

  In the rent guarantee company, the rent collection information is transmitted from the rent guarantee business support system 300 to the lease land management support system 100 of the lease land management company. As a result, the land rent collection status is reported to the leased land management company (step S600).

  In addition, the land rent guarantee service support system 300 determines whether or not the land rent is uncollected in light of the land rent payment conditions provided from the lease land management support system 100 (step S601). If land rent is not accrued (YES in step S601), the land rent guarantee company prompts the building owner to pay the land rent (step S602). If no land rent accruals have occurred (NO in step S601), no reminder is made. Even if any determination is made in step S601, as long as the fixed-term lease contract is valid, the collection status at that time is reported after the next due date (step S600).

  In the lease land management company that has received the collection status report from the land rent guarantee company, the lease land management support system 100 adds the contents of the received land rent collection information to the land rent payment record management table. Then, the non-payment occurrence determination means 104 determines whether or not non-payment of land rent has occurred from this rent collection information (step S610). When non-payment has not occurred (NO in step S610), the non-payment occurrence determination means 104 records that non-payment has occurred in the “non-payment occurred” column of the contract management table, and the lease land management support system 100 performs the land rent guarantee service. The next rent collection information from the support system 300 is awaited.

  When delinquency has occurred (YES in step S610), the residual bond presence / absence judging means 106 uses the loan residual bond information provided in step S620 from the loan integration system 200 of the financial institution, and the building borrowed by the building owner It is determined whether or not there is a residual bond in the purchase funds (step S611). The provision of loan residual information in step S620 may be performed at any time in response to a request from the land management company as described above, or is performed periodically or only when the situation changes. May be.

  If there is a residual bond (YES in step S611), the non-payment response processing execution means 108 indicates that the landowner is delinquent due to the mortgage handling processing execution means 108. The organization is notified (step S612). The response of the financial institution in response to this notification will be described later.

  If there is no remaining bond (NO in step S611), the financial institution is not a mortgage holder of the mortgage set in this building, so it does not participate in subsequent flows. First, it is determined by the non-payment response processing execution means 108 whether or not the non-payment of land rent continues beyond a predetermined period (step S613).

  In addition, the procedure enclosed by the broken-line frame in FIG. 6 so far is the exchange of information with the loan integration system and the land rent guarantee business support system performed by the lease land management support system 100 and the determination based on this information. is there. As a result, when the land rent is delinquent, the financial institution is more reliably notified of the occurrence of the delinquency regardless of whether or not the landowner reports to the financial institution. Moreover, an increase in the burden on the landowner is avoided to improve this certainty.

  The result of the determination in step S613 is presented to the output device 150 at the leased land management company and used as a criterion for determining whether or not to cancel the fixed lease contract. The subsequent procedure in the flow of the leased land management work is not the operation of the leased land management support system 100, but will be described to show an overall image of leased land management using the leased land management support system 100.

  If delinquency continues beyond a predetermined period, the leasehold management company will consider whether it is appropriate to cancel the fixed-term lease agreement including various circumstances. The predetermined period is a period used as a material for the examination, and is set to, for example, three months. If the delinquency does not exceed this period, the fixed-term land lease may be continued. In this case, the building owner can continue to own the building.

  When the fixed-term lease contract is canceled (step S614), the building owner loses the title to own the building on this land. If the building owner does not clear the land or remove the building, the landowner will file a lawsuit seeking land clearing and the building removal. The litigation guarantee company, etc. may assist or act on this litigation procedure to reduce the burden on the landowner.

  When the legal title of this lawsuit provides for the transfer of land and the title of debt for the removal of the building, the building can be demolished. However, if there is a person who wants to purchase and live in this building, or if the landlord intends to maintain the current environment (eg cityscape, landscape) including this building, etc. Also good. In such cases, the building is voluntarily sold. Even after the lease contract is cancelled, the land rent guarantee company guarantees the land rent until the next owner enters for a certain period (for example, 6 months), thereby reducing the landowner's income burden. The

  On the other hand, if the financial institution is a mortgage of a mortgage set in this building, the financial institution determines whether the building needs to be preserved. If there is no need for maintenance (NO in step S621), the financial institution is out of this management flow. If maintenance is necessary (YES in step S621), the financial institution uses land rent to prevent the lease from being released due to the cancellation of the fixed-term lease contract prior to the execution of the mortgage set on the building. The limit is set to a certain period (for example, 6 months) (step S622).

  Next, the financial institution executes a mortgage (appropriation for building auction) or receives a price repayment by voluntary sale (step S623).

  In these cases as well, land leases have been replaced by financial institutions, so the fixed-term lease contract continues, reducing the landowner's income risk burden. In addition, since the building is preserved, it is possible to maintain the cityscape as described above. FIG. 7 is a diagram for explaining an example of land utilization in which a cityscape is easily affected when buildings cannot be maintained.

  In the example shown in FIG. 7, a building including a plurality of condominium houses (No. 1 to No. 24) is built on a large land L10. These houses are supplied by the same company, and the buildings have a unified sense of specification and appearance so as to form a united cityscape as a whole. In addition, in the portion occupied by each house on this land, a fixed-term land lease right that is borrowed by the purchaser (resident) is set, and the resident pays the rent monthly. In addition, the roads and walkways, public parks, open spaces, etc. from the public roads to each house that belong to this land are the property of the owner of this land, but are stipulated in the contract so that residents can share it. In other words, the residents of this land form a community that shares the cityscape. The leased land is managed by a single management company.

  When land rent is delinquent, the management company or the financial institution that is the mortgage of this building moves along the flow of avoiding the removal of the building in the procedure shown in FIG. As a result, the cityscape is maintained, and there is a merit that the residents can live with peace of mind for a long period of time because changes in the living environment hardly occur. Also, changes in the landscape after the start of land use can cause problems that are difficult to predict and are also undesirable for landowners. However, if such a system for maintaining the cityscape is available, the land owner's merit of using land in the form of regular rental land for condominiums will improve. For developers, it can be introduced and recommended to landowners and residents as an attractive mechanism that enables the formation of a stable community. As described above, the land lease management support system according to the present embodiment is the land lease management support for the land which is the object of the fixed-term land lease agreement concluded between the landowner and the building owner who owns the building on the land of the landowner. The system includes a building owner information database 102, a non-payment occurrence determination unit 104, a remaining bond presence determination unit 106, and a non-payment response processing execution unit 108.

  The building owner information database 102 stores rent collection information regarding the rent collection status from the building owner, and loan residual information regarding the presence or absence of residual bonds in the purchase funds of the building borrowed by the building owner. The land rent collection information is provided from a land rent guarantee company that concludes a lease guarantee contract with the land owner that guarantees the payment of the land rent based on the fixed-term land lease contract with the land owner and collects the land rent. The loan balance information is provided from, for example, a financial institution that is a mortgage of a mortgage set in this building.

  The non-payment occurrence determination means 104 determines whether or not non-payment of rent is occurring from the rent collection information.

  The residual bond presence / absence determining means 106 determines whether or not there is a residual bond from the loan residual bond information.

  The non-payment response processing execution means determines that there is a non-payment by the building owner when the non-payment occurrence determination means 104 determines that non-payment has occurred and the residual debt presence / absence determination means 106 determines that there is a residual bond. Notify financial institutions that it has occurred.

  If you try to reduce the management burden and income risk of landlords with fixed-term leasehold rights, a complicated legal status will be formed in addition to the parties to fixed-term lease agreements. Specifically, if a building owner borrows funds to purchase a house from a financial institution, the financial institution is a mortgage mortgage set up in this building while there is a residual bond. In this case, if the land rents continue to be delinquent and the landlord neglects to notify the financial institution, a situation may occur in which the building on this land is removed by the landowner's request without the financial institution knowing. .

  In order to avoid such a situation, the information used to determine the necessity of notification to the appropriate notification partner in case of delinquency of land rent is collected under the land lease manager (loan land management company) Managed. Each interested party who is notified can take appropriate action in a timely manner. For a land lease manager, the use of such a system facilitates land lease management related to a complicated legal status. Moreover, the possibility of the above troubles is suppressed by the lease land management by such a system, and even if complicated legal relations are involved, the land use using the land lease system of the landlord is promoted. For financial institutions, it is possible to grasp not only the payment status of building owners who have a direct legal relationship, but also the information on delinquency payments. Therefore, before the landowner moves to cancel the lease contract due to the rent payment, the financial institution can receive a mortgage (appropriation of building auction) or pay the price by voluntary sale. This ability to manage risks makes it easier for financial institutions to lend loans to building owners and encourages the use of land using a fixed-term land lease system.

  Further, when the non-payment occurrence determination unit 104 determines that non-payment has occurred, and the non-payment presence determination unit 106 determines that there is no remaining bond, the non-payment response processing execution unit 108 sets the non-payment processing period to a predetermined period. It may be determined whether or not it has continued beyond, and the result may be presented.

  A land management company that manages land using this system can consider the cancellation of a fixed-term land lease contract and other measures at an appropriate time after receiving the results of this judgment. For example, in consideration of the circumstances surrounding the land, the intention of the landowner, and the presence or absence of a building purchaser, if the removal of the building is unnecessary, adjustments for the maintenance of the building can be made with the parties concerned.

(Other embodiments)
The lease land management support system according to the embodiment has been described above, but the present invention is not limited to the above embodiment.

  For example, the procedures and criteria for the determination of nonpayment of land rent, determination of notification of occurrence of nonpayment, notification to financial institutions of the occurrence of nonpayment are appropriately changed according to the contents of individual contracts, business customs, etc. obtain. For example, after the demand for payment in step S602 is executed by the rent guarantee company, the report on the result may be made separately from the monthly report. The determination in step S610 by the lease land management support system 100 may be made based on this separate report.

  In the above description and drawings, the land lease management support system 100 is described as receiving land rent collection information separately from the land rent guarantee business support system 300 of the land rent guarantee company. The mode of realization is not limited to this. For example, the non-payment occurrence determination means 104 that makes a determination using the rent collection information may be placed in the rent guarantee business support system 300. In this case, the lease land management support system 100 makes an inquiry to the land rent guarantee business support system 300 when, for example, a user confirms the occurrence of nonpayment on the user interface of the lease land management support system 100. In the rent guarantee business support system 300, the non-payment occurrence determination unit 104 may execute the determination in step S610 from the acquired rent payment conditions and the rent collection information, and pass the result to the lease land management support system 100. This result is displayed on the user interface of the lease land management support system 100, and is used for determination by the non-payment response processing execution means 108 together with the determination of whether there is a residual bond.

  The present invention can also be implemented as a building owner database used in this leased land management support system. That is.

  By using a database having such a configuration, leased land management work involving a complicated legal state is facilitated.

  In addition, the present invention can be realized by various combinations conceived by those skilled in the art for each embodiment, or by arbitrarily combining the components and functions in each embodiment without departing from the spirit of the present invention. This form is also included in the present invention.

DESCRIPTION OF SYMBOLS 100 Lease management support system 102 Building owner information database 104 Non-payment occurrence judgment means 106 Remaining debt existence judgment means 108 Non-payment correspondence processing execution means

Claims (3)

A land lease management support system that supports lease land management of the land, which is an object of a fixed-term land lease agreement concluded between a landowner and a building owner who owns a building on the land of the land owner,
The land rent from the building owner provided by the land rent guarantee company that concludes a lease guarantee contract with the land owner to guarantee payment of the land rent based on the fixed-term land lease contract to the land owner. Building owner information database for storing land rent collection information related to the collection status of the building, and loan residual bond information regarding the presence or absence of residual bonds in the purchase funds of the building borrowed by the building owner,
Non-payment occurrence determination means for determining whether or not non-payment of the rent is generated from the rent collection information;
From the loan residual bond information, a residual bond presence determining means for determining the presence or absence of the residual bond;
If it is determined by the non-payment occurrence determining means that non-payment has occurred, and the remaining bond presence / absence determining means determines that there is a residual bond, that the building owner has been charged with the rent And a non-payment response processing execution means for notifying a financial institution lending the purchase funds to the building owner. If the non-payment occurrence determining means determines that non-payment has occurred and the residual bond presence / absence determining means determines that there is no remaining debt, the non-payment response processing execution means may determine that the non-payment response processing execution means exceeds a predetermined period. The leased land management support system according to claim 1, wherein it is determined whether or not it is continued and the result is presented. The building owner information database used in the land lease management support system that supports the land lease management that is the object of the fixed-term lease contract concluded between the landowner and the building owner who owns the building on the land of the landlord Because
The land rent from the building owner provided by the land rent guarantee company that concludes a lease guarantee contract with the land owner to guarantee payment of the land rent based on the fixed-term land lease contract to the land owner. Land rent collection information on the collection status of
Loan balance information about the presence or absence of residual bonds of purchase funds of the building borrowed by the building owner is written,
In the lease land management support system,
When the financial institution that lends the purchase funds to the building owner has the remaining debt, the non-payment response processing execution means included in the leased land management support system is configured to report the non-payment of the land rent due to the building owner that has occurred. In order to assist the land management by notifying the agency,
The land rent collection information is referred to by the non-payment occurrence determination means provided in the leased land management support system to determine whether or not the land rent is delayed.
The loan residual bond information is a building owner information database that is referred to by the residual land presence / absence determination unit included in the leased land management support system to determine the presence or absence of the residual debt.

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