JP2019016257A - Property search device, property search method, and property search program - Google Patents

Abstract

To provide a property search device, a property search method, and a property search program capable of easily comparing a sale property and a rental property under condition in accordance with user attributes.SOLUTION: A property search device 10 includes: an acquisition part 12 acquiring, based on user attribute information, a borrowable amount which can be borrowed by the user and a borrowing interest rate applicable to the user; a calculation part 13 calculating, based on the borrowable amount and the borrowing interest rate, a monthly repaid amount repaid by the user; and a search part 14 searching for information related to properties purchasable in a range of the borrowable amount and information related to properties rentable in a range of the monthly repaid amount.SELECTED DRAWING: Figure 1

Description

  The present invention relates to a property search device, a property search method, and a property search program.

  2. Description of the Related Art Conventionally, property search apparatuses that search for newly built and used property for sale and rental are known. Conventional property search apparatuses sometimes perform a refined search based on the location or price range of the property.

  Patent Document 1 describes a matching information recommendation system that selects housing related product information according to customer attribute information and recommends the housing related product to the customer.

JP 2002-170004 A

  There are cases where a user who purchases a property for sale borrows funds from a financial institution and purchases a property within the range of borrowable amount. A conventional property search apparatus sometimes calculates a borrowable amount under a predetermined condition and searches for a property for sale. Moreover, in the technique described in Patent Document 1, a housing-related product including a mortgage is recommended according to attribute information including an individual's annual income and living expenses.

  On the other hand, a user who is considering the purchase of a property for sale may also consider living in a rental property. In such a case, it is possible to borrow according to the attributes of the individual by calculating the borrowable amount under the predetermined conditions as before and searching for sale properties and comparing with the search result of rental properties The fact that the amount fluctuates is not reflected in the search results, and the property price and rent are compared, making it difficult to compare properties. Further, the technique described in Patent Document 1 is not premised on a search for a rental property, and is not suitable for the purpose of comparing a sale property and a rental property.

  The present invention provides a property search device, a property search method, and a property search program capable of performing a mortgage simulation under conditions according to user attributes and performing a search while comparing a property for sale and a property using a simulation result. The purpose is to provide.

  The property search device according to an aspect of the present invention includes an acquisition unit that acquires a borrowable amount that a user can borrow and a borrowing interest rate applied to the user, a borrowable amount and a borrowing interest rate based on the attribute information of the user Based on the above, a calculation unit that calculates the monthly repayment amount of the user, and a search unit that searches for information on properties that can be purchased within the range of the borrowable amount and information on properties that can be rented within the range of the monthly repayment amount And comprising.

  According to this aspect, the repayment amount per month is calculated based on the borrowable amount reflecting the user's attribute information and the borrowing interest rate, and the property for sale that can be purchased within the range of the borrowable amount, and the repayment amount per month Since the rental property that can be rented in the range is searched, it is possible to easily compare the property for sale and the property for rental under the condition according to the user attribute.

  In the above aspect, the search unit includes information on properties that can be purchased within the range of borrowable amounts and properties that can be rented within the range of monthly repayments, including expenses related to property maintenance, according to the user's selection. You may search for information about.

  According to this aspect, by searching for sale and rental properties including expenses related to the maintenance of the property, it is possible to compare the sale and sale properties in terms of the total amount paid per month, and more accurate expenditures Based on the outlook, the sale and rental properties can be compared.

  The said aspect WHEREIN: You may further provide the 1st correction | amendment part which corrects a borrowable amount and the repayment amount per month based on the life plan including a user's income and expenditure schedule.

  According to this aspect, the borrowable amount and the repayment amount per month are corrected according to the amount allocated to purchase or rent of the property, and it is possible to search for an appropriate property for realizing the life plan.

  The said aspect WHEREIN: You may further provide the 2nd correction part which corrects at least any one of a borrowable amount and a borrowing interest rate based on the information regarding loan goods.

  According to this aspect, it is possible to calculate a more accurate borrowable amount and a borrowing interest rate by correcting at least one of the borrowable amount and the borrowing interest rate based on information on loan products available to the user. it can.

  The said aspect WHEREIN: You may further provide the 3rd correction | amendment part which corrects at least any one of a borrowable amount and a borrowing interest rate based on the information regarding the attribute of a property.

  According to this aspect, the purchase can be made by correcting at least one of the borrowable amount and the borrowing interest rate so as to reflect the actual transaction state that the borrowable amount and the borrowing interest rate may fluctuate depending on the property of the property. This makes it possible to more accurately compare the property for sale that is desired for sale and the property for rent.

  In the above aspect, the information related to the property attribute may include at least one of information related to the property type, information related to the building age, information related to the location, and property value guarantee information.

  According to this aspect, by purchasing at least one of the borrowable amount and the borrowing interest rate based on the property type, building age, location, and property value guarantee information, the user desires to purchase not only the user attributes The borrowable amount and the borrowing interest rate are calculated based on the collateral value of the property for sale, so that the property for sale can be compared with the property for rent more accurately.

  The property search method according to an aspect of the present invention includes a step of obtaining a borrowable amount that can be borrowed by the user and a borrowing interest rate applied to the user based on the attribute information of the user, and a borrowable amount and the borrowing interest rate. A step of calculating a user's monthly repayment amount, and a step of searching for information on a property that can be purchased within the range of the borrowable amount and a property that can be rented within the range of the monthly repayment amount. Including.

According to this aspect, the repayment amount per month is calculated based on the borrowable amount reflecting the user's attribute information and the borrowing interest rate, and the property for sale that can be purchased within the range of the borrowable amount, and the repayment amount per month Since the rental property that can be rented in the range is searched, it is possible to easily compare the property for sale and the property for rental under the condition according to the user attribute.

  The property search program which concerns on 1 aspect of this invention acquires the borrowable amount which a user can borrow and the borrowing interest rate applied to a user based on a user's attribute information about the computer with which the property search apparatus was equipped. Based on the acquisition unit, borrowable amount and borrowing interest rate, the second calculation unit that calculates the user's monthly repayment amount, and information on properties that can be purchased within the borrowable amount range and monthly repayment range It functions as a search unit that searches for information on rentable properties.

  According to this aspect, the repayment amount per month is calculated based on the borrowable amount reflecting the user's attribute information and the borrowing interest rate, and the property for sale that can be purchased within the range of the borrowable amount, and the repayment amount per month Since the rental property that can be rented in the range is searched, it is possible to easily compare the property for sale and the property for rental under the condition according to the user attribute.

  ADVANTAGE OF THE INVENTION According to this invention, the property search apparatus, property search method, and property search program which can perform a comparison with a sale property and a rental property easily on the conditions according to a user's attribute are provided.

It is a figure which shows the network structure of the property search apparatus which concerns on embodiment of this invention. It is a figure which shows the functional block of the property search apparatus which concerns on embodiment of this invention. It is a figure which shows the 1st screen produced | generated by the property search apparatus which concerns on embodiment of this invention, and is displayed on a user terminal device. It is a figure which shows the 2nd screen produced | generated by the property search apparatus which concerns on embodiment of this invention, and is displayed on a user terminal device. It is a figure which shows the 3rd screen produced | generated by the property search apparatus which concerns on embodiment of this invention, and is displayed on a user terminal device. It is a flowchart which shows the 1st process performed by the property search apparatus which concerns on embodiment of this invention. It is a flowchart which shows the 2nd process performed by the property search apparatus which concerns on embodiment of this invention. It is a flowchart which shows the 3rd process performed by the property search apparatus which concerns on embodiment of this invention. It is a flowchart which shows the 4th process performed by the property search apparatus which concerns on embodiment of this invention. It is a flowchart which shows the 5th process performed by the property search apparatus which concerns on embodiment of this invention.

  Embodiments of the present invention will be described with reference to the accompanying drawings. In addition, in each figure, what attached | subjected the same code | symbol has the same or similar structure.

  FIG. 1 is a diagram showing a network configuration of a property search apparatus 10 according to an embodiment of the present invention. The property search apparatus 10 includes a dedicated or general-purpose computer including at least a memory and a processor, and is connected to the communication network N. The communication network N may be the Internet, but may also be a network such as a LAN (Local Area Network). The property search device 10 is connected to the loan calculation device 20, the plurality of user terminal devices 30, the property information database DB1, the life plan database DB2, and the loan product database DB3 via the communication network N.

  The loan calculation device 20 receives the attribute information of the user from the property search device 10, calculates the borrowable amount and the applicable interest rate of the user based on the attribute information, and sends it back to the property search device 10. The attribute information means general information handled by the financial institution for loan examination, such as the user's age, place of work, length of service, annual income, family structure, and applicable interest rate. The loan calculation device 20 may be a separate device from the property search device 10, but may be integrated with the property search device 10. Further, the loan calculation device 20 only needs to calculate information for specifying the user's borrowable amount and the applicable interest rate, and does not necessarily calculate the borrowable amount and the applicable interest rate itself.

  The user terminal device 30 is a device used by a user who searches for a property, and may be a general-purpose computer. Specifically, it may be a personal computer or a smartphone. The user performs input of attribute information, confirmation of a borrowable amount and an applicable interest rate, browsing of a property search result, and the like using an Internet browser operating on the user terminal device 30. In the figure, although two user terminal devices 30 are illustrated, the number of user terminal devices 30 connected to the property search device 10 via the communication network N is arbitrary.

  The property information database DB1 stores information on a property for sale that can be purchased or reserved for purchase and information on a property that can be leased or leased. The information on the property for sale stored in the property information database DB1 includes at least information on the price of the property and the property of the property, and the information on the rental property includes at least information on the rent and the property of the property. Here, the information relating to the property attributes includes at least one of information relating to the property type, information relating to the age of the property, information relating to the location, and property value guarantee information. The property value guarantee information may be information given by the administrator of the property search apparatus 10 and may be information indicating that the collateral value is guaranteed for the property. The property information stored in the property information database DB1 may be added in a timely manner according to the registration of the property information, or may be deleted in a timely manner according to the establishment of a sales contract or a lease contract.

  The life plan database DB2 receives the registration of the life plan from the user terminal device 30, and stores the life plan of the user together with information for identifying the user. Here, the life plan is a future design of the user and includes a schedule of the user's income and expenditure. The life plan may include, for example, changes in annual income assumed by the user, changes in children's educational expenses, and the like.

  The loan product database DB3 stores information on loan products that are currently available. The loan product database DB3 stores conditions for loans that can be used by individuals for the purchase of houses, etc., and may store conditions for receiving new loans and conditions for refinancing loans. . Moreover, although the item which pays attention to attribute information may differ for every financial institution, a coefficient can be set to loan product database DB3 according to the grade to which it pays attention. That is, for each loan product, a coefficient corresponding to the item of attribute information is prepared, and when a loan product is proposed to the user, a financial institution or a financial product with good loan conditions determined by analyzing the attribute information is preferentially proposed. be able to.

  FIG. 2 is a diagram showing functional blocks of the property search apparatus 10 according to the embodiment of the present invention. The property search apparatus 10 includes an attribute information acquisition unit 11, an acquisition unit 12, a calculation unit 13, a search unit 14, a first correction unit 15, a second correction unit 16, and a third correction unit 17. These functional units do not necessarily correspond to the configuration physically provided in the property search device 10, and the property search program stored in the memory physically provided in the property search device 10 is stored in the property search device 10. May be realized by being executed by a processor physically provided.

  The attribute information acquisition unit 11 acquires user attribute information from the user terminal device 30. Here, the user's attribute information may include the user's age, annual income, occupation type, employment form, workplace attribute, years of service, marital status, number of dependents, and amount of debt. The employment form may include information on the position at the place of work and information on the type of employment contract. Also, the attributes of the place of work include whether the place of work is a public office, a company listed on the first section of the Tokyo Stock Exchange, whether it is unlisted and has more employees than the prescribed number, Information such as whether it is private management may be included.

  The acquisition unit 12 acquires the borrowable amount that the user can borrow and the borrowing interest rate applied to the user based on the user attribute information acquired from the user terminal device 30 by the attribute information acquisition unit 11. The acquisition unit 12 transmits user attribute information to the loan calculation device 20, and acquires the borrowable amount that the user can borrow and the borrowing interest rate applied to the user, calculated by the loan calculation device 20. If the property search device 10 and the loan calculation device 20 are integrated, the property search device 10 includes a loan calculation unit, and the acquisition unit 12 acquires the user's borrowable amount and applicable interest rate from the loan calculation unit. .

  The calculation unit 13 calculates the monthly repayment amount of the user based on the borrowable amount and the borrowing interest rate acquired by the acquisition unit 12. The calculation unit 13 may calculate the repayment amount per month based on the selection of the repayment method by the user and the selection of the interest rate by the user.

  The search unit 14 searches for information on properties that can be purchased within the range of borrowable amounts and information on properties that can be rented within the range of monthly repayments. Based on the borrowable amount acquired by the acquiring unit 12, the search unit 14 searches for information on the property for sale stored in the property information database DB 1 and searches for information on the property for sale whose price is equal to or less than the borrowable amount. Further, the search unit 14 searches for information on rental properties stored in the property information database DB1 based on the monthly repayment amount calculated by the calculation unit 13, and rents the rent below the monthly repayment amount. Search for information about. The search unit 14 transmits the search result to the user terminal device 30 that transmitted the attribute information.

  The search unit 14 includes information on properties that can be purchased within the range of borrowable amounts and information on properties that can be rented within the range of monthly repayments, including expenses related to property maintenance, according to the user's selection. You may search. Here, the cost related to the maintenance of the property may include a management cost for managing the property and a repair reserve cost for repair. The search unit 14 may search for a property for sale and a property for which the monthly payment amount including the cost related to the maintenance of the property is less than the repayment amount per month. Alternatively, the repayment amount per month may be calculated based on an amount obtained by subtracting the total cost related to property maintenance from the borrowable amount, and the property for sale and rental may be searched. Naturally, the search unit 14 may perform a search for a sale property and a rental property based on other refinement conditions received from the user.

  The first correction unit 15 corrects the borrowable amount and the monthly repayment amount based on the life plan including the user's income and expenditure schedule. When the 1st correction part 15 receives the information for identifying a user from the user terminal device 30, searches whether the life plan regarding the said user is memorize | stored in life plan database DB2, and the life plan is memorize | stored Then, based on the life plan, the borrowable amount of the user and the repayment amount per month are corrected. For example, when the user has a plan to obtain a collective income, the first correction unit 15 may increase the borrowable amount and the repayment amount per month according to the amount of income. For example, when the user is planning to spend expenses such as educational expenses, the first correction unit 15 may reduce the borrowable amount and the repayment amount per month according to the amount of expenditure.

  The second correction unit 16 corrects at least one of the borrowable amount and the borrowing interest rate based on the information on the loan product stored in the loan product database DB3. The 2nd correction part 16 searches loan product database DB3 based on a user's attribute information, specifies the loan conditions which a user can utilize now, and at least any of borrowable amount and borrowing interest rate based on the said loan conditions You may correct it. The second correction unit 16 may calculate the user's borrowable amount and the borrowing interest rate using a logic different from that of the calculation unit 13.

  The third correction unit 17 corrects at least one of the borrowable amount and the borrowing interest rate based on the information on the property attribute. The third correction unit 17 determines at least one of the borrowable amount and the borrowing interest rate based on the information on the property of the property for sale selected by the user among the information on the property for sale searched by the search unit 14. You can fix it. Since the borrowable amount and the borrowing interest rate vary depending on the collateral value of the property, the third correction unit 17 estimates the collateral value of the property for sale from information on the property attributes, and corrects the borrowable amount and the borrowing interest rate. To do.

  FIG. 3 is a diagram illustrating a first screen DP1 that is generated by the property search device 10 according to the embodiment of the present invention and displayed on the user terminal device 30. The first screen DP <b> 1 is a screen that is displayed to accept input of user attribute information from the user terminal device 30. The figure shows a state after receiving input of user attribute information from the user terminal device 30.

  The first screen DP1 includes attribute information D1 and a send button B1. The attribute information D1 includes “age”, “annual income”, “occupation”, “employment form”, “workplace”, “year of service”, “marriage”, “dependent family” Includes “Liabilities”. The user inputs these items using the user terminal device 30, and when there is no error in the information, the user presses the send button B1 and requests to calculate the borrowable amount and the borrowing interest rate based on the input attribute information. To do.

  In this example, the item “age” of the attribute information D1 is “A year old”, the item “annual income” is “X yen”, the item “profession” is “B”, The item for "Full-time employees", the item for "Work" is "Listed on the first section of the Tokyo Stock Exchange", the item for "Year of service" is "Y", and the item for "Marriage" is "Married" Yes, the item “Dependent” is “2 people” and the item “Liabilities” is “0 yen”. Here, A, X, and Y represent numbers input by the user, and B represents a job type input by the user. The items shown in the figure are only examples, and all or a part of these items may be indispensable input items or arbitrary input items. Moreover, you may receive the input of items other than the item illustrated here as a user's attribute information.

  FIG. 4 is a diagram illustrating a second screen generated by the property search device 10 according to the embodiment of the present invention and displayed on the user terminal device 30. The second screen DP2 is a screen that displays the borrowable amount and the borrowing interest rate calculated according to the user's attribute information and accepts the input of repayment conditions.

  The second screen DP2 includes borrowing information D2, repayment conditions D3, a management cost selection button B2, a search button B3, and a correction button B4. The borrowing information D2 includes items of “borrowable amount” and “borrowing interest rate” from the top in the displayed order. Also. The repayment condition D3 includes items of “down payment”, “bonus repayment”, “interest rate”, and “repayment method” from the top in the displayed order. The user can edit the items of “down payment”, “bonus repayment”, “interest rate”, and “repayment method” of the repayment condition D3 by the user terminal device 30. Here, “interest rate” is selected from “borrowing interest rate” displayed in the borrowing information D2. The user edits the repayment condition D3, selects whether or not to search for the property including the management fee, etc., using the radio button of the management fee selection button B2, and presses the search button B3 if there is no error in the information Then, based on the calculated borrowable amount and the repayment condition D3 including the selected borrowing interest rate, the sale property and the rental property are searched. When correcting the input attribute information, the user can press the correction button B4 to return to the first screen DP1 shown in FIG. 3 to correct the attribute information.

  In the case of this example, the item of “borrowable amount” of the borrowing information D2 is “40 million yen”, and the item of “borrowing interest rate” is “variation: 0.75%”, “five years fixed: 0.9 It includes five sub-items: “%”, “10 years fixed: 1%”, “20 years fixed: 1.35%” and “35 years fixed: 1.475%”. The items and numerical values shown in the figure are examples, and the borrowable amount and the borrowing interest rate may be numerical values that vary according to market conditions.

  In this example, the item of “down payment” in the repayment condition D3 is “0 yen”, the item of “bonus repayment” is “none”, the item of “interest rate” is “fixed for 35 years”, “ The item of “repayment method” is “equity payment of principal and interest”. The user can input arbitrary numerical values and conditions for each item included in the repayment condition D3 using the user terminal device 30. For example, for the item of “interest rate”, one of the five small items shown in the item of “borrowing interest rate” of the borrowing information D2 can be selected, and for the item of “repayment method”, the equal interest Instead of payment, you can choose to pay the principal evenly.

  FIG. 5 is a diagram showing a third screen DP3 that is generated by the property search device 10 according to the embodiment of the present invention and displayed on the user terminal device 30. The third screen DP3 is a screen that displays a search result obtained by searching for property information based on the borrowing information D2 and the repayment condition D3 shown in FIG.

  The third screen DP3 includes a monthly payment amount range D4, a price range D5, a re-search button B5, a first search result D6, and a second search result D7. The monthly payment amount range D4 includes a display of a lower limit and an upper limit of the monthly payment amount used for searching the property information. In this example, the lower limit of the monthly payment amount is not set, and the calculated repayment amount per month is set as the upper limit of the monthly payment amount. The re-search button B5 is a button for re-searching the property information based on the changed condition when the monthly payment amount range D4 or the price range D5 is changed. The price range D5 includes display of a lower limit and an upper limit of the property price used for searching the property information. In this example, the lower limit of the property price is not set, and the acquired borrowable amount is set as the upper limit of the property price. The first search result D6 is a search result of a second-hand apartment that is a property for sale, and includes a first detail browsing button B6. The second search result D7 is a search result of rental apartments that are rental properties, and includes a second detail browsing button B7. In the figure, two search results are shown, but there may be three or more search results, which may be browsed by operating the scroll bar of the third screen DP3. The user can browse the first search result D6, the second search result D7, and other search results not shown in the figure, and compare and examine the property for sale and the property for rent. In the figure, the monthly payment amount range D4 and the price range D5 are shown as search conditions. However, the third screen DP3 may include an input form for narrowing down conditions regarding the location and floor plan of the property. When the re-search is performed using the re-search button B5, the property information may be re-searched in consideration of narrowing conditions other than the monthly payment amount range D4 and the price range D5.

  The first search result D6 and the second search result D7 include items of “traffic”, “location”, “structure / floor”, and “building age”. These items are general information about the property. The first search result D6 includes items of “floor”, “price”, and “monthly payment amount”, and the second search result D7 includes items of “floor”, “rent”, and “administration expenses”. Including. These items are information regarding a room to be purchased or rented.

  In this example, the item “traffic” in the first search result D6 is “3 minutes on foot from station C”, the item “location” is “Tokyo”, and the item “structure / floor” is “RC”. / 28 stories ", and the item of" Age "is" 1 year old ". The item “floor” of the first search result D6 is “3rd floor”, the item “price” is “38.9 million yen”, and the item “monthly payment” is “115,000 yen”. It is. Note that the first search result D6 is a result of a search including a management fee, and the “monthly payment amount” includes a cost related to the maintenance of the property. In addition, although only limited items are illustrated in the figure, the search result of the property for sale may include items other than these, and more detailed items are shown when the first detail browsing button B6 is pressed. May be. For example, information regarding the floor plan of the property or a photograph of the inside taken may be displayed.

  In this example, the item “traffic” in the second search result D7 is “4 minutes on foot from station C”, the item “location” is “Tokyo”, and the item “structure / floor” is “RC”. / 8 stories ", and the item of" Age "is" 2 years old ". In addition, the item “floor” of the second search result D7 is “5th floor”, the item “rent” is “110,000 yen”, and the item “administration expenses” is “10,000 yen”. . Note that the second search result D7 is a result of a search including administrative expenses, etc., and a property whose total amount of “rent” and “administrative expenses” is less than the repayment amount per month is extracted as a search result. ing. Although only limited items are illustrated in the figure, the search result of the rental property may include items other than these, or may indicate detailed items when the second detail browsing button B7 is pressed. Good. For example, information regarding the floor plan of the property or a photograph of the inside taken may be displayed.

  Thus, according to the property search apparatus 10 according to the present embodiment, the repayment amount per month is calculated based on the borrowable amount and the borrowing interest rate reflecting the user's attribute information, and purchased within the borrowable amount range. The searchable properties that can be purchased and leased properties that can be rented within the range of the repayment amount per month are searched. Therefore, it is possible to easily compare the property for sale and the property for rent under conditions according to the user's attributes.

  In addition, by searching for properties for sale and rental including expenses related to property maintenance, it is possible to compare property for sale and property in terms of the total amount paid per month, based on a more accurate outlook for expenditure. You can compare the property for sale with the property for rent.

  FIG. 6 is a flowchart showing a first process executed by the property search apparatus 10 according to the embodiment of the present invention. A 1st process is a process which receives attribute information from a user and calculates the repayment amount per month based on the borrowable amount and borrowing interest rate according to the user.

  First, the property search device 10 receives user attribute information from the user terminal device 30 (S11). The user attribute information may include a plurality of items as shown in FIG. 3, for example, and may be selected or freely described by the user terminal device 30.

  Next, the property search device 10 transmits the received attribute information to the loan calculation device 20, and acquires the borrowable amount and the borrowing interest rate of the user (S12). Then, for example, as shown in FIG. 4, the acquired borrowable amount and the borrowing interest rate are displayed on the user terminal device 30 (S13). Moreover, the change of repayment conditions is received from the user terminal device 30 (S14). Here, when there is a correction regarding the inputted attribute information (S15: Yes), acceptance of the attribute information (S11), acquisition of the borrowable amount and the borrowing interest rate (S12), display of the borrowable amount and the borrowing interest rate ( S13), accepting the change of the repayment condition and (S14) again. On the other hand, when there is no modification of the attribute information (S15: No), the property search apparatus 10 determines the repayment amount per month of the user based on the acquired borrowable amount and borrowing interest rate and the repayment conditions received from the user. Is calculated (S16). Thus, the first process executed by the property search apparatus 10 is completed.

  FIG. 7 is a flowchart showing a second process executed by the property search apparatus 10 according to the embodiment of the present invention. The second process is a process in which the search unit 14 of the property search apparatus 10 searches for a property for sale and a property for rental including a property maintenance fee.

  First, the property search apparatus 10 determines whether or not to perform a search including a cost related to property maintenance in accordance with a user's selection (S21). When including the expenses related to the maintenance of the property (S21: Yes), the property search apparatus 10 selects a property for sale whose total payment amount required for the acquisition and maintenance of the property including the cost related to the maintenance of the property is less than the borrowable amount. Search is performed (S22). Further, the property search apparatus 10 searches for a rental property in which the total monthly payment required for the rental of the property including expenses related to the maintenance of the property is equal to or less than the calculated monthly repayment amount (S23).

  On the other hand, when the expense regarding the maintenance of the property is not included (S21: No), the property search device 10 searches for a property for sale that can be acquired at a price equal to or less than the borrowable amount (S24). Further, the property search device 10 searches for a rental property that can be rented with a rent equal to or less than the repayment amount per month (S25).

  After the search result is obtained, the article search device 10 transmits the search result to the user terminal device 30 (S26). As a result, for example, as shown in FIG. 5, the property for sale and the property for rent are searched for, including expenses related to property maintenance, and displayed in a list. Thus, the second process executed by the property search apparatus 10 is completed.

  FIG. 8 is a flowchart showing a third process executed by the property search apparatus 10 according to the embodiment of the present invention. In the third process, the first correction unit 15 of the property search apparatus 10 corrects the borrowable amount and the monthly repayment amount based on the life plan including the user's income and expenditure schedule, and then the search unit 14 This is a process of searching for a property for sale and a property for rent.

  First, the property search apparatus 10 determines whether or not a user's life plan is registered in the life plan database DB2 (S31). When the life plan is registered (S31: Yes), the first correcting unit 15 of the property search apparatus 10 calculates the borrowable amount acquired by the acquiring unit 12 and the month calculated by the calculating unit 13 based on the life plan. The winning repayment amount is corrected (S32). The search unit 14 searches for sale properties that can be acquired at a price equal to or less than the corrected borrowable amount (S33), and searches for rental properties that can be rented with a rent equal to or less than the corrected monthly repayment amount (S34).

  On the other hand, when the life plan is not registered (S31: No), the property search apparatus 10 searches for a property for sale that can be acquired at a price that is less than or equal to the borrowable amount (S35), and can rent at a rent that is less than the repayment amount per month. A rental property is searched (S36).

  After the search result is obtained, the article search device 10 transmits the search result to the user terminal device 30 (S37). As a result, a list of properties for sale and rentals that match the user's life plan is displayed. Thus, the third process executed by the property search apparatus 10 is completed.

  According to the property search apparatus 10 according to the present embodiment, the borrowable amount and the monthly repayment amount are corrected according to the amount allocated to purchase or rent of the property, and an appropriate property is searched for realizing the life plan. be able to.

  FIG. 9 is a flowchart showing a fourth process executed by the property search apparatus 10 according to the embodiment of the present invention. In the fourth process, the second correction unit 16 of the property search apparatus 10 corrects at least one of the borrowable amount and the borrowing interest rate based on information on the loan product, and then the search unit 14 performs the purchase and sale of the property and the rental property. This is a process of searching for a property.

  First, the property search apparatus 10 searches the loan product database DB3 to determine whether there is a loan product that can be used by the user (S41). The property search apparatus 10 may search the loan product database DB3 based on, for example, user attribute information. When there is a loan product available to the user (S41: Yes), the second correction unit 16 of the property search apparatus 10 calculates the borrowable amount and the borrowing interest rate acquired by the acquisition unit 12 based on the information related to the loan product. It corrects (S42). Here, the calculation unit 13 calculates the corrected monthly repayment amount of the user based on the corrected borrowable amount and the borrowing interest rate. Note that the information related to the loan product may include a loan condition that an individual can use for the purchase of a house, and may include a loan amount, an interest rate, a use condition, and the like. Further, the second correction unit 16 may correct one of the borrowable amount and the borrowing interest rate, or may correct both. The search unit 14 searches for sale properties that can be acquired at a price equal to or less than the corrected borrowable amount (S43), and searches for rental properties that can be rented with a rent equal to or less than the corrected monthly repayment amount (S34).

  On the other hand, when there is no loan product available for the user (S41: No), the property search apparatus 10 searches for a property for sale that can be acquired at a price less than the borrowable amount (S45), and the amount less than the repayment amount per month. A rental property that can be rented with a rent is searched (S46).

  After the search result is obtained, the article search device 10 transmits the search result to the user terminal device 30 (S47). As a result, a list of properties for sale and properties that meet the loan conditions available to the user is displayed. Thus, the fourth process executed by the property search apparatus 10 is completed.

  According to the property search apparatus 10 according to the present embodiment, a more accurate borrowable amount and a borrowable amount and / or a borrowing interest rate are corrected based on information on loan products available to the user. Borrowing interest rate can be calculated. Therefore, the repayment amount per month can be calculated more accurately, and a search for a sale property and a rental property reflecting the individual circumstances of the user can be performed more accurately.

  The second process, the third process, and the fourth process described above can be executed independently or in combination. For example, based on the second process, which is a process for searching for sales and rental properties, including expenses related to the maintenance of the property, and the life plan that includes the user's income and expenditure schedule, After the repayment amount is corrected, the third process for searching for a sale property and a rental property can be combined and executed.

  FIG. 10 is a flowchart showing a fifth process executed by the property search apparatus 10 according to the embodiment of the present invention. In the fifth process, the third correction unit 17 of the property search apparatus 10 corrects at least one of the borrowable amount and the borrowing interest rate based on the information on the property attribute, and then the search unit 14 This is a process of searching for rental properties. The fifth process is a process performed after the property search device 10 searches for a property for sale and a property for rent and the search result is displayed on the user terminal device 30.

  First, the property search device 10 accepts selection of a search result of property for sale from the user terminal device 30 (S51). The user browses a property for sale that can be purchased within the range of the borrowable amount calculated according to his / her attribute information, and selects a property to be sold as a reference for making a detailed comparison with a rental property. The 3rd correction part 17 of the property search apparatus 10 acquires the information regarding the attribute of the property about the selected sale property from the property information database DB1, and based on the information regarding the property attribute, the borrowable amount and the borrowing interest rate At least one of them is corrected (S52). Here, the information relating to the property attributes includes at least one of information relating to the property type, information relating to the building age, information relating to the location, and property value guarantee information. The 3rd correction part 17 carries out upward correction or downward correction of the borrowable amount and a borrowing interest rate according to the value of the property estimated based on the information regarding the attribute of a property.

  The calculation unit 13 calculates the revised monthly repayment amount based on the revised borrowable amount and the borrowing interest rate, and the search unit 14 can rent at a rent equal to or less than the revised monthly repayment amount. A rental property is searched (S53). Then, the property search device 10 transmits the searched rental property to the user terminal device 30 (S54). As a result, a list of the results of searching for rental properties using the borrowable amount and the borrowing interest rate that are modified in consideration of the collateral value of the selected property for sale is displayed. Thus, the fifth process executed by the property search apparatus 10 is completed.

  According to the property search apparatus 10 according to the present embodiment, at least one of the borrowable amount and the borrowing interest rate is reflected so as to reflect the actual transaction state that the borrowable amount and the borrowing interest rate may vary depending on the property attribute. By correcting the above, it becomes possible to compare the property for sale desired for purchase with the property for rent more accurately.

  In addition, according to the property search device 10 according to the present embodiment, the user's user can be corrected by correcting at least one of the borrowable amount and the borrowing interest rate based on the property type, building age, location, and property value guarantee information. The borrowable amount and the borrowing interest rate are calculated based not only on the attributes but also on the collateral value of the property that is desired to be purchased, so that the property can be compared with the property for sale more accurately.

  The fifth process described above can be executed independently, or can be executed in combination with the second process, the third process, and the fourth process. For example, the second process of searching for a rental property including the expenses related to the maintenance of the property can be executed after upwardly or downwardly correcting the borrowable amount and the borrowing interest rate by the fifth processing.

  The embodiments described above are for facilitating the understanding of the present invention, and are not intended to limit the present invention. Each element included in the embodiment and its arrangement, material, condition, shape, size, and the like are not limited to those illustrated, and can be changed as appropriate. In addition, the structures shown in different embodiments can be partially replaced or combined.

  DESCRIPTION OF SYMBOLS 10 ... Property search apparatus, 11 ... Attribute information acquisition part, 12 ... Acquisition part, 13 ... Calculation part, 14 ... Search part, 15 ... 1st correction part, 16 ... 2nd correction part, 17 ... 3rd correction part, 20 ... loan calculating device, 30 ... user terminal device, B1 ... send button, B2 ... management cost selection button, B3 ... search button, B4 ... correction button, B5 ... re-search button, B6 ... first detail browsing button, B7 ... first 2 Detailed browsing button, D1 ... Attribute information, D2 ... Borrowing information, D3 ... Repayment conditions, D4 ... Monthly payment range, D5 ... Price range, D6 ... First search result, D7 ... Second search result, DB1 ... Property information Database, DB2 ... Life plan database, DB3 ... Loan product database, DP1 ... First screen, DP2 ... Second screen, DP3 ... Third screen, N ... Communication network

Claims (8)

Based on the attribute information of the user, an acquisition unit that acquires the borrowable amount that the user can borrow and the borrowing interest rate applied to the user;
Based on the borrowable amount and the borrowing interest rate, a calculation unit that calculates a repayment amount per month of the user;
A search unit that searches for information on a property that can be purchased within the range of the borrowable amount and information on a property that can be rented within the range of the repayment amount per month;
A property search device comprising: According to the user's selection, the search unit can rent in the range of information on the property that can be purchased within the range of the borrowable amount and the range of the repayment amount per month, including expenses related to the maintenance of the property. Search for information about properties,
The property search device according to claim 1. A first correction unit for correcting the borrowable amount and the monthly repayment amount based on a life plan including the user's income and expenditure schedule;
The property search device according to claim 1 or 2. A second correction unit for correcting at least one of the borrowable amount and the borrowing interest rate based on information on the loan product;
The property search device according to any one of claims 1 to 3. A third correction unit for correcting at least one of the borrowable amount and the borrowing interest rate based on information on the property of the property;
The property search device according to any one of claims 1 to 4. The information regarding the property attribute includes at least one of information regarding the type of the property, information regarding the building age, information regarding the location, and property value guarantee information.
The property search device according to claim 5. Obtaining a borrowable amount that the user can borrow and a borrowing interest rate applied to the user based on the attribute information of the user;
Calculating a monthly repayment amount of the user based on the borrowable amount and the borrowing interest rate;
Searching for information on properties that can be purchased within the range of the borrowable amount and information on properties that can be rented within the range of the repayment amount per month;
Property search method including The computer equipped with the property search device
An acquisition unit that acquires a borrowable amount that can be borrowed by the user and a borrowing interest rate applied to the user based on the attribute information of the user,
A second calculation unit for calculating a monthly repayment amount of the user based on the borrowable amount and the borrowing interest rate; and information on a property that can be purchased within the range of the borrowable amount and the monthly repayment amount Search section to search for information on properties that can be rented in a range,
Property search program to function as.

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