JP4901153B2 - Lifetime financial asset estimation device - Google Patents

Description

  The present invention relates to a device for calculating lifetime financial assets, a method for calculating lifetime financial assets, and a program for calculating lifetime financial assets.

  For those who have purchased a house and borrowed a mortgage, it is the greatest whether the family life will grow along with the growth of the family without a financial failure, and the life after retirement will be safe. Is a concern. Lifetime forecast financial asset information is the index, how much is the financial asset balance that is money that you have when you are a certain age, and how much disposable income is the money that is spent on living expenses every year There was a request to know whether the amount would decrease or increase every year, or whether it would change little.

  In view of this, various systems for making various trial calculations when setting up a mortgage have been proposed. For example, in the [0020] to [0021] column on page 5 of the specification of Japanese Patent Laid-Open No. 11-25155 (Patent Document 1) and FIG. 20, income by age according to a life plan including a mortgage plan It is described that a list chart of expenditures is output.

  In addition, in the [0041] to [0042] columns on page 7 of the specification of Japanese Patent Laid-Open No. 2001-344331 (Patent Document 2) and FIG. 15, it is described that a mortgage is changed according to interest rate information. .

  Japanese Patent Application Laid-Open No. 2002-358421 (Patent Document 3) describes that a tax refund amount is calculated with a mortgage and a repayment plan is created by incorporating an advance repayment based on the tax refund amount into the loan amount. .

  FIG. 4 of Japanese Patent Laid-Open No. 2002-41779 (Patent Document 4) describes that a refinancing simulation is performed by inputting an interest rate when refinancing a mortgage.

  In addition, in the [0054] column on page 7 of the specification of Japanese Patent Application Laid-Open No. 2002-366671 (Patent Document 5) and FIGS. 7 to 10, simulations for calculating assets are described.

  In addition, JP 07-65070 A (Patent Document 6) creates a repayment plan that can make maximum use of the maximum repayment capacity during the loan repayment period, taking into account the current income of the home buyer and future expected income. It is described to do.

Japanese Patent Application Laid-Open No. 11-025155 JP 2001-344331 A JP 2002-358421 A JP 2002-041779 A JP 2002-366671 A Japanese Patent Application Laid-Open No. 07-065070

  However, in the above-mentioned conventional example, there is nothing that can be simulated by associating the transition between the mortgage repayment status per unit year and the lifetime expected financial assets per unit year that affect the mortgage repayment status. Therefore, the mortgage repayment status of each unit year is examined while referring to the lifetime expected financial assets of each unit year, and conversely, the lifetime expected finance of each unit year is referred to while referring to the mortgage repayment status of each unit year. It is not easy to examine the assets, and it is possible to simulate the relationship between the mortgage repayment status of each unit year and the transition of the lifetime expected financial asset that affects the mortgage repayment status. It was desired to provide a device.

  The present invention solves the above-mentioned problems, and the object of the present invention is to provide a mortgage repayment status per unit year and a lifetime expected financial asset per unit year that affects the mortgage repayment status. It is intended to provide a lifetime financial asset estimation device that can easily understand how financial assets and living expenses change after retirement by simulating the changes and changing the mortgage repayment method.

In order to achieve the above object, the lifetime financial asset calculation apparatus according to the present invention is a device for calculating the lifetime financial assets of a mortgage borrower, and the input unit (2) Lifetime expected income information input section (2a) that inputs expected income information that is the expected income for each unit year over the lifetime, and lifetime that is the expected spending amount per unit year over the lifetime other than the mortgage of the mortgage borrower Lifetime expected expenditure information input unit (2e) for inputting expected expenditure information, and mortgage borrowing information input unit (2b) for inputting mortgage borrowing information for a plurality of mortgages of mortgage borrowers , Yes mortgage repayment period information input unit for inputting the mortgage repayment period information and (2c), the first mortgage interest rates information input unit for inputting the first mortgage interest rates information and (2d), the and, Starring Part (6), a plurality of mortgage, and the mortgage borrowing information input section (2b) mortgage loans amount information inputted by, input by the mortgage period information input unit (2c) Housing a loan repayment period information by a first mortgage interest rates information input by the first mortgage rates rate information input section (2d), house for calculating the initial mortgage amount information for each unit year Input by the loan repayment amount information calculation unit (6a) and the lifetime expected income information input by the lifetime expected income information input unit (2a) and the lifetime expected expenditure information input unit (2e) a lifetime estimated expenditure information for each unit year other than mortgage that is, the plurality of original mortgage per unit year calculated by mortgage repayments information calculator for mortgages (6a) Repayments information and (5b), by, for each unit year lifetime, a lifetime to calculate the initial forecast financial assets amount information in the unit year is the money that they have when they become a certain age (5c) An expected financial asset balance amount information calculation unit (6b) , and the display unit (7) is a unit of each mortgage calculated by the mortgage repayment amount information calculation unit (6a) for a plurality of mortgages display the original mortgage repayments information for each year (5b), said the lifetime expected financial assets amount information calculation unit (6b) initial lifetime expected financial assets amount information for each unit year, which is calculated by (5c), the to have, a first display column provided for each unit year lifetime, further, the apparatus, the input section (2), a plurality of mortgage, by setting a plurality of periods Applied for each period Interest rate fluctuation condition input means (4) for inputting second mortgage interest rate information including the interest rate to be received , mortgage advance repayment amount information input unit (2f) for inputting mortgage advance repayment amount information (5a1), and has the display unit (7) lifelong first mortgage provided corresponding to the display field prepayment amount information input unit for each unit year (2f) by mortgage prepayment amount information (5a1 ) a plurality of input fields to enter a (5a) is also the input field of any unit year of each mortgage (5a) it is possible to enter the mortgage prepayment amount information (5a1), the operation mortgage repayments information calculation section parts (6) (6a), for a plurality of mortgage, and the mortgage borrowing information input section (2b) mortgage loans amount information inputted by the mortgage period information And mortgage period information inputted by the force unit (2c), the first mortgage first mortgage rates index information or the interest rate condition input unit inputted by interest rate information input section (2d) ( a second mortgage rates rate information inputted by 4), further the mortgage prepayment amount information input unit and (2f) mortgage prepayment amount information inputted by (5a1), by each unit year deadline The mortgage repayment amount information (5f) after the previous repayment is calculated again, and the lifetime expected financial asset balance information calculation unit (6b) of the calculation unit (6) is the lifetime expected income information input unit (2a). and the lifetime expected amount of revenue information for each unit a year that has been entered by, and the lifetime expected spending information of lifetime expected expenditure information input unit (2e) by each unit year other than the input has been mortgage, the mortgage Already amount information calculation unit and (6a) mortgage repayment amount information after prepayment implementation of each unit year for the calculated multiple of mortgage by (5f), by, for each unit year over a lifetime, there is Recalculating the expected financial asset balance amount information (5f1) after the prepayment in the unit year, which is the money that the person has when the age is reached, and the display unit (7) further includes a plurality of information for housing loans, said of the first display field, the original mortgage amount information for each unit year of each mortgage (5b), the initial lifetime expected financial assets amount information of each unit of year (5c),及beauty living The mortgage repayment in correspondence with the display of the mortgage advance repayment amount information (5a1) for each mortgage in the input field (5a) input by the home loan advance repayment amount information input unit (2f) amount information calculation unit (6a Again has been calculated, the mortgage repayments information after prepayment implementation of each unit year of each mortgage (5f), the lifetime expected financial assets amount information calculation unit (6b) unit has been calculated again by the year by the Lifetime expected financial asset balance amount information (5f1) after execution of prepayment for each deadline, and the second display column provided for each unit year over the lifetime, are displayed again together with the first display column. To do.

Further, the method for calculating lifetime financial assets according to the present invention is a method for calculating the lifetime financial assets of a mortgage borrower using a computer, wherein the computer performs unit life over the lifetime of the mortgage borrower. Expected income information that is the expected income amount of life, Lifetime expected expenditure information that is the expected spending amount per unit year over the lifetime other than the mortgage borrower's mortgage, and multiple mortgage loans of the mortgage borrower , mortgage borrowing information, a first input step of accepting mortgage repayment period information, and the input of the first mortgage interest rates information for a plurality of the mortgage, the mortgage borrowing information, housing loan repayment period information, and using the first mortgage interest rates information to calculate the original mortgage amount information for each unit year of each mortgage, raw of each of the units year The expected amount of revenue information, lifetime expected spending information for each unit year other than the mortgage, and for each unit year over a lifetime using the original mortgage amount information for each unit year of each mortgage, when they become a certain age in a first calculation step of calculating an initial forecast financial assets amount information in the unit year is the money that I have, said of each original mortgage repayments information and units a year for each unit year of each mortgage The first display step that displays the initial lifetime expected financial asset balance amount information in the first display column provided for each lifetime unit year, and more than one mortgage for each lifetime unit year provided corresponding to the first display field of the computer, carry return mortgage plurality of input fields sac Chi what Re of units year should enter the mortgage prepayment amount information for each mortgage Accepting an input of the forehead information or receiving an input of a second mortgage rates index information including a plurality interest rate to be applied for each period to set the duration of, and a second input step, a plurality of mortgage About the unit of each mortgage using the mortgage loan amount information, the mortgage repayment period information, the first mortgage interest rate information or the second mortgage interest rate information, and the mortgage advance repayment amount information Recalculate the mortgage repayment amount information after the prepayment for each year, and estimate the lifetime income for each unit year, the expected lifetime expenditure information for each unit year other than the mortgage, and a plurality of mortgages The unit year that is the money that you have at a certain age for each unit year over the lifetime using the mortgage repayment amount information after the prepayment for each unit year Put that a second calculating step of calculating a deadline before predicted financial assets amount information after repayment performed again, a plurality of mortgage initially housing per unit year of each mortgage of the first display column loan repayment information, the initial lifetime expected financial assets amount information of each unit of year, and so as to correspond to each display of mortgage prepayment amount information for each unit year of each mortgage of the input field, the is again calculated the second provided the lifetime expected financial assets amount information after the prepayment implementation of each mortgage repayments information and unit year after the prepayment implementation of each unit year of each mortgage in every single place year was The display field includes a second display step for displaying again together with the first display field .

Further, a program for calculating lifetime financial assets according to the present invention is a program for calculating lifetime financial assets that causes a computer to function as an input unit, a calculation unit, and a display unit, and is a method for calculating the lifetime financial assets. The input step, the calculation step, and the display step described are executed by respective means, respectively.

  For those who have purchased a house and borrowed a mortgage, it is the greatest whether the family life will grow along with the growth of the family without a financial failure, and the life after retirement will be safe. Is a concern. Lifetime forecast financial asset information is the index, how much is the financial asset balance that is money that you have when you are a certain age, and how much disposable income is the money that is spent on living expenses every year There is a demand to know whether the amount will decrease or increase every year, or whether it will change little.

  In the lifetime financial asset trial calculation apparatus according to the present invention, it is possible to display on the spot in an easy-to-understand manner how the expected transition of the amount changes depending on the mortgage repayment method.

  That is, according to the lifetime financial asset estimation apparatus according to the present invention, the mortgage repayment amount information calculation unit, the mortgage loan amount information input by the mortgage loan amount information input unit, and the mortgage repayment period information input unit Based on the entered mortgage repayment period information and the mortgage interest rate information input by the mortgage interest rate information input unit, the initial mortgage repayment amount information for each unit year (the mortgage repayment amount and the housing of the unit year) Loan repayment balance, etc. The same shall apply hereinafter).

  On the other hand, other than the mortgage loan entered by the lifetime expected income information input unit by the lifetime expected income information input unit by the lifetime expected income information input unit Lifetime expected expenditure information for each unit year and initial mortgage repayment amount information for each unit year calculated by the mortgage repayment amount information calculation unit. It is possible to calculate the initial expected financial asset balance amount information in the year, which is the money held by.

  Then, by the display unit, the initial mortgage repayment amount information calculated by the mortgage repayment amount information calculation unit and the lifetime expected financial asset balance amount information calculation unit are calculated for each unit year over the lifetime. The initial expected financial asset balance amount information for the current year, which is the money that the person has at the time of age, can be displayed in the first display column provided for each unit year throughout the lifetime.

  As a result, it is possible to perform a simulation by associating the transition between the mortgage repayment status for each unit year and the lifetime expected financial asset balance that affects the mortgage repayment status for each unit year. Examining the mortgage repayment status for each unit year while referring to the lifetime expected financial asset balance, and conversely examining the lifetime expected financial asset balance for each unit year while referring to the mortgage repayment status for each unit year It can be done easily.

  By displaying the mortgage repayment information such as the mortgage repayment balance and repayment amount all together, you can immediately see how the life during mortgage repayment will change at the same time depending on how you repay the mortgage Can be displayed in an easy-to-understand manner. Therefore, the lifetime expected financial asset information can be understood at a glance immediately after mortgage borrowing, and it is possible to determine the optimal mortgage repayment method while determining the transition of financial assets and disposable income of one's lifetime.

  One embodiment of a lifetime financial asset calculation apparatus, a method for calculating lifetime financial assets, and a program for calculating lifetime financial assets according to the present invention will be specifically described with reference to the drawings. FIG. 1 is a block diagram showing a configuration of a control system of a lifetime financial asset calculation apparatus according to the present invention, FIG. 2 is a diagram showing an input screen serving as an input unit of the lifetime financial asset calculation apparatus according to the present invention, and FIGS. FIG. 3 is a diagram showing a chronological table that is displayed together as a display screen serving as a display unit and an input screen serving as an input unit of the lifetime financial asset trial calculation apparatus according to the present invention. FIGS. 3 to 6 are the same year. FIG. 3 is a diagram showing the upper left screen of the chronology, FIG. 4 is a diagram showing the lower left screen of the chronology, FIG. 5 is a diagram showing the upper right screen of the chronology, and FIG. 6 is a chronology. FIG. 7 is a diagram showing an input screen for inputting interest rate fluctuation conditions, and FIG. 8 is a diagram showing a display screen serving as a display unit of the lifetime financial asset trial calculation apparatus according to the present invention.

  In FIG. 1, reference numeral 1 is a device for calculating the lifetime financial assets of a mortgage borrower, and the lifetime expected income information for inputting lifetime expected income information for each unit year of the mortgage borrower to the input unit 2. An input unit 2a, a mortgage loan amount information input unit 2b for inputting mortgage loan amount information of the mortgage borrower, and a mortgage repayment period information input unit 2c for inputting mortgage repayment period information of the mortgage borrower Mortgage interest rate information input unit 2d for inputting the mortgage borrower's mortgage interest rate information, and lifetime expected expenditure information for inputting lifetime expected expenditure information for each unit other than the mortgage borrower's mortgage An input unit 2e is provided.

  The lifetime expected income information input unit 2a inputs a numerical value to each cell such as the income information column 3a, the temporary income column 3b, the continuous income column 3c, the retirement information column 3f of the input screen 3 shown in FIG. By selecting a numerical value from a selection list prepared in advance, various lifetime expected income information is input.

  The mortgage borrowing amount information input unit 2b inputs a numerical value in each cell such as the home planning column 3d and the loan information column 3e on the input screen 3 shown in FIG. 2, or selects a numerical value from a selection list prepared in advance. In this way, mortgage borrowing amount information is input.

  The mortgage repayment period information input unit 2c inputs the variable years in the loan repayment years column of the loan information column 3e of the input screen 3 shown in FIG. 2, or selects a numerical value from a selection list prepared in advance. Mortgage repayment period information is configured to be entered.

  The mortgage interest rate information input unit 2d inputs the interest rate in the interest rate column of each loan in the loan information column 3e of the input screen 3 shown in FIG. 2 or selects a numerical value from a selection list prepared in advance. Loan interest rate information is configured to be entered.

  The mortgage interest rate information input unit 2d is configured to be able to input the mortgage interest rate by changing the mortgage interest rate multiple times, and the past interest rate is displayed in the variable interest rate input field 4a of the interest rate fluctuation condition input screen 4 shown in FIG. Enter the expected interest rate predicted by the financial planner based on the fluctuation, or change the mortgage interest rate multiple times by selecting a numerical value from a selection list prepared in advance. It is configured. In the loan (1) information column shown in Fig. 7, the interest rate is set to change every 60 months (5 years). In the loan (2) and (3) information columns, the interest rate is changed every 36 months (3 years). It is an example made into the setting which fluctuates.

  Life expectation spending amount information input unit 2e includes a household information column 3g, a life event dream plan column 3h, a child advancement policy column 3i, a marriage fund support column 3j, a continuous expenditure column 3k, etc. on the input screen 3 shown in FIG. The lifetime expected expenditure information is input by inputting a numerical value in each cell or selecting a numerical value or a character from a selection list prepared in advance.

  For mortgages, the initial interest rate is entered in the loan information field 3e of the input screen 3 shown in FIG. 2, and for the time being, the interest rate is applied for the entire period of borrowing. A front screen 5 is created. After that, the chronological screen moving button 3l in FIG. 2 is clicked to move to the chronological screen 5 shown in FIGS. 3 to 6, and the future rate is entered in the variable interest rate input field 4a on the interest rate fluctuation condition input screen 4 shown in FIG. Enter interest rate fluctuations. As a result, on the same screen of FIGS. 3 to 7, the interest rate fluctuation condition input screen 4 while looking at the interest rate fluctuation that is the future risk while watching the cash flow when the interest rate remains unchanged on the chronological table 5 Can be set.

  In addition, the input unit 2 includes a mortgage advance repayment amount information input unit 2f for inputting mortgage advance repayment amount information for each mortgage borrower and mortgage deduction information necessary for receiving a mortgage deduction. Mortgage deduction information input unit 2g and a mortgage deduction selection unit 2h for selecting whether or not to receive mortgage deduction.

  The mortgage advance repayment amount information input unit 2f includes each cell of the repayment before execution date entry field 5a of the chronological table 5 serving as both the display screen and the input screen shown in FIG. 4 and FIG. For example, as shown in the advance repayment information 5a1 in FIG. 4, the mortgage advance repayment amount information is input by inputting a numerical value or selecting a numerical value or a character from a selection list prepared in advance. The

  Regarding the mortgage advance repayment, the chronological table screen 5 shown in FIGS. 3 to 6 is created once in a state where there is no advance repayment for the time being. Thereafter, the child's burden in the expenditure column 5e of the chronological table 5 shown in FIG. 3 and FIG. 5, the financial asset balance column 5c in the initial plan column of the chronological screen 5 shown in FIG. 4 and FIG. Which year in the repayment period the prepayment will be carried out while looking at the financial asset balance displayed in the financial asset balance column 5f1 in the flow column 5f, by year in the household displayed in the annual balance column 5h in the initial plan column The advance repayment information 5a1 can be entered on the same screen in the advance repayment execution content entry field 5a while observing the transition of the balance and the financial asset balance.

The mortgage deduction information input unit 2g uses each cell shown in the input screen 3 of FIG. 2 or a cell (not shown) to move in within 6 months after acquiring the house, etc. Occupancy information, the floor area of the house (registered area) is 50m ² or more, the floor area information that one half or more of the floor area is for own residence, etc. In the case of income after deduction of salary income), such as income information that is less than 30 million yen, mortgages such as private financial institutions and housing finance corporations, the repayment period of housing loans, etc. is 10 years With the above, loan information such as repayment in installments such as monthly installments, special cases for replacement / exchange of residential property or special deductions for transferable income within the year of occupancy or within two years before or after that year (30 million Not receiving special exceptions such as yen deduction) , If there is a site, acquire the site of the house along with the house (excluding cases where there is a housing loan with a prior acquisition within 2 years), and borrowings related to the acquisition of the site (with the house (Including the case of lending in a lump sum) The numerical value is applied to each cell in which various conditions of special deduction such as housing borrowing (acquisition) of a person who acquired a new house such as that the repayment period is 10 years or more Mortgage deduction information is input by inputting or selecting numerical values and characters from a selection list prepared in advance.

  Furthermore, in addition to the above conditions, various conditions for special deductions such as housing loans (acquisition) for people who have acquired second-hand homes are 20 years after construction (steel frame, reinforced concrete, stone, brick, etc.) The fire-resistant building of the building is a building that was used after construction within 25 years), from the relatives who have the same livelihood at the time of acquisition and who continue to live after the acquisition, and those who have a special relationship Enter a number in each cell where various conditions for special deductions such as housing borrowings (acquisition) of people who have acquired used houses, such as not being an acquired house, or enter numbers and letters from a selection list prepared in advance By selecting, mortgage deduction information is configured to be input.

Furthermore, as a condition of special deductions such as housing borrowings (acquisition) of people who have renovated and renovated, the houses they own and live in are used as residences within 6 months after renovation, Continuing to live, extension and renovation subject to deduction include (i) expansion, reconstruction, large-scale repair or large-scale remodeling work stipulated in the Building Standards Act, and (ii) classification of apartments, etc. Certain repairs and remodeling work performed on the majority of floors, stairs, or walls of the part of the owned building, and (iii) living rooms, cooking rooms, bathrooms, toilets, washrooms, and bathrooms Repair or remodeling work for all floors or walls of a room in the entrance or hallway (including work related to replacement or installation of equipment that works together with the house in conjunction with these work) so Rukoto, that the total income the amount of the year to receive the deduction is equal to or less than 30 million yen, is in the area of housing after and renovation 50m ² more than half of the floor area of 1 or more parts exclusively own Being used for residence, the amount of construction cost exceeds 1 million yen, and more than half of the amount of construction cost is the construction cost of the part used for own residence The housing after construction is mainly used for own residence, and there are certain borrowings or debts that are divided and repaid over 10 years for extension and renovation, etc. Mortgage deduction by entering a numerical value in each cell where various conditions of special deduction such as housing borrowings (acquisition) of people who have renovated and renovated etc. are set or by selecting numbers and letters from a selection list prepared in advance Information is entered Configured.

  Then, according to the housing loan tax reduction system, the housing acquisition deduction amount is calculated from the conditions such as the occupancy time, the borrowing balance, the deduction period, the ratio of deduction to borrowing, the maximum deduction amount, etc., and the refund tax amount is calculated.

  The mortgage deduction selection unit 2h selects a check mark or a character from a selection list prepared in advance in each cell of the loan deduction application column 3e1 provided in the loan information column 3e of the input screen 3 in FIG. It is configured to be able to choose whether or not to receive a deduction. In this embodiment, by clicking the cell in the loan deduction application column 3e1 and selecting “O” from the selection list, the refund amount information calculation unit 6c of the calculation unit 6 calculates the home acquisition deduction amount and the refund tax amount is calculated. Is done.

  Thus, by inputting the mortgage repayment months in the home acquisition year in the loan information field 3e of the input screen 3 shown in FIG. The mortgage deduction amount can be calculated in comparison with the income tax amount calculated from other conditions.

  1 includes a mortgage loan amount information input by the mortgage loan amount information input unit 2b, a mortgage repayment period information input by the mortgage repayment period information input unit 2c, A mortgage repayment amount information calculation unit 6a that calculates mortgage repayment amount information for each unit year based on the mortgage interest rate information input by the interest rate information input unit 2d is provided. The mortgage repayment amount information for each unit year calculated by the calculation unit 6a is displayed for each unit year in the housing-related expenditure column 5b of the chronological table screen 5 shown in FIGS. In this embodiment, it is an example displayed every year as a unit year.

  Further, the calculation unit 6 includes the lifetime expected income information for each unit year input by the lifetime expected income information input unit 2a and the unit years other than the mortgage input by the lifetime expected expenditure information input unit 2e. Lifetime expected financial asset amount for calculating lifetime expected financial asset amount information for each unit year based on information on expected lifetime spending amount, mortgage repayment amount information calculated by the mortgage repayment amount information calculation unit 6a An information calculation unit 6b is provided, and the lifetime expected financial asset amount information for each unit year calculated by the lifetime expected financial asset amount information calculation unit 6b is the initial plan of the chronological table screen 5 shown in FIGS. Is displayed for each unit year in the financial asset balance column 5c.

  The lifetime expected income information for each unit year input by the lifetime expected income information input unit 2a is displayed for each unit year in the income column 5d of the chronological table screen 5 shown in FIG. 3 and FIG. Lifetime expected expenditure information for each unit year other than the mortgage entered by the expenditure information input unit 2e is displayed for each unit year in the expenditure column 5e of the chronological table screen 5 shown in FIGS.

  When the advance repayment information 5a1 is entered in the prepayment execution details input field 5a of FIG. 4 by the mortgage advance repayment amount information input unit 2f, the mortgage repayment amount information calculation unit 6a Mortgage borrowing amount information input by the information input unit 2b, mortgage repayment period information input by the mortgage repayment period information input unit 2c, and mortgage interest rate input by the mortgage interest rate information input unit 2d The mortgage repayment amount information for each unit year is calculated from the information and the mortgage advance repayment amount information input by the mortgage advance repayment amount information input unit 2f, and the chronological table screen 5 shown in FIG. 4 and FIG. This is displayed for each unit year in the cash flow column 5f by the repayment before the deadline.

  Further, the calculation unit 6 is provided with a refund amount information calculation unit 6c that calculates refund amount information for each unit year when a mortgage deduction is received from the mortgage deduction information input by the mortgage deduction information input unit 2g. The refund amount information for each unit year calculated by the refund amount information calculation unit 6c is displayed for each unit year in the loan deduction column 5g of the chronology screen 5 shown in FIGS.

  Click the cell in the loan deduction application column 3e1 on the input screen 3 shown in FIG. 2 and select to receive the mortgage deduction by the mortgage deduction selection unit 2h, and the time limit of the chronological table 5 in FIGS. 4 and 6 When the advance repayment information 5a1 is entered in the repayment details entry field 5a, the unit year when the mortgage deduction is received from the mortgage deduction information input by the mortgage deduction information input unit 2g by the refund amount calculation unit 6c The refund amount information for each unit is calculated and displayed for each unit year in the loan deduction amount column 5g of the chronological table screen 5 in FIGS.

  Lifetime expected financial asset amount information calculation unit 6b is a unit other than a mortgage loan input by life expectation income information for each unit year inputted by life expectation income information input unit 2a and life expectation expenditure information input unit 2e. Lifetime expected expenditure information for each unit year, mortgage repayment amount information calculated by the mortgage repayment amount information calculation unit 6a, and refund amount for each unit year calculated by the repayment amount information calculation unit 6c Information on the amount of lifetime expected financial assets for each unit year is calculated based on the information, and is displayed for each unit year in the financial asset balance column 5f1 of the cash flow column 5f by the prepayment on the chronological table screen 5 in FIG. 4 and FIG. Is done.

  The display unit 7 shown in FIG. 1 includes a mortgage repayment amount information for each unit year calculated by the mortgage repayment amount information calculation unit 6a and a lifetime for each unit year calculated by the lifetime expected financial asset amount information calculation unit 6b. It also serves as a display unit that displays the expected financial asset amount information and the mortgage advance repayment amount information entered by the mortgage advance repayment amount information input unit 2f for each unit year. The mortgage repayment amount information for each year is displayed in the housing-related expenditure column 5b of the chronological table screen 5 shown in FIG. 4 and FIG. 6, and the mortgage advance repayment amount information for each unit year is shown in FIG. 4 and FIG. The life expectation financial asset amount information for each unit year of the initial plan before setting the mortgage advance repayment amount information for each unit year displayed in the execution content input column 5a of the prepayment on the screen 5 is shown in FIGS. Financial assets remaining in the initial plan column of chronological table 5 shown in The time limit of the chronological table 5 shown in FIG. 4 and FIG. 6 is the lifetime expected financial asset amount information for each unit year, which is displayed in the column 5c, and the prepayment after the mortgage advance repayment information for each unit year is set. It is displayed in the financial asset balance column 5f1 in the cash flow column 5f due to prepayment.

  Therefore, for example, on the chronological table screen 5 shown in FIG. 4, the advanced repayment information 5a1 is entered in the prepayment execution content input field 5a while looking at the expected financial asset amount displayed in the financial asset balance field 5c in the initial plan field. Further, the expected financial asset amount displayed in the financial asset balance column 5f1 of the cash flow column 5f due to the prepayment can be confirmed with respect to the change in the expected financial asset amount due to the prepayment. Since a simulation can be appropriately performed on the chronological table 5 displaying these contents all at once, the operation is easy and the understanding is easy.

  In addition, as shown in the cash flow / financial asset balance transition screen 8 in FIG. 8, the display unit 7 displays the mortgage repayment amount information for each unit year on the two-dimensional coordinates composed of the year axis 8a and the amount axis 8b. In addition, the lifetime expected financial asset information for each unit year is displayed together in a line graph plotted for each unit year.

  In the cash flow / financial asset balance transition screen 8 of FIG. 8, 8c is a financial asset balance indicating lifetime expected financial asset information for each unit year of the initial plan before setting the mortgage prepayment information for each unit year. Yes, 8d is the annual income and expenditure trend (= income amount-expenditure amount), 8e is the disposable income trend, 8f is the child's educational cost trend, 8g is the total expenditure, 8h is the unit year 8i is the mortgage repayment amount per unit year, and is the balance of financial assets after the prepayment showing the lifetime expected financial asset information by unit repayment after setting the mortgage prepayment information The mortgage annual repayment amount that shows information.

  According to the above configuration, it is possible to predict the future cash flow by purchasing a home, which is the largest shopping in a life, for a prospective home purchaser, and this makes it possible to specifically identify the vague future anxiety of the prospective customer. Can be removed by presenting a simple table or graph, and further, a loan payment plan and a life improvement proposal can be made.

  In addition, by incorporating a simulation of future interest rate fluctuations in mortgages into cash flow forecasts, more realistic forecasts can be made.

  As an application example of the present invention, the present invention can be applied to an apparatus for calculating the lifetime financial assets of a mortgage borrower, and can be used in presentations at a consultation meeting at a model house where a house purchase is planned.

It is a block diagram which shows the structure of the control system of the lifetime financial asset trial calculation apparatus which concerns on this invention. It is a figure which shows the input screen used as the input part of the lifetime financial asset trial calculation apparatus which concerns on this invention. It is a figure which shows the chronology screen displayed as a display screen used as a display part and the input screen used as an input part of the lifetime financial asset trial calculation apparatus which concerns on this invention, and is the figure which divided the same chronology into 4 parts. It is a figure which shows an upper left screen. It is a figure which shows the chronology screen displayed as a display screen used as a display part and the input screen used as an input part of the lifetime financial asset trial calculation apparatus which concerns on this invention, and is the figure which divided the same chronology into 4 parts. It is a figure which shows the lower left screen. It is a figure which shows the chronology screen displayed as a display screen used as a display part and the input screen used as an input part of the lifetime financial asset trial calculation apparatus which concerns on this invention, and is the figure which divided the same chronology into 4 parts. FIG. It is a figure which shows the chronology screen displayed as a display screen used as a display part and the input screen used as an input part of the lifetime financial asset trial calculation apparatus which concerns on this invention, and is the figure which divided the same chronology into 4 parts. It is a figure which shows a lower right screen. It is a figure which shows the chronology screen displayed as both the display screen used as the display part of the lifetime financial asset trial calculation apparatus which concerns on this invention, and the input screen used as an input part, and shows the input screen which inputs interest rate fluctuation conditions FIG. It is a figure which shows the display screen used as the display part of the lifetime financial asset trial calculation apparatus which concerns on this invention.

DESCRIPTION OF SYMBOLS 1 ... Lifetime financial asset estimation apparatus 2 ... Input part 2a ... Life expectation income information input part 2b ... Mortgage borrowing amount information input part 2c ... Mortgage repayment period information input part 2d ... Mortgage interest rate information input part 2e ... Lifetime Expected spending amount information input unit 2f ... Mortgage advance repayment amount information input unit 2g ... Home loan deduction information input unit 2h ... Home loan deduction selection unit 3 ... Input screen 3a ... Revenue information column 3b ... Temporary revenue column 3c ... Continuous Revenue column 3d ... My home plan column 3e ... Loan information column
3e1 Loan deduction application column 3f ... Retirement information column 3g ... Household information column 3h ... Life event dream plan column 3i ... Child advancement policy column 3j ... Marriage fund support column 3k ... Continuous expenditure column 3l ... Chronology screen move button 4 ... Interest rate fluctuation condition input screen 4a ... Floating interest rate input column 5 ... Chronology screen 5a ... Implementation content input column for prepayment
5a1 ... Advance repayment information 5b ... Housing-related expenditure column 5c ... Financial asset balance column 5d ... Revenue column 5e ... Expenditure column 5f ... Cash flow column due to prepayment
5f1… Financial asset balance column 5g… Loan deduction column 5h… Yearly balance column 6… Calculation unit 6a… Home loan repayment amount information calculation unit 6c… Refund amount information calculation unit 7… Display unit 8… Cash flow and financial asset balance Transition screen 8a… Year axis 8b… Amount axis 8c… Financial assets balance 8d… Trends in income and expenditures by year 8e… Disposable income transition 8f… Children's educational expenses transition 8g… Total expenditure 8h… Financial asset balance after prepayment 8i… Mortgage annual repayment

Claims (3)

A device that estimates the lifetime financial assets of a mortgage borrower,
The input part (2)
Lifetime expected income information input section (2a) for inputting expected income information, which is the expected income for each unit year over the lifetime of the mortgage borrower,
Life expectation spending amount information input section (2e) for inputting life expectation spending amount information which is the expected spending amount per unit year over the lifetime other than the home loan of the mortgage borrower ,
For multiple mortgages of mortgage borrowers ,
Mortgage borrowing information input section (2b) for inputting mortgage borrowing information ,
Housing loan repayment period information input unit for inputting the mortgage repayment period information and (2c),
A first mortgage interest rate information input unit (2d) for inputting first mortgage interest rate information;
Have
The calculation unit (6)
About multiple mortgages
Mortgage borrowing amount information input by the mortgage borrowing amount information input unit (2b) ;
Said mortgage period information input unit (2c) mortgage period information input by a first mortgage interest rates information input by the first mortgage rates rate information input section (2d), by, mortgage repayments information calculating unit for calculating the initial mortgage amount information for each unit year and (6a),
Expected lifetime income information for each unit year entered by the lifetime expected income information input unit (2a) ,
Calculated by the lifetime expected expenditure information for each unit year other than the mortgage input by the lifetime expected expenditure information input unit (2e) and the mortgage repayment amount information calculation unit (6a) for the plurality of mortgages. With the initial mortgage repayment amount information (5b) for each unit year,
Lifetime expected financial asset balance amount information calculation unit (6b ) that calculates the initial expected financial asset balance amount information (5c) in the unit year, which is the money that the user has at a certain age for each unit year throughout the lifetime ) And
Have
The display (7)
About multiple mortgages
Initial mortgage repayment amount information (5b) for each mortgage calculated by the mortgage repayment amount information calculation unit (6a) ;
Wherein the life expected financial assets amount information calculating section (6b) initially lifetime expected financial assets amount information for each unit is calculated year by (5c), and displays a first provided for each unit year lifetime Display column ,
Have
Furthermore, the apparatus comprising
In the input unit (2),
Interest rate fluctuation condition input means (4) for setting a plurality of periods for a plurality of mortgages and inputting second mortgage interest rate information including an interest rate applied for each period ;
Mortgage advance repayment amount information input section (2f) for inputting mortgage advance repayment amount information (5a1) ;
Have
Mortgage advance repayment amount information (5a1) should be input by the mortgage advance repayment amount information input unit (2f) provided corresponding to the first display field for each unit year throughout the lifetime of the display unit (7). a plurality of input columns (5a) is it possible to input field of any unit year of each mortgage (5a) for inputting the mortgage prepayment amount information (5a1),
The mortgage amount information calculation unit calculating section (6) (6a) is
For a plurality of mortgages, the mortgage loan amount information input by the mortgage loan amount information input unit (2b) , the mortgage repayment period information input by the mortgage repayment period information input unit (2c) , a second mortgage rates rate information inputted by the first mortgage rates rate information or the interest rate condition input means (4) which is input by the first mortgage rates rate information input section (2d), in addition calculated the mortgage prepayment amount information input portion and mortgage prepayment amount information that has been input by the (2f) (5a1), by the mortgage repayments information after prepayment implementation of each unit year (5f) again And
The lifetime expected financial asset balance information calculation unit (6b) of the calculation unit (6)
Lifetime expected income information for each unit year input by the lifetime expected income information input unit (2a) and lifetime for each unit year other than the mortgage input by the lifetime expected expenditure information input unit (2e) and the expected expenditure information, the mortgage repayment amount information calculation unit (6a) mortgage repayment amount information after prepayment implementation of each unit year for a plurality of the mortgage, which is calculated by the (5f) , by, for each unit year over a lifetime, to calculate the expected financial asset balance amount information of the prepayment after carrying in the unit year is the money that they have when they become a certain age (5f1) again,
The display section (7)
In addition, for a plurality of housing loans, said of the first display field, the original mortgage amount information for each unit year of each mortgage (5b), the initial lifetime expected financial assets amount information of each unit of year (5c) , corresponding to the display mortgage prepayment amount information for each unit year of each mortgage及beauty mortgage the input field that is input by the prepayment amount information input unit (2f) (5a) (5a1 ), Calculated again by the mortgage repayment amount information calculation unit (6a) , the mortgage repayment amount information (5f) after the prepayment for each mortgage for each unit year, and the lifetime expected financial asset balance amount information calculation The lifetime expected financial asset balance amount information (5f1) after the prepayment for each unit year calculated again by the unit (6b) is displayed in the second display column provided for each unit year throughout the lifetime . Display again with the display column Lifetime financial asset estimation device, characterized by A method of calculating the lifetime financial assets of a mortgage borrower using a computer,
The computer is
Expected income information, which is the expected annual income over the lifetime of the mortgage borrower,
Lifetime expected spending amount information which is the expected spending amount per unit year over the lifetime other than the mortgage of the mortgage borrower ,
Mortgage borrowing amount information for a plurality of mortgages of the mortgage borrower,
Residential loan repayment period information,
And first mortgage interest rate information ,
A first input step that accepts input,
About multiple mortgages
Calculate the initial mortgage repayment information for each mortgage using the mortgage loan amount information, mortgage repayment period information, and first mortgage interest rate information,
For each unit year over the lifetime using the lifetime expected income information for each unit year, lifetime expected expenditure information for each unit year other than mortgages, and initial mortgage repayment information for each mortgage unit year, A first calculation step of calculating initial expected financial asset balance amount information in the unit year, which is money held by a person at a certain age,
The first display for displaying the initial mortgage repayment amount information for each mortgage unit and the initial lifetime expected financial asset balance amount information for each unit year in a first display column provided for each unit year throughout the lifetime Steps,
In addition, for multiple mortgages,
First display provided corresponding to the column, each mortgage mortgage prepayment amount information a plurality of input fields sac Chi what Re of the unit to be input to the computer provided in each unit year lifetime year receives an input of mortgage prepayment amount information, or receives an input of a second mortgage rates index information including a plurality interest rate to be applied for each period to set the duration of a second input step When,
About multiple mortgages
The mortgage borrowing information, mortgage repayment period information, the first mortgage interest rates information or second mortgage rates rate information, and using the mortgage prepayment amount information, each unit year of each mortgage Recalculate the mortgage repayment information after prepayment of
Use the lifetime expected income information for each unit year, lifetime expected expenditure information for each unit year other than the mortgage, and mortgage repayment information after performing prepayment for each unit year for multiple mortgages lifelong per unit year, the second of the calculation to calculate the expected financial asset balance amount information of the time limit before repayment carried out after that put when they become a certain age in the unit year is the money which you have again Te Steps,
About multiple mortgages
The original mortgage amount information for each unit year of each mortgage of the first display field, the initial lifetime expected financial assets amount information of each unit of year, and for each unit year of each mortgage of the input field housing Corresponding to each display of loan advance repayment amount information, the mortgage repayment amount information after the repayment of each mortgage and the mortgage repayment for each unit year, and the life expectancy after the prepayment for each unit year financial assets amount information to the second display column provided for each single position year, a second display step of displaying again together with the first display column,
A method for estimating lifetime financial assets using a computer characterized by comprising: A program for calculating lifetime financial assets that allows a computer to function as an input unit, a calculation unit, and a display unit,
A program for estimating life-long financial assets, characterized in that the input step, the calculation step, and the display step according to claim 2 are executed by respective means.

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