JP5592683B2 - Life design support program - Google Patents

Description

  The present invention relates to a life design support program and a life design support system.

  For householders with families, housing purchases generally account for the highest proportion of spending throughout life. For this reason, the purchase time of a house, the borrowing amount of a mortgage, the repayment period, the repayment plan, etc. are the most important selection items in the lifestyle design desired by the household.

  Conventionally, various analysis tool software for enabling a user to set and repay a mortgage with confidence is known. For example, in Patent Document 1, mortgage repayment amount information for each unit year is calculated from the input mortgage loan amount information, mortgage repayment period information, and mortgage interest rate information for each unit year. Lifetime expected revenue information, lifetime expected spending information, and calculated mortgage repayment amount information for each year are calculated, and the mortgage repayment amount information and the lifetime expected financial asset are calculated. A lifetime financial asset trial calculation system that displays information for each unit year is disclosed.

JP 2007-041807 A

  However, various analysis tools and software in the past did not take into account risks due to changes in the social economic environment such as rising mortgage interest rates and falling collateral land prices. Moreover, despite the diversification of lifestyles in recent years, it has not been a detailed reflection of changes in individual circumstances of users, such as family composition, future birth of children and associated educational expenses. In order to design an optimal and rational life plan for the householder while taking into account these factors of fluctuations in personal economic conditions, consulting by persons with specialized knowledge and experience such as financial planners and life planners is required. It was.

  Therefore, the object of the present invention is to take into account the fluctuation factors of the user's personal economic situation and social economic environment promptly and refinance the mortgage based on the future life design desired by the householder. It is an object of the present invention to provide a life design support program and a life design support system that can provide a user with rational judgment materials for selecting a repayment method.

According to one embodiment of the present invention, in order to achieve the above object, a computer is provided.
Revenue transition estimation means for calculating transition of the income of the user based on information on household income input with the time out of the information on the user stored in the storage means;
Based on the prediction information of the mortgage interest rate among the prediction information based on the economic index stored in the storage means, and the mortgage repayment condition including the mortgage refinancing time selected by the user and the loan type after refinancing A mortgage repayment amount calculation means for calculating the mortgage repayment amount of the user;
Of the information on the user stored in the storage means, information on household expenditure input with time, the prediction information, and the mortgage repayment amount calculated by the mortgage repayment amount calculation means, the user Expenditure trend calculation means to estimate the trend of expenditure,
The revenue transition estimated by the income transition estimation means, the expenditure transition estimated by the expenditure transition estimation means, and the repayment amount estimated by the mortgage repayment amount estimation means are displayed all together until the average life span of the Japanese for each year. A life design support program for functioning as a lifetime balance display means to be displayed in the department,
The mortgage repayment amount calculation means displays a mortgage setting condition input table screen for accepting input of the mortgage repayment conditions including a variable interest rate, a loan type such as a fixed amount for a predetermined year on the display unit, and is input said the repayment total amount of housing loans was estimated on the basis of the repayment terms of the mortgage and displayed on the mortgage setting condition input table screen, the annual each of which has been estimated on the basis of the repayment terms of the input the mortgage Display the transition of the monthly mortgage repayment amount by the repayment graph on the display section ,
The computer,
Refinancing, borrowing, or prepayment of a mortgage based on the revenue transition estimated by the revenue transition estimation means, the expenditure transition estimated by the expenditure transition estimation means, and the repayment amount estimated by the mortgage repayment amount estimation means A required security amount calculation means for calculating a period when the savings balance due to and a free-use funds are calculated, and calculating a required security amount corresponding to the free-use funds,
Provided is a life design support program for further functioning as a risk presenting means for presenting the period during which the savings balance decreases and the required security amount at the time of insurance design or insurance solicitation .

  According to the present invention, the user's personal economic situation and social economic environment fluctuation factors are promptly taken into account, and mortgage refinancing, borrowing and loan repayment based on the future life design desired by the householder It is possible to provide a user with a rational judgment material regarding selection of a method or the like.

FIG. 1 is a block diagram illustrating a hardware configuration example of a lifestyle design support system according to an embodiment of the present invention. FIG. 2 is a diagram showing a hierarchical configuration example of the software of the lifestyle design support system. FIGS. 3A to 3D are diagrams illustrating an example of an information input table screen regarding a user household. FIGS. 4A to 4C are diagrams illustrating an example of reference data regarding simulation conditions regarding household expenditure. FIG. 5A is a diagram illustrating an example of a transition of lifetime expenditure displayed on the display unit, and FIG. 5B is a diagram illustrating an example of a transition of educational cost displayed on the display unit. FIG. 6 is a diagram illustrating an example in which a change in lifetime income, a change in lifetime expenditure, and a change in surplus funds (free-use funds) are displayed together. FIG. 7A is a diagram illustrating an example of a screen of a housing related expense input table, and FIG. 7B is a diagram illustrating an example of a screen of a mortgage setting condition input table. FIG. 8 is a diagram illustrating an example of a screen for an interest rate setting condition input table. FIG. 9 is a diagram illustrating an example of a screen of a mortgage setting condition input table at the time of refinancing. FIG. 10 is a diagram illustrating an example of a screen of a mortgage setting condition input table at the time of advance repayment. FIG. 11A is a diagram showing an example of a repayment graph screen before the advance repayment, and FIG. 11B is a diagram showing an example of the repayment graph screen after the advance repayment.

[Configuration of life design support system]
FIG. 1 is a block diagram illustrating a hardware configuration example of a lifestyle design support system according to an embodiment of the present invention. The life design support system 1 includes a control unit 11, an external storage unit 12, a display unit 13, and an input unit 14.

  The control unit 11 includes a CPU, an internal memory, a peripheral device interface for performing input / output control of control signals and data signals with the external storage unit 12 and the like, a video control board, and the like, which are connected by an internal bus. ing.

  The external storage unit 12 is composed of a storage medium capable of reading and writing data such as a magnetic hard disk and a nonvolatile memory. The external storage unit 12 stores various programs (life design support program 100 and the like) and data (input data 180, reference data 190 and the like), which will be described later, which are necessary for the control unit 11 to perform arithmetic processing.

  Here, as the input data 180, for example, a housing purchase cost, a mortgage borrowing amount, a loan repayment period (also referred to as “borrowing period” or “housing loan use years” in this specification), a repayment plan (this specification) Is also referred to as “loan type” and includes fixed interest rates, floating interest rates, etc.), household information (family structure, age or date of birth, address, etc.), annual income, living expenses, pensions, insurance, assets, etc. Information corresponds. Further, as the reference data 190, for example, social economic index information such as a mortgage interest rate, a price index, and a land price for each region is equivalent, and the information is a predicted value that is expected to rise or fall in the future from a professional viewpoint. Including the latest value is stored in the external storage unit 12 so that it can be updated at any time.

  Note that the information listed as the input data 180 and the reference data 190 is an example of information to be taken into consideration in the analysis according to the present embodiment, and not all of the information is essential information for the analysis in the present invention. Moreover, it is not intended to be limited to only this information.

  The display unit 13 is an image display device such as a CRT or a liquid crystal display, for example, and may be provided with input means such as a touch panel (not shown). In addition, the display unit 13 displays a screen generated by arithmetic processing by the control unit 11.

  The input unit 14 includes an input device such as a keyboard and a mouse. Information input by the user via the input unit 14 is stored as input data 180 in the external storage unit 12 of the control unit 11. In addition, information may be input by a user selecting in cooperation with the display unit 13 including a touch panel (not shown).

(Life design support program 100)
The life design support program 100 of this embodiment is stored in advance in the external storage unit 12 of the life design support system 1 shown in FIG. The life design support program 100 may be stored in an information storage medium (not shown) and installed in the external storage unit 12, or may be downloaded from a management server via a bidirectional telecommunication line such as the Internet. .

  The life design support program 100 may operate on an ASP (Application Service Provider) server. In this case, reference data 190 such as the latest mortgage interest rate (including a predicted value such as a fluctuation rate) is stored in the local storage unit of the ASP server in an updatable manner. According to this configuration, the user accesses (logs in) the ASP home page via the Internet or a dedicated line from a personal computer owned by the user or a terminal device installed at the provider's window, etc. Can easily receive various high-precision simulation and analysis services based on the latest forecasts regarding household balance, mortgage and insurance review.

  FIG. 2 is a diagram hierarchically showing the software configuration of the lifestyle design support system 1. The life design support program 100 includes a main control program 101 as a system control program, a display control program 102, and an input control program 103. As a program for various analyses, a lifelong budget analysis program 110, a housing cost analysis program 120.

(Main control program 101)
The main control program 101 loads each program such as the display control program 102, the input control program 103, and the lifetime fund balance analysis program 110, which will be described below, into the control unit 11, and the CPU executes arithmetic processing based on these programs. Control to a state that can be done. At this time, a plurality of tasks corresponding to each program are generated. Further, the main control program 101 is configured to appropriately switch the task to be processed by the CPU by the time sharing method (time division method) according to the input of information by the user, the analysis result, or the like. ing.

(Display control program 102)
The display control program 102 is configured to generate various selection menu screens, screens showing analysis results, graphs, and the like under the control of the main control program 101, and perform control to display these screens on the display unit 13. Has been.

(Input control program 103)
The input control program 103 is configured to store and update information input by the user via the input unit 14 as input data 180 in the external storage unit 12 under the control of the main control program 101.

  When the life design support program 100 is started, an initial main selection menu screen is displayed on the display unit 13 so that the user can select either the lifetime fund balance analysis or the housing cost analysis.

  The main control program 101 is configured such that the lifetime fund balance analysis program 110 is activated when the user clicks the lifetime fund balance analysis icon via the input unit 14 on the main selection menu screen.

(Lifetime funds balance analysis program 110)
The lifetime fund balance analysis program 110 includes a user information setting program 111, a household income transition estimation program 112, a household expenditure transition estimation program 113, and a lifetime balance transition display program 118 as subprograms.

(User information setting program 111)
FIG. 3 is a diagram illustrating an example of an information input table screen regarding a user household. When the lifetime fund balance analysis program 110 is activated, the user information setting program 111 is activated first, and the information input table screen relating to family information as shown in FIG.

  For example, as the household composition information of the user, each name is entered by inputting the name, date of birth, current age, and sex of each householder, spouse, and child in a predetermined column via the input unit 14. The input data 180 is stored in the external storage unit 12. In addition, in response to a case where a child who is not a family member at the present time but who will become a future member is scheduled to be born, minus the virtual age at the present time when the planned year is zero By entering your age, you can enter information about your child before birth.

  In the next step, an information input table screen related to household income as shown in FIG. 3B is displayed on the display unit 13.

  For example, the current annual income, stage up (promotion) scheduled age and salary increase, retirement retirement amount, etc. can be entered in a predetermined field. In addition to salary income, personal assets such as real estate, stock dividends, and asset gifts can be entered together with the amount and acquisition date when they are included in household accounting (household).

  Further, in the next step, an information input table screen related to the financial asset balance such as funding as shown in FIG. 3C is displayed on the display unit 13. For example, amounts such as housing reserve funds, senior life funding, and school fund funding can be entered in a predetermined field.

  In the next step, a screen of an information input table relating to household expenditure as shown in FIG. For example, current annual living expenses, housing-related expenses (rent, management expenses, etc. for rent, repair expenses, etc. for detached houses), fixed asset tax, income tax, resident tax, childcare / education expenses, financial asset accumulation Costs, insurance premiums (social insurance, life insurance, fire insurance, car insurance, etc.), leisure expenses (hobbies, travel, etc.), private car maintenance costs (car loans, fuel costs, car inspection expenses, etc.) Can be entered in.

  These user information items can be selected arbitrarily by the user, but more accurate life balance (life cash flow) is estimated by inputting more information known at the present time. be able to.

(Household income transition estimation program 112)
The lifetime fund balance analysis program 110 is configured to activate the household income transition estimation program 112 when an operation instruction is given to complete the input of information by the user. The household income transition trial calculation program 112 is configured to create a lifetime income transition data by calculating a transition of household income for each year based on the input information on the household income.

  In the trial calculation of the household income, the statistical average value of the periodic salary increase stored in advance in the external storage unit 12 as the reference data 190 is taken into consideration. That is, the household income transition trial calculation program 112 is configured to add the average value of the periodic salary increase read from the external storage unit 12 to the next annual income amount until the year when the householder reaches retirement age.

(Household Expenditure Trend Estimation Program 113)
When the processing by the household income transition estimation program 112 is completed, the household expenditure transition estimation program 113 is started. The household expenditure transition trial calculation program 113 includes a basic living cost simulation program 114, an education cost simulation program 115, an annuity insurance simulation program 116, and a tax simulation program 117 as subprograms.

  The household expenditure transition trial calculation program 113 first starts the basic living cost simulation program 114, the current living cost and household composition information stored as the input data 180, and the current price index stored in advance as the reference data 190, Taking into account future price forecast index, average personal consumption for each age, etc., we will simulate the transition of basic household expenses (total amount of expenses related to food, clothing and consumables) for each year It is configured.

  FIG. 4 is a diagram illustrating an example of information stored in advance in the external storage unit 12 as the reference data 190 regarding the simulation conditions related to household expenditure.

(Basic cost of living simulation program 114)
The basic living cost simulation program 114 is configured to calculate the total basic living cost as the basic living cost of a household by estimating the transition of the basic living cost to the average life expectancy age of the Japanese for each household member. In calculating the cost of living for each household member, the price forecast index for that year is weighted to the statistical average cost of living for the age and gender of the household member corresponding to that year. The amount is calculated as the basic cost of living for the household member in the year.

(Education fee simulation program 115)
The household expenditure transition estimation program 113 starts the education expense simulation program 115 in the next step, and simulates the transition of education expenses for each year until the graduation year of the final education for each household member to be educated. It is configured.

  Specifically, in estimating the educational expenses by the educational expenses simulation program 115, the type of each educational institution selected via the selection menu screen of the display unit 13 (for example, public / private middle school, public / private high school, national / private university) Corresponding to the year stored in advance as the reference data 190 for each field (for example, whether it is a technical college) or for each field (for example, whether it is a science or engineering, medical, literary, artistic or physical education). The average amount of educational expenses at the age is calculated as the educational expenses for the year.

(Pension premium simulation program 116)
The household expenditure transition trial calculation program 113 is configured to activate the annuity premium simulation program 116 in the next step to simulate the transition of premiums to be paid annually. The annuity premium simulation program 116 includes the type of insurance (life insurance, fire insurance, automobile insurance, etc.) currently subscribed to by the user entered via the information input table screen displayed on the display unit 13. The insurance premium amount of social insurance (health insurance, welfare annuity insurance, employment insurance) is calculated by multiplying a predetermined volatility by power every year as the insurance premium amount for that year. Furthermore, the annuity premium simulation program 116 calculates the premium calculated by multiplying a predetermined volatility rate by year for an individual pension fund (for example, senior life funding, student fund reserve funding, etc.) accumulated by the user. It is configured to add to the forehead.

  Prediction information of the fluctuation rates of various insurances and pensions is stored in advance in the external storage unit 12 as reference data 190, and is appropriately read in the processing by the pension insurance premium simulation program 116. In calculating social insurance premiums, the annuity premium simulation program 116 cooperates with the above-mentioned household income trend calculation program 112 to calculate the statutory insurance tax rate according to the calculated annual income of the insured. Is calculated as the social insurance premium for the year.

(Tax simulation program 117)
The household expenditure transition estimation program 113 is configured to activate the tax simulation program 117 in the next step to simulate the transition of taxes paid every year. The tax simulation program 117 is configured to estimate the amount of payment for each tax type (income tax, resident tax, property tax, inheritance / gift tax, etc.).

  For example, when calculating the income tax amount, the tax simulation program 117 calculates the income amount by subtracting the statutory salary income deduction from the taxable person's annual income amount obtained in cooperation with the household income transition estimation program 112 described above. Based on the information of household members stored as input data 180 in the external storage unit 12, the social insurance deduction, life insurance deduction, spouse deduction and dependent deduction are subtracted from the income amount as necessary. By multiplying the taxable income by the statutory tax rate stored in the reference data 190, the annual income tax payment amount is estimated.

  In addition, when calculating the resident tax amount, the tax simulation program 117 pays the annual taxable income calculated by multiplying the annual taxable income by a statutory tax rate and a certain per capita rate. Estimate as an amount.

  In addition, when calculating the property tax amount of land owned, the tax simulation program 117 evaluates the land assets based on the public land price of the area and the area of the land owned according to the land area (for example, residential land, farmland or forest). The amount is calculated. Then, based on the calculated land asset evaluation value and the predicted value of the land price of the area stored in advance in the reference data 190, the fixed asset tax amount for the land for each year is calculated.

  Moreover, in the trial calculation of the property tax amount of the owned property, the tax simulation program 117 determines a certain ratio for each year according to the structure of the building (for example, wooden, lightweight steel, reinforced concrete, etc.) from the purchase price of the building. Based on the building asset valuation depreciated in step 1, the property tax amount for the building is calculated for each year.

  The Household Expenditure Trend Trial Calculation Program 113 is the annual loan repayment obtained in cooperation with the loan repayment amount simulation program 122 described later together with the above-mentioned changes in living expenses, education expenses, pension insurance premiums and taxes calculated by each simulation program. It is configured to add the amount to the lifetime expenditure trend data. In addition, according to the circumstances of the user's household, information on temporary and one-time expenses such as new car purchase expenses, overseas travel expenses and other loans and funding, medical care expenses, social expenses for ceremonial occasions etc. It is possible to input individually through the screen of the table, and it is configured so that it can be incorporated into the estimation of the lifetime expenditure transition.

  The lifetime fund balance analysis program 110 is configured to start the lifetime balance transition display program 118 when the trial calculation process by the household income transition trial calculation program 112 and the household expenditure transition trial calculation program 113 is completed.

(Lifetime balance transition display program 118)
The lifetime balance transition display program 118 is configured to convert the lifetime income transition data created by the household income transition estimation program 112 into screen data of a line graph with the year (or the age of the householder) as the horizontal axis. Yes. In addition, the lifetime balance transition display program 118 uses the annual expenditure (or the age of the householder) as the horizontal axis for the lifetime expenditure trend data created by the household revenue and expenditure trend estimation program 113. It is configured to convert into bar graph screen data in which the ratio is color-coded for each tax.

  In addition, the lifetime balance change display program 118 is a graph in which the surplus funds (free-use funds) change obtained by subtracting the data on the change in lifetime expenditure from the lifetime income change data, for example, in the profit / loss graph for each year or accumulated for each year. It is configured to display with visualization. Further, the lifetime balance transition display program 118 is configured to generate and display the screen data of the balance sheet of the lifetime balance from the lifetime income transition data and the lifetime expenditure transition data.

  FIG. 5A is a diagram illustrating an example of a lifetime expenditure transition displayed on the display unit 13 by the lifetime balance transition display program 118. As shown in the figure, the lifetime balance transition display program 118 is configured to be able to display the generated screens of these graphs all together on the display unit 13.

  FIG. 5B is a diagram illustrating an example of the transition of educational expenses. As shown in FIG. 5 (b), the lifetime balance transition display program 118 can convert a transition of only educational expenses into a bar graph screen in which the ratio is color-coded for each child and can be displayed on the display unit 13, for example. It is configured as follows. Although not shown in the figure, it is also configured to be able to individually display changes in basic living expenses and taxes only.

  FIG. 6 is a diagram illustrating an example in which a change in lifetime income, a change in lifetime expenditure, and a change in surplus funds (free-use funds) are displayed together. In this way, the user can easily grasp the overall picture of the household's cash balance (cash flow) while comparing changes in income and balance over the lifetime.

  Further, the lifetime balance transition display program 118 is calculated according to the loan type (repayment plan) selected by the user through the screen of the mortgage setting condition input table in cooperation with the housing cost analysis program 122 described in detail below. The annual repayment amount and the repayment amount when refinancing repayment or advance repayment are instantaneously reflected in the display of the transition of the lifetime expenditure and the surplus fund transition. Thus, the user can easily compare and examine what is the most reasonable or low-risk repayment method suitable for the circumstances of the household and the life plan while viewing the screen of the display unit 13.

(Housing Cost Analysis Program 120)
Next, the housing cost analysis program 120 will be described. When housing cost analysis is selected on the main selection menu screen of the life design support program 100, the housing cost analysis program 120 is activated.

  As shown in FIG. 2, the housing cost analysis program 120 includes a housing-related information setting program 121, a loan repayment amount simulation program 122, a refinancing repayment simulation program 123, and an advance repayment simulation program 124 as subprograms. Yes.

(Housing Related Information Setting Program 121)
FIG. 7 is a diagram illustrating an example of a screen of a house related cost input table displayed on the display unit 13. When the housing cost analysis program 120 is started, the housing related information setting program 121 is started first, and a screen of a housing related cost input table as shown in FIG. 7A is displayed on the display unit 13 as the first step. It is configured as follows.

  In FIG. 7A, the “year of trial calculation” column is configured to automatically display the current year. In addition, it is configured so that a user who wants to make a loan several years later can specify a trial calculation start year by operating the input unit 14 and inputting an arbitrary year in the column.

  In each column of “Mortgage Borrowing Amount”, “Loan Execution Year”, and “Home Loan Usage Year”, the user has already entered a loan contract or a contract planned value can be input via the input unit 14 Has been.

  In addition, other columns such as “Property price”, “Expense price (down payment)”, “Administrative expenses”, “Repair reserve expenses”, etc. The input information is read from the input data 180 and is automatically displayed in the field. In the blank, additional input by the user is possible.

  The house related information setting program 121 is configured to display a screen of a mortgage setting condition input table as shown in FIG. 7B on the display unit 13 in the next step.

  The number of years already entered is automatically displayed in the “Year of Mortgage Usage” shown in the figure, and the amount of borrowing already entered is automatically displayed in “First Loan Amount”. It is configured to be.

  In the “Loan Type” column, “Floating Interest Rate”, “3-Year Fixed Interest Rate”, “5-Year Fixed Interest Rate”, “10-Year” from the pop-up list displayed by placing the cursor in the relevant column. "Fixed interest rate", "Flat 35 (substantially fixed interest rate repayment plan with fixed interest rate for 35 years)" or "Step interest rate (the interest rate setting conditions differ between the primary and secondary repayment periods, so-called" One of the repayment plans of "clearance repayment")) "is selected.

  In addition, after the fixed interest rate period ends, it is possible to reset the fixed interest rate special contract (3 years, 5 years, 10 years).

  When an amount is entered in the “second-order loan amount” field, the amount that satisfies the total mortgage borrowing amount (total) already entered is automatically displayed in the “first-order loan amount” field. It is configured as follows. That is, it is configured to be able to perform a simulation analysis in the case of a pair loan (mixed loan) in which two types of repayment plans are simultaneously combined for the borrowing amounts of the first rank loan amount and the second rank loan amount.

  When “Step interest rate” is selected in the “Loan type” column, “Preferential interest rate range (interest rate for primary repayment period)”, “Preferential interest rate application period (number of years for primary repayment period)” and “ The value is displayed by default in each column of “Interest rate after initial preferential period (interest rate for second repayment period)”. For example, the user can specify the desired interest rate and period in the “Preferential interest rate range” and “Preferential interest rate application period” fields, and the value of “Interest rate after initial preferential period” is automatically set according to the input. Is calculated and displayed in the corresponding field. As a result, the user can instantly know the interest rate after the preferential interest rate application period has elapsed.

  FIG. 8 is a diagram illustrating an example of a screen of the interest rate setting condition input table displayed on the display unit 13. The house related information setting program 121 is configured to arbitrarily set the interest rate condition as an optional input item of the user via the screen of the interest rate setting condition input table shown in FIG. That is, in the column next to each loan type, the interest rate at the beginning of the loan execution year is input, and the user can input the prediction of the subsequent interest rate change at an increase rate or a decrease rate. This makes it possible to simulate the repayment amount based on optimistic or pessimistic interest rate predictions based on user's subjectivity as well as expert predictions.

  Note that each piece of information input to the housing-related cost input table is temporarily stored in the external storage unit 12 as input data 180. In addition, the user can easily compare and examine the simulation results under different conditions only by changing the information input in the input table to arbitrary values.

(Loan Repayment Amount Simulation Program 122)
The housing cost analysis program 120 activates the loan repayment simulation program 122 when it is determined that at least the information of “mortgage borrowing amount”, “loan execution year”, “housing loan use years”, and “loan type” is input. It is configured as follows. The loan repayment amount simulation program 122 calculates the repayment amount when the interest is calculated with the annual compound interest based on such information, and calculates the repayment amount on the screen of the mortgage setting condition input table shown in FIG. The amount is displayed in the column.

  The reference data 190 of the external storage unit 12 stores the latest mortgage interest rates predicted based on the prospects of experts in economic indicators such as long-term interest rates and government bond interest rates. When “variable interest rate” is selected in the trial calculation of the total repayment amount, the latest predicted value of the mortgage interest rate read from the reference data 190 is used. When the interest rate based on the user's subjective prediction is input to the input data 180, the mortgage interest rate read from the input data 180 is used for the trial calculation of the total repayment amount.

  The loan repayment amount simulation program 122 selects the fixed interest period selected when “3-year fixed interest rate”, “5-year fixed interest rate”, or “10-year fixed interest rate” is selected as the loan type. The total repayment amount is calculated by adding the repayment amount calculated under the condition of the fixed interest rate and the repayment amount calculated under the interest rate condition predicted after the fixed interest period selected in the remaining loan repayment period. Configured to display. And based on each repayment amount calculated, the transition of the loan repayment amount every month is visualized by a repayment graph.

  Further, the loan repayment amount simulation program 122, when “step interest rate” is selected as the loan type, the repayment amount calculated under the preferential interest rate condition selected in the preferential interest rate application period and the remaining loan repayment period. The total repayment amount is calculated and displayed as the sum of the repayment amount calculated under the interest rate conditions after the end of the initial preferential period. And based on each repayment amount calculated, the transition of the loan repayment amount every month is visualized by a repayment graph.

(Refinancing simulation program 123)
FIG. 9 is a diagram illustrating an example of a screen of a mortgage setting condition input table when analyzing mortgage refinancing. The loan repayment amount simulation program 122 displays information on “Refinancing year designation”, “Refinancing type designation”, and “Refinancing preferential interest rate” shown in the circle in the broken line in the figure on the mortgage setting condition input table. If it is determined that is input, the refinancing simulation program 123 is activated.

  The refinancing simulation program 123 is changed by refinancing in the period from the refinancing year to the expiration date of the loan repayment period (completed) in the period up to the designated refinancing year. An amount obtained by adding the repayment amount calculated under the determined conditions is calculated and displayed as the total repayment amount. And based on each repayment amount calculated, the transition of the loan repayment amount every month is visualized by a repayment graph.

  For example, when a user has a mortgage contract with a variable interest rate, if the interest rate rises higher than originally expected, the repayment plan will be reconciled with a lower repayment amount when refinancing. Difficult to do. According to this embodiment, assuming various variable interest rate patterns in the future, the amount of repayment and the total repayment estimated for each repayment plan can be compared with each other. In addition, optimal refinancing conditions that avoid the peak time of expenditure can be presented to the user in advance.

(Progress repayment simulation program 124)
FIG. 10 is a diagram illustrating an example of a screen of a mortgage setting condition input table when analyzing prepayment of a mortgage. The loan repayment amount simulation program 122 designates the year in which the user intends to make the advance repayment as shown in the broken circle in the figure on the screen of the mortgage setting condition input table, and inputs the advance repayment amount In response, the advance repayment simulation program 124 is activated.

  The advance repayment simulation program 124 calculates the repayment amount calculated under the repayment conditions defined in the initial contract in the period up to the designated advance repayment year, the input advance repayment amount, and the year after the advance repayment, Based on the reduced borrowing amount, the sum of the repayment amount calculated based on the repayment conditions determined in the contract in the period until the loan repayment period expires (completed) is calculated as the total repayment amount. It is configured to be displayed on the screen.

  FIG. 11A is an example of a repayment graph screen before the advance repayment, and FIG. 11B is an example of a repayment graph screen after the advance repayment. In this way, the advance repayment simulation program 124 is configured to visualize the transition of the loan repayment amount for each year by the repayment graph based on each calculated repayment amount. As a result, the user can instantly and easily know the effect of the advance repayment.

  In addition, the loan repayment amount simulation program 122 cooperates with the above-mentioned lifetime balance change display program 118 to reflect the estimated result of the change of the loan repayment amount in the result of the change in the lifetime expenditure and the surplus funds (free funds), The repayment graph can be displayed together with or overlaid with the lifetime expenditure transition graph, balance sheet, surplus funds transition, and the like.

  As a result, users can repay mortgage loans within the production age with salary income, for example, by using a reasonable mortgage refinancing method that avoids the peak of spending including basic spending, education expenses and insurance premiums. It is possible to make a reasonable judgment on the advanced repayment method, etc., with the lowest risk, taking into consideration the fluctuation factors of the future social economic environment such as the rise in interest rates and prices. .

  In addition, since the interest reduction effect by refinancing and prepayment of mortgages can be compared with the increase in interest from other financial asset allocation based on the latest economic indicators, retirement funding plans that take into account the investment habits of both parties should be considered easily. You can also.

(Effect of this embodiment)
Therefore, according to the lifestyle design support system 1 of the present embodiment, by visualizing the cash flow of the household predicted in the future, the user in the future mainly selects the method of mortgage refinancing, borrowing or repayment. It is possible to provide the most reasonable judgment material according to the economic situation of the householder and the desired life plan, taking into account the personal economic situation and the fluctuation factors of the social economic environment. In addition, by calculating the required amount of security based on the lifestyle design, it is possible to easily design an optimal insurance policy and meet the need for insurance review in the insurance solicitation.

  The present invention is not limited to the above-described embodiment, and various modifications can be made without departing from the scope of the present invention. For example, each means is realized by the CPU of the control unit 11 and the programs 100 to 124, but may be realized by hardware such as an ASIC (Application Specific IC).

  The programs 100 to 124 may be taken into the external storage unit 12 from a recording medium such as a CD-ROM, or may be taken into the external storage unit 12 from a server device or the like via a network.

  In addition, based on the estimated income trend, expenditure trend, and repayment trend, the amount of savings due to mortgage refinancing, borrowing, or advanced repayment and the amount of free-use funds were calculated to deal with free-use funds. You may calculate the required amount of security (survivor's living fund) and present the period during which the savings balance will decrease and the required amount of security at the time of insurance design or insurance offer proposal. As a result, it is possible to obtain an effective judgment material when reviewing the required security amount and reviewing the disease risk that may occur in the future.

DESCRIPTION OF SYMBOLS 1 ... Life design support system, 11 ... Control part, 12 ... External storage part, 13 ... Display part, 14 ... Input part, 100 ... Life design support program, 101 ... Main control program, 102 ... Display control program, 103 ... Input Control program, 110 ... Lifetime funds balance analysis program, 111 ... User information setting program, 112 ... Household income transition estimation program, 113 ... Household expenditure transition estimation program, 114 ... Basic living cost simulation program, 115 ... Educational cost simulation program, 116 ... Pension premium simulation program, 117 ... Tax simulation program, 118 ... Lifetime balance transition display program,
120 ... Housing cost analysis program, 121 ... Housing related information setting program, 122 ... Loan repayment amount simulation program, 123 ... Refinancing repayment simulation program, 124 ... Advance repayment simulation program, 180 ... Input data, 190 ... Reference data,

Claims (1)

Computer
Revenue transition estimation means for calculating transition of the income of the user based on information on household income input with the time out of the information on the user stored in the storage means;
Based on the prediction information of the mortgage interest rate among the prediction information based on the economic index stored in the storage means, and the mortgage repayment condition including the mortgage refinancing time selected by the user and the loan type after refinancing A mortgage repayment amount calculation means for calculating the mortgage repayment amount of the user;
Of the information on the user stored in the storage means, information on household expenditure input with time, the prediction information, and the mortgage repayment amount calculated by the mortgage repayment amount calculation means, the user Expenditure trend calculation means to estimate the trend of expenditure,
The revenue transition estimated by the income transition estimation means, the expenditure transition estimated by the expenditure transition estimation means, and the repayment amount estimated by the mortgage repayment amount estimation means are displayed all together until the average life span of the Japanese for each year. A life design support program for functioning as a lifetime balance display means to be displayed in the department,
The mortgage repayment amount calculation means displays a mortgage setting condition input table screen for accepting input of the mortgage repayment conditions including a variable interest rate, a loan type such as a fixed amount for a predetermined year on the display unit, and is input said the repayment total amount of housing loans was estimated on the basis of the repayment terms of the mortgage and displayed on the mortgage setting condition input table screen, the annual each of which has been estimated on the basis of the repayment terms of the input the mortgage Display the transition of the monthly mortgage repayment amount by the repayment graph on the display section ,
The computer,
Refinancing, borrowing, or prepayment of a mortgage based on the revenue transition estimated by the revenue transition estimation means, the expenditure transition estimated by the expenditure transition estimation means, and the repayment amount estimated by the mortgage repayment amount estimation means A required security amount calculation means for calculating a period when the savings balance due to and a free-use funds are calculated, and calculating a required security amount corresponding to the free-use funds,
At the time of proposal of insurance design time or insurance recruitment, living design support program for further function as a risk presenting means for presenting the required guarantee amount and the period in which the savings balance is reduced.

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