JP6419280B1 - Allowable repayment amount calculation device, repayment amount determination device, financial value calculation system and program - Google Patents

Abstract

In a housing loan, an allowable loan amount is accurately calculated.
An apparatus for calculating an allowable repayment amount for calculating a maximum amount of monthly repayment permitted in a housing loan, a condition acquisition unit for acquiring a loan condition including a loan repayment period, and a current or past from a rent database The rent value calculation unit that obtains the rent data of homes and calculates the estimated value of the rent value of the house for at least a part of the repayment period, and the sale data of the current or past house from the sale price database Acquired disposal value calculation unit that calculates the estimated value of the disposal value of the house at a predetermined time in the future, and is permitted in housing financing based on the estimated value of the rental value and the estimated value of the disposal value Provided is an allowable repayment amount calculation device including a maximum repayment amount calculation unit that calculates a maximum value of a monthly repayment amount.
[Selection] Figure 3

Description

  The present invention relates to an allowable repayment amount calculation device, a repayment amount determination device, a financial value calculation system, and a program.

A person who borrows funds for purchase of a house from a bank or the like may be forced to convert the house before repayment of the loan due to difficulty in repayment or other reasons. In this case, if the convertible price of the house is less than the borrowing balance, the borrower will bear the remaining debt, which will hinder the subsequent economic life.
Related prior art documents include the following documents.
Patent Document 1 JP 2010-277138 A

  In the United States, there are so-called non-recourse mortgage loans that limit the liability for mortgages to collateral housing and exempt the remaining debt if the collateral is not fully satisfied. However, when exempting the remaining debt, the creditor financial institution, which is the creditor, will bear the remaining debt, and eventually it will be passed on to the borrower in the form of an increase in the loan interest rate.

  For third-party underwriters when a financial institution is forced to reimburse the home before repayment of the loan due to difficulties in repayment in the future or for other reasons instead of providing a non-recourse mortgage In addition, instead of acquiring the right for collateral housing and property, granting the right to accept the loan repayment under certain conditions will bring about the same economic effect as a non-recourse mortgage. be able to. In this case, it is preferable for the underwriter to accurately estimate the allowable monthly repayment amount for the collateral housing prior to underwriting, but with conventional technology, the allowable monthly repayment amount should be calculated accurately. It was difficult.

  In order to solve the above-mentioned problem, in the first aspect of the present invention, an allowable repayment amount calculating device for calculating a maximum value of monthly repayment amount permitted in a housing loan, the loan condition including a loan repayment period A condition acquisition unit that acquires the rent data of the current or past house from the rent database, and a rental value calculation unit that calculates an estimated value of the rental value of the house in at least a part of the repayment period; A disposal value calculation unit that obtains the sale price data of the current or past house from the sale price database and calculates the estimated value of the disposal value of the house at a predetermined time in the future, and the estimated value and the disposal value of the rental value Provided is an allowable repayment amount calculation device including a maximum repayment amount calculation unit that calculates a maximum value of monthly repayment amount permitted in a housing loan based on an estimated value of value.

  The maximum repayment amount calculation unit calculates the maximum monthly repayment amount for which the difference between the estimated rental value and the monthly repayment amount in at least a part of the repayment period satisfies the condition according to the estimated disposal value. You may calculate as the maximum value of repayment amount.

  The disposal value calculation unit may calculate an estimated value of the disposal value of the house at the time of completion of the housing loan. The maximum repayment amount calculation unit is the probability that the third party underwriter will exercise the right to transfer at least a part of the housing and the site and have the housing loan repaid (this specification) The maximum value of the monthly repayment amount may be calculated based on the exercise probability).

  The maximum repayment calculator calculates the expected value for each point in time for the repayment period by multiplying the accumulated value of the difference between the estimated value of rental value after that point and the monthly repayment amount by the exercise probability at that point. And the maximum monthly repayment amount within a range where the expected risk value, which is the sum of the expected values for each time point, does not exceed the estimated value of disposal value, may be calculated as the maximum monthly repayment amount.

  The condition acquisition unit may acquire a plurality of types of repayment periods, and the maximum repayment amount calculation unit may calculate a maximum monthly repayment amount for each repayment period.

  Rent data may include at least one of current or past minimum guaranteed rent, vacancy period, and tenancy period for rental housing.

  The rent database and the sale price database may classify and record data for each region, and the rental value calculation unit and the disposal value calculation unit may acquire rent data and sale price data for the corresponding region.

  In the second aspect of the present invention, in the housing loan, it is a repayment amount determination device for determining whether or not the input monthly repayment amount is allowed, and a condition for acquiring a loan condition including a loan repayment period From the acquisition unit, the rental value calculation unit that acquires the rent data of the current or past housing from the rent database, and calculates the estimated value of the rental value of the housing in at least a part of the repayment period. A disposal value calculator that obtains data on the sale price of a current or past house and calculates an estimated value of the disposal value of the house at a predetermined time in the future, and an estimated value of the rental value and an estimated value of the disposal value A repayment amount determination device is provided that includes a repayment amount determination unit that determines whether or not an input monthly repayment amount is allowed. The loan terms may include applicable interest rates.

  According to a third aspect of the present invention, there is provided a financial value calculation system including at least one of an allowable repayment amount calculation apparatus according to the first aspect and a repayment amount determination apparatus according to the second aspect.

  According to a fourth aspect of the present invention, there is provided a program for causing a computer to function as the allowable repayment amount calculating device according to the first aspect.

  According to a fifth aspect of the present invention, there is provided a program for causing a computer to function as a repayment amount determination device according to the second aspect.

  It should be noted that the above summary of the invention does not enumerate all the necessary features of the present invention. In addition, a sub-combination of these feature groups can also be an invention.

It is a block diagram which shows the structural example of the financial value calculation system 100 based on one Embodiment of this invention. 2 is a diagram showing an outline of the operation of the underwriting company system 10. FIG. It is a block diagram which shows the outline | summary of the allowable repayment amount calculation apparatus 22. FIG. It is a figure which shows an example of the relationship between the disposal value of a house, a rental value, a monthly repayment amount, and a difference integrated value. It is a figure which shows the operation example of the maximum repayment amount calculation part. It is a figure explaining the operation example of the allowable repayment amount calculation apparatus 22. FIG. It is a figure which shows the example of calculation of the expense CF of the said house after exercising this right. It is a figure which shows the example of calculation of the net operation CF of the said house after exercise of this right. It is a figure which shows an example of the process in a difference integrated value calculation module. It is a figure which shows an example of the process in a risk expectation value calculation module. It is a figure which shows the process example of the maximum repayment amount calculation part. It is a block diagram which shows the outline | summary of the repayment amount determination apparatus. It is a figure which shows the process example of the repayment amount determination part. It is a figure which shows the operation example of the risk management apparatus 62 at the time of exercising this right. It is a figure which shows the operation example of the risk management apparatus 62 at the time of the cash flow generation | occurrence | production after this case right exercise. It is a figure which shows the example of calculation of the break-even month by the risk management apparatus 62. FIG. It is a figure which shows an example of the risk management process of the risk management apparatus 62. FIG. 9 illustrates an example computer 1800 in which aspects of the present invention can be implemented in whole or in part.

  Hereinafter, the present invention will be described through embodiments of the invention, but the following embodiments do not limit the invention according to the claims. In addition, not all the combinations of features described in the embodiments are essential for the solving means of the invention.

  FIG. 1 is a block diagram illustrating a configuration example of a financial value calculation system 100 according to an embodiment of the present invention. The financial value calculation system 100 includes an underwriting company system 10. The underwriting company system 10 borrows a mortgage or the like (referred to as a home loan in this specification) and purchases a home and a site (in this specification, the home and the site may be simply referred to as a home). But at least some of the rights to the underwriter (e.g. ownership or equivalent substantive rights. For example, selling, renting or otherwise disposing of part or all of the house and site) The right to receive the repayment of the housing loan is granted on condition that the right to obtain the compensation is transferred (referred to herein as the right).

  The underwriting company system 10 includes at least one of the pre-assessment subsystem 20, the certificate issuing subsystem 40, and the risk management subsystem 60. The underwriting company system 10 in the example of FIG. 1 includes all three subsystems. Each subsystem may have one or more computers. The underwriting company system 10 may further include at least one of a server 70, an internal network 71, and a database 74.

  The pre-assessment subsystem 20 calculates the maximum monthly repayment amount of the housing loan that is allowed when the right is granted. The pre-assessment subsystem 20 includes an allowable repayment amount calculation device 22. The allowable repayment amount calculation device 22 calculates the maximum allowable monthly repayment amount based on the future rental value of the house and the disposal value of the future house.

  The rental value of a house is a value calculated based on rent income assumed when a house is rented. The disposal value of a house is a value calculated based on the sale price assumed when the house is sold. The allowable repayment amount calculation device 22 determines the rental value and disposal value of a house based on the current or past rent data of other houses recorded in the database 74 and the current or past sale price data of other houses. May be calculated.

  If this right is exercised, the underwriter will be able to earn rent by renting the house, while paying the monthly repayment amount for the housing loan. If the monthly repayment amount is larger than the rent income, the monthly balance of the underwriter will be negative.

  In the allowable repayment amount calculation device 22 of this example, the integrated value obtained by integrating the difference between the monthly repayment amount of the housing loan and the future rental value over the loan repayment period does not exceed the future disposal value of the house. As a condition, the maximum allowable monthly repayment amount is calculated. As the disposal value of the house, an estimated value at the time of repayment of the housing loan may be used.

  The pre-assessment subsystem 20 may provide the customer terminal 78 with the calculated maximum monthly repayment amount. The customer terminal 78 is a computer managed by, for example, a financial institution, a home dealer, or a general customer who is considering purchasing a home. The pre-assessment subsystem 20 may be connected to the customer terminal 78 via an external network 76 such as the Internet, a server 70, and an internal network 71. The pre-assessment subsystem 20 may receive information from the customer terminal 78 such as the location of the house, the floor area, the floor plan, the distance from the station, the planned acquisition price, the line price of the site, and the actual price.

  Further, the financial value calculation system 100 may further include a partner company subsystem 80. The affiliated company subsystem 80 is a system managed by a financial institution or a home dealer who is affiliated with the underwriter. The partner company subsystem 80 may include an allowable repayment amount calculation device 22 similar to the pre-assessment subsystem 20. Data of the database 74 in the underwriting company system 10 is provided to the allowable repayment amount calculation device 22 of the partner company subsystem 80. The allowable repayment amount calculation device 22 of the partner company subsystem 80 may be connectable to the internal network 71. Thereby, the allowable repayment amount calculation device 22 of the partner company subsystem 80 can also accurately calculate the future rental value and disposal value of the house.

  The certificate issuance subsystem 40 in this example determines whether or not the right can be granted under the conditions when the information on the house and the desired monthly repayment amount are input. The certificate issuance subsystem 40 includes a repayment amount determination device 42. The repayment amount determination device 42 determines that the right can be granted on condition that the integrated value obtained by integrating the difference between the monthly repayment amount of the housing loan and the future rental value does not exceed the future disposal value of the housing. You can do it. Information regarding the housing and the monthly repayment amount may be input to the repayment amount determination device 42 from the customer terminal 78 or the partner provider subsystem 80.

  The certificate issuance subsystem 40 of this example issues a certificate of the subject right when the repayment amount judging device 42 judges that the subject right can be granted with the monthly repayment amount. The certificate may be a document indicating the contents of the right, or electronic data.

  The risk management subsystem 60 manages the risk of the underwriter by giving this right. The risk management subsystem 60 includes a risk management device 62. As an example, the risk management device 62 records the estimated value of the rental value and disposal value of the house calculated at the time of granting the right and the actual value of the rental value and disposal value of the house after the exercise of the right. The risk management device 62 may adjust a coefficient or a set value used for calculation in the allowable repayment amount calculation device 22 and the repayment amount determination device 42 based on the difference between the estimated value and the actual value. For example, when the actual value tends to be smaller than the estimated value of the rental value and the disposal value, the risk management device 62 calculates the allowable repayment amount calculating device 22 so as to calculate the estimated value of the rental value and the disposal value smaller. And the coefficient or setting value in the repayment amount determination device 42 is adjusted.

  FIG. 2 is a diagram showing an outline of the operation of the underwriting company system 10. The horizontal axis in FIG. 2 indicates time. As an example, at the timing when a general customer considers the purchase of a house and creates a funding plan, the allowable repayment amount calculation device 22 calculates the maximum allowable monthly repayment amount and presents it as reference information (S200). The allowable repayment amount calculation device 22 may provide a maximum monthly repayment amount in response to a request from the customer terminal 78 or the like.

  Further, at the timing when a general customer decides to purchase a house and borrows a house loan, the repayment amount determination device 42 determines whether or not the right can be granted under the condition of the inputted monthly repayment amount (S202). The monthly repayment amount may be input from the customer terminal 78 or the partner company subsystem 80. When the repayment amount determination device 42 determines that the right can be granted, the certificate issuing subsystem 40 issues a certificate of the right.

  When this right is exercised, the risk management device 62 records the actual value of the rental value of the house. The risk management device 62 records the actual value of the rental value of the house up to the point of selling the house. The house may be sold after the loan is fully paid. The risk management device 62 records the actual value of the disposal value of the house. The risk management device 62 may adjust the coefficient used for the calculation in the allowable repayment amount calculation device 22 and the repayment amount determination device 42 based on the recorded actual value.

  Thus, the maximum value of the monthly repayment amount based on the original financial value of the house can be presented by using the rental value and disposal value of the house. In addition, by granting this right at the time of loan setting, a substantially non-recourse housing loan can be provided. For this reason, anxiety of the borrower at the time of loan setting can be reduced. Moreover, the financial value of a house can be shown to a general customer who is considering housing acquisition at the time of the review, and an appropriate monthly repayment amount can be presented. In order to accurately present and determine the monthly repayment amount, it is preferable that data is accumulated in the database 74 over a sufficient region and period and is updated as needed. On the condition that another business has provided rent data and sale price data that can be stored in the database 74, the business may be authorized as an affiliated business, and data provision from the database 74 may be permitted.

  FIG. 3 is a block diagram showing an outline of the allowable repayment amount calculation device 22. The allowable repayment amount calculation device 22 includes a condition acquisition unit 24, a disposal value calculation unit 26, a rental value calculation unit 28, and a maximum repayment amount calculation unit 30. A CPU, a memory, and the like in the computer may function as the disposal value calculation unit 26, the rental value calculation unit 28, and the maximum repayment amount calculation unit 30. An interface or the like in the computer may function as the condition acquisition unit 24.

  The condition acquisition unit 24 acquires a loan condition including a repayment period of the housing loan. Loan conditions include information about the location of the house (eg zip code, distance from the station, etc.), information about the size of the house (eg site area, floor area, number of rooms, etc.), and information about the useful life of the house It's okay. The condition acquisition unit 24 may acquire a loan condition input by an administrator of the allowable repayment amount calculation device 22, may acquire a loan condition input from an external device such as the customer terminal 78, and the allowable repayment amount calculation device. 22 may be acquired in advance.

  The rental value calculation unit 28 acquires rent data of a current or past house from the rent database, and calculates an estimated value of the rental value of the house in at least a part of the repayment period. The rental value calculation unit 28 may extract the rent data of the current or past house corresponding to the loan conditions from the rent database. The rental value calculation unit 28 may extract the rent data of the corresponding house from the rent database based on at least one of the information about the location of the house, the information about the size of the house, and the information about the useful life of the house. .

  In this example, the database 74 shown in FIG. 1 functions as a rent database. The rental value calculation unit 28 may calculate an estimated value of the rental value of the house over the entire repayment period. The rental value calculation unit 28 of this example calculates an estimated value of the rental value of the house for each month over the entire period within the repayment period. The estimated value of the rental value for each month may be a constant value or a fluctuating value within the repayment period.

  The disposal value calculation unit 26 acquires the sale price data of the current or past house from the sale price database, and calculates an estimated value of the disposal value of the house at a predetermined time in the future. The disposal value calculation unit 26 may calculate an estimated value of the disposal value of the house at the time of completion of the housing loan. The disposal value calculation unit 26 may extract the sale price data of the current or past house corresponding to the loan condition from the sale price database. The disposal value calculation unit 26 may extract the sale price data of the corresponding house from the sale price database based on at least one of the information about the location of the house, the information about the size of the house, and the information about the useful life of the house. .

  The rent database and sale price database classify and record rent data and sale price data for each region. The rent database and sale price database may classify the rent database and sale price database according to various characteristics of the house such as the size of the house.

  The maximum repayment amount calculation unit 30 is based on the estimated value of the rental value calculated by the rental value calculation unit 28 and the estimated value of the disposal value calculated by the disposal value calculation unit 26. Calculate the value. The maximum repayment amount calculation unit 30 calculates a maximum monthly repayment amount in which the difference between the estimated value of the rental value and the monthly repayment amount in at least a part of the repayment period satisfies the condition corresponding to the estimated value of the disposal value, Calculated as the maximum monthly repayment amount. As described above, the maximum repayment amount calculation unit 30 calculates the monthly repayment amount on the condition that the cumulative total of the difference between the estimated value of the rental value and the monthly repayment amount does not exceed the estimated value of the disposal value. Calculate the maximum value. The maximum repayment amount calculation unit 30 may calculate the maximum value of the monthly repayment amount based on the probability of the right being exercised in each month within the repayment period.

  FIG. 4 is a diagram illustrating an example of the relationship among the disposal value, rental value, monthly repayment amount, and difference integrated value of a house. The horizontal axis in FIG. 4 indicates time, and the vertical axis indicates the amount of money. The disposal value calculation unit 26 may calculate the disposal value by multiplying the average value or the like of the current or past sale price data by a coefficient set by an administrator or the like. The disposal value may be adjusted by the risk management device 62. The disposal value calculation unit 26 may calculate an estimated value of each disposal value of the house and the site. The disposal value of the site can be calculated based on the route price of the site location at the time of housing loan setting. The disposal value calculation unit 26 may set the estimated value of the disposal value of the site as a constant value over the entire repayment period. The estimated value of the disposal value of a house may change (mainly decrease) with the passage of time. The initial value of the disposal value of a house can be calculated by subtracting the disposal value of the site calculated based on the route price from the selling price of the house and site. The secular change in the disposal value of a house can be calculated from data on the sale price of the current or past house.

  The rental value calculation unit 28 may calculate a certain rental value over the entire repayment period, or may calculate a rental value that varies from month to month. The aging of the rental value can be calculated from the current or past rent data in the rent database. In the example of FIG. 4, the monthly repayment amount is a constant value, but the maximum repayment amount calculation unit 30 may set a monthly repayment amount that varies from month to month. In FIG. 4, the difference between the monthly repayment amount and the rental value is indicated by diagonal lines.

  The maximum repayment amount calculation unit 30 may calculate a difference integrated value obtained by integrating the monthly difference between the monthly repayment amount and the rental value. The difference integrated value increases as the monthly repayment amount is set higher. The maximum repayment amount calculation unit 30 calculates the maximum monthly repayment amount within a range in which the difference accumulated value does not exceed the disposal value of the house at the time of completion of the housing loan. The maximum repayment amount calculation unit 30 may calculate the integrated difference value during a predetermined period in the repayment period.

  The maximum repayment amount calculation unit 30 preferably calculates the maximum value of the monthly repayment amount based on the exercise probability for each month. Thereby, the maximum value of the monthly repayment amount can be calculated with higher accuracy.

FIG. 5 is a diagram illustrating an operation example of the maximum repayment amount calculation unit 30. The same processing is performed for a plurality of monthly repayment amounts X _1, X ₂ ,... Within the set range. In this embodiment, X ₁ is the minimum set value of the month repayments. In FIG. 5, each month number within the repayment period of the housing loan is shown as an integer from 1 to n. In this example, the monthly repayment amount in each month is constant. The maximum repayment calculation unit 30 receives the estimated value Y of the rental value of the house for each month from the rental value calculation unit 28.

The maximum repayment amount calculation unit 30 calculates, for each month in the repayment period, an integrated value of the difference between the monthly repayment amount X and the rental value Y after the month when the right is exercised in that month. To do. For example, difference sum sigma _k in the k-th month for months repayments X ₁ is given by the following equation.

  The maximum repayment amount calculation unit 30 calculates the exercise probability α of exercising the rights due to the failure to repay the loan in each month within the repayment period based on the data recorded in the exercise probability database. To do. In this example, the database 74 shown in FIG. 1 functions as an exercise probability database.

  The exercise probability database shows the probability of repayment defaults in other past housing loans, the probability of repayment arrears in other past home loans, the probability of other factors leading to the exercise of this right, etc. May be recorded. The exercise probability database may record a case in which repayment default occurred or a case in which it did not occur in association with the monthly repayment amount, the total loan amount, or the repayment period. The maximum repayment amount calculation unit 30 may calculate the exercise probability based on the case corresponding to the loan. The exercise probability database may record data for each borrower attribute. The maximum repayment amount calculation unit 30 may calculate the exercise probability of the right based on data corresponding to the attribute of the borrower of the case.

The maximum repayment amount calculation unit 30 calculates a monthly risk expected value (corresponding to an expected value for each time point) α _k · σ _{k obtained} by multiplying the difference accumulated value σ _k of each month by the exercise probability α _k for each month. To do. The maximum repayment amount calculation unit 30 calculates an expected risk value P that is the sum of the monthly expected risk values α _k · σ _k within the repayment period. The expected risk value P for the monthly repayment amount is given by the following equation.

Maximum repayment calculator 30, the risk expected value P for monthly repayment X ₁ is, determines greater or not than the estimated value of the disposal value of houses in pay off time of mortgages. Risk expected value P is equal to or smaller than the estimated value of the disposal value, the next highest month repayments X ₂ may calculate the risk expected value P. The maximum repayment amount calculation unit 30 repeats such processing until the expected risk value P exceeds the estimated value of the disposal value, and calculates the maximum allowable monthly repayment amount. The condition acquisition unit 24 may acquire a plurality of types of repayment periods. In this case, the maximum repayment amount calculation unit 30 may calculate the maximum value of the monthly repayment amount for each repayment period. The maximum repayment amount calculation unit 30 may start processing from the largest monthly repayment amount X and detect a monthly repayment amount at which the expected risk value P is less than or equal to the estimated value of the disposal value.

  6 to 11 are diagrams for explaining the operation example of the allowable repayment amount calculation device 22 in more detail. As shown in FIG. 6, the rental value calculation unit 28 acquires rent data from the rent database and calculates the assumed rent (S602). As described above, the rental value calculation unit 28 acquires current or past rent data in a corresponding region or the like. The assumed rent may be calculated from the average value of the corresponding rent data.

  The rental value calculation unit 28 may be set with at least one of an assumed rent multiplication factor, a rent upper limit, a rent lower limit, and a rent reduction set value. The assumed rent multiplication factor is a coefficient by which the rent data to be used is multiplied. For example, when the rent data is an actual value, the assumed rent multiplication factor is a coefficient less than 1, and when the rent data is data of the minimum guaranteed rent amount, the assumed rent multiplication factor is a coefficient of 1 or more. The rent database may record current or historical minimum guaranteed rent data for rental housing. For these coefficients, values preset by an administrator or the like may be used. These coefficients may be appropriately adjusted by the risk management device 62.

  As the rent upper limit and the rent lower limit, values predetermined by an administrator or the like may be used. When the assumed rent calculated by the rental value calculation unit 28 is not within the range of the set rent upper limit and rent lower limit, the rental value calculation unit 28 may use the set rent upper limit or rent lower limit as the assumed rent.

  The rent decrease set value is a set value for the aging decrease of the rent within the repayment period. The rent reduction setting value may be set by an administrator or the like, and may be calculated by the rental value calculation unit 28 based on current or past data recorded in the rent database.

  The rental value calculation unit 28 calculates a rent cash flow (referred to herein as rent CF) based on the calculated assumed rent (S604). Rent CF indicates the expected value of monthly rent income that is assumed when the house is put on the rental market. The rental value calculation unit 28 calculates the rent CF based on at least one of the initial solicitation period, the re-recruitment period, and the tenancy period. The rent database may record the initial recruitment period and re-recruitment period (that is, the vacancy period) and the tenancy period for the rental housing.

  The initial offer period is an estimated value of the period from when the house is first placed on the rental market until the resident enters. The re-recruitment period is an estimated value of a period from when the resident of the house moves out until the next resident enters. The move-in period is an estimated value of a period from when a resident enters the house to when the resident moves out. These estimated values may be calculated by the rental value calculation unit 28 based on current or past data in the rent database. An added value may be set for these periods. The added value may be set by an administrator or the like, and may be adjusted by the risk management device 62. When the addition value is set, the rental value calculation unit 28 uses a period in which the addition value is added to the estimated value.

  Based on these periods, the rental value calculation unit 28 calculates a ratio between a period in which rent income is obtained from the house and a period in which rent income is not obtained. The rental value calculation unit 28 may calculate the rent CF by multiplying the ratio by the assumed rent.

  FIG. 7 is a diagram showing a calculation example of the expense cash flow (referred to as expense CF in this specification) of the house after the right of the case is exercised. Expense CF indicates the expected value per month for the expenses required to maintain the house during the period from the exercise of the Rights to the sale of the House. The rental value calculation unit 28 may calculate the expense CF.

  An expense ratio may be set in the rental value calculation unit 28. The rental value calculation unit 28 calculates expenses such as administrative expenses by multiplying the assumed rent calculated in S602 by the expense rate. The expense ratio may be set by an administrator or the like, and may be adjusted by the risk management device 62.

  In the rental value calculation unit 28, data for calculating a property tax imposed on a depreciable asset such as a house, a site, or the like may be set. The data includes setting values such as the taxable evaluation value of land and buildings, the fixed asset tax rate, the evaluation value of depreciable assets, the fixed asset tax reduction rate, and the reduction period. These data may be set by an administrator or the like, and may be input from a terminal such as a customer based on the information on the house. The rental value calculation unit 28 calculates the expense CF based on these data (S702).

  FIG. 8 is a diagram illustrating a calculation example of the net operation cash flow (referred to as “net operation CF” in the present specification) of the house after the exercise of the right. Net management CF shows the expected value of profit per month, which is the period from the exercise of the Rights to the sale of the House, minus the expected value of expenses from the expected value of housing rent. The rental value calculation unit 28 in this example calculates the net operation CF by subtracting the expense CF (A2) from the rent CF (A1) (S802). The rental value calculation unit 28 may input the net operation CF to the maximum repayment calculation unit 30 as an estimated value of the rental value of the house.

  FIG. 9 is a diagram illustrating an example of processing in the difference integrated value calculation module. The difference integrated value calculation module is a part of the processing module in the maximum repayment amount calculation unit 30. The difference integrated value calculation module calculates the difference integrated value for the current month based on the estimated rental value A3 of the house (that is, net operation CF). The difference integrated value for the current month corresponds to the difference integrated value for each month shown in FIG.

  The difference integrated value calculation module of this example obtains a setting value including the calculation start month and the monthly repayment amount. The start month is a month that is sequentially selected within the repayment period. The start month corresponds to the time point or number shown in FIG. The set value of the monthly repayment amount may be a set value selected from the set range of the monthly repayment amount. Moreover, the difference integrated value calculation module may acquire calculated interest rate data.

  The difference integrated value calculation module sequentially performs the processing from S902 to S910 shown in FIG. 9 for all the months from the set start month to the end month of the loan period. The difference integrated value calculation module sequentially selects each month from the set start month to the end month of the loan period (S902). The difference integrated value calculation module calculates a net cash flow (net CF) (S904). Net CF is the expected value of the house operating profit in the month selected in S902. The difference integrated value calculation module of this example calculates the net CF by subtracting the monthly repayment amount from the net operation CF.

  The difference integrated value calculation module calculates the net cash flow future value (net CF future value) (S906). The net CF future value is a value obtained by multiplying the net CF in the month selected in S902 by the compounded interest rate until the loan is fully paid.

  The difference integrated value calculation module adds the net CF future value newly calculated in S906 to the cumulative value of the net CF future value up to the previous month (S908). The difference integrated value calculation module repeats the process from S902 until the process is completed for all the months from the start month to the end month (S910).

  The difference integration value calculation module repeats the processing from S902 to S910 for all the months from the start month to the end month, and as a result, calculates the accumulation value obtained in S908 as the difference integration for the current month (ie, the set start month). It outputs as a value (S912). In the process shown in FIG. 9, by sequentially setting the start month for each month of the loan period, the difference integrated value for each month within the loan period can be calculated.

  FIG. 10 is a diagram illustrating an example of processing in the risk expectation value calculation module. The expected risk value calculation module is a part of the processing module in the maximum repayment amount calculation unit 30. The risk expected value calculation module sequentially performs the processing from S1002 to S1010 for all months from the start month to the end month of the loan period.

  The risk expected value calculation module sequentially selects each month from the start month to the end month of the loan period (S1002). In the example of FIG. 10, the month selected in S1002 is referred to as the current month. The risk expected value calculation module acquires the difference integrated value calculated by the difference integrated value calculation module described in FIG. 9 for the current month (S1004). The risk expected value calculation module calculates a risk expected value for the current month (S1006). In this example, the expected risk value for the current month is a value obtained by multiplying the accumulated difference value for the current month by the probability of exercising the rights in the current month. The expected risk value for the current month corresponds to the expected monthly value shown in FIG.

  The risk expected value calculation module calculates the risk expected value by adding the current month risk expected value to the integrated value of the current month risk expected value up to the previous month (S1008). The risk expected value calculation module repeats the processing from S1002 until the processing is completed for all months from the start month to the end month of the loan period (SS1010).

  The risk expected value calculation module outputs the integrated value obtained in S1008 as the risk expected value P as a result of repeating the processing from S1002 to S1010 for all months from the start month to the end month of the loan period ( S1012). In the processes shown in FIG. 9 and FIG. 10, the expected risk value for each monthly repayment amount can be calculated by sequentially changing the monthly repayment amount settings.

  FIG. 11 is a diagram illustrating a processing example of the maximum repayment amount calculation unit 30. Maximum repayment amount calculation unit 30 receives an estimated value of rental value from rental value calculation unit 28 and receives an estimated value of disposal value from disposal value calculation unit 26. In addition, the maximum repayment amount calculation unit 30 of this example receives the initial value, the decrease value, and the minimum value of the monthly repayment amount.

  The maximum repayment amount calculation unit 30 sequentially performs the processing from S1104 to S1110 for each monthly repayment amount from the initial value to the minimum value of the monthly repayment amount. The maximum repayment amount calculation unit 30 sequentially sets monthly repayment amounts that are sequentially decreased by a predetermined decrease value within the range from the initial value to the minimum value of the monthly repayment amount (S1104).

  The maximum repayment amount calculation unit 30 calculates an expected risk value P by the risk expectation value calculation module for the monthly repayment amount selected in S1104 (S1106). The maximum repayment amount calculation unit 30 determines whether or not the expected risk value exceeds the disposal value of the house (S1108). When the expected risk value exceeds the disposal value of the house, the processing from S1104 is repeated (S1110).

  In S1108, when the expected risk value is equal to or less than the disposal value of the house, the maximum repayment amount calculation unit 30 sets the monthly repayment amount set in the loop as the maximum allowable monthly repayment amount (S1114). ). That is, the maximum repayment amount calculation unit 30 selects the maximum monthly repayment amount under the condition that the expected risk value P does not exceed the disposal value of the house.

  In S1108, when the processing from S1104 to S1110 is completed up to the minimum monthly repayment amount while the expected risk value exceeds the disposal value of the house, the maximum repayment amount calculation unit 30 within the range of the monthly repayment amount, This right is determined to be unacceptable (S1112). The maximum repayment amount calculation unit 30 may record the results of S1112 and S1114 in the assessment table 32. The assessment table 32 may be recorded in the database 74 or may be recorded in the internal memory of the pre-assessment subsystem 20. The assessment table 32 may record an allowable monthly repayment amount, data on the location of a house, related rent data, related sale price data, a planned home acquisition price, a site price, and the like in association with each other.

  FIG. 12 is a block diagram showing an outline of the repayment amount determination device 42. The repayment amount determination device 42 determines whether or not the right granting is permitted with the input desired monthly repayment amount in the housing loan. The repayment amount determination device 42 includes a condition acquisition unit 44, a disposal value calculation unit 26, a rental value calculation unit 28, and a repayment amount determination unit 50. A CPU, a memory, and the like in the computer may function as the disposal value calculation unit 26, the rental value calculation unit 28, and the repayment amount determination unit 50. An interface or the like in the computer may function as the condition acquisition unit 44.

  The condition acquisition unit 44 acquires a loan condition including a repayment period of the housing loan and a desired monthly repayment amount. The monthly repayment amount may be input from the customer terminal 78 or the partner provider subsystem 80, or may be directly input to the repayment amount determination device 42 by an administrator of the repayment amount determination device 42 or the like. The loan conditions acquired by the condition acquisition unit 44 are the same as the loan conditions acquired by the condition acquisition unit 24 described in FIG. The disposal value calculation unit 26 and the rental value calculation unit 28 have the same functions as the disposal value calculation unit 26 and the rental value calculation unit 28 described in FIG.

  The repayment amount determination unit 50 allows the input monthly repayment amount based on the estimated value of the rental value calculated by the rental value calculation unit 28 and the estimated value of the disposal value calculated by the disposal value calculation unit 26. It is determined whether or not. The repayment amount determination unit 50 determines whether the difference between the estimated rental value and the monthly repayment amount in at least a part of the repayment period satisfies the condition corresponding to the estimated disposal value. It is determined whether the monthly repayment amount is acceptable.

  FIG. 13 is a diagram illustrating a processing example of the repayment amount determination unit 50. The repayment amount determination unit 50 inputs the estimated value of the rental value, the estimated value of the disposal value, and the monthly repayment amount into the risk expected value calculation module, and calculates the expected risk value P for the monthly repayment amount (S1302). The expected risk value calculation module is the same as the expected risk value calculation module described in FIG. The allowable repayment amount calculation device 22 and the repayment amount determination device 42 may share a risk expected value calculation module. The allowable repayment amount calculation device 22 and the repayment amount determination device 42 may be the same computer.

  The repayment amount determination unit 50 determines whether or not the expected risk value P exceeds the estimated value of the disposal value of the house (S1304). When the expected risk value P exceeds the disposal value of the house, the repayment amount determination unit 50 determines that the right cannot be granted with the monthly repayment amount (S1306). That is, it refuses to accept the loan repayment.

  When the expected risk value P is equal to or less than the disposal value of the house, the repayment amount determination unit 50 determines that the right can be granted with the monthly repayment amount (S1308). That is, accepting loan repayment is allowed.

  When accepting loan repayment, the repayment amount determination unit 50 registers that in the right table 52. The rights table 52 may be recorded in the database 74 or may be recorded in the internal memory of the certificate issuing subsystem 40. The right table 52 may record the set monthly repayment amount, the data on the location of the house, the related rent data, the related sale price data, the planned home acquisition price, the site price, and the like in association with each other. If the repayment amount determination unit 50 permits the grant of the right, the certificate issuing subsystem 40 outputs a certificate or the like indicating the content of the right (S1310).

  FIG. 14 is a diagram illustrating an operation example of the risk management device 62 at the time of exercising the right. The risk management device 62 includes the right holder ID for identifying the right holder of the right (that is, the borrower of the housing loan who has been granted the right), the exercise date on which the right holder exercised the right, and the case. Information such as a right ID for identifying the right is acquired. This information may be input by the right holder of this right via the customer terminal 78 or the like, or the administrator of the risk management device 62 may be directly input to the risk management device 62.

  The risk management device 62 acquires the contents of the corresponding right from the right table 52. The risk management device 62 may extract the contents of the corresponding right from the right holder ID or right ID.

  The risk management device 62 creates a new record in the risk management table 72. The record may include information acquired from the right table 52, information such as a right holder ID and a right exercise date. The risk management device 62 uses the net operation CF calculation module described with reference to FIG. 8 to calculate the net operation CF from the right exercise time to the loan completion time (S1402).

  The risk management device 62 records the calculated net operation CF in the cash flow table 75. The risk management device 62 associates the net operation CF with the right owner ID, the classification of the expected value or the actual value of the net operation CF (the classification in this example is the expected value), the receipt and payment date of payment, the estimated payment date, The type (for example, the type of rent, management fee, tax, etc.), the scheduled balance, etc. are recorded in the cash flow table 75. A record in the cash flow table 75 is associated with a record in the risk management table 72.

  FIG. 15 is a diagram illustrating an operation example of the risk management device 62 when a cash flow occurs after the right is exercised. That is, an example of operation of the risk management device 62 when income or payment is made to the underwriter for the house is shown.

  The risk management device 62 reads a record corresponding to the right from the risk management table 72 based on the right holder ID and the like, and reads a record corresponding to the record from the cash flow table 75. The risk management device 62 records information about the generated cash flow in the corresponding record of the cash flow table 75. The cash flow information includes a classification of whether the cash flow is an expected value or an actual value (in this example, an actual value), a receipt / payment date and a payment date, a balance type, an actual balance amount, and the like. The risk management device 62 may adjust each coefficient or set value in the disposal value calculation unit 26 and the rental value calculation unit 28 based on the difference between the expected value of cash flow and the actual value.

  FIG. 16 is a diagram illustrating a calculation example of the break-even month by the risk management device 62. The break-even month refers to the month immediately after the exercise of the Rights, and immediately before the difference accumulated value σ exceeds the estimated value of the disposal value of the house.

  The risk management device 62 reads the corresponding records from the risk management table 72 and the cash flow table 75 based on the right holder ID and the like. The risk management device 62 sequentially selects each month from the month following the last actual month in which income and expenses such as rent income actually occurred to the final month of loan repayment (S1602).

  The risk management device 62 calculates the net operation CF after the month selected in S1602 (S1604). The risk management device 62 may include the net operation CF calculation module described in FIG. Next, the risk management device 62 calculates a difference integrated value with the month selected in S1602 as the start month (S1606). The risk management device 62 may include the difference integrated value calculation module described in FIG.

  The risk management device 62 calculates an estimated value of the disposal value of the house in the month selected in S1602 (S1608). The risk management device 62 may include a disposal value calculation unit 26.

  The risk management device 62 determines whether or not the difference integrated value has exceeded the disposal value for the first time (S1610). When the difference integrated value is equal to or greater than the disposal value for the first time, the previous month of the month selected in S1602 is set as a break-even month (S1612). In other cases, the break-even month is not set. The risk management device 62 repeats the processing from S1602 until the processing for the last month of repayment is completed (S1614).

  The risk management device 62 may record the break-even month in the risk management table 72. Further, the risk management device 62 may present a break-even month to the manager of the risk management device 62 or the like. Administrators can consider when to sell a home based on the break-even month. The risk management device 62 may record information such as the net operation CF calculated for each month, the difference integrated value, and the disposal value of each month in the cash flow table 75.

  FIG. 17 is a diagram illustrating an example of risk management processing of the risk management device 62. The risk management device 62 identifies the right to be risk managed based on the right holder ID or the like. The risk management device 62 extracts records corresponding to the right from the risk management table 72 and the cash flow table 75. The risk management device 62 may present some or all of the information included in the extracted record to the administrator as risk information.

  FIG. 18 illustrates an example computer 1800 in which aspects of the present invention can be embodied in whole or in part. The program installed in the computer 1800 causes the computer 1800 to function as one or a plurality of “units” or modules of the apparatus according to the embodiment of the present invention, or causes the computer 1800 to perform each process according to the embodiment of the present invention. Or a calculation can be performed. Such a program may be executed by CPU 1812 to cause computer 1800 to perform specific processing associated with some or all of the blocks in the flowcharts and block diagrams described herein.

  A computer 1800 according to this embodiment includes a CPU 1812, a RAM 1814, a graphic controller 1816, and a display device 1818, which are connected to each other by a host controller 1810. The computer 1800 also includes input / output units such as a communication interface 1822, a hard disk drive 1824, a DVD-ROM drive 1826, and an IC card drive, which are connected to the host controller 1810 via the input / output controller 1820. The computer also includes legacy input / output units, such as ROM 1830 and keyboard 1842, which are connected to input / output controller 1820 via input / output chip 1840.

  The CPU 1812 operates according to programs stored in the ROM 1830 and the RAM 1814, thereby controlling each unit. The graphic controller 1816 acquires image data generated by the CPU 1812 in a frame buffer or the like provided in the RAM 1814 or the graphic controller 1816 itself, and causes the image data to be displayed on the display device 1818.

  The communication interface 1822 communicates with other electronic devices via a network. The hard disk drive 1824 stores programs and data used by the CPU 1812 in the computer 1800. The DVD-ROM drive 1826 reads a program or data from the DVD-ROM 1801 and provides the program or data to the hard disk drive 1824 via the RAM 1814. The IC card drive reads programs and data from the IC card and / or writes programs and data to the IC card.

  The ROM 1830 stores therein a boot program executed by the computer 1800 at the time of activation, and / or a program depending on the hardware of the computer 1800. The input / output chip 1840 may also connect various input / output units to the input / output controller 1820 via a parallel port, a serial port, a keyboard port, a mouse port, or the like.

  The program is provided by a computer-readable storage medium such as a DVD-ROM 1801 or an IC card. The program is read from a computer-readable storage medium, installed in the hard disk drive 1824, the RAM 1814, or the ROM 1830, which are also examples of the computer-readable storage medium, and executed by the CPU 1812. Information processing described in these programs is read by the computer 1800 to bring about cooperation between the programs and the various types of hardware resources. An apparatus or method may be configured by implementing information operations or processing in accordance with the use of computer 1800.

  For example, when communication is performed between the computer 1800 and an external device, the CPU 1812 executes a communication program loaded in the RAM 1814 and performs communication processing on the communication interface 1822 based on the processing described in the communication program. You may order. The communication interface 1822 reads transmission data stored in a transmission buffer area provided in a recording medium such as the RAM 1814, the hard disk drive 1824, the DVD-ROM 1801, or an IC card under the control of the CPU 1812, and the read transmission. Data is transmitted to the network or received data received from the network is written into a reception buffer area provided on the recording medium.

  Further, the CPU 1812 allows the RAM 1814 to read all or a necessary part of a file or database stored in an external recording medium such as a hard disk drive 1824, a DVD-ROM drive 1826 (DVD-ROM 1801), an IC card, etc. Various types of processing may be performed on the data on the RAM 1814. The CPU 1812 may then write back the processed data to an external recording medium.

  Various types of information, such as various types of programs, data, tables, and databases, may be stored on a recording medium to be processed. The CPU 1812 describes various types of operations, information processing, conditional judgment, conditional branching, unconditional branching, and information retrieval that are described in various places in this disclosure for data read from the RAM 1814 and specified by the instruction sequence of the program. Various types of processing may be performed, including / replacement, etc., and the result is written back to RAM 1814. Further, the CPU 1812 may search for information in files, databases, etc. in the recording medium.

  The program or software module according to the above description may be stored in a computer-readable storage medium on the computer 1800 or in the vicinity of the computer 1800. In addition, a recording medium such as a hard disk or a RAM provided in a server system connected to a dedicated communication network or the Internet can be used as a computer-readable storage medium, whereby the program is transmitted to the computer 1800 via the network. provide.

  As mentioned above, although this invention was demonstrated using embodiment, the technical scope of this invention is not limited to the range as described in the said embodiment. It will be apparent to those skilled in the art that various modifications or improvements can be added to the above-described embodiment. It is apparent from the scope of the claims that the embodiments added with such changes or improvements can be included in the technical scope of the present invention.

  The order of execution of each process such as operations, procedures, steps, and stages in the apparatus, system, program, and method shown in the claims, the description, and the drawings is particularly “before” or “prior to”. It should be noted that the output can be realized in any order unless the output of the previous process is used in the subsequent process. Regarding the operation flow in the claims, the description, and the drawings, even if it is described using “first”, “next”, etc. for convenience, it means that it is essential to carry out in this order. It is not a thing.

DESCRIPTION OF SYMBOLS 10 ... Underwriting company system, 20 ... Pre-assessment subsystem, 22 ... Allowable repayment amount calculation device, 24 ... Condition acquisition part, 26 ... Disposal value calculation part, 28 ... Rental Value calculation unit, 30 ... Maximum repayment amount calculation unit, 32 ... Assessment table, 40 ... Certificate issuance subsystem, 42 ... Repayment amount determination device, 44 ... Condition acquisition unit, 50 · .. Repayment amount determination unit, 52... Rights table, 60... Risk management subsystem, 62... Risk management device, 70... Server, 71. Table, 74 ... Database, 75 ... Cash flow table, 76 ... External network, 78 ... Customer terminal, 80 ... Partner business subsystem, 100 ... Financial value calculation system, 18 0 ... Computer, 1801 ... DVD-ROM, 1810 ... Host controller, 1812 ... CPU, 1814 ... RAM, 1816 ... Graphic controller, 1818 ... Display device, 1820 ... Input / output controller, 1822 ... communication interface, 1824 ... hard disk drive, 1826 ... DVD-ROM drive, 1830 ... ROM, 1840 ... input / output chip, 1842 ... keyboard

Claims (12)

An allowable repayment amount calculating device for calculating a maximum monthly repayment amount permitted in housing loans,
A condition acquisition unit for acquiring a loan condition including a loan repayment period;
A rent value calculation unit that obtains rent data of a current or past house from a rent database and calculates an estimated value of the rent value of the house in at least a part of the repayment period;
A disposal value calculation unit that obtains the sale price data of the current or past house from the sale price database and calculates an estimated value of the disposal value of the house at a predetermined time in the future;
A maximum repayment amount calculating unit for calculating a maximum value of the monthly repayment amount allowed in the housing loan based on the estimated value of the rental value and the estimated value of the disposal value,
The maximum repayment amount calculation unit is the largest month in a range in which a difference between the estimated value of the rental value and the monthly repayment amount in at least a part of the repayment period does not exceed the estimated value of the disposal value. An allowable repayment amount calculation device for calculating a repayment amount as a maximum value of the monthly repayment amount. An allowable repayment amount calculating device for calculating a maximum monthly repayment amount permitted in housing loans,
A condition acquisition unit for acquiring a loan condition including a loan repayment period;
A rent value calculation unit that obtains rent data of a current or past house from a rent database and calculates an estimated value of the rent value of the house in at least a part of the repayment period;
A disposal value calculation unit that obtains the sale price data of the current or past house from the sale price database and calculates an estimated value of the disposal value of the house at a predetermined time in the future;
The probability of exercising the right to have at least a part of the housing and site transferred to a third party underwriter and accept the repayment of the housing loan, and the estimated value of the rental value And a maximum repayment amount calculation unit that calculates a maximum value of the monthly repayment amount allowed in the housing loan based on the estimated value of the disposal value. The disposal value calculation unit, allowable repayment calculating apparatus according to claim 1 or 2 for calculating the estimated value of the disposal value of said housing at the pay off time of the mortgages. The maximum repayment amount calculation unit
For each time point in the repayment period, calculate the expected value for each time point by multiplying the accumulated value of the difference between the estimated value of the rental value after that time point and the monthly repayment amount by the exercise probability at that time point,
The allowable repayment according to claim 2 , wherein the maximum monthly repayment amount within a range in which a risk expected value that is a sum of expected values for each time point does not exceed the estimated value of disposal value is calculated as a maximum value of the monthly repayment amount. Forehead calculation device. The condition acquisition unit acquires a plurality of types of repayment periods,
The allowable repayment amount calculation device according to any one of claims 1 to 4 , wherein the maximum repayment amount calculation unit calculates a maximum value of the monthly repayment amount for each of the repayment periods. The allowable repayment amount calculation device according to any one of claims 1 to 5 , wherein the rent data includes at least one data of a current or past minimum guaranteed rent, a vacancy period, and an occupancy period for a rental house. The rent database and the sale price database classify and record data for each region,
The allowable repayment amount calculation device according to any one of claims 1 to 6 , wherein the rental value calculation unit and the disposal value calculation unit acquire the rent data and the sale amount data of a corresponding region. A repayment amount determination device for determining whether or not an input monthly repayment amount is allowed in a housing loan,
A condition acquisition unit for acquiring a loan condition including a loan repayment period;
A rent value calculation unit that obtains rent data of a current or past house from a rent database and calculates an estimated value of the rent value of the house in at least a part of the repayment period;
A disposal value calculation unit that obtains the sale price data of the current or past house from the sale price database and calculates an estimated value of the disposal value of the house at a predetermined time in the future;
A repayment amount determination unit for determining whether or not the input monthly repayment amount is allowed based on the estimated value of the rental value and the estimated value of the disposal value,
The repayment amount determination unit, when a difference between the estimated value of the rental value and the monthly repayment amount in at least a part of the repayment period exceeds the estimated value of the disposal value, Repayment amount determination device that determines that the payment is not allowed. A repayment amount determination device for determining whether or not an input monthly repayment amount is allowed in a housing loan,
A condition acquisition unit for acquiring a loan condition including a loan repayment period;
A rent value calculation unit that obtains rent data of a current or past house from a rent database and calculates an estimated value of the rent value of the house in at least a part of the repayment period;
A disposal value calculation unit that obtains the sale price data of the current or past house from the sale price database and calculates an estimated value of the disposal value of the house at a predetermined time in the future;
The probability of exercising the right to have at least a part of the housing and site transferred to a third party underwriter and accept the repayment of the housing loan, and the estimated value of the rental value A repayment amount determination device comprising: a repayment amount determination unit that determines whether or not the input monthly repayment amount is allowed based on the estimated value of the disposal value. A financial value calculation system comprising at least one of the allowable repayment amount calculation device according to any one of claims 1 to 7 and the repayment amount determination device according to claim 8 or 9 . A program for causing a computer to function as the allowable repayment amount calculation device according to any one of claims 1 to 7 . The program for functioning a computer as a repayment amount determination apparatus of Claim 8 or 9 .

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