JP6548805B1 - Property information processing apparatus, property information processing method, and program - Google Patents

Abstract

A property information processing apparatus, a property information processing method, and a program capable of performing processing using two or more attribute values of a real estate property and outputting a processing result such as LTV information. A property information storage unit 111 that stores property information having two or more attribute values related to a real estate property, a score acquisition unit 131 that acquires a score for real estate using two or more attribute values, and a score The property information processing apparatus 1 including the processing result acquisition unit 132 that performs processing using the processing result and acquires the processing result and the processing result output unit 141 that outputs the processing result considers two or more attribute values of the real estate property. A score is acquired, processing is performed using the score, and a processing result is output. [Selection] Figure 2

Description

  The present invention relates to a property information processing apparatus and the like for processing information on real estate property.

  Heretofore, there has been a real estate property evaluation support device capable of obtaining the appraisal price of real estate (see Patent Document 1).

Unexamined-Japanese-Patent No. 2017-215871

  However, in the prior art, it was not possible to obtain information on a mortgage such as LTV, interest rate, loan fee, etc. using two or more attribute values of a real estate property.

  Further, in the related art, in the related art, a score is obtained using two or more attribute values of a real estate property, processing is performed using the score, and the result of the processing can not be output. The result of the processing is, for example, information such as LTV, interest rate, loan fee, a map showing the score, a drawing of the building showing the score, and the like.

  The property information processing apparatus according to the first aspect of the present invention is a score for acquiring a score for real estate using a property information storage unit in which property information having two or more attribute values related to real estate property is stored and two or more attribute values. The property information processing apparatus includes an acquisition unit, a processing result acquisition unit that acquires a processing result by performing processing using a score, and a processing result output unit that outputs a processing result.

  With this configuration, it is possible to obtain a score in consideration of two or more attribute values of a real estate property, perform processing using the score, and output a processing result.

  Further, in the property information processing apparatus according to the second aspect of the present invention, the processing result acquisition unit acquires LTV information specifying the LTV which becomes a larger value as the score is higher than the first invention, and the processing result output unit Is a property information processing apparatus that outputs LTV information.

  According to this configuration, it is possible to obtain a score in consideration of two or more attribute values of a real estate property, obtain LTV using the score, and output it.

  In the property information processing apparatus according to the third aspect of the present invention, the processing result acquisition unit acquires interest rate information that specifies an interest rate that decreases as the score increases with respect to the first invention, and the processing result output unit Is a property information processing apparatus that outputs interest rate information.

  With this configuration, it is possible to obtain a score in consideration of two or more attribute values of a real estate property, obtain an interest rate using the score, and output it.

  In the property information processing apparatus according to the fourth aspect of the present invention, the processing result acquisition unit acquires, for the first invention, the loan commission information specifying the loan commission which becomes smaller as the score is higher, and the processing result The output unit is a property information processing apparatus that outputs loan fee information.

  With this configuration, it is possible to obtain a score taking into consideration two or more attribute values of a real estate property, obtain a loan fee using the score, and output it.

  In the property information processing apparatus according to the fifth aspect of the present invention, the property information has position information for specifying the position of the property, and the map information as the map information is stored in the property information according to the first invention. The information storage unit is further provided, and the processing result acquisition unit uses the map information of the map information storage unit so that the score can be visually recognized in association with the position on the map indicated by the position information. The map information is configured, and the processing result output unit is a property information processing apparatus that outputs score expression map information.

  With this configuration, it is possible to obtain a score in consideration of two or more attribute values of a real estate property, and to output a map in which the score and the position of the property can be visually grasped.

  In the property information processing apparatus according to the sixth aspect of the present invention, the property information includes arrangement information which is information on relative arrangement in the group housing including the property, in contrast to the first invention, the real estate property The processing information acquisition unit further includes a drawing information storage unit in which drawing information is stored, which is information on drawings of an apartment building including the information processing unit, and the processing result acquisition unit correlates the position of the The drawing information of the score information is configured using the drawing information of the drawing information storage unit so that it can be recognized as such, and the processing result output unit is a property information processing apparatus that outputs the drawing information of the score expression.

  With this configuration, it is possible to obtain a score in consideration of two or more attribute values of a real estate property, and output a building drawing in which the score and the position of the property can be visually grasped.

  The property information processing apparatus according to the seventh aspect of the present invention is a property information storage unit in which property information having two or more attribute values related to real estate property is stored, and one or more related to a mortgage by using two or more attribute values. The property information processing apparatus includes a processing result acquisition unit for acquiring the loan information and a processing result output unit for outputting one or more pieces of loan information.

  According to this configuration, it is possible to obtain and output loan information on a mortgage by using two or more attribute values of a real estate property.

  In the property information processing apparatus according to the eighth aspect of the present invention, the property information processing is one or more of LTV information, interest rate information, and loan commission information, with respect to the seventh aspect. It is an apparatus.

  According to this configuration, it is possible to obtain and output loan information on a mortgage by using two or more attribute values of a real estate property.

  In the property information processing apparatus according to the ninth aspect of the present invention, with respect to the first to eighth aspects of the invention, the attribute value of 2 or more indicates the selling price information specifying the selling price, and the contract price specifying the contract price Price information, appraisal price information to identify appraisal price, discounted feeling information to identify the degree of discount, periodic term rent information to identify the rent for periodic period, vacancy rate information to identify the vacancy rate, surface yield to identify Information on the amount of interest to be paid, return probability information for specifying the probability of profit, price reduction information for specifying the rate of decline, property price for the previous fiscal year for specifying the year-on-year comparison of the price of the real estate property The station previous year ratio information that specifies the year-on-year ratio of the price for the property of the year, the administrative district last year year-to-date information that specifies the year-to-year ratio with the price for the property in the administrative area where the real estate property exists, the price for the property in the administrative district where the real estate property exists The line which specifies the year-on-year ratio The average rate of decline in the unit period of the property price is specified. The average rate of decrease information Property price Unit period price Average property rate of the nearest station Determine the average rate of decrease of the unit period of the station average rate of decrease information Identify the rate of decrease Average rate of decrease information Identifying the year-on-year rate of the price for properties in the administrative district to be calculated Average price of unit period price of the property period Administrative district to determine the average decline rate of unit period of the administrative district where the real estate property is located Average Decline Information Identifying the Average Decline Station Average Decline Information Identify the Decline Average Decline Information The information from the last year's information on the constituency area, and more than two of the loan decline information on the principal decline in real estate property loans. A property information processing apparatus.

  With this configuration, it is possible to obtain a score in consideration of appropriate two or more attribute values of a real estate property, perform processing using the score, and output a processing result.

  According to the property information processing apparatus according to the present invention, processing can be performed using two or more attribute values of the real property, and the processing result can be output.

Conceptual diagram of the information processing system A in the first embodiment Block diagram of same property information processing apparatus 1 Flow chart for explaining the operation of the property information processing apparatus 1 A flowchart explaining the same score acquisition process A flowchart describing the same processing result acquisition processing A flowchart for explaining an operation example of the terminal device 2 Figure showing an example of same property information Chart showing the reflection degree management table Chart showing the variation table of the same coefficient Chart showing the variation table of the same coefficient Diagram showing the same score management table Diagram showing the same process information management table Figure showing an example output of the same loan information A figure showing an output example of the same score expression map information A diagram showing an output example of sameness score display drawing information Block diagram of information processing system B in the second embodiment Flow chart for explaining the operation of the property information processing apparatus 3 A flowchart describing the same processing result acquisition processing Overview of computer system in the above embodiment Block diagram of the same computer system

  Hereinafter, embodiments of a property information processing apparatus and the like will be described with reference to the drawings. In addition, since the component which attached the same code in embodiment performs the same operation | movement, description for the second time may be abbreviate | omitted.

  Embodiment 1

  In the present embodiment, an information processing system will be described that calculates a score of a property using two or more attribute values related to the property, performs processing using the score, and outputs a processing result.

  Although details of the processing result will be described later, for example, information of LTV, information of interest rate of loan, information of loan fee in case of loan, information of map where score is exposed, building drawing where score is exposed And so on. LTV is the loan to value ratio. LTV is also called the loan amount ratio, and is information that represents the ratio of loans to the value of assets.

  FIG. 1 is a conceptual view of an information processing system A in the present embodiment. The information processing system A includes a property information processing apparatus 1 and one or more terminal devices 2. The property information processing apparatus 1 is, for example, a so-called server. The server may be, for example, a so-called cloud server, an ASP server, etc., regardless of its type and installation location. The terminal device 2 is, for example, a so-called personal computer, a smartphone, a tablet terminal or the like, and the type thereof is not limited.

  FIG. 2 is a block diagram of an information processing system A in the present embodiment. The property information processing apparatus 1 configuring the information processing system A includes a storage unit 11, a reception unit 12, a processing unit 13, and an output unit 14. The storage unit 11 includes a property information storage unit 111, a map information storage unit 112, and a drawing information storage unit 113. The processing unit 13 includes a score acquisition unit 131 and a processing result acquisition unit 132. The output unit 14 includes a processing result output unit 141.

  The terminal device 2 includes a terminal storage unit 21, a terminal reception unit 22, a terminal processing unit 23, a terminal transmission unit 24, a terminal reception unit 25, and a terminal output unit 26.

  The storage unit 11 of the property information processing apparatus 1 stores various types of information. The various types of information are, for example, property information described later, map information described later, and drawing information described later. The various information may include, for example, various arithmetic expressions to be described later, various tables to be described later, a learning device to be described later, and the like.

  The property information storage unit 111 stores one or more pieces of property information. Article information is information about a real estate article. The real estate is, for example, an apartment, a collective housing such as an apartment, a detached house or the like. Real estate may be used or new construction.

  Property information usually has two or more attribute values. Each attribute value of 2 or more is usually an attribute value related to a real estate property, such as data of a real estate property. Two or more attribute values may have an owner attribute value that is an attribute value of the property owner. The owner attribute value is, for example, annual income information specifying an annual income, income tax information specifying an owner's income tax, and residence tax information specifying an owner's residence tax. The annual income information is, for example, information indicating the annual income itself or the rank of the annual income. The income tax information is, for example, information represented as income tax itself or income tax rank. The income tax information is, for example, information represented as income tax itself or income tax rank. The property information may have position information that specifies the position of the property. The position information is, for example, (latitude, longitude), information indicating a relative position in the area that can be specified, or an address. In addition, the property information may include arrangement information that specifies relative arrangement in the collective housing including the property. The arrangement information is, for example, a room number, a floor number and a room number, and information (for example, one or more coordinate values) indicating a relative position in the drawing of the building. The property information has, for example, a property identifier for identifying a property. The property identifier is, for example, an ID, an address, a telephone number or the like, and any information that identifies the property may be used. In addition, the acquisition method of two or more each attribute value contained in property information does not matter.

  The two or more attribute values possessed by the property information include, for example, type information indicating the type of the property. The type information is, for example, information indicating a used house (for example, "used"), or information indicating a new construction (for example, "new construction").

  The two or more attribute values possessed by the property information include, for example, house type information. Housing type information is information indicating the type of housing configuration. Housing type information is, for example, information indicating an apartment house, or information indicating a detached house. Also, the type information may be, for example, information indicating any one of an apartment and a detached house. Further, the type information may be, for example, information indicating any one of an apartment, an apartment, a detached house, and the like.

  Two or more attribute values possessed by the property information are, for example, sales price information, contract price information, assessment price information, discounted feeling information, regular period rent information, vacancy rate information, surfacing information, return probability information, lower value Rate information, age information, property used price increase rate information, corrected property used price increase rate information, corrected station used price increase rate information, corrected administrative district used price increase rate information, corrected property used price increase rate last year Ratio information, Station used price increase rate after correction year-to-year ratio information, Revised administrative district second-hand price increase ratio year-to-date ratio information, future converted unrealized profit information, dwelling unit comparison discounted feeling information, property price last year ratio information, station last year ratio information, Administrative district last year relative information, average decline rate information, station average decline rate information, administrative district average decline rate information, 1 or more information of loan decrease information is included.

  The sale price information is information specifying the sale price. The sale price information is, for example, the sale price itself, information which ranks the sale price (for example, 10 million yen, 50 million yen, 55 million yen to 50 million yen, etc.). The sale price information is, for example, information received by the reception unit 12 from an external server (not shown) or information input by the user and received by the reception unit 12.

  The contract price information is information that specifies the contract price. The contract price information is, for example, the contract price itself, and information obtained by dividing the contract price into ranks (for example, 15 million yen, 60 million yen, 35 million to 38 million yen, etc.). The contract price information is, for example, information received by the reception unit 12 from an external server (not shown) or information input by the user and received by the reception unit 12.

  Assessment price information is information that identifies the assessment price. The assessment price information is, for example, the assessment price itself, and information which ranks the assessment price (for example, 20 million yen, 68 million yen, 25 million yen to 30 million yen, etc.). Further, the assessment price information is, for example, information received from an external server (not shown) or information input by the user and accepted by the accepting unit 12. The assessment price information is, for example, a price acquired by the processing unit 13 using one or more attribute values. The processing unit 13 may, for example, sell sale price information, regular period rent information, surfacing information, return probability information, property used price increase rate information, corrected property used price increase rate information, corrected station used price increase rate information, Corrected administrative district used price increase rate information, corrected property used price increase rate last year rate information, corrected station used price increase rate last year rate information, corrected administrative district used price rate higher rate last year rate information, future conversion unrealized profit information, Appraised price information is acquired by calculating with an increase function using one or more attribute values as a parameter among housing unit comparison cheap feeling information, property price last year relative information, station last year relative information, and administrative district last year relative information. In addition, the process part 13 can use the well-known technique which is described in patent document 1 grade | etc., As a technique which calculates an assessment price automatically.

  The processing unit 13 may also obtain, for example, assessment price information that is paired with a vector closest to a vector configured using two or more attribute values of property information, from the correspondence table. In such a case, the correspondence table is a table having two or more correspondence information that is a pair of a vector configured using two or more attribute values and the assessment price information. Further, it is assumed that the correspondence table and the correspondence table to be described later are stored in the storage unit 11, for example.

  In addition, the processing unit 13 learns, for example, a vector configured using two or more attribute values possessed by property information and an assessment price by a machine learning algorithm, configures a learning device, and evaluates the learning device. Apply a vector configured using two or more attribute values possessed by the property information of the target property by the machine learning algorithm, and acquire the assessment price information. It goes without saying that the algorithm used in this processing and machine learning to be described later does not matter. For machine learning, deep learning, SVR, random forest, decision trees, etc. can be used, for example. In addition, in machine learning, in order to configure a learning device, for example, a group of information (for example, two or more attribute values) to be input to a machine learning function (for example, fasttext, tiny_svm, various randomForest functions, etc.) A learning device can be obtained by providing, as arguments, a vector configured using the information and information to be output (for example, assessment price information). Also, in machine learning, in the case of prediction, predicted information is obtained by giving a learning device and an input information group (for example, a vector configured using two or more attribute values) as an argument to a machine learning function. (Eg, assessment price information) is obtained.

  The bargaining feeling information is information for specifying the degree of bargaining feeling. The bargain price information is, for example, a numerical value of 1 to 5 or any information among “A, B, C”. The bargaining feeling information may be any information that specifies the degree of bargaining feeling, and the expression thereof does not matter. That is, the degree of cheapness is an example of cheap feeling information. The discounted feeling information is, for example, information received from a server (not shown) or information input by the user and accepted by the accepting unit 12.

  Further, the processing unit 13 substitutes, for example, two or more attribute values into a predetermined arithmetic expression, and acquires discounted feeling information. Note that the calculation formula determined in advance is, for example, “the degree of discount = (assessment price information for specifying the assessment price-contract price information for specifying the contract price) / assessment price information”.

  Further, the processing unit 13 may obtain, for example, from the correspondence table, discounted feeling information that is paired with a vector closest to a vector configured using two or more attribute values included in the property information. In such a case, the correspondence table is a table having two or more pieces of correspondence information that are a pair of a vector configured using two or more attribute values and discounted feeling information.

  Further, the processing unit 13 learns, for example, a vector configured using two or more attribute values possessed by property information and discounted feeling information by a machine learning algorithm, configures a learning device, and A vector constructed using two or more attribute values possessed by the property information of the property is applied by a machine learning algorithm to acquire discounted feeling information.

  The fixed term rent information is information for specifying the fixed term rent. The periodic period is, for example, one year, one month, three years, and the like. The regular period rent information is, for example, the regular period rent itself or information obtained by dividing the regular period rent into ranks (eg, 100,000 yen, 180,000 yen, etc.). The regular period rental information is, for example, information received from a server (not shown) or information input by the user and accepted by the accepting unit 12. The regular period rent information is, for example, a price acquired by the processing unit 13 using one or more attribute values.

  The processing unit 13 calculates, for example, the regular period rental information according to an arithmetic expression having, as a parameter, one or more attribute values excluding regular period rent information among the two or more attribute values described above. The arithmetic expression is, for example, an increase function using one or more attribute values of sale price information, assessment price information, and the like as a parameter.

  In addition, the processing unit 13 may acquire, for example, regular period rent information paired with a vector closest to a vector configured using two or more attribute values included in property information, from the correspondence table. In such a case, the correspondence table is a table having two or more pieces of correspondence information that are a pair of a vector configured using two or more attribute values and regular period rent information.

  In addition, the processing unit 13 learns, for example, a vector constructed using two or more attribute values possessed by property information and regular period rent information by an algorithm of machine learning, configures a learning device, and Apply a vector constructed using two or more attribute values possessed by the property information of the property according to a machine learning algorithm to acquire rental information for a fixed period.

  The vacancy rate information is information for specifying the vacancy rate. The vacancy rate information is, for example, the vacancy rate itself, information obtained by dividing the vacancy rate into ranks (for example, 5%, 10%, 3% to 5%, etc.). The vacancy rate information is, for example, information received from a server (not shown) or information input by the user and accepted by the accepting unit 12. The vacancy rate information is, for example, a price acquired by the processing unit 13 using one or more attribute values.

  For example, the processing unit 13 calculates the vacancy rate information according to an arithmetic expression having, as a parameter, one or more attribute values excluding the vacancy rate information among the two or more attribute values described above.

  In addition, the processing unit 13 may acquire, for example, vacancy rate information paired with a vector closest to a vector configured using two or more attribute values included in property information from the correspondence table. In such a case, the correspondence table is a table having two or more pieces of correspondence information that are pairs of vectors configured using two or more attribute values and vacancy rate information. In addition, it is preferable that the correspondence table be stored for each area.

  Further, the processing unit 13 learns, for example, a vector configured using two or more attribute values possessed by property information and vacancy rate information using a machine learning algorithm, configures a learning device, and The vacancy rate information is acquired by applying a vector configured using two or more attribute values of the property information of the property in accordance with a machine learning algorithm.

  The surfacing yield information is information that indicates the surface yield. The coupon information is information on the revenue when rented, and is information indicating, for example, the amount of profit, the rate of return, and the rank of the profit. For example, the surface benefit information is information received from a server (not shown) or information input by the user and accepted by the accepting unit 12.

  For example, the processing unit 13 calculates surface coverage information according to an arithmetic expression having, as a parameter, one or more attribute values excluding the surface coverage information among the two or more attribute values described above. The calculation formula is, for example, “annual rent indicated by regular period rent information × (1−vacancy rate information) / contract price information”.

  In addition, the processing unit 13 may acquire, from the correspondence table, for example, surface interest information that is paired with a vector closest to a vector configured using two or more attribute values included in the property information. In such a case, the correspondence table is a table having two or more pieces of correspondence information that are a pair of a vector configured using two or more attribute values and surface interest information.

  In addition, the processing unit 13 learns, for example, a vector configured by using two or more attribute values of property information and surface interest information by a machine learning algorithm, configures a learning device, and Apply a vector configured using two or more attribute values of property information of the property with the algorithm of machine learning, and acquire surface benefit times information.

  The return probability information specifies the probability of earning. The return probability information is, for example, information indicating the probability of earning when sold and information indicating the rank of the probability of earning when sold. The recovery probability information is, for example, information received from a server (not shown) or information input by the user and received by the receiving unit 12. The return probability information is, for example, a price acquired by the processing unit 13 using one or more attribute values.

  The processing unit 13 calculates the recovery probability information, for example, according to an arithmetic expression having, as a parameter, one or more attribute values excluding the recovery probability information among the above-described two or more attribute values.

  The processing unit 13 may also acquire, from the correspondence table, for example, probability probability information that is paired with a vector closest to a vector configured using two or more attribute values of property information. In such a case, the correspondence table is a table having two or more pieces of correspondence information that are a pair of a vector configured using two or more attribute values and recovery probability information.

  Further, the processing unit 13 learns, for example, a vector configured using two or more attribute values possessed by property information and recovery probability information using a machine learning algorithm, and configures a learning device. A vector constructed using two or more attribute values possessed by the property information of the property is applied by a machine learning algorithm to acquire return probability information.

  The price reduction rate information is information for specifying a price reduction rate. The discount rate information is, for example, information indicating a rate of decline in a unit period (for example, 1 year, 5 years, etc.), and information specifying the rank of the rate of decline in a unit period. Value reduction rate information is, for example, information received from a server (not shown) or information input by the user and received by the receiving unit 12. The return probability information is, for example, a price acquired by the processing unit 13 using one or more attribute values. The processing unit 13 acquires, for example, the price reduction rate using the recovery probability information.

  For example, the processing unit 13 calculates the value reduction rate information according to an arithmetic expression having, as a parameter, one or more attribute values excluding value decrease rate information among the two or more attribute values described above.

  The processing unit 13 may also acquire, from the correspondence table, value reduction rate information that is paired with a vector closest to a vector configured using, for example, two or more attribute values included in the property information. In such a case, the correspondence table is a table having two or more pieces of correspondence information which are a pair of a vector configured using two or more attribute values and value reduction rate information. Further, the processing unit 13 refers to a table having, for example, two or more records indicating the correspondence between the recovery probability information and the price reduction rate, and acquires the price reduction rate to be paired with the recovery probability information from the table.

  In addition, the processing unit 13 learns, for example, a vector configured using two or more attribute values included in property information and downscaling factor information using a machine learning algorithm, configures a learning device, and Apply a vector configured using two or more attribute values of property information of the property in accordance with an algorithm of machine learning to acquire value reduction rate information.

  The age information is information that identifies the age. The age information is, for example, information indicating age, rank of age (for example, 1 year to 3 years, 1 year to 5 years, 10 years or more). The age information is, for example, information received from a server (not shown) or information input by the user and accepted by the accepting unit 12. The processing unit 13 acquires the information on the construction year possessed by the property information, acquires information (for example, year, year and month) specifying the present from a clock not shown, and the age of the difference between the two information Get age information that is.

  The property used price increase rate information is information for specifying the rate of increase in price of used real estate from the time of new construction. For example, the secondhand property rate information of the property is information specifying the rank of the secondhand price increase rate itself, the secondhand price increase rate. The second-hand property price increase rate information is, for example, information received from a server (not shown) or information input by the user and accepted by the accepting unit 12.

  The processing unit 13 may calculate the used price increase rate using, for example, a predetermined arithmetic expression. For example, “pre-owned property price increase rate = (used contract price−price at the time of new construction by condominium units newly sold) / used contract price” is a predetermined computing equation.

  The post-correction property used price increase rate information is information that specifies the rate of increase in value of the used house from the time of new construction corrected with the year of sale. The post-correction article second hand price increase rate information is, for example, information that specifies the rate increase rate itself, and the rank of the rate increase rate. The post-correction article pre-owned value upper rate information is, for example, information received from a server (not shown) or information input by the user and accepted by the accepting unit 12. In addition, the processing unit 13 calculates, for example, the average value of the secondhand property rate information of two or more properties for each year of sale of the property, and the average value of secondhand property rate information of the standard year of sale, Calculate the difference from the average value of the property used price increase rate information of the sale year of the property, and use the difference to correct the used price increase rate information of a specific property (for example, add the difference, or The difference is multiplied by a coefficient to be added, etc.) and the post-correction property used rate increase information of the property is calculated. In addition, it is preferable that the average value of the property used price increase rate information be calculated using only the property used price increase rate information of the property in a specific area (for example, the metropolitan area, the Kinki area).

  In addition, the processing unit 13 may acquire, for example, an arithmetic expression “property post-correction value increase rate / year of year after correction”, and acquire an attribute value using the acquired information. Such an attribute value is, for example, “corrected property second-hand value increase rate / old age-2%”.

  The post-correction station used price increase rate information is information for specifying a used price increase rate from the time of new construction corrected for the year of sale of the property of the same nearest station as the nearest station of the property. The post-correction station old value upper rate information is, for example, information for specifying the post-correction station used price upper rate itself, and the rank of the post-correction station used price upper rate. The post-correction station used value upper rate information is, for example, information received from a server (not shown) or information input by the user and accepted by the accepting unit 12. In addition, the processing unit 13 calculates, for example, the average value of the second-hand property rate increase information of two or more properties in the property at the same station as the property, for each property sale year Calculate the difference between the average value of second-hand price increase rate information and the average value of second-hand property rate information of the property for sale year, and use the difference to correct the second-hand price increase information of a specific property. (Eg, add the difference, or multiply the difference by a factor and add), and calculate the post-correction property used rate increase information of the property.

  In addition, the processing unit 13 may acquire, for example, “corrected station second-hand value increase rate / age years”, and may acquire an attribute value using the acquired information. Such an attribute value is, for example, "corrected station used price increase rate / age 2%".

  The revised administrative district used price increase rate information is information for specifying the rate of increase in value of used properties from the time of new construction corrected in the year of sale of a property in the administrative district. Administrative districts are, for example, cities, towns, villages, and wards. The post-correction administrative district used price increase rate information is, for example, information specifying the rank of the post-correction administrative district used price increase rate itself, the post-correction administrative district used price increase rate. The post-correction administrative district used value upper rate information is, for example, information received from a server (not shown) or information input by the user and accepted by the accepting unit 12. Further, the post-correction administrative district used price increase rate information may be referred to as post-correction municipal used price increase rate information.

  In addition, the processing unit 13 calculates, for example, the average value of the second-hand property rate increase information of two or more properties in the administrative district where the property exists, for each year of property sales, and the second-hand property value of the standard sales year Calculate the difference between the average value of the upper rate information and the average value of the property used price increase rate information for the year of sale in the property, and use the difference to correct the used price increase rate information of a specific property ( For example, the difference is added, or the difference is multiplied by a coefficient and then added, etc.) to calculate the post-correction property used rate increase information of the property.

  In addition, the processing unit 13 may acquire, for example, “corrected administrative district second-hand value increase rate / age years”, and acquire an attribute value using the acquired information. Such an attribute value is, for example, "corrected administrative district second-hand value increase rate / age-2%".

  The post-correction property second-hand price increase rate information is information that specifies the year-to-year ratio of the information indicated by the post-correction property second-hand price increase information. For example, the post-correction property second-hand price increase rate information after correction is information specifying the rank of the previous year comparison itself and the comparison with the previous year. The post-correction property second hand rate increase information is, for example, information specifying the rank of the post-correction property second hand rate increase rate itself, the post-correction property second hand rate increase rate last year. The post-correction property second-hand value increase rate information is, for example, information received from a server (not shown) or information input by the user and received by the reception unit 12.

  In addition, the processing unit 13 calculates, for example, the average value of the second-hand property rate of 2 or more properties in the administrative district in which the property exists, for each year of property sales, and the property of the year of standard sales. Calculate the difference between the average used price increase rate and the average value of the used property increase rate compared to the previous year of the property sale year, and use the difference to calculate the used property price of the specified property We correct rate ratio last year ratio (for example, we add difference or we multiply difference and multiply coefficient and add) and calculate article secondhand property rate increase ratio of the article concerned last year.

  The post-correction station used price increase rate last year ratio information is information for specifying the year-to-year ratio of the information indicated by the post-correction property station used price increase rate information. For example, the post-correction station used price increase rate information is information that specifies the rank of the previous year ratio itself and the previous year ratio. The post-correction station used price increase rate information may be, for example, a representative value (for example, an average value, a median value, etc.) of the year-on-year comparison of a plurality of properties of the same nearest station. The post-correction station used price increase rate last year ratio information is, for example, information received from a server (not shown) or information input by the user and received by the reception unit 12

  In addition, the processing unit 13 calculates, for example, the ratio between the post-correction property station used price increase rate information of this year and the post-correction property station used price increase rate information of the previous year, and acquires the post-correction property station used price increase rate information Do.

  The post-correction administrative district used price increase rate last year ratio information is information for identifying the previous year ratio of the information indicated by the post-correction administrative district used price increase rate information. For example, the post-correction administrative district used price increase ratio last year ratio information is information specifying the rank of the said last year ratio itself, the said last year ratio. The post-correction administrative district used price increase rate previous year ratio information may be, for example, a representative value (for example, average value, median value, etc.) of the previous year ratio of a plurality of properties of the same administrative district. The post-correction administrative district used value increase rate information is, for example, information received from a server (not shown) or information input by the user and received by the receiving unit 12.

  In addition, the processing unit 13 calculates, for example, the ratio between the corrected administrative district second-hand uprate information of this year and the corrected administrative district second-hand upside rate information of the previous year, and acquires the post-correction property administrative district second-hand uprate information.

  The future conversion unrealized gain information is information specifying unrealized gains after a specific period in the future (for example, ten years). The future conversion unrealized gain information may be considered as information specifying the amount to be cashed at the time of sale. The future conversion unrealized profit information may be the amount of unrealized profit, the ratio of the unrealized profit to the purchase price, or the information specifying the rank of the unrealized profit. The future conversion inclusive profit information is, for example, information received from a server (not shown) or information input by the user and accepted by the accepting unit 12.

  In addition, the processing unit 13 calculates, for example, future conversion information and profit on the basis of a predetermined arithmetic expression. The arithmetic expression determined in advance is, for example, an increase function using corrected post-price increase rate information (for example, post-correct property increase rate) as a parameter, age information (for example, age), or loan decrease It is a decreasing function that uses one or more of the information (rate of decrease of principal amount of loan) as a parameter. The arithmetic expression determined in advance is, for example, “(corrected property second-hand price increase rate information / ageing age−2%%) − loan decrease information) * 10”.

  In addition, the processing unit 13 may acquire, from the correspondence table, for example, future-conversion included profit information that is paired with a vector closest to a vector configured using two or more attribute values included in the property information. In such a case, the correspondence table is a table having two or more pieces of correspondence information that are a pair of a vector configured using two or more attribute values and future conversion profit and loss information.

  In addition, the processing unit 13 learns, for example, a vector constituted by using two or more attribute values possessed by property information and future conversion inclusive profit information by an algorithm of machine learning, and constitutes a learning device. Apply a vector configured using two or more attribute values of the property information of the property with a machine learning algorithm, and obtain future conversion unrealized profit information.

  The housing unit comparison discount information is information on the relative discounting feeling of a specific housing unit in the same collective housing. The housing unit comparison discount information is, for example, the relative cost reduction of a specific housing unit in the same collective housing. In such a case, the housing unit comparison discount information may be referred to as a housing unit comparison discount. The housing unit relative cost is, for example, a coefficient based on the reference floor (for example, the third floor) (for example, 100%), and is a coefficient that fluctuates depending on the floor number. Note that this coefficient is usually positive for the upper floors above the base floor relative to the base, and lower for the lower floor above the base floor relative to the base. In addition, the relative price of the dwelling unit is, for example, the orientation of the dwelling unit (east / north / north or combination), the price range, whether or not it is a corner room, whether it is the top floor or not, or whether it is one below the top floor It is preferable to change by. And the coefficient is usually more positive than the corner room. Also, the coefficients are usually more positive on the top floor than others. Further, the housing unit comparison discounted feeling information may be, for example, a discounted amount of money compared with the other specific housing units in the same collective housing.

  The housing unit comparison discount information is, for example, information received from a server (not shown) or information input by the user and received by the receiving unit 12. In the situation where the information of the standard floor (for example, the third floor), the information of the fluctuating factor of each floor with respect to the fiducial floor, and the information of the factor fluctuating by each attribute value such as the direction of the dwelling unit are stored in the storage unit 11 The processing unit 13 acquires, for example, one or more attribute values of a target property, and information on variation of a coefficient to be paired with the one or more attribute values (for example, adding percentage (%) or subtraction) The ratio (%) is acquired, and using the information on the fluctuation of the one or more coefficients, the dwell unit comparison cost is calculated.

  Further, the processing unit 13 calculates the dwelling unit comparison discounted information by, for example, an arithmetic expression having one or more attribute values excluding the dwelling unit comparison discounted information as a parameter among the two or more attribute values described above.

  The processing unit 13 may also acquire, from the correspondence table, for example, housing unit comparison discounted feeling information that is paired with a vector closest to a vector configured using two or more attribute values of property information. In such a case, the correspondence table is a table having two or more pieces of correspondence information as a pair of a vector configured using two or more attribute values and dwell unit comparison discounted feeling information.

  Further, the processing unit 13 learns, for example, a vector configured using two or more attribute values possessed by property information and dwell unit comparison discounted feeling information by a machine learning algorithm, and configures a learning device, and such a learning device Then, a vector constructed using two or more attribute values possessed by the property information of the property is applied by the algorithm of machine learning, and the dwell unit comparison cheap feeling information is acquired.

  Property price last year relative information is information that specifies the year-to-year price of real estate property. The property price last year relative information is, for example, information that specifies the rank compared with the previous year itself and the last year relative. The property price previous year ratio information is, for example, information received from a server (not shown) or information input by the user and received by the receiving unit 12. The property price last year relative information is, for example, a value calculated by the processing unit 13 using the price of the real estate property of the previous year and the price of the real estate property of this year.

  Station last year relative information is information that specifies the year-to-year ratio of prices for properties in the vicinity of the nearest station of the real estate property. Station last year relative information is information which specifies the rank of the said last fiscal year itself and the said last fiscal year, for example. The station previous year ratio information is, for example, information received from a server (not shown) or information input by the user and received by the receiving unit 12.

  The processing unit 13 acquires, for example, the average value of the prices of last year and the average value of the prices for this fiscal year of one or more properties of the same nearest station as the property, and the ratio of the average values of the two prices Calculate the station previous year ratio information.

  Administrative district last year relative information is information which shows the year-on-year comparison of the price about the article of the administrative district where a real estate article exists. The administrative district previous year ratio information is, for example, information received from a server (not shown) or information input by the user and accepted by the accepting unit 12.

  The processing unit 13 obtains, for example, an average value of last year prices of one or more properties in the same administrative district as the property and an average value of prices this year, and calculates a ratio of the average value of the two prices And get information on the station last year.

  The average decline rate information is information for specifying the average decline rate of the price in a unit period of the property price. The average decline rate information is, for example, information for identifying the average decline rate itself and the rank of the average decline rate. The average decline rate information is, for example, information received from a server (not shown) or information input by the user and accepted by the accepting unit 12.

  The processing unit 13 acquires, for example, the price before the specified period of each target two or more properties and the current price, calculates the rate of decline using the two prices, and calculates the average value of the rates of decline Calculate In addition, although the range of two or more object which becomes object is, for example, in the same apartment, the range may be arbitrary.

  The station average decrease rate information is information for specifying the average decrease rate of the unit period of the nearest station of the real estate property. The station average decline rate information is, for example, information identifying the rank of the station average decline rate itself and the station average decline rate. The station average decline rate information is, for example, information received from a server (not shown) or information input by the user and accepted by the accepting unit 12.

  The processing unit 13 acquires, for example, the price before the specific period and the current price of two or more properties of the same nearest station as the property and calculates the rate of decline using the two prices, Calculate the average value of the rate of decline.

  The administrative district average decline rate information is information for specifying the average decline rate of the unit period of the administrative district where the real estate property exists. The administrative district average decline rate information is, for example, information specifying the rank of the administrative district average decline rate itself and the administrative district average decline rate. The administrative district average decline rate information is, for example, information received from a server (not shown) or information input by the user and accepted by the accepting unit 12.

  The processing unit 13 acquires, for example, the price before the specific period and the current price of two or more properties in the same administrative district as the property, and calculates the rate of decline using the two prices, and the rate of decline Calculate the average value of rates.

  Loan decrease information is information on the decrease in principal of the real estate property loan. The loan reduction information is, for example, information specifying a rank of a loan reduction amount, a loan reduction ratio, a loan reduction amount or a loan reduction ratio. The loan reduction information is, for example, information received from a server (not shown) or information input by the user and accepted by the accepting unit 12.

  The processing unit 13 acquires, for example, the loaned amount and the remaining amount of the loan, and calculates the reduction amount of the loan or the reduction ratio of the loan based on the two amounts.

The map information storage unit 112 stores one or more pieces of map information. Map information is information of a map. There is no limitation on the type of map information. The map information further includes, for example, map symbol information which is an image of a map. The map symbol information is, for example, bitmap data (raster data) or vector data constituting the map, or a combination thereof. The file format of map symbol information may be GIF format, JPEG format, PNG format, or the like. The format of the map information does not matter. The map information may be, for example, an ISO kiwi map data format. The map information may have a place name described on the map or a character string such as a name of a building, a scenic spot or a place.
The map information is, for example, position information indicating absolute position such as coordinate information having longitude and latitude of the area displayed by the map information, and positional relation between areas indicated by each map among the map information It has or is associated with position information indicating a relative position that can be understood. For example, the range or center point of the map displayed by the map information may have information defining the range of latitude and longitude. By using such position information, it is possible to appropriately convert the coordinates on the map and the coordinates (for example, latitude and longitude) in the real space. Further, the map information may have position information capable of specifying a position such as an address in the map indicated by the map information. Moreover, map information may have map symbol information for every reduced scale, and map information may be prepared for every reduced scale. Map information is usually managed in association with the map scale. Specifically, the map information may have information of the value of the scale of the map output by the map information, or the map information may be stored in the 101 in association with the scale of the map. . The scale of the map here may be considered as information indicating the value of the scale of the map.

  The drawing information storage unit 113 stores one or more pieces of drawing information. There is no limitation on the type and data structure of the drawing information. The drawing information is information of a drawing of a collective housing including a real estate property. The drawing information is, for example, information that indicates the arrangement of rooms in the entire apartment. The drawing information includes, for example, two or more room information of the apartment, and information of a drawing of the apartment. Room information is information on an apartment room. The room information has, for example, an ID, and arrangement information for specifying a relative position in the drawing of the mansion. Moreover, the information of the drawing of an apartment may not be the whole apartment, for example, may be information of a part of drawings of a condominium such as a specific floor or a specific ridge.

  The receiving unit 12 receives various instructions, information, and the like. Here, reception is usually reception from the terminal device 2. For example, reception of information input from an input device such as a keyboard, a mouse, or a touch panel, or from a recording medium such as an optical disk, a magnetic disk, or a semiconductor memory It may be regarded as a concept including reception of read information and the like.

  The various instructions and information are, for example, an output instruction and property information. The output instruction is an instruction to output the processing result. The output instruction has, for example, a property identifier that specifies a property. The output instruction may include, for example, an identifier of a region specifying a plurality of properties, an identifier of an apartment, and the like. When the output instruction has an identifier of a region, one or more properties existing in the area are selected, and a process to be described later is performed on the property information of each property. When the output instruction has an identifier of an apartment, one or more properties existing in the apartment are selected, and a process to be described later is performed on the property information of each property.

  Further, the processing result is, for example, loan information on a mortgage, and diagram information which is information on a diagram on a property. The loan information is, for example, one or more of LTV information specifying LTV, interest rate information specifying a loan interest rate, and loan fee information specifying a loan fee for a loan. The figure information is, for example, one or more of a score expression map information which is information of a map which a score of a property has appeared, a score expression drawing information which is information of a building drawing which a score of a property has appeared .

  The processing unit 13 performs various processes. The various types of processing are, for example, processing performed by the score acquisition unit 131 and the processing result acquisition unit 132.

  The score acquisition unit 131 acquires a score for real estate using two or more attribute values. The score acquiring unit 131 acquires, for example, two or more attribute values paired with the property identifier included in the received output instruction from the property information storage unit 111, and using the two or more attribute values, the property identifier Get the score of the identified property.

  The score acquisition unit 131 acquires a score using, for example, different attribute values according to the type information of the property information. The score acquisition unit 131, for example, acquires the score by a different algorithm depending on the type information of the property information. When the type information is “pre-owned”, the score acquisition unit 131 acquires a score using, for example, future conversion unrealized profit information and bargain price information. When the type information is “new construction”, the score acquiring unit 131 acquires a score using, for example, future conversion unrealized profit information, discounted feeling information, and dwelling unit compared discounted information.

  The score acquisition unit 131 substitutes, for example, two or more attribute values into a predetermined arithmetic expression to acquire a score. The score acquisition unit 131 uses, for example, a reference score that is a reference and two or more reference attribute values that are two or more reference attribute values to be paired with the reference score, to obtain each of the two or more acquired attribute values And the difference between each of the two or more reference attribute values, and using the difference, the reference score is varied to calculate the score of the property. The score acquiring unit 131 acquires, for example, a change score that is paired with each of two or more attribute values, and changes the reference score using the acquired two or more change scores to calculate the score of the property. In addition, the score acquisition part 131 should just acquire a score using two or more attribute values, and the acquisition algorithm of a score does not matter. The score is, for example, an integer between 0 and 100, a natural number between 1 and 10, and a symbol with an order of A to E, and the like. The score usually does not include the amount.

  The score acquisition unit 131, for example, sells sale price information, contract price information, assessment price information, discounted feeling information, fixed term rent information, surging information, return probability information, property used price rate information, corrected property used value Higher rate information, Station used price increase rate information after correction, Revised administrative district secondhand price rate information, Corrected property Second-hand price increase rate last year ratio information, corrected station second-hand price increase rate last year ratio information, corrected administrative district second-hand Price increase rate last year information, future conversion unrealized profit information, dwelling unit comparison discount feeling information, article price last year ratio information, station last year ratio information, administrative district last year ratio information, any one or more of loan decrease information The higher the attribute value, the higher the score.

  The score acquisition unit 131, for example, sells sale price information, contract price information, assessment price information, discounted feeling information, fixed term rent information, surging information, return probability information, property used price rate information, corrected property used value Higher rate information, Station used price increase rate information after correction, Revised administrative district secondhand price rate information, Corrected property Second-hand price increase rate last year ratio information, corrected station second-hand price increase rate last year ratio information, corrected administrative district second-hand Price increase rate last year information, future conversion unrealized profit information, dwelling unit comparison discount feeling information, article price last year ratio information, station last year ratio information, administrative district last year ratio information, any one or more of loan decrease information The score is calculated by the increase function using the attribute value as a parameter.

  For example, the score acquiring unit 131 is an attribute value of one or more of vacancy rate information, discount rate information, age information, average decline rate information, station average decline rate information, and administrative district average decline rate information. The lower the value is, the higher the score is obtained.

  For example, the score acquiring unit 131 is an attribute value of one or more of vacancy rate information, discount rate information, age information, average decline rate information, station average decline rate information, and administrative district average decline rate information. The score is calculated by the decreasing function with the parameter.

  The score acquiring unit 131 acquires a higher score as the two attribute values are larger, using, for example, future conversion included profit information and bargain price information.

  The score acquiring unit 131 may, for example, calculate the calculation formula “LTV fluctuation rate = α × future converted profit information + β × expensive feeling information” (where α and β are the reflection rates of the future converted unrealized profit information and the discounted feeling information, for example) The LTV fluctuation rate is calculated by “α = 0.5”, “β = 0.7”, and a score paired with the LTV fluctuation rate is acquired from the storage unit 11. In such a case, the storage unit 11 stores a table having two or more records of pairs of information on the width of the LTV fluctuation rate and information on the score. In addition, the score acquisition unit 131 determines, for example, whether the type of property information of the property for which the score is to be obtained has is “pre-owned” or “new construction”, and the score acquisition unit 131 is For example, the LTV fluctuation rate is calculated according to the above-mentioned arithmetic expression “LTV fluctuation rate = α × future converted profit information + β × expensive feeling information”, and a score paired with the LTV fluctuation rate is acquired from the storage unit 11. The LTV fluctuation rate is a value (for example, a ratio, a rate) to be fluctuated with respect to a reference LTV. Here, the LTV variation rate is an intermediate score before obtaining a score, and may be referred to as an intermediate score.

  For example, the score acquiring unit 131 may calculate the following equation: “LTV fluctuation rate = α × future converted profit information + β × depressed feeling information + γ × dwelling unit comparison discounted feeling information” (α, β, and γ are respectively future converted contained profit information and discounted The degree of reflection of feeling information and dwelling unit comparison discount feeling information, for example, LTV fluctuation rate is calculated by “α = 0.5”, “β = 0.7”, “γ = 0.2”), and A score paired with the LTV fluctuation rate is acquired from the storage unit 11. The score acquisition unit 131 determines, for example, whether the property information of the property for which the score is to be acquired has “used” or “new construction”, and if “new construction”, the score acquisition unit 131 For example, the LTV fluctuation rate is calculated according to the above equation “LTV fluctuation rate = α × future converted profit information + β × depression feeling information + γ × dwelling unit comparison discountedness information”, and the score paired with the LTV fluctuation rate is stored. Acquired from Part 11.

  In addition, the score acquisition unit 131 may acquire, for example, a score that is paired with a vector closest to a vector configured using two or more attribute values included in property information, from the correspondence table. In such a case, the correspondence table is a table having two or more pieces of correspondence information that are a pair of a vector configured using two or more attribute values and a score.

  In addition, the score acquisition unit 131 learns, for example, a vector configured using two or more attribute values of property information and a score by a machine learning algorithm, configures a learning device, and the learning device A vector constructed using two or more attribute values possessed by the property information of a property is applied by a machine learning algorithm to obtain a score.

The processing result acquisition unit 132 performs processing using the score acquired by the score acquisition unit 131, and acquires a processing result. Hereinafter, processing according to the type of processing result will be described.
(A) When the processing result is loan information (A-1) When the processing result is LTV information

  The processing result acquisition unit 132 acquires LTV information that becomes a larger value as the score acquired by the score acquisition unit 131 is higher. LTV information is information that identifies an LTV. LTV information is usually LTV itself, but may be information indicating the rank of LTV.

For example, the processing result acquisition unit 132 substitutes the score into an arithmetic expression of the increase function using the score as a parameter, executes the arithmetic expression, and acquires LTV information. The processing result acquisition unit 132 reads out, for example, LTV information to be paired with the score from the table. In such a case, the storage unit 11 stores a table having two or more records, which are information of a pair of score range information (a single score may be used) and LTV information. Note that there are various algorithms for obtaining LTV information using a score, and there is no limitation.
(A-2) When the processing result is interest rate information

  The processing result acquisition unit 132 acquires interest rate information that becomes smaller as the score is higher. Interest rate information is information that specifies an interest rate. The interest rate information is usually the interest rate itself, but may be information indicating the rank of the interest rate.

The processing result acquisition unit 132 substitutes the score into, for example, an arithmetic expression of a decrease function having the score as a parameter, executes the arithmetic expression, and acquires interest rate information. The processing result acquisition unit 132 reads out, for example, interest rate information to be paired with the score from the table. In such a case, the storage unit 11 stores a table having two or more records, which are information of a pair of information on the range of the score (a single score may be) and the interest rate information. Note that there are various algorithms for obtaining interest rate information using a score, and it does not matter.
(A-3) When the processing result is loan fee information

  The processing result acquisition unit 132 acquires loan fee information that becomes smaller as the score is higher. The loan fee information is information for specifying a loan fee. The loan fee information is usually the loan fee itself, but may be information indicating the rank of the loan fee.

For example, the processing result acquisition unit 132 substitutes the score into an arithmetic expression of a decrease function having the score as a parameter, executes the arithmetic expression, and acquires loan fee information. For example, the processing result acquisition unit 132 reads out, from the table, loan fee information to be paired with the score. In such a case, the storage unit 11 stores a table having two or more records, which are information of a pair of information on the range of the score (one score may be sufficient) and the loan fee information. In addition, there are various algorithms for acquiring the loan fee information using the score, and it does not matter.
(B) When the processing result is graphic information (B-1) When the processing result is score expression map information

  The processing result acquisition unit 132 uses the map information of the map information storage unit 112 so that the score can be visually recognized in association with the position on the map indicated by the position information of the object information of the target property. Construct score expression map information.

  More specifically, for example, the processing result acquisition unit 132 acquires position information included in property information corresponding to the score, and the score corresponds to a point corresponding to a map point indicated by map information specified by the position information. Configure score expression map information to clearly indicate.

In addition, score appearance map information should just be information which shows the map on which the point on the map which map information shows, and a score match, and the information of the map by which the score was displayed on the map may be sufficient, By the indication of the link pasted to the point on the map, it may be the information of the map on which the score is displayed, or the score is displayed ahead of the line drawn to the point on the map. It may be map information etc.
(B-2) When the processing result is score expression drawing information

  The processing result acquisition unit 132 associates the drawing information of the drawing information storage unit 113 so that the score can be visually recognized in association with the position on the drawing of the collective housing indicated by the arrangement information of the object information of the target property. Use to construct score presentation drawing information.

  More specifically, for example, the processing result acquisition unit 132 acquires arrangement information of property information corresponding to a score, and corresponds to an area in a drawing indicated by the drawing information specified by the arrangement information. Construct score presentation drawing information that specifies the score.

The score presentation drawing information may be, for example, information indicating a drawing in which the area on the drawing of the housing complex indicated by the drawing information corresponds to the score, and the score is displayed on the area of the housing complex It may be information of a multi-family house drawing, or information of a drawing on which a score is displayed by an instruction of a link pasted to the area on the drawing, or drawn to the area on the drawing It may be information of a drawing in which a score is displayed at the end of the line.
(C) When the processing result is a score

  The processing result acquisition unit 132 sets the score acquired by the score acquisition unit 131 as a data structure to be output. In such a case, the processing result is a score that has become an output data structure.

  The output unit 14 outputs various types of information. Here, the output is usually transmission to the terminal device 2, but display on a display, projection using a projector, printing with a printer, sound output, storage in a recording medium, other processing devices and others It may be a concept including delivery of the processing result to a program of

  The processing result output unit 141 outputs the processing result acquired by the processing result acquiring unit 132. The processing result output unit 141 outputs, for example, LTV information. The processing result output unit 141 outputs, for example, interest rate information. The processing result output unit 141 outputs, for example, loan fee information. The processing result output unit 141 outputs, for example, score expression map information. The processing result output unit 141 outputs, for example, score expression drawing information.

  The terminal storage unit 21 constituting the terminal device 2 stores various types of information. The various types of information are, for example, a property identifier and a user identifier. The user identifier is information for identifying a user. The user identifier is, for example, a user ID, an e-mail address, a telephone number, an IP address or the like. The user identifier may be an identifier of the terminal device 2 used by the user.

  The terminal accepting unit 22 accepts various instructions and information. The various instructions and information are, for example, an output instruction, a map information output instruction, a drawing information output instruction, and an end instruction. The map information output instruction is an instruction to output score expression map information. The drawing information output instruction is an instruction to output score presentation drawing information. The end instruction is an instruction to end the process.

  The means for inputting various instructions and information may be anything such as a touch panel, a keyboard, a mouse, or a menu screen. The terminal reception unit 22 can be realized by a device driver of an input unit such as a touch panel or a keyboard, control software of a menu screen, or the like.

  The terminal processing unit 23 performs various processes. The various types of processing are, for example, processing configured as an instruction to transmit an instruction accepted by the terminal accepting unit 22. The various types of processing are, for example, processing for configuring the information received by the terminal receiving unit 25 into information to be output.

  When the terminal reception unit 22 receives the map information output instruction, the terminal processing unit 23 displays, for example, score expression map information in which the score of the property identified by the property identifier corresponding to the output loan information is exposed. get.

  In addition, the terminal processing unit 23 may acquire the score expression map information that has been received, or constitutes a map information output instruction including a property identifier corresponding to the loan information, and the map information output instruction corresponds to the property information. It may be acquired by transmitting to the processing device 1 and receiving score expression map information of the property from the property information processing device 1. That is, the terminal processing unit 23 may obtain the score expression map information in response to the reception of the map information output instruction.

  In addition, when the terminal accepting unit 22 accepts a drawing information output instruction, the terminal processing unit 23 displays, for example, a score expression drawing in which the score of the property identified by the property identifier corresponding to the output loan information is displayed. Get information.

  The terminal processing unit 23 may acquire the received score presentation drawing information, or may configure a drawing information output instruction including a property identifier corresponding to the loan information, and the drawing information output instruction may be a property information. It may be acquired by transmitting to the processing device 1 and receiving score expression drawing information of the property from the property information processing device 1. That is, the terminal processing unit 23 may obtain the score presentation drawing information in response to the reception of the drawing information output instruction.

  The terminal transmission unit 24 transmits various instructions and information. The terminal transmission unit 24 transmits, for example, the instruction configured by the terminal processing unit 23. The terminal transmission unit 24 transmits, for example, an output instruction to the property information processing apparatus 1.

  The terminal reception unit 25 receives various types of information. The terminal reception unit 25 receives, for example, the processing result from the property information processing apparatus 1.

  The terminal output unit 26 outputs various types of information. The various types of information are, for example, information configured by the terminal processing unit 23. The terminal output unit 26 outputs, for example, one or more processing results. Here, the output includes display on a display, projection using a projector, printing on a printer, sound output, transmission to an external device, storage in a recording medium, and other processing devices and other programs. It is a concept that includes the delivery of processing results.

  Although the storage unit 11, the property information storage unit 111, the map information storage unit 112, the drawing information storage unit 113, and the terminal storage unit 21 are preferably non-volatile recording media, they can also be realized by volatile recording media. .

  There is no limitation on the process of storing information in the storage unit 11 or the like. For example, the information may be stored in the storage unit 11 or the like through the recording medium, or the information transmitted through the communication line may be stored in the storage unit 11 or the like. Alternatively, the information input via the input device may be stored in the storage unit 11 or the like.

  The processing unit 13, the score acquisition unit 131, the processing result acquisition unit 132, and the terminal processing unit 23 can be usually realized by an MPU, a memory, or the like. Typically, the processing procedure of the processing unit 13 or the like is realized by software, and the software is stored in a storage medium such as a ROM. However, it may be realized by hardware (a dedicated circuit).

  The output unit 14, the processing result output unit 141, and the terminal transmission unit 24 are realized by, for example, wireless or wired communication means, but may be realized by broadcasting means.

  The terminal reception unit 25 is usually realized by wireless or wired communication means, but may be realized by means for receiving a broadcast.

  The terminal output unit 26 may or may not include output devices such as a display and a speaker. The terminal output unit 26 may be realized by driver software of an output device, or driver software of an output device and an output device.

  Next, an operation example of the information processing system A will be described. First, the operation of the property information processing apparatus 1 will be described using the flowchart of FIG. 3.

  (Step S301) The receiving unit 12 determines whether an output instruction has been received. When the output instruction is received, the process goes to step S302, and when the output instruction is not received, the process returns to step S301.

  (Step S302) The score acquisition unit 131 substitutes 1 into the counter i.

  (Step S303) The score acquisition unit 131 determines whether the i-th property corresponding to the output instruction exists. If the i-th property exists, the process goes to step S304. If the i-th property does not exist, the process returns to step S301.

  (Step S304) The score acquisition unit 131 acquires property information of the ith property corresponding to the output instruction from the property information storage unit 111.

  (Step S305) The score acquiring unit 131 acquires, from the property information acquired in step S304, two or more attribute values used for calculating the score.

  (Step S306) The score acquisition unit 131 acquires a score using the two or more attribute values acquired in step S305. The score acquisition process will be described with reference to the flowchart of FIG.

  (Step S307) The processing result acquisition unit 132 acquires the processing result using the score acquired in step S306. The processing result acquisition processing will be described with reference to the flowchart of FIG. Also, here, it is preferable that the processing result acquisition unit 132 acquire two or more types of processing results.

  (Step S308) The processing result output unit 141 outputs the processing result acquired in step S307.

  (Step S309) The score acquisition unit 131 increments the counter i by one. It returns to step S303.

  Needless to say, when processing results of two or more properties are output in the flowchart of FIG. 3, the processing result output unit 141 may collectively output processing results of two or more properties.

  Further, in the flowchart of FIG. 3, the processing is ended by the interruption of the power off or the processing end.

  Next, the score acquisition process of step S306 will be described using the flowchart of FIG.

  (Step S401) The score acquisition unit 131 acquires type information from the acquired two or more attribute values.

  (Step S402) The score acquisition unit 131 determines whether the type information acquired in step S401 is "used" or "new construction". In the case of "used", the process goes to step S403, and in the case of "new construction", the process goes to step S406.

  (Step S403) When the type information is “used”, the score acquiring unit 131 acquires two or more attribute values used to acquire a score from the acquired two or more attribute values.

  (Step S404) The score acquisition unit 131 acquires an intermediate score, which is information in front of score calculation, using the two or more attribute values acquired in step S403. The intermediate score is, for example, the LTV fluctuation rate.

  (Step S405) The score acquisition unit 131 acquires a score using the intermediate score acquired in step S404. Return to upper level processing.

  The score acquisition unit 131 acquires, for example, the score corresponding to the intermediate score from the table. In such a case, for example, a table having two or more records, which is information on a pair of information on the width of the intermediate score and the score, is stored in the storage unit 11. Further, the score acquisition unit 131 substitutes the intermediate score into the arithmetic expression, for example, using the intermediate score as a parameter, performs the calculation, and calculates the score. In such a case, the arithmetic expression is usually an increasing function with an intermediate score as a parameter.

  (Step S406) When the type information is “new construction”, the score acquisition unit 131 acquires two or more attribute values used to acquire a score from the acquired two or more attribute values.

  (Step S407) The score acquisition unit 131 uses the two or more attribute values acquired in step S406 to acquire an intermediate score, which is information in front of score calculation. The intermediate score is, for example, the LTV fluctuation rate.

  (Step S408) The score acquisition unit 131 acquires a score using the intermediate score acquired in step S407. Return to upper level processing.

  The score acquisition unit 131 acquires, for example, the score corresponding to the intermediate score from the table. In such a case, for example, a table having two or more records, which is information on a pair of information on the width of the intermediate score and the score, is stored in the storage unit 11. Further, the score acquisition unit 131 substitutes the intermediate score into the arithmetic expression, for example, using the intermediate score as a parameter, performs the calculation, and calculates the score. In such a case, the arithmetic expression is usually an increasing function with an intermediate score as a parameter.

  Next, the process result acquisition process of step S307 will be described using the flowchart of FIG.

  (Step S501) The processing result acquisition unit 132 acquires LTV information using the acquired score.

  (Step S502) The processing result acquisition unit 132 acquires interest rate information using the acquired score.

  (Step S503) The processing result acquisition unit 132 acquires loan fee information using the acquired score.

  (Step S504) The processing result acquisition unit 132 acquires position information from two or more attribute values of the property for which the processing result is to be acquired.

  (Step S505) The processing result acquisition unit 132 acquires, from the map information storage unit 112, map information including the position identified by the position information acquired in step S504.

  (Step S506) The processing result acquisition unit 132 performs processing corresponding to the score on a point in the map information acquired in step S505 and corresponding to the position information acquired in step S504. The processing corresponding to the score is, for example, adding the score, adding a pattern (for example, an icon) corresponding to the score, adding a graphic of a color corresponding to the score, or the like.

  (Step S507) The processing result acquisition unit 132 acquires type information from two or more attribute values of the property for which the processing result is to be acquired.

  (Step S508) The processing result acquisition unit 132 determines whether the type information acquired in step S507 is "multifamily home". If it is a "multi-family house", the process goes to step S509, and if it is not a "multi-family house", the process returns to the upper processing. In addition, judgment of whether it is "apartment house" may be judgment of whether it is "apartment".

  (Step S509) The processing result acquisition unit 132 acquires, from the drawing information storage unit 113, drawing information that is paired with the property identifier of the property for which the processing result is to be acquired.

  (Step S510) The processing result acquisition unit 132 acquires arrangement information.

  (Step S511) The processing result acquisition unit 132 determines the area in the drawing indicated by the drawing information, using the arrangement information.

  (Step S512) The processing result acquisition unit 132 is an area in the drawing information acquired in step S509, and performs processing corresponding to the score on the area determined in step S511. Return to upper level processing. In addition, processing corresponding to a score means, for example, adding a score to the area, adding a symbol (for example, an icon) corresponding to the score to the area, a color corresponding to the score as a background color of the area And so on.

  Next, an operation example of the terminal device 2 will be described using the flowchart of FIG.

  (Step S601) The terminal accepting unit 22 determines whether an output instruction has been accepted. If the output instruction is received, the process goes to step S602. If the output instruction is not received, the process returns to step S601.

  (Step S602) The terminal processing unit 23 constructs an output instruction. The output instruction includes property specifying information for specifying a property. The property specifying information is, for example, one or more property identifiers, information for specifying a region, etc., as long as the property can be specified.

  (Step S603) The terminal transmission unit 24 transmits the output instruction configured in step S602 to the property information processing apparatus 1.

  (Step S604) The terminal reception unit 25 determines whether the processing result has been received. If the process result is received, the process goes to step S605. If the process result is not received, the process returns to step S604.

  (Step S605) The terminal output unit 26 outputs the loan information included in the processing result received in step S604. The loan information is one or more of LTV information, interest rate information, and loan fee information.

  (Step S606) The terminal accepting unit 22 determines whether a map information output instruction has been accepted. When the map information output instruction is received, the process goes to step S607, and when the map information output instruction is not received, the process goes to step S608.

  (Step S607) The terminal output unit 26 outputs score expression map information.

  (Step S608) The terminal accepting unit 22 determines whether a drawing information output instruction has been accepted. When the drawing information output instruction is received, the process goes to step S609, and when the drawing information output instruction is not received, the process goes to step S610.

  (Step S609) The terminal output unit 26 outputs score presentation drawing information.

  (Step S610) The terminal accepting unit 22 determines whether an end instruction has been accepted. If the end instruction has been received, the process ends. If the end instruction is not received, the process returns to step S606.

  Hereinafter, specific operations of the information processing system A in the present embodiment will be described. A conceptual diagram of the information processing system A is FIG. In a specific example, a score is calculated using two or more attribute values of a property, and a case where LTV is acquired using the score will be described.

  Now, the property information storage unit 111 of the property information processing apparatus 1 stores a property information management table in which one or more pieces of property information are stored. An example of the property information is FIG. The property information is a set of attribute values for each attribute.

  In FIG. 7, examples of owner attribute values are "income tax + real income tax rate", "annual income information", and "owner attribute value". The "income tax + real tax rate of residence tax" is a substantial tax rate obtained by adding the income tax and the residence tax. The bargaining price information is the bargaining degree here. The regular term rent information is the annual rent here. The “incident property increase rate after correction / age 2%” is a value (%) obtained by dividing the increase rate after the correction by the age of the property. “The average value of (10) (12) (16) to (21)” is the attribute value of ID (10) (12) (16) (17) (18) (18) (19) (20) (21) It is an average value. The position information is (latitude, longitude) of the representative point of the place where the property exists. The arrangement information is relative position information (upper left coordinates, lower right coordinates) on the image of the drawing of the apartment house (here, an apartment). Also, in the property information management table, as the attribute value of the property identifier "B001", "floor number: 10 floors", "direction: northwest", "top floor: 1", "floor one lower than the top floor: 0" is managed It is assumed that

  The storage unit 11 also stores a reflection degree management table shown in FIG. The reflection degree management table is a table that manages information indicating the reflection degree of one or more attribute values when acquiring the LTV fluctuation rate. FIG. 8 (a) is, for example, a reflection degree management table used for a property of type information “pre-owned”, and FIG. 8 (b) is used for a property of type information “new construction”, for example Management table.

  The future conversion unrealized profit information in FIG. 8 is, for example, information on unrealized profit after 10 years of conversion. “Forward converted unrealized profit information” is calculated according to the arithmetic expression “future converted unrealized profit information = (information after correction of used second-hand value information / year of construction-2%%) − loan decrease information) * 10 stored in storage unit 11 It shall be calculated.

Moreover, a dwell unit comparison cheap feeling information in FIG.8 (b) is a dwell unit comparison cheap degree here. In addition, the storage unit 11 stores a fluctuation table (FIG. 9) indicating the fluctuation ratio (in this case,%) of the coefficient of each floor and a fluctuation table (FIG. 10) of the coefficient corresponding to the direction of the dwelling unit Do. Furthermore, here, it is assumed that the coefficient, which is the unit relative cost reduction, fluctuates based on the number of floors and the direction of the property. Further, FIG. 9, 10, _"x 01 _{~x 20", "y} 01 _{~y 20"} is a numerical value.

  In addition, the storage unit 11 stores a score management table shown in FIG. Here, the score management table is a correspondence table between the LTV fluctuation rate and the score.

Further, the storage unit 11 stores a process information management table shown in FIG. The processing information management table is a correspondence table between a score and one or more pieces of processing information. The processing information here is LTV, interest rate and loan fee. That is, the processing information management table is a table for determining the LTV, the interest rate and the loan fee based on the score. Further, in FIG. 12, _"a 1 ~a _{5", "b} 1 ~b _{6", "c} 1 to c _6" is a numerical value.

  In such a situation, it is assumed that the user has input an output instruction including the property identifier “B001” to the terminal device 2. Then, the terminal accepting unit 22 accepts an output instruction. Then, the terminal processing unit 23 configures an output instruction including the property identifier “B001”. Next, the terminal transmission unit 24 transmits the configured output instruction to the property information processing apparatus 1.

  Next, the reception unit 12 of the property information processing apparatus 1 receives an output instruction from the terminal device 2. Then, the score acquiring unit 131 acquires, from the property information management table (see FIG. 7), two or more attribute values paired with the property identifier “B001” included in the output instruction.

  Next, the score acquisition unit 131 acquires the score of the property of the property identifier “B001” as follows. That is, the score acquisition unit 131 acquires type information “used” from the acquired two or more attribute values. Then, the score acquisition unit 131 acquires the attribute “future conversion included profit information” and “expensive feeling information” of FIG. 8A corresponding to the type information “pre-owned”.

  And the score acquisition part 131 acquires the future conversion inclusion profit information paired with property identifier "B001" as follows. That is, the score acquiring unit 131 is a diagram of the corrected property used price increase rate information “2.0”, the age “5”, and the loan decrease information “−2.3”, which are paired with the property identifier “B001”. Obtain from 7 information. In addition, the score acquiring unit 131 reads out the calculation formula “future converted profit information = (property after-correction value increase rate information / old age−2%) − loan decrease information) * 10” from the storage unit 11, and the calculation formula The calculation is executed by substituting the acquired post-correction property secondhand rate information “2.0”, the age “5” and the loan reduction information “−2.3” into the Then, the score acquisition unit 131 obtains “future conversion unrealized profit information = 0.7”.

  Further, the score acquiring unit 131 acquires, from the information in FIG. 7, discounted feeling information “3.8” that is paired with the property identifier “B001”.

  Next, referring to FIG. 8 (a), the score acquiring unit 131 obtains an arithmetic expression of "future converted profit information * 0.5 + discounted feeling information * 0.7", and Information = 0.7 ”and“ expensive feeling information = 3.8 ”are substituted, the equation is executed, and the LTV fluctuation rate“ 3.01 ”is obtained.

  Next, the score acquisition unit 131 refers to the score management table of FIG. 9 and obtains a score “60” that is paired with the LTV fluctuation rate “3.01”.

Next, the processing result acquisition unit 132 acquires the processing result as follows, using the acquired score “60”. That is, the processing result acquisition unit 132 refers to the processing information management table of FIG. 12 and compares LTV “c ₄ %”, interest rate “a ₄ %” and loan fee “b ₄ yen” to be paired with score “60”. obtain.

  Next, the processing result acquisition unit 132 acquires position information (x1, y1) from two or more attribute values of the property for which the processing result is to be acquired. Then, the processing result acquisition unit 132 acquires map information including the position specified by the acquired position information from the map information storage unit 112. Then, the processing result acquisition unit 132 is a point in the acquired map information, and performs processing corresponding to the score on the point corresponding to the position information (x1, y1). Here, the processing corresponding to the score is, for example, adding the score.

  In addition, the processing result acquisition unit 132 acquires the housing type information “mansion” from two or more attribute values of the property for which the processing result is to be acquired. Then, since the processing result acquisition unit 132 is an “apartment” that is an example of “family home” in the housing type information, the processing result acquisition unit 132 makes a pair with the property identifier of the property for which the processing result is to be acquired. Are acquired from the drawing information storage unit 113. Next, the processing result acquisition unit 132 acquires the arrangement information “(α1, β1) (α2, β2)”. Then, the processing result acquisition unit 132 determines the area in the drawing indicated by the drawing information, using the arrangement information. Then, the processing result acquisition unit 132 is a region in the acquired drawing information, and performs processing corresponding to the score on the region specified by the arrangement information “(α1, β1) (α2, β2)”. . In addition, the process corresponding to a score is adding a score to the said area | region here, for example.

  The processing result acquisition unit 132 may have a data structure for transmitting a score. In such a case, it is preferable for the processing result acquisition unit 132 to set the score together with the processing result to a data structure to be transmitted.

Next, the process result output unit 141 transmits the acquired various process results (here, LTV “c ₄ %”, interest rate “a ₄ %”, loan fee “b ₄ yen”) to the terminal device 2 . Further, the processing result output unit 141 may transmit the score to the terminal device 2. Furthermore, the output unit 14 may also transmit one or more attribute values of the property to the terminal device 2.

  Next, the terminal reception unit 25 of the terminal device 2 receives various processing results. Then, the terminal output unit 26 outputs the received various processing results.

  An example of the output of the loan information is shown in FIG. Moreover, the example of an output of score expression map information is FIG. Furthermore, an output example of the score presentation drawing information is FIG. 13-15 is an example of the output of loan information, score expression map information, and score expression drawing information, and it goes without saying that the output mode does not matter.

  As described above, according to the present embodiment, it is possible to obtain a score in consideration of two or more attribute values of a real estate property, perform processing using the score, and output a processing result.

  In the present embodiment, the property information processing apparatus 1 may operate standalone. In such a case, the user operates the property information processing apparatus 1. Then, the receiving unit 12 receives an instruction, information, and the like from the user. Further, the output unit 14 displays information to be output or transmits the information to an external display device (not shown).

  Further, a program for realizing the property information processing apparatus 1 may be realized by, for example, spreadsheet software (for example, Excel (registered trademark)), and property information may be input and processed by the interface of the table. . That is, it goes without saying that the interface of the property information processing apparatus 1 does not matter.

  Furthermore, the processing in the present embodiment may be realized by software. Then, this software may be distributed by software download or the like. Also, the software may be distributed by being recorded on a recording medium such as a CD-ROM. This applies to the other embodiments in the present specification. The software for realizing the property information processing apparatus 1 in the present embodiment is the following program. That is, this program acquires a score for the real estate by using a computer capable of accessing a property information storage unit in which property information having two or more attribute values regarding the real property is stored, using the two or more attribute values. It is a program for functioning as a processing result acquisition part which performs processing using a score acquisition part, the above-mentioned score, and acquires a processing result, and a processing result output part which outputs the above-mentioned processing result.

  Second Embodiment

  In the present embodiment, the difference from the first embodiment is that loan information is acquired and output using two or more attribute values regarding a property without calculating a score. The loan information is, for example, the above-described LTV information, interest rate information, and loan fee information.

  The conceptual diagram of the information processing system B in the present embodiment is the same as FIG. 1 except for the reference numerals. FIG. 16 is a block diagram of an information processing system B in the present embodiment. The information processing system B includes the property information processing device 3 or one or more terminal devices 2.

  The property information processing apparatus 3 includes a storage unit 11, a reception unit 12, a processing unit 33, and an output unit 14. The processing unit 33 includes a processing result acquisition unit 332.

  The processing unit 33 performs various types of processing. The various types of processing are, for example, processing performed by the processing result acquisition unit 332.

  The processing result acquisition unit 332 acquires one or more pieces of loan information related to a mortgage by using two or more attribute values. Here, the one or more pieces of loan information are, for example, one or more pieces of information among LTV information, interest rate information, and loan fee information.

  The processing result acquisition unit 332 substitutes, for example, two or more attribute values into a predetermined arithmetic expression, and acquires loan information.

  In addition, the processing result acquisition unit 332 may acquire, for example, loan information that is paired with a vector closest to a vector configured using two or more attribute values of property information, from the correspondence table. In such a case, the correspondence table is a table having two or more pieces of correspondence information, which are pairs of vectors configured using two or more attribute values and loan information.

  In addition, the processing result acquisition unit 332 learns, for example, a vector configured using two or more attribute values of property information and loan information using a machine learning algorithm, configures a learning device, and Apply a vector configured using two or more attribute values of property information of the property with a machine learning algorithm to acquire loan information.

  The processing result acquisition unit 332 acquires two or more acquired using, for example, reference loan information that is loan information serving as a reference and reference attribute values that are two or more reference attribute values that are paired with the reference loan information. The difference between each attribute value and each of the two or more reference attribute values is acquired, and the reference loan information is changed using the difference to calculate the loan information of the property.

  The processing result acquisition unit 332 acquires, for example, variable loan information that is paired with two or more attribute values, and changes the reference loan information using the acquired two or more variable loan information to obtain a loan for the property. Calculate information. The processing result acquisition unit 332 may acquire the loan information using two or more attribute values, and the acquisition algorithm of the loan information does not matter.

  The processing result acquisition unit 332 may, for example, calculate the expression “LTV fluctuation rate = α × future conversion included profit information + β × dealence information” (where α and β are the reflection rates of the future conversion income and loss information, For example, the LTV fluctuation rate is calculated by “α = 0.5”, “β = 0.7”, and the LTV of the property is calculated using the reference LTV and the LTV fluctuation rate, which are the reference LTV. Do. The processing result acquisition unit 332 calculates, for example, the LTV of the property according to the arithmetic expression “reference LTV + LTV fluctuation rate”.

  Note that the processing result acquisition unit 332 determines, for example, whether the property information of the property for which LTV information is to be acquired has “used” or “new construction”, and in the case of “used”, the processing result acquisition unit 332 calculates the LTV fluctuation rate, for example, according to the above-mentioned arithmetic expression “LTV fluctuation rate = α × future conversion included profit information + β × expensive feeling information”, and using the LTV fluctuation rate and the reference LTV, the property of the property Calculate LTV.

  For example, the processing result acquisition unit 332 may use, for example, the following equation: “LTV fluctuation rate = α × future conversion included profit information + β × depression feeling information + γ × student unit comparison discounted feeling information” (α, β, and γ are respectively future conversion included profit information and The degree of reflection of the discounted feeling information and the dwelling unit compared valued feeling information, for example, the LTV fluctuation rate is calculated by “α = 0.5”, “β = 0.7”, “γ = 0.2”), A score that is paired with the LTV fluctuation rate is acquired from the storage unit 11. Note that, for example, the processing result acquisition unit 332 determines whether the type of property information of the property for which the score is to be acquired has is “pre-owned” or “new construction”, and the processing result acquisition unit 332 is “new construction”. For example, the LTV fluctuation rate is calculated according to the above-mentioned arithmetic expression “LTV fluctuation rate = α × future conversion income information + β × depression feeling information + γ × dwelling unit comparison discountedness information”, and the LTV fluctuation rate and the reference LTV are calculated. Use to calculate the LTV of the property.

  Next, the operation of the property information processing apparatus 3 will be described using the flowchart of FIG. In the flowchart of FIG. 17, the description of the same steps as those of the flowchart of FIG. 3 will be omitted.

  (Step S1701) The processing result acquisition unit 132 acquires a processing result using the two or more attribute values acquired in step S305. The processing result acquisition processing will be described with reference to the flowchart of FIG. Also, here, it is preferable that the processing result acquisition unit 132 acquire two or more types of processing results.

  In the flowchart of FIG. 17, the process is ended by an interruption of power off or process end.

  Next, the process result acquisition process of step S1701 will be described using the flowchart of FIG. Here, the processing result is, for example, LTV.

  (Step S1801) The processing result acquisition unit 132 acquires type information from the acquired two or more attribute values.

  (Step S1802) The processing result acquisition unit 132 determines whether the type information acquired in step S1801 is “used” or “new construction”. In the case of "used", the process goes to step S1803, and in the case of "new construction", the process goes to step S1806.

  (Step S1803) When the type information is “used”, the processing result acquisition unit 132 acquires two or more attribute values used to acquire the LTV from the acquired two or more attribute values.

  (Step S1804) The processing result acquisition unit 132 acquires the LTV fluctuation rate, which is information before LTV calculation, using the two or more attribute values acquired in step S1803.

  (Step S1805) The processing result acquisition unit 132 acquires an LTV using the LTV fluctuation rate acquired in Step S1804. Return to upper level processing.

  Note that, for example, the processing result acquisition unit 132 reads the reference LTV from the storage unit 11, and calculates LTV by “LTV = reference LTV + LTV fluctuation rate”.

  (Step S1806) When the type information is “new construction”, the processing result acquisition unit 132 acquires two or more attribute values used to acquire the LTV from the acquired two or more attribute values.

  (Step S1807) The processing result acquisition unit 132 uses the two or more attribute values acquired in step S1806 to acquire the LTV fluctuation rate, which is information in front of LTV calculation.

  (Step S1808) The processing result acquisition unit 132 acquires an LTV using the LTV fluctuation rate acquired in Step S1807. Return to upper level processing.

  Note that, for example, the processing result acquisition unit 132 reads the reference LTV from the storage unit 11, and calculates the LTV by the arithmetic expression “LTV = reference LTV + LTV fluctuation rate”.

  Hereinafter, specific operations of the information processing system B in the present embodiment will be described. The conceptual diagram of the information processing system B is the same as that of FIG.

  Now, the property information storage unit 111 of the property information processing apparatus 1 stores a property information management table in which one or more pieces of property information are stored. An example of the property information is FIG.

  The storage unit 11 also stores a reflection degree management table shown in FIG. Further, it is assumed that the reference LTV “90%” is stored in the storage unit 11.

  In such a situation, it is assumed that the user has input an output instruction including the property identifier “B001” to the terminal device 2. Then, the terminal accepting unit 22 accepts an output instruction. Then, the terminal processing unit 23 configures an output instruction including the property identifier “B001”. Next, the terminal transmission unit 24 transmits the configured output instruction to the property information processing apparatus 1.

  Next, the reception unit 12 of the property information processing apparatus 1 receives an output instruction from the terminal device 2. Then, the processing result acquisition unit 132 acquires, from the property information management table (see FIG. 7), two or more attribute values paired with the property identifier “B001” included in the output instruction.

  Next, the processing result acquisition unit 132 calculates the LTV of the property of the property identifier “B001” as follows. That is, the processing result acquisition unit 132 acquires type information “used” from the acquired two or more attribute values. Then, the processing result acquisition unit 132 acquires the attribute “future conversion included profit information” and “expensive feeling information” of FIG. 8A corresponding to the type information “pre-owned”.

  Then, the processing result acquisition unit 132 acquires future converted profit information to be paired with the property identifier “B001” as follows. That is, the processing result acquisition unit 132 combines the property identifier “B 001” with the post-correction property secondhand rate information “2.0”, the age “5”, and the loan reduction information “−2.3”, Acquired from the information of FIG. In addition, the processing result acquisition unit 132 reads the arithmetic expression "future converted unrealized profit information = (post-correction property second-hand rate information / years old-2%)-loan decrease information) * 10" from the storage unit 11, The calculation is executed by substituting the acquired post-correction property secondhand rate information “2.0”, the age “5”, and the loan reduction information “−2.3” into the equation. Then, the processing result acquisition unit 132 obtains “future conversion unrealized profit information = 0.7”.

  Further, the processing result acquisition unit 132 acquires, from the information in FIG. 7, the discounted feeling information “3.8” that is paired with the property identifier “B001”.

  Next, referring to FIG. 8A, the processing result acquisition unit 132 obtains an arithmetic expression of “future converted profit information * 0.5 + discounted feeling information * 0.7”, and converts “the future conversion” Unrealized profit information = 0.7 ”and“ expensive feeling information = 3.8 ”are substituted, the arithmetic expression is executed, and the LTV fluctuation rate“ 3.01 ”is obtained.

  Next, the processing result acquisition unit 132 reads the reference LTV “90%” from the storage unit 11, and calculates the LTV “93.01%” by the arithmetic expression “LTV = reference LTV + LTV fluctuation rate”.

  Next, the processing result output unit 141 transmits the acquired LTV “93.01%” to the terminal device 2. In addition, the output unit 14 may also transmit one or more attribute values of the property to the terminal device 2.

  Next, the terminal reception unit 25 of the terminal device 2 receives the LTV "93.01%" and the like. Then, the terminal output unit 26 outputs the received LTV “93.01%” or the like.

  As described above, according to the present embodiment, it is possible to obtain and output loan information related to a mortgage such as LTV information using two or more attribute values of a real estate property.

  In the present embodiment, the property information processing apparatus 3 may operate in a stand-alone manner. In such a case, the user operates the property information processing apparatus 3. Then, the receiving unit 12 receives an instruction, information, and the like from the user. Further, the output unit 14 displays information to be output or transmits the information to an external display device (not shown).

  Further, a program for realizing the property information processing apparatus 3 may be realized by, for example, spreadsheet software (for example, Excel (registered trademark)), and property information may be input and processed by the interface of the table. . That is, it goes without saying that the interface of the property information processing apparatus 1 does not matter.

  Furthermore, the processing in the present embodiment may be realized by software. Then, this software may be distributed by software download or the like. Also, the software may be distributed by being recorded on a recording medium such as a CD-ROM. This applies to the other embodiments in the present specification. The software for realizing the property information processing apparatus 3 in the present embodiment is the following program. That is, this program uses a computer capable of accessing a property information storage unit in which property information having two or more attribute values related to real estate property is stored, using one or more attribute values and one or more loans related to a mortgage. It is a program for functioning as a processing result acquisition part which acquires information, and a processing result output part which outputs the one or more loan information.

  FIG. 19 shows the appearance of a computer that implements the property information processing apparatus 1 and the like of the various embodiments described above by executing the program described in the present specification. The embodiments described above can be implemented with computer hardware and computer programs executed thereon. FIG. 19 is a schematic view of this computer system 300, and FIG. 20 is a block diagram of the system 300.

  In FIG. 19, a computer system 300 includes a computer 301 including a CD-ROM drive, a keyboard 302, a mouse 303, and a monitor 304.

  In FIG. 20, in addition to the CD-ROM drive 3012, the computer 301 stores in the MPU 3013, a bus 3014 connected to the CD-ROM drive 3012, etc., and a ROM 3015 and MPU 3013 for storing programs such as a bootup program. It includes a RAM 3016 which is connected and temporarily stores instructions of the application program and provides a temporary storage space, and a hard disk 3017 for storing the application program, the system program, and data. Although not shown here, the computer 301 may further include a network card for providing a connection to the LAN.

  The program for causing the computer system 300 to execute the function of the property information processing apparatus 1 or the like of the above-described embodiment is stored in the CD-ROM 3101, inserted into the CD-ROM drive 3012, and further transferred to the hard disk 3017. good. Alternatively, the program may be transmitted to the computer 301 via a network (not shown) and stored in the hard disk 3017. The program is loaded into the RAM 3016 upon execution. The program may be loaded directly from the CD-ROM 3101 or the network.

  The program may not necessarily include the operating system (OS) or the third party program that causes the computer 301 to execute the functions of the property information processing apparatus 1 or the like according to the above-described embodiment. The program needs to call only an appropriate function (module) in a controlled manner, and include only a part of an instruction that makes it possible to obtain a desired result. It is well known how the computer system 300 operates, and the detailed description is omitted.

  Moreover, the computer that executes the program may be singular or plural. That is, centralized processing may be performed, or distributed processing may be performed.

  Further, in each of the above embodiments, it goes without saying that two or more communication means existing in one apparatus may be physically realized by one medium.

  In each of the above embodiments, each process may be realized by centralized processing by a single device, or may be realized by distributed processing by a plurality of devices.

  It goes without saying that the present invention is not limited to the above embodiments, and various modifications are possible, which are also included in the scope of the present invention.

  As described above, the property information processing apparatus according to the present invention performs processing using two or more attribute values of the real estate property, and has an effect of being able to output processing results such as LTV information, for example. Is useful as a server device or terminal device that provides

1, 3 Property Information Processing Device 2 Terminal Device 11 Storage Unit 12 Reception Unit 13, 33 Processing Unit 14 Output Unit 21 Terminal Storage Unit 22 Terminal Reception Unit 23 Terminal Processing Unit 24 Terminal Transmission Unit 25 Terminal Reception Unit 26 Terminal Output Unit 111 Property Information storage unit 112 Map information storage unit 113 Drawing information storage unit 131 Score acquisition unit 132, 332 Processing result acquisition unit 141 Processing result output unit

Claims (15)

Information on real estate properties, sale price information for specifying sale price, contract price information for specifying contract price, appraisal price information for specifying appraisal price, discounted feeling information for identifying the degree of bargain price, rent for a fixed period Regular period rent information to identify, vacancy rate information to identify the vacancy rate, surfacing information to identify the surface yield, return probability information to identify the earning probability, discount rate information to specify the rate of decline, real estate property Property price last year information that specifies the year-to-year ratio of prices, station last year ratio information that specifies the year-to-year ratio of prices for properties near the nearest station for real estate properties, before the price for properties in administrative areas where real estate properties exist Administrative district last year relative information which specifies year-to-year ratio, line segment relative price which specifies the year-to-year ratio of the price regarding the property of administrative district where real estate property exists Average downturn rate Information about the area last year, information on the property of the administrative area where the real estate property is located Row line price to determine the year-on-year comparison of the property price unit period average price Identifying rates Average station falling rate information Identifying rate of decrease Average rate of decline Information last year Percent information Information on properties in the administrative area where real estate property exists Row line price for unit period of line property price Identify the average decline rate of the unit period of the administrative district where the real estate property of the nearest station of the average station of the average real estate property is located Administrative district average decline rate information Identify the average decline rate Station average decline rate information Identify the decline rate of the average Property information storage unit in which property information having two or more attribute values among the decrease rate information political district last year year-on-year information and loan decrease information on decrease in principal of the real estate property is stored;
Selling price information, contract price information, appraisal price information, discounted feeling information, fixed term rent information, surging time information, return probability information, property using 2 or more attribute values of the property information Used price increase rate information, corrected property used price increase rate information, corrected station used price increase rate information, corrected administrative district used price increase rate information, corrected property used price increase rate previous year information, corrected station used value Higher ratio last year relative information, corrected administrative district second-hand upper rate ratio last year relative information, future conversion unrealized profit information, dwelling unit comparison discounted feeling information, article price last year relative information, station last year relative information, administrative district last year relative information, loan decrease A score acquisition unit that acquires a higher score as one or more attribute values of the information have a larger value;
A processing result acquisition unit that acquires LTV information that specifies an LTV that has a larger value as the score is higher ;
A property information processing apparatus comprising: a processing result output unit that outputs the LTV information. Information on real estate properties, sale price information for specifying sale price, contract price information for specifying contract price, appraisal price information for specifying appraisal price, discounted feeling information for identifying the degree of bargain price, rent for a fixed period Regular period rent information to identify, vacancy rate information to identify the vacancy rate, surfacing information to identify the surface yield, return probability information to identify the earning probability, discount rate information to specify the rate of decline, real estate property Property price last year information that specifies the year-to-year ratio of prices, station last year ratio information that specifies the year-to-year ratio of prices for properties near the nearest station for real estate properties, before the price for properties in administrative areas where real estate properties exist Administrative district last year relative information which specifies year-to-year ratio, line segment relative price which specifies the year-to-year ratio of the price regarding the property of administrative district where real estate property exists Average downturn rate Information about the area last year, information on the property of the administrative area where the real estate property is located Row line price to determine the year-on-year comparison of the property price unit period average price Identifying rates Average station falling rate information Identifying rate of decrease Average rate of decline Information last year Percent information Information on properties in the administrative area where real estate property exists Row line price for unit period of line property price Identify the average decline rate of the unit period of the administrative district where the real estate property of the nearest station of the average station of the average real estate property is located Administrative district average decline rate information Identify the average decline rate Station average decline rate information Identify the decline rate of the average Property information storage unit in which property information having two or more attribute values among the decrease rate information political district last year year-on-year information and loan decrease information on decrease in principal of the real estate property is stored;
Selling price information, contract price information, appraisal price information, discounted feeling information, fixed term rent information, surging time information, return probability information, property using 2 or more attribute values of the property information Used price increase rate information, corrected property used price increase rate information, corrected station used price increase rate information, corrected administrative district used price increase rate information, corrected property used price increase rate previous year information, corrected station used value Higher ratio last year relative information, corrected administrative district second-hand upper rate ratio last year relative information, future conversion unrealized profit information, dwelling unit comparison discounted feeling information, article price last year relative information, station last year relative information, administrative district last year relative information, loan decrease A score acquisition unit that acquires a higher score as one or more attribute values of the information have a larger value;
A processing result acquisition unit that acquires interest rate information that specifies an interest rate that becomes smaller as the score is higher ;
A property information processing apparatus comprising: a processing result output unit that outputs the interest rate information. Information on real estate properties, sale price information for specifying sale price, contract price information for specifying contract price, appraisal price information for specifying appraisal price, discounted feeling information for identifying the degree of bargain price, rent for a fixed period Regular period rent information to identify, vacancy rate information to identify the vacancy rate, surfacing information to identify the surface yield, return probability information to identify the earning probability, discount rate information to specify the rate of decline, real estate property Property price last year information that specifies the year-to-year ratio of prices, station last year ratio information that specifies the year-to-year ratio of prices for properties near the nearest station for real estate properties, before the price for properties in administrative areas where real estate properties exist Administrative district last year relative information which specifies year-to-year ratio, line segment relative price which specifies the year-to-year ratio of the price regarding the property of administrative district where real estate property exists Average downturn rate Information about the area last year, information on the property of the administrative area where the real estate property is located Row line price to determine the year-on-year comparison of the property price unit period average price Identifying rates Average station falling rate information Identifying rate of decrease Average rate of decline Information last year Percent information Information on properties in the administrative area where real estate property exists Row line price for unit period of line property price Identify the average decline rate of the unit period of the administrative district where the real estate property of the nearest station of the average station of the average real estate property is located Administrative district average decline rate information Identify the average decline rate Station average decline rate information Identify the decline rate of the average Property information storage unit in which property information having two or more attribute values among the decrease rate information political district last year year-on-year information and loan decrease information on decrease in principal of the real estate property is stored;
Selling price information, contract price information, appraisal price information, discounted feeling information, fixed term rent information, surging time information, return probability information, property using 2 or more attribute values of the property information Used price increase rate information, corrected property used price increase rate information, corrected station used price increase rate information, corrected administrative district used price increase rate information, corrected property used price increase rate previous year information, corrected station used value Higher ratio last year relative information, corrected administrative district second-hand upper rate ratio last year relative information, future conversion unrealized profit information, dwelling unit comparison discounted feeling information, article price last year relative information, station last year relative information, administrative district last year relative information, loan decrease A score acquisition unit that acquires a higher score as one or more attribute values of the information have a larger value;
A processing result acquisition unit that acquires loan fee information that specifies a loan fee that becomes smaller as the score is higher ;
A property information processing apparatus , comprising: a processing result output unit that outputs the loan fee information. Information about the real estate property, location information specifying the position of the real estate property, selling price information specifying the selling price, contract price information specifying the contract price, appraisal price information specifying the appraisal price, degree of discount Valuation sense information to identify, periodic term rent information to identify rent for a regular period, vacancy rate information to identify vacancy rate, surfacing information to identify surface yield, return probability information to identify a profit probability, price reduction rate The price reduction rate information to identify the property price last year information to identify the price of the real estate property, the station price comparison information to identify the year on year comparison of the price of the property around the nearest station of the real estate property, real estate The administrative district last year ratio information which specifies the year-on-year ratio of the price about the property of the administrative district where the property exists, the line property price which specifies the year-over-year ratio of the price regarding the property of the administrative district where the real estate property exists The average decline rate information to identify the average rate of decline of the price in the unit period Information on the previous fiscal year information, to identify the year-on-year comparison of the price for the property in the administrative district where the real estate property exists Identifying the average rate of decline of the unit period of the nearest station of real estate property Average rate of decline information specifying rate of decline Average rate of decline information Identify the ratio Property price Unit period average price Real estate property nearest station Determine the average period drop rate of the unit period of the administrative district where the real estate property of the unit period is located Identify the average decline rate information Average decrease rate Store information that has 2 or more attribute values among the average decrease rate information to identify the station average decrease rate information decrease rate, and the information about the decrease rate of the real estate property, and the decrease rate information for the real estate property. And property information storage unit that,
A map information storage unit in which map information which is information of a map is stored ;
Selling price information, contract price information, appraisal price information, discounted feeling information, fixed term rent information, surging time information, return probability information, property using 2 or more attribute values of the property information Used price increase rate information, corrected property used price increase rate information, corrected station used price increase rate information, corrected administrative district used price increase rate information, corrected property used price increase rate previous year information, corrected station used value Higher ratio last year relative information, corrected administrative district second-hand upper rate ratio last year relative information, future conversion unrealized profit information, dwelling unit comparison discounted feeling information, article price last year relative information, station last year relative information, administrative district last year relative information, loan decrease A score acquisition unit that acquires a higher score as one or more attribute values of the information have a larger value;
A processing result acquisition unit that configures score expression map information using map information of the map information storage unit so that the score can be visually recognized in association with a position on the map indicated by the position information ;
A property information processing apparatus , comprising: a processing result output unit that outputs the score expression map information. It is information on real estate properties, and is information on the relative arrangement of collective housing including real estate properties, placement information to specify sale prices, sale price information to specify sale prices, contract price information to specify contract prices, and appraisal prices Appraised price information, discounted feeling information specifying the degree of cheapness, fixed term rent information specifying the rent for a fixed period, vacancy rate information specifying the vacancy rate, surface interest information specifying the surface yield, profit probability Probability probability information to identify the price reduction rate information to specify the rate of decline, property prices to the last year to identify the property price last year information to the last year, information on the property around the nearest station of the real estate property Station previous year relative information to identify the, administrative district last year relative information to identify the year-to-year ratio of the price for the property of the administrative district where the real estate property exists, before the price for the property for the administrative district where the real estate property exists The line which specifies the ratio The average decline rate which specifies the average rate of decline of the price in the unit period of information Unit area last year's ratio information, line property which specifies the year-to-year ratio of the price for the property in the administrative district where the real estate property exists Identify the average rate of decline of the unit period of the nearest station of the average real estate property of the unit period of price Average station decline rate information Determine the rate of decline Average rate of decline information Determine the year-on-year comparison of prices for properties in administrative districts Average price of unit period price of line property price Unit district average rate of decline in unit period of the administrative district where the real estate property in the unit period of the nearest station of the real estate property exists Decline rate information Identifying the average rate of decline Station average rate of fall information Determine the rate of decline Average rate of decline information Information about the last year of information about the constituency area, loan reduction information for the real estate property loan reduction information 2 or more attribute values A property information storage unit for listing with is stored,
A drawing information storage unit in which drawing information is stored, which is information on drawings of a collective housing including the real estate property ;
Selling price information, contract price information, appraisal price information, discounted feeling information, fixed term rent information, surging time information, return probability information, property using 2 or more attribute values of the property information Used price increase rate information, corrected property used price increase rate information, corrected station used price increase rate information, corrected administrative district used price increase rate information, corrected property used price increase rate previous year information, corrected station used value Higher ratio last year relative information, corrected administrative district second-hand upper rate ratio last year relative information, future conversion unrealized profit information, dwelling unit comparison discounted feeling information, article price last year relative information, station last year relative information, administrative district last year relative information, loan decrease A score acquisition unit that acquires a higher score as one or more attribute values of the information have a larger value;
Processing result acquisition that configures score presentation drawing information using the drawing information of the drawing information storage unit so that the score can be visually recognized in association with the position on the drawing of the housing complex indicated by the arrangement information Department ,
A property information processing apparatus comprising: a processing result output unit that outputs the score presentation drawing information. Information on real estate properties, sale price information for specifying sale price, contract price information for specifying contract price, appraisal price information for specifying appraisal price, discounted feeling information for identifying the degree of bargain price, rent for a fixed period Regular period rent information to identify, vacancy rate information to identify the vacancy rate, surfacing information to identify the surface yield, return probability information to identify the earning probability, discount rate information to specify the rate of decline, real estate property Property price last year information that specifies the year-to-year ratio of prices, station last year ratio information that specifies the year-to-year ratio of prices for properties near the nearest station for real estate properties, before the price for properties in administrative areas where real estate properties exist Administrative district last year relative information which specifies year-to-year ratio, line segment relative price which specifies the year-to-year ratio of the price regarding the property of administrative district where real estate property exists Average downturn rate Information about the area last year, information on the property of the administrative area where the real estate property is located Row line price to determine the year-on-year comparison of the property price unit period average price Identifying rates Average station falling rate information Identifying rate of decrease Average rate of decline Information last year Percent information Information on properties in the administrative area where real estate property exists Row line price for unit period of line property price Identify the average decline rate of the unit period of the administrative district where the real estate property of the nearest station of the average station of the average real estate property is located Administrative district average decline rate information Identify the average decline rate Station average decline rate information Identify the decline rate of the average decline rate information administrative Region previous year information, and property information storage unit which property information is stored with more than one attribute value of the loan decrease information about principal reduction of real estate loan, and scores acquisition unit, processing A result acquisition unit, a property information processing method is realized by the processing result output unit,
The score acquisition unit uses the two or more attribute values of the property information to sell the sale price information, the contract price information, the assessment price information, the bargain price information, the regular period rent information, the surface interest information, and the property information. , Remorse probability information, Property second-hand rate top information, Corrected property second-hand rate top information, Station second-hand value top rate information after correction, Corrected administrative district second-hand value top rate information, Corrected property second-hand rate top rate information last year information After correction Station used price increase ratio last year yearly information, after correction Administrative district second-hand price increase ratio information, future conversion including included profit information, dwelling unit comparison discounted feeling information, article price last year ratio information, station last year ratio information, administrative district before A score acquiring step of acquiring a higher score as the attribute value of one or more of the yearly ratio information and the loan decrease information is larger ;
A processing result acquisition step of acquiring LTV information specifying the LTV which becomes a larger value as the score is higher ;
A property information processing method comprising: the processing result output step of outputting the LTV information . Information on real estate properties, sale price information for specifying sale price, contract price information for specifying contract price, appraisal price information for specifying appraisal price, discounted feeling information for identifying the degree of bargain price, rent for a fixed period Regular period rent information to identify, vacancy rate information to identify the vacancy rate, surfacing information to identify the surface yield, return probability information to identify the earning probability, discount rate information to specify the rate of decline, real estate property Property price last year information that specifies the year-to-year ratio of prices, station last year ratio information that specifies the year-to-year ratio of prices for properties near the nearest station for real estate properties, before the price for properties in administrative areas where real estate properties exist Administrative district last year relative information which specifies year-to-year ratio, line segment relative price which specifies the year-to-year ratio of the price regarding the property of administrative district where real estate property exists Average downturn rate Information about the area last year, information on the property of the administrative area where the real estate property is located Row line price to determine the year-on-year comparison of the property price unit period average price Identifying rates Average station falling rate information Identifying rate of decrease Average rate of decline Information last year Percent information Information on properties in the administrative area where real estate property exists Row line price for unit period of line property price Identify the average decline rate of the unit period of the administrative district where the real estate property of the nearest station of the average station of the average real estate property is located Administrative district average decline rate information Identify the average decline rate Station average decline rate information Identify the decline rate of the average Property information storage unit that stores property information that has two or more attribute values out of decrease ratio information political district last year year-on-year information, loan decrease information on decrease of principal of loan of real property, score acquisition unit, A result acquisition unit, a property information processing method is realized by the processing result output unit,
The score acquisition unit uses the two or more attribute values of the property information to sell the sale price information, the contract price information, the assessment price information, the bargain price information, the regular period rent information, the surface interest information, and the property information. , Remorse probability information, Property second-hand rate top information, Corrected property second-hand rate top information, Station second-hand value top rate information after correction, Corrected administrative district second-hand value top rate information, Corrected property second-hand rate top rate information last year information After correction Station used price increase ratio last year yearly information, after correction Administrative district second-hand price increase ratio information, future conversion including included profit information, dwelling unit comparison discounted feeling information, article price last year ratio information, station last year ratio information, administrative district before A score acquiring step of acquiring a higher score as the attribute value of one or more of the yearly ratio information and the loan decrease information is larger;
A processing result acquisition step of acquiring interest rate information that specifies an interest rate that becomes smaller as the score is higher, in the processing result acquisition unit;
A property information processing method comprising: the processing result output step of outputting the interest rate information. Information on real estate properties, sale price information for specifying sale price, contract price information for specifying contract price, appraisal price information for specifying appraisal price, discounted feeling information for identifying the degree of bargain price, rent for a fixed period Regular period rent information to identify, vacancy rate information to identify the vacancy rate, surfacing information to identify the surface yield, return probability information to identify the earning probability, discount rate information to specify the rate of decline, real estate property Property price last year information that specifies the year-to-year ratio of prices, station last year ratio information that specifies the year-to-year ratio of prices for properties near the nearest station for real estate properties, before the price for properties in administrative areas where real estate properties exist Administrative district last year relative information which specifies year-to-year ratio, line segment relative price which specifies the year-to-year ratio of the price regarding the property of administrative district where real estate property exists Average downturn rate Information about the area last year, information on the property of the administrative area where the real estate property is located Row line price to determine the year-on-year comparison of the property price unit period average price Identifying rates Average station falling rate information Identifying rate of decrease Average rate of decline Information last year Percent information Information on properties in the administrative area where real estate property exists Row line price for unit period of line property price Identify the average decline rate of the unit period of the administrative district where the real estate property of the nearest station of the average station of the average real estate property is located Administrative district average decline rate information Identify the average decline rate Station average decline rate information Identify the decline rate of the average Property information storage unit that stores property information that has two or more attribute values out of decrease ratio information political district last year year-on-year information, loan decrease information on decrease of principal of loan of real property, score acquisition unit, A result acquisition unit, a property information processing method is realized by the processing result output unit,
The score acquisition unit uses the two or more attribute values of the property information to sell the sale price information, the contract price information, the assessment price information, the bargain price information, the regular period rent information, the surface interest information, and the property information. , Remorse probability information, Property second-hand rate top information, Corrected property second-hand rate top information, Station second-hand value top rate information after correction, Corrected administrative district second-hand value top rate information, Corrected property second-hand rate top rate information last year information After correction Station used price increase ratio last year yearly information, after correction Administrative district second-hand price increase ratio information, future conversion including included profit information, dwelling unit comparison discounted feeling information, article price last year ratio information, station last year ratio information, administrative district before A score acquiring step of acquiring a higher score as the attribute value of one or more of the yearly ratio information and the loan decrease information is larger;
A process result acquisition step of acquiring loan fee information for specifying a loan fee which becomes smaller as the score is higher, the process result acquisition unit;
A property information processing method comprising: the processing result output step of outputting the loan processing fee information. Information about the real estate property, location information specifying the position of the real estate property, selling price information specifying the selling price, contract price information specifying the contract price, appraisal price information specifying the appraisal price, degree of discount Valuation sense information to identify, periodic term rent information to identify rent for a regular period, vacancy rate information to identify vacancy rate, surfacing information to identify surface yield, return probability information to identify a profit probability, price reduction rate The price reduction rate information to identify the property price last year information to identify the price of the real estate property, the station price comparison information to identify the year on year comparison of the price of the property around the nearest station of the real estate property, real estate The administrative district last year ratio information which specifies the year-on-year ratio of the price about the property of the administrative district where the property exists, the line property price which specifies the year-over-year ratio of the price regarding the property of the administrative district where the real estate property exists The average decline rate information to identify the average rate of decline of the price in the unit period Information on the previous fiscal year information, to identify the year-on-year comparison of the price for the property in the administrative district where the real estate property exists Identifying the average rate of decline of the unit period of the nearest station of real estate property Average rate of decline information specifying rate of decline Average rate of decline information Identify the ratio Property price Unit period average price Real estate property nearest station Determine the average period drop rate of the unit period of the administrative district where the real estate property of the unit period is located Identify the average decline rate information Average decrease rate Store information that has 2 or more attribute values among the average decrease rate information to identify the station average decrease rate information decrease rate, and the information about the decrease rate of the real estate property, and the decrease rate information for the real estate property. A property information storage unit, a map information storage unit storing map information that is map information, a score acquisition unit, a processing result acquisition unit, and a processing result output unit. ,
The score acquisition unit uses the two or more attribute values of the property information to sell the sale price information, the contract price information, the assessment price information, the bargain price information, the regular period rent information, the surface interest information, and the property information. , Remorse probability information, Property second-hand rate top information, Corrected property second-hand rate top information, Station second-hand value top rate information after correction, Corrected administrative district second-hand value top rate information, Corrected property second-hand rate top rate information last year information After correction Station used price increase ratio last year yearly information, after correction Administrative district second-hand price increase ratio information, future conversion including included profit information, dwelling unit comparison discounted feeling information, article price last year ratio information, station last year ratio information, administrative district before A score acquiring step of acquiring a higher score as the attribute value of one or more of the yearly ratio information and the loan decrease information is larger;
The processing result acquisition unit configures score expression map information using map information of the map information storage unit so that the score can be visually recognized in association with the position on the map indicated by the position information. Processing result acquisition step,
A property information processing method comprising: the processing result output step of outputting the score expression map information. It is information on real estate properties, and is information on the relative arrangement of collective housing including real estate properties, placement information to specify sale prices, sale price information to specify sale prices, contract price information to specify contract prices, and appraisal prices Appraised price information, discounted feeling information specifying the degree of cheapness, fixed term rent information specifying the rent for a fixed period, vacancy rate information specifying the vacancy rate, surface interest information specifying the surface yield, profit probability Probability probability information to identify the price reduction rate information to specify the rate of decline, property prices to the last year to identify the property price last year information to the last year, information on the property around the nearest station of the real estate property Station previous year relative information to identify the, administrative district last year relative information to identify the year-to-year ratio of the price for the property of the administrative district where the real estate property exists, before the price for the property for the administrative district where the real estate property exists The line which specifies the ratio The average decline rate which specifies the average rate of decline of the price in the unit period of information Unit area last year's ratio information, line property which specifies the year-to-year ratio of the price for the property in the administrative district where the real estate property exists Identify the average rate of decline of the unit period of the nearest station of the average real estate property of the unit period of price Average station decline rate information Determine the rate of decline Average rate of decline information Determine the year-on-year comparison of prices for properties in administrative districts Average price of unit period price of line property price Unit district average rate of decline in unit period of the administrative district where the real estate property in the unit period of the nearest station of the real estate property exists Decline rate information Identifying the average rate of decline Station average rate of fall information Determine the rate of decline Average rate of decline information Information about the last year of information about the constituency area, loan reduction information for the real estate property loan reduction information 2 or more attribute values A property information storage unit in which property information is stored, a drawing information storage unit in which drawing information is stored, which is information of a drawing of an apartment complex including the real estate property, a score acquisition unit, a processing result acquisition unit, and processing A property information processing method realized by the result output unit, and
The score acquisition unit uses the two or more attribute values of the property information to sell the sale price information, the contract price information, the assessment price information, the bargain price information, the regular period rent information, the surface interest information, and the property information. , Remorse probability information, Property second-hand rate top information, Corrected property second-hand rate top information, Station second-hand value top rate information after correction, Corrected administrative district second-hand value top rate information, Corrected property second-hand rate top rate information last year information After correction Station used price increase ratio last year yearly information, after correction Administrative district second-hand price increase ratio information, future conversion including included profit information, dwelling unit comparison discounted feeling information, article price last year ratio information, station last year ratio information, administrative district before A score acquiring step of acquiring a higher score as the attribute value of one or more of the yearly ratio information and the loan decrease information is larger;
The processing result acquisition unit uses the drawing information of the drawing information storage unit so that the score can be visually recognized in association with the position on the drawing of the multi-family housing indicated by the arrangement information, and the score expression drawing Processing result acquisition step of configuring information;
A property information processing method comprising: the processing result output step of outputting the score presentation drawing information. Information on real estate properties, sale price information for specifying sale price, contract price information for specifying contract price, appraisal price information for specifying appraisal price, discounted feeling information for identifying the degree of bargain price, rent for a fixed period Regular period rent information to identify, vacancy rate information to identify the vacancy rate, surfacing information to identify the surface yield, return probability information to identify the earning probability, discount rate information to specify the rate of decline, real estate property Property price last year information that specifies the year-to-year ratio of prices, station last year ratio information that specifies the year-to-year ratio of prices for properties near the nearest station for real estate properties, before the price for properties in administrative areas where real estate properties exist Administrative district last year relative information which specifies year-to-year ratio, line segment relative price which specifies the year-to-year ratio of the price regarding the property of administrative district where real estate property exists Average downturn rate Information about the area last year, information on the property of the administrative area where the real estate property is located Row line price to determine the year-on-year comparison of the property price unit period average price Identifying rates Average station falling rate information Identifying rate of decrease Average rate of decline Information last year Percent information Information on properties in the administrative area where real estate property exists Row line price for unit period of line property price Identify the average decline rate of the unit period of the administrative district where the real estate property of the nearest station of the average station of the average real estate property is located Administrative district average decline rate information Identify the average decline rate Station average decline rate information Identify the decline rate of the average decline rate information administrative Region previous year information, accessible to property information storage unit which property information is stored with more than one attribute value of the loan decrease information about principal reduction of real estate loan competent The over data,
Using two or more of the attribute values that the listing has, sale price information that the listing has, contracts concluded price information, assessment price information, undervalued information, regular period rent information, surface-yield information, lucrative probability information, property Used price increase rate information, corrected property used price increase rate information, corrected station used price increase rate information, corrected administrative district used price increase rate information, corrected property used price increase rate previous year information, corrected station used value Higher ratio last year relative information, corrected administrative district second-hand upper rate ratio last year relative information, future conversion unrealized profit information, dwelling unit comparison discounted feeling information, article price last year relative information, station last year relative information, administrative district last year relative information, loan decrease A score acquisition unit that acquires a higher score as one or more attribute values of the information have a larger value ;
A processing result acquisition unit that acquires LTV information that specifies an LTV that has a larger value as the score is higher;
A program for functioning as a processing result output unit that outputs the LTV information . Information on real estate properties, sale price information for specifying sale price, contract price information for specifying contract price, appraisal price information for specifying appraisal price, discounted feeling information for identifying the degree of bargain price, rent for a fixed period Regular period rent information to identify, vacancy rate information to identify the vacancy rate, surfacing information to identify the surface yield, return probability information to identify the earning probability, discount rate information to specify the rate of decline, real estate property Property price last year information that specifies the year-to-year ratio of prices, station last year ratio information that specifies the year-to-year ratio of prices for properties near the nearest station for real estate properties, before the price for properties in administrative areas where real estate properties exist Administrative district last year relative information which specifies year-to-year ratio, line segment relative price which specifies the year-to-year ratio of the price regarding the property of administrative district where real estate property exists Average downturn rate Information about the area last year, information on the property of the administrative area where the real estate property is located Row line price to determine the year-on-year comparison of the property price unit period average price Identifying rates Average station falling rate information Identifying rate of decrease Average rate of decline Information last year Percent information Information on properties in the administrative area where real estate property exists Row line price for unit period of line property price Identify the average decline rate of the unit period of the administrative district where the real estate property of the nearest station of the average station of the average real estate property is located Administrative district average decline rate information Identify the average decline rate Station average decline rate information Identify the decline rate of the average The rate of decline information Information on the previous year's information and the loan reduction information on the decrease in principal of the real estate property Compiable that can access to the property information storage unit where the property information having two or more attribute values is stored. The over data,
Selling price information, contract price information, appraisal price information, discounted feeling information, fixed term rent information, surging time information, return probability information, property using 2 or more attribute values of the property information Used price increase rate information, corrected property used price increase rate information, corrected station used price increase rate information, corrected administrative district used price increase rate information, corrected property used price increase rate previous year information, corrected station used value Higher ratio last year relative information, corrected administrative district second-hand upper rate ratio last year relative information, future conversion unrealized profit information, dwelling unit comparison discounted feeling information, article price last year relative information, station last year relative information, administrative district last year relative information, loan decrease A score acquisition unit that acquires a higher score as one or more attribute values of the information have a larger value;
A processing result acquisition unit that acquires interest rate information that specifies an interest rate that becomes smaller as the score is higher;
A program for causing the processing result output unit to output the interest rate information. Information on real estate properties, sale price information for specifying sale price, contract price information for specifying contract price, appraisal price information for specifying appraisal price, discounted feeling information for identifying the degree of bargain price, rent for a fixed period Regular period rent information to identify, vacancy rate information to identify the vacancy rate, surfacing information to identify the surface yield, return probability information to identify the earning probability, discount rate information to specify the rate of decline, real estate property Property price last year information that specifies the year-to-year ratio of prices, station last year ratio information that specifies the year-to-year ratio of prices for properties near the nearest station for real estate properties, before the price for properties in administrative areas where real estate properties exist Administrative district last year relative information which specifies year-to-year ratio, line segment relative price which specifies the year-to-year ratio of the price regarding the property of administrative district where real estate property exists Average downturn rate Information about the area last year, information on the property of the administrative area where the real estate property is located Row line price to determine the year-on-year comparison of the property price unit period average price Identifying rates Average station falling rate information Identifying rate of decrease Average rate of decline Information last year Percent information Information on properties in the administrative area where real estate property exists Row line price for unit period of line property price Identify the average decline rate of the unit period of the administrative district where the real estate property of the nearest station of the average station of the average real estate property is located Administrative district average decline rate information Identify the average decline rate Station average decline rate information Identify the decline rate of the average The rate of decline information Information on the previous year's information and the loan reduction information on the decrease in principal of the real estate property Compiable that can access to the property information storage unit where the property information having two or more attribute values is stored. The over data,
Selling price information, contract price information, appraisal price information, discounted feeling information, fixed term rent information, surging time information, return probability information, property using 2 or more attribute values of the property information Used price increase rate information, corrected property used price increase rate information, corrected station used price increase rate information, corrected administrative district used price increase rate information, corrected property used price increase rate previous year information, corrected station used value Higher ratio last year relative information, corrected administrative district second-hand upper rate ratio last year relative information, future conversion unrealized profit information, dwelling unit comparison discounted feeling information, article price last year relative information, station last year relative information, administrative district last year relative information, loan decrease A score acquisition unit that acquires a higher score as one or more attribute values of the information have a larger value;
A processing result acquisition unit that acquires loan fee information that specifies a loan fee that becomes smaller as the score is higher;
A program for functioning as a processing result output unit that outputs the loan fee information. Information about the real estate property, location information specifying the position of the real estate property, selling price information specifying the selling price, contract price information specifying the contract price, appraisal price information specifying the appraisal price, degree of discount Valuation sense information to identify, periodic term rent information to identify rent for a regular period, vacancy rate information to identify vacancy rate, surfacing information to identify surface yield, return probability information to identify a profit probability, price reduction rate The price reduction rate information to identify the property price last year information to identify the price of the real estate property, the station price comparison information to identify the year on year comparison of the price of the property around the nearest station of the real estate property, real estate The administrative district last year ratio information which specifies the year-on-year ratio of the price about the property of the administrative district where the property exists, the line property price which specifies the year-over-year ratio of the price regarding the property of the administrative district where the real estate property exists The average decline rate information to identify the average rate of decline of the price in the unit period Information on the previous fiscal year information, to identify the year-on-year comparison of the price for the property in the administrative district where the real estate property exists Identifying the average rate of decline of the unit period of the nearest station of real estate property Average rate of decline information specifying rate of decline Average rate of decline information Identify the ratio Property price Unit period average price Real estate property nearest station Determine the average period drop rate of the unit period of the administrative district where the real estate property of the unit period is located Identify the average decline rate information Average decrease rate Store information that has 2 or more attribute values among the average decrease rate information to identify the station average decrease rate information decrease rate, and the information about the decrease rate of the real estate property, and the decrease rate information for the real estate property. That the property information storage unit, a map information storage unit and an accessible computer map information is information of the map is stored,
Selling price information, contract price information, appraisal price information, discounted feeling information, fixed term rent information, surging time information, return probability information, property using 2 or more attribute values of the property information Used price increase rate information, corrected property used price increase rate information, corrected station used price increase rate information, corrected administrative district used price increase rate information, corrected property used price increase rate previous year information, corrected station used value Higher ratio last year relative information, corrected administrative district second-hand upper rate ratio last year relative information, future conversion unrealized profit information, dwelling unit comparison discounted feeling information, article price last year relative information, station last year relative information, administrative district last year relative information, loan decrease A score acquisition unit that acquires a higher score as one or more attribute values of the information have a larger value;
A processing result acquisition unit that configures score expression map information using map information of the map information storage unit so that the score can be visually recognized in association with a position on the map indicated by the position information;
A program for functioning as a processing result output unit that outputs the score expression map information. It is information on real estate properties, and is information on the relative arrangement of collective housing including real estate properties, placement information to specify sale prices, sale price information to specify sale prices, contract price information to specify contract prices, and appraisal prices Appraised price information, discounted feeling information specifying the degree of cheapness, fixed term rent information specifying the rent for a fixed period, vacancy rate information specifying the vacancy rate, surface interest information specifying the surface yield, profit probability Probability probability information to identify the price reduction rate information to specify the rate of decline, property prices to the last year to identify the property price last year information to the last year, information on the property around the nearest station of the real estate property Station previous year relative information to identify the, administrative district last year relative information to identify the year-to-year ratio of the price for the property of the administrative district where the real estate property exists, before the price for the property for the administrative district where the real estate property exists The line which specifies the ratio The average decline rate which specifies the average rate of decline of the price in the unit period of information Unit area last year's ratio information, line property which specifies the year-to-year ratio of the price for the property in the administrative district where the real estate property exists Identify the average rate of decline of the unit period of the nearest station of the average real estate property of the unit period of price Average station decline rate information Determine the rate of decline Average rate of decline information Determine the year-on-year comparison of prices for properties in administrative districts Average price of unit period price of line property price Unit district average rate of decline in unit period of the administrative district where the real estate property in the unit period of the nearest station of the real estate property exists Decline rate information Identifying the average rate of decline Station average rate of fall information Determine the rate of decline Average rate of decline information Information about the last year of information about the constituency area, loan reduction information for the real estate property loan reduction information 2 or more attribute values A property information storage unit which property information is stored with, the real estate accessible computers and drawing information storage unit which drawing information is stored is information Housing figures including,
Selling price information, contract price information, appraisal price information, discounted feeling information, fixed term rent information, surging time information, return probability information, property using 2 or more attribute values of the property information Used price increase rate information, corrected property used price increase rate information, corrected station used price increase rate information, corrected administrative district used price increase rate information, corrected property used price increase rate previous year information, corrected station used value Higher ratio last year relative information, corrected administrative district second-hand upper rate ratio last year relative information, future conversion unrealized profit information, dwelling unit comparison discounted feeling information, article price last year relative information, station last year relative information, administrative district last year relative information, loan decrease A score acquisition unit that acquires a higher score as one or more attribute values of the information have a larger value;
Processing result acquisition that configures score presentation drawing information using the drawing information of the drawing information storage unit so that the score can be visually recognized in association with the position on the drawing of the housing complex indicated by the arrangement information Department,
A program for functioning as a processing result output unit that outputs the score presentation drawing information.