JP6989309B2 - Property search device, property search method and property search program - Google Patents

Description

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

Conventionally, a property search device for searching for newly built or used properties for sale or rental has been known. The conventional property search device may be able to perform a narrowing search based on the location of the property, the price range, and the like.

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

Japanese Unexamined Patent Publication No. 2002-170004

A user who purchases a property for sale may borrow funds from a financial institution and purchase the property within the range of the borrowable amount. The conventional property search device may search for a property for sale by calculating the amount that can be borrowed under predetermined conditions. Further, in the technique described in Patent Document 1, housing-related products including a mortgage are recommended according to attribute information including an individual's annual income and living expenses.

Users who are considering buying a property for sale may also be considering living in a rental property. In such a case, it is possible to borrow according to individual attributes by calculating the borrowable amount under predetermined conditions as in the past, searching for properties for sale, and comparing with the search results of rental properties. It was difficult to compare the properties because the situation where the amount fluctuated was not reflected in the search results and the property price and the rent were compared. Further, the technique described in Patent Document 1 is not premised on the search for rental properties, and is not suitable for the purpose of comparing for-sale properties and rental properties.

The present invention provides a property search device, a property search method, and a property search program that can perform a mortgage simulation under conditions according to the attributes of the user and perform a search while comparing the for-sale property and the rental property using the simulation results. The purpose is to provide.

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

According to this aspect, the monthly repayment amount is calculated based on the borrowable amount and the borrowing interest rate reflecting the attribute information of the user, and the property for sale that can be purchased within the range of the borrowable amount and the monthly repayment amount. Since rental properties that can be rented within the range of are searched, it is possible to easily compare the properties for sale and the rental properties under the conditions according to the attributes of the user.

In the above aspect, the search unit may select information about properties that can be purchased within the range of borrowable amount and properties that can be rented within the range of monthly repayment amount, including expenses related to property maintenance. You may search for information about.

According to this aspect, by searching for for-sale properties and rental properties including expenses related to property maintenance, it is possible to compare for-sale properties and rental properties in terms of total monthly payment, and more accurate expenditures. It is possible to compare for-sale properties and rental properties based on the outlook for.

In the above embodiment, the first amendment unit may be further provided to adjust the borrowable amount and the monthly repayment amount based on the life plan including the user's income and expenditure schedule.

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

In the above embodiment, there may be further provided with a second correction part that corrects at least one of the borrowable amount and the borrowing interest rate based on the information about the loan product.

According to this aspect, a more accurate borrowable amount and borrowing interest rate can be calculated by modifying at least one of the borrowable amount and the borrowing interest rate based on the information about the loan product available to the user. can.

In the above embodiment, a third modification unit may be further provided to modify at least one of the borrowable amount and the borrowing interest rate based on the information regarding the attributes of the property.

According to this aspect, the purchase is made by modifying at least one of the borrowable amount and the borrowing interest rate so as to reflect the actual transaction that the borrowable amount and the borrowing interest rate may fluctuate depending on the attribute of the property. It will be possible to make a more accurate comparison between the property for sale and the property for rent.

In the above aspect, the information regarding the attributes of the property may include at least one of information regarding the type of the property, information regarding the age of the property, information regarding the location, and information regarding the guarantee of the property value.

According to this aspect, by modifying at least one of the borrowable amount and the borrowing interest rate based on the guarantee information of the property type, age, location and property value, not only the attribute of the user but also the purchase is desired. The borrowable amount and the borrowing interest rate are calculated based on the collateral value of the property for sale, and the property for sale and the property for rent can be compared more accurately.

The property search method according to one aspect of the present invention includes a step of acquiring a borrowable amount that can be borrowed by the user and a borrowing interest rate applied to the user based on the attribute information of the user, and a borrowable amount and a borrowing interest rate. Based on the steps to calculate the user's monthly repayment amount, and to search for information about properties that can be purchased within the range of borrowable amount and information about properties that can be rented within the range of monthly repayment amount. include.

According to this aspect, the monthly repayment amount is calculated based on the borrowable amount and the borrowing interest rate reflecting the attribute information of the user, and the property for sale that can be purchased within the range of the borrowable amount and the monthly repayment amount. Since rental properties that can be rented within the range of are searched, it is possible to easily compare the properties for sale and the rental properties under the conditions according to the attributes of the user.

The property search program according to one aspect of the present invention acquires the borrowable amount that the user can borrow and the borrowing interest rate applied to the user based on the attribute information of the user from the computer provided in the property search device. Within the acquisition department, the second calculation unit that calculates the monthly repayment amount of the user based on the borrowable amount and the borrowing interest rate, and the information about the properties that can be purchased within the borrowable amount and the monthly repayment amount. It functions as a search unit for searching information about rentable properties.

According to this aspect, the monthly repayment amount is calculated based on the borrowable amount and the borrowing interest rate reflecting the attribute information of the user, and the property for sale that can be purchased within the range of the borrowable amount and the monthly repayment amount. Since rental properties that can be rented within the range of are searched, it is possible to easily compare the properties for sale and the rental properties under the conditions according to the attributes of the user.

According to the present invention, there is provided a property search device, a property search method, and a property search program that can easily compare a property for sale and a property for rent under conditions according to the attributes of the user.

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

An embodiment of the present invention will be described with reference to the accompanying drawings. In each figure, those with the same reference numerals have the same or similar configurations.

FIG. 1 is a diagram showing a network configuration of the property search device 10 according to the embodiment of the present invention. The property search device 10 is composed of a dedicated or general-purpose computer having at least a memory and a processor, and is connected to the communication network N. The communication network N may be the Internet, but may be a network such as a LAN (Local Area Network). The property search device 10 is connected to the loan calculation device 20, the plurality of user terminal devices 30, the property information database DB 1, the life plan database DB 2, and the loan product database DB 3 via the communication network N.

The loan calculation device 20 receives the attribute information of the user from the property search device 10, calculates the borrowable amount and the applicable interest rate of the user based on the attribute information, and returns it to the property search device 10. Attribute information means general information handled by financial institutions for loan screening, such as user age, place of employment, years of service, annual income, family structure, and applicable interest rate. The loan calculation device 20 may be a device separate from the property search device 10, but may be integrated with the property search device 10. Further, the loan calculation device 20 may be any as long as it calculates information for specifying the borrowable amount and the applicable interest rate of the user, and does not necessarily have to calculate the borrowable amount and the applicable interest rate itself.

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

The property information database DB1 stores information on for-sale properties that can be purchased or reserved for purchase, and information on rental properties that can be rented or reserved for rent. The information on the for-sale property stored in the property information database DB1 includes at least information on the price of the property and the attributes of the property, and the information on the rental property includes at least information on the rent and the attributes of the property. Here, the information regarding the attributes of the property includes at least one of information regarding the type of the property, information regarding the age of the property, information regarding the location, and information regarding the guarantee of the property value. The property value guarantee information may be information given by the manager of the property search device 10, and may be information indicating that the collateral value is guaranteed for the property. The property information stored in the property information database DB 1 may be added in a timely manner according to the registration of the property information, or may be deleted in a timely manner according to the conclusion of a sales contract or a lease contract.

The life plan database DB 2 accepts the registration of the life plan from the user terminal device 30, and stores the life plan of the user together with the information for identifying the user. Here, the life plan is a future design of the user, and includes a schedule of income and expenditure of the user. The life plan may include, for example, changes in annual income assumed by the user, changes in educational expenses for children, and the like.

The loan product database DB3 stores information about currently available loan products. The loan product database DB3 may store the conditions of a loan that can be used by an individual for the purchase of a house, etc., and may store the conditions for receiving a new loan and the conditions for refinancing the loan. .. Further, although the items to be focused on for the attribute information may differ depending on the financial institution, the coefficient can be set in the loan product database DB 3 according to the degree of attention. That is, when a coefficient corresponding to an item of attribute information is prepared for each loan product and a loan product is proposed to a user, a financial institution or a financial product with good loan conditions determined by analyzing the attribute information is preferentially proposed. be able to.

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

The attribute information acquisition unit 11 acquires the user's attribute information from the user terminal device 30. Here, the user's attribute information may include the user's age, annual income, occupation type, employment type, work attribute, years of service, marital status, number of dependents, and amount of debt. The employment form may include information on the position at the place of employment and information on the type of employment contract. As for the attributes of the place of employment, whether the place of employment is a government office, a company listed on the First Section of the Tokyo Stock Exchange, or whether the number of employees is unlisted and exceeds the specified number. It may include information such as whether it is privately run.

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

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

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

Depending on the user's choice, the search unit 14 provides information on properties that can be purchased within the range of borrowable amount and information on properties that can be rented within the range of monthly repayment amount, including expenses related to property maintenance. You may search. Here, the cost related to the maintenance of the property may include the management cost for managing the property and the repair reserve cost for repair. The search unit 14 may search for for-sale properties and rental properties whose monthly payment amount including expenses related to property maintenance is less than or equal to the monthly repayment amount. In addition, the monthly repayment amount may be calculated based on the total amount of the cost related to the maintenance of the property subtracted from the borrowable amount, and the property for sale or the property for rent may be searched. As a matter of course, the search unit 14 may perform a narrow-down search for for-sale properties and rental properties based on other narrow-down conditions received from the user.

The first amendment unit 15 amends the borrowable amount and the monthly repayment amount based on the life plan including the user's income and expenditure schedule. The first correction unit 15 receives information for identifying a user from the user terminal device 30, searches whether the life plan for the user is stored in the life plan database DB 2, and when the life plan is stored. In addition, based on the life plan, the borrowable amount and monthly repayment amount of the user are revised. For example, if the user has a plan to earn a large amount of income, the first amendment unit 15 may increase the borrowable amount and the monthly repayment amount according to the amount of income. Further, for example, when the user plans to spend education expenses and the like, the first amendment unit 15 may reduce the borrowable amount and the monthly repayment amount according to the amount of expenditure.

The second correction unit 16 corrects at least one of the borrowable amount and the borrowing interest rate based on the information about the loan product stored in the loan product database DB3. The second correction unit 16 searches the loan product database DB3 based on the attribute information of the user, identifies the loan conditions currently available to the user, and at least one of the borrowable amount and the borrowing interest rate based on the loan conditions. May be corrected. The second correction unit 16 may calculate the borrowable amount and the borrowing interest rate of the user by a logic different from that of the calculation unit 13.

The third correction unit 17 corrects at least one of the borrowable amount and the borrowing interest rate based on the information regarding the attributes of the property. The third correction unit 17 determines at least one of the borrowable amount and the borrowing interest rate based on the information on the property attributes of the property for sale selected by the user among the information on the property for sale searched by the search unit 14. You may fix it. Since the borrowable amount and the borrowing interest rate fluctuate according to the collateral value of the property, the third revision unit 17 estimates the collateral value of the property for sale from the information on the attributes of the property and corrects the borrowable amount and the borrowing interest rate. do.

FIG. 3 is a diagram showing a first screen DP1 generated by the property search device 10 according to the embodiment of the present invention and displayed on the user terminal device 30. The first screen DP1 is a screen displayed for receiving input of user attribute information from the user terminal device 30. The figure shows a state after receiving the input of the user's attribute information from the user terminal device 30.

The first screen DP1 includes the attribute information D1 and the send button B1. Attribute information D1 is, in the order of display, "age", "annual income", "occupation", "employment form", "workplace", "years of service", "marriage", "dependents" and Includes "Debt" item. The user inputs these items by the user terminal device 30, and if there is no error in the information, presses the send button B1 and requests to calculate the borrowable amount and the borrowing interest rate based on the input attribute information. do.

In the case of this example, the item of "age" of the attribute information D1 is "A years old", the item of "annual income" is "X yen", the item of "occupation" is "B", and "employment form". The item "Permanent employee" is "Permanent employee", the item "Work" is "Listed on the First Section of the Tokyo Stock Exchange", the item "Year of service" is "Y year", and the item "Marriage" is "Married". Yes, the item for "dependents" is "two people" and the item for "debt" is "0 yen". Here, A, X, and Y represent a number input by the user, and B represents a job type input by the user. The items shown in the figure are examples, and all or part of these items may be required input items or arbitrary input items. Further, as the attribute information of the user, input of items other than the items exemplified here may be accepted.

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

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

In the case of this example, the item of "borrowable amount" in the borrowing information D2 is "40 million yen", and the item of "borrowing interest rate" is "variable: 0.75%" and "fixed for 5 years: 0.9". % ”,“ 10-year fixed: 1% ”,“ 20-year fixed: 1.35% ”and“ 35-year fixed: 1.475% ”are included. The items and numerical values shown in the figure are examples, and the borrowable amount and the borrowing interest rate may be numerical values that fluctuate according to market conditions.

In the case of this example, the item of "down payment" in the repayment condition D3 is "0 yen", the item of "bonus repayment" is "none", the item of "interest rate" is "fixed for 35 years", and " The item of "repayment method" is "equal payment of principal and interest". The user can input an arbitrary numerical value or condition for each item included in the repayment condition D3 by the user terminal device 30. For example, for the item of "interest rate", one of the five sub-items shown in the item of "borrowing interest rate" of the borrowing information D2 can be selected, and for the item of "repayment method", the principal and interest are equal. You can choose to pay the principal evenly instead of paying.

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

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

The first search result D6 and the second search result D7 include the items of "transportation", "location", "structure / number of floors" and "age". These items are general information about the property. Further, the first search result D6 includes the items of "floor", "price" and "monthly payment amount", and the second search result D7 includes the items of "floor", "rent" and "administrative fee". include. These items are information about the room to buy or rent.

In the case of this example, the item of "Transportation" in the first search result D6 is "3 minutes on foot from C station", the item of "Location" is "Tokyo", and the item of "Structure / Floor" is "RC". It is "/ 28 stories", and the item of "age" is "1 year old". In addition, the item of "floor" in the first search result D6 is "third floor", the item of "price" is "38.9 million yen", and the item of "monthly payment amount" is "115,000 yen". Is. The first search result D6 is the result of the search including the management fee and the like, and the "monthly payment amount" includes the cost related to the maintenance of the property. Further, although only limited items are illustrated in the figure, the search result of the property for sale may include items other than these, and more detailed items are shown when the first detailed browsing button B6 is pressed. You may. For example, information on the floor plan of the property or a photograph of the inside may be displayed.

In the case of this example, the item of "Transportation" in the second search result D7 is "4 minutes on foot from C station", the item of "Location" is "Tokyo", and the item of "Structure / Floor" is "RC". It is "/ 8 stories", and the item of "age" is "2 years old". In addition, the item of "floor" in the second search result D7 is "fifth floor", the item of "rent" is "110,000 yen", and the item of "administrative expenses, etc." is "10,000 yen". .. The second search result D7 is the result of the search including the management fee, etc., and the property whose total amount of "rent" and "management fee, etc." is less than or equal to the monthly repayment amount is extracted as the search result. ing. Although only a limited number of items are illustrated in the figure, the search result of the rental property may include items other than these, or the detailed items may be shown when the second detailed browsing button B7 is pressed. good. For example, information on the floor plan of the property or a photograph of the inside may be displayed.

As described above, according to the property search device 10 according to the present embodiment, the monthly repayment amount is calculated based on the borrowable amount and the borrowing interest rate reflecting the attribute information of the user, and the purchase is made within the range of the borrowable amount. Possible properties for sale and rental properties that can be rented within the range of monthly repayment amount are searched. Therefore, it is possible to easily compare the property for sale and the property for rent under the conditions according to the attributes of the user.

In addition, by searching for for-sale properties and rental properties including expenses related to property maintenance, it is possible to compare for-sale properties and rental properties in terms of total monthly payments, based on a more accurate outlook for spending. You can compare the property for sale and the property for rent.

FIG. 6 is a flowchart showing a first process executed by the property search device 10 according to the embodiment of the present invention. The first process is a process of receiving attribute information from the user and calculating the monthly repayment amount based on the borrowable amount and the borrowing interest rate according to the user.

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

Next, the property search device 10 transmits the received attribute information to the loan calculation device 20, and acquires the borrowable amount and the borrowing interest rate of the user (S12). Then, for example, as shown in FIG. 4, the acquired borrowable amount and the borrowing interest rate are displayed on the user terminal device 30 (S13). Further, the change of the repayment condition is accepted from the user terminal device 30 (S14). Here, if there is a correction regarding the input attribute information (S15: Yes), the attribute information is accepted (S11), the borrowable amount and the borrowing interest rate are acquired (S12), and the borrowable amount and the borrowing interest rate are displayed (S12). S13), acceptance of changes in repayment conditions and (S14) are performed again. On the other hand, when there is no modification of the attribute information (S15: No), the property search device 10 uses the user's monthly repayment amount based on the acquired borrowable amount and borrowing interest rate and the repayment conditions received from the user. Is calculated (S16). As a result, the first process executed by the property search device 10 is completed.

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

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

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

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

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

First, the property search device 10 determines whether or not the user's life plan is registered in the life plan database DB 2 (S31). When the life plan is registered (S31: Yes), the first correction unit 15 of the property search device 10 is the borrowable amount acquired by the acquisition unit 12 and the month calculated by the calculation unit 13 based on the life plan. Correct the winning repayment amount (S32). The search unit 14 searches for properties for sale that can be acquired at a price equal to or less than the modified borrowable amount (S33), and searches for rental properties that can be rented at a rent equal to or less than the modified monthly repayment amount (S34).

On the other hand, when the life plan is not registered (S31: No), the property search device 10 searches for a property for sale that can be acquired at a price less than the borrowable amount (S35), and can rent it at a rent less than the monthly repayment amount. Search for rental properties (S36).

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

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

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

First, the property search device 10 searches the loan product database DB 3 and determines whether or not there is a loan product that can be used by the user (S41). The property search device 10 may search the loan product database DB 3 based on, for example, the attribute information of the user. When there is a loan product available to the user (S41: Yes), the second modification unit 16 of the property search device 10 determines the borrowable amount and the borrowing interest rate acquired by the acquisition unit 12 based on the information about the loan product. Correct (S42). Here, the calculation unit 13 calculates the adjusted monthly repayment amount of the user based on the adjusted borrowable amount and the borrowing interest rate. The information on the loan product may include the loan conditions that can be used by an individual for the purchase of a house or the like, and may include the loan amount, interest rate, usage conditions, and the like. Further, the second revision unit 16 may modify either the borrowable amount and the borrowing interest rate, or both. The search unit 14 searches for properties for sale that can be acquired at a price equal to or less than the modified borrowable amount (S43), and searches for rental properties that can be rented at a rent equal to or less than the modified monthly repayment amount (S34).

On the other hand, when there is no loan product available to the user (S41: No), the property search device 10 searches for a property for sale that can be acquired at a price equal to or less than the borrowable amount (S45), and the monthly repayment amount or less. Search for rental properties that can be rented by rent (S46).

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

According to the property search device 10 according to the present embodiment, a more accurate borrowable amount and a borrowable amount can be obtained by modifying at least one of the borrowable amount and the borrowing interest rate based on the information about the loan product available to the user. Borrowing interest rate can be calculated. Therefore, the monthly repayment amount can be calculated more accurately, and the property for sale and the property for rent that reflect the individual circumstances of the user can be searched more accurately.

The second process, the third process, and the fourth process described above can be executed independently or in combination. For example, the amount that can be borrowed and per month based on the second process, which is the process of searching for sale properties and rental properties, including the cost related to property maintenance, and the life plan that includes the user's income and expenditure schedule. After correcting the repayment amount of, it can be executed in combination with the third process of searching for the property for sale and the property for rent.

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

First, the property search device 10 accepts the selection of the search result of the property for sale from the user terminal device 30 (S51). The user browses the properties for sale that can be purchased within the range of the borrowable amount calculated according to his / her attribute information, and selects the property for sale that serves as a reference for making a more detailed comparison with the rental property. The third correction unit 17 of the property search device 10 acquires information on the property attributes of the selected property for sale from the property information database DB1 and, based on the information on the property attributes, determines the borrowable amount and the borrowing interest rate. Modify at least one (S52). Here, the information regarding the attributes of the property includes at least one of information regarding the type of the property, information regarding the age of the property, information regarding the location, and information regarding the guarantee of the property value. The third revision unit 17 raises or lowers the borrowable amount and the borrowing interest rate according to the value of the property estimated based on the information on the attributes of the property.

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

According to the property search device 10 according to the present embodiment, at least one of the borrowable amount and the borrowing interest rate is reflected so as to reflect the actual transaction situation that the borrowable amount and the borrowing interest rate may fluctuate depending on the attribute of the property. By modifying, you will be able to make a more accurate comparison between the property you want to buy and the property you want to rent.

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

The fifth process described above can be executed independently, or can be executed in combination with the second process, the third process, and the fourth process. For example, after the borrowable amount and the borrowing interest rate have been revised upward or downward by the fifth process, the second process of searching for rental properties including the cost related to the maintenance of the property can be executed.

The embodiments described above are for facilitating the understanding of the present invention, and are not for limiting the interpretation of the present invention. Each element included in the embodiment and its arrangement, material, condition, shape, size, and the like are not limited to those exemplified, and can be appropriately changed. Further, it is possible to partially replace or combine the configurations shown in different embodiments.

10 ... Property search device, 11 ... Attribute information acquisition unit, 12 ... Acquisition unit, 13 ... Calculation unit, 14 ... Search unit, 15 ... First correction unit, 16 ... Second correction unit, 17 ... Third correction unit, 20 ... Loan calculation device, 30 ... User terminal device, B1 ... Send button, B2 ... Management fee selection button, B3 ... Search button, B4 ... Correction button, B5 ... Research button, B6 ... 1st detail browsing button, B7 ... No. 2 Detailed browsing button, D1 ... attribute information, D2 ... borrowing information, D3 ... repayment conditions, D4 ... monthly payment range, D5 ... price range, D6 ... first search result, D7 ... second search result, DB1 ... property information Database, DB2 ... Life plan database, DB3 ... Loan product database, DP1 ... 1st screen, DP2 ... 2nd screen, DP3 ... 3rd screen, N ... Communication network

Claims (8)

An acquisition unit that acquires the borrowable amount that the user can borrow and the borrowing interest rate applied to the user based on the attribute information of the user.
A calculation unit that calculates the monthly repayment amount of the user based on the borrowable amount and the borrowing interest rate.
A search unit that searches for information on properties that can be purchased within the range of the borrowable amount and information on properties that can be rented within the range of the monthly repayment amount.
Property search device equipped with. Depending on the user's choice, the search unit can rent information on properties that can be purchased within the range of the borrowable amount and the range of the monthly repayment amount, including expenses related to the maintenance of the property. Search for information about a property,
The property search device according to claim 1. Further provided with a first amendment that amends the borrowable amount and the monthly repayment amount based on the life plan including the user's income and expenditure schedule.
The property search device according to claim 1 or 2. Further provided with a second revision section that modifies at least one of the borrowable amount and the borrowing interest rate based on the information about the loan product.
The property search device according to any one of claims 1 to 3. It further comprises a third modification section that modifies at least one of the borrowable amount and the borrowing interest rate based on the information regarding the attributes of the property.
The property search device according to any one of claims 1 to 4. The information on the attributes of the property includes at least one of information on the type of property, information on age, information on location, and information on guaranteeing property value.
The property search device according to claim 5. A step in which the computer obtains the borrowable amount that the user can borrow and the borrowing interest rate applied to the user based on the attribute information of the user.
A step in which the computer calculates the monthly repayment amount of the user based on the borrowable amount and the borrowing interest rate.
And a step wherein the computer is, to find information about renting available properties in a range of repayment amount per information and the month of possible property purchase in the range of the available borrowings,
Property search method including.

The computer installed in the property search device,
An acquisition unit that acquires the borrowable amount that the user can borrow and the borrowing interest rate applied to the user based on the attribute information of the user.
A second calculation unit that calculates the monthly repayment amount of the user based on the borrowable amount and the borrowing interest rate, and information on properties that can be purchased within the borrowable amount and the monthly repayment amount. Search department to search for information about properties that can be rented within the range,
A property search program that functions as.

Images