JP7128378B1 - A computer system, and a program running on the computer system, to enable the formation of property with the payment of rent - Google Patents

Abstract

Kind Code: A1 A computer system is provided for enabling the formation of assets along with the payment of rent. A computer system of the present invention determines the rent due by a lessee of a rental property based on the cost of a mortgage to purchase a newly built property having a living quality substantially equal to the living quality of the rental property. means for accumulating at least a portion of the rent as a valuable substitute; and means for presenting the lessee with a plurality of options related to the rental property, the plurality of options being to purchase the rental property. means comprising at least a first option, wherein at least a portion of the accumulated valuable alternatives can be applied to the purchase cost of the rental property if the lessee selects the first option; , means for receiving an input to select one of a plurality of options, and means for performing processing responsive to the selected option based on the input. [Selection drawing] Fig. 1

Description

The present invention relates to a computer system and a program running on the computer system for enabling the formation of assets with the payment of rent.

A housing loan is conventionally known (see, for example, Non-Patent Document 1).

NTT Resonant Co., Ltd., “What is a housing loan?”, [online], [searched on April 7, 2020], Internet <URL: https://house.goo.ne.jp/useful/ guide/loan/knowledge/borrowing001.html>

Since a mortgage is a debt, even if you continue to pay the mortgage, you cannot create assets.

SUMMARY OF THE INVENTION An object of the present invention is to provide a computer system and a program executed in the computer system for enabling asset formation along with rent payment.

In one aspect of the present invention, the computer system of the present invention is a computer system for enabling the formation of assets together with the payment of rent, and the computer system enables the rent to be paid by the lessee of the rental property to be paid by the lessee of the rental property. means for calculating based on the cost of a mortgage to purchase a newly built property having a living quality substantially equal to the living quality of the property; and means for accumulating at least a portion of said rent as a valuable substitute; Means for presenting a plurality of options related to the rental property to the lessee, wherein the plurality of options includes at least a first option of purchasing the rental property, and the lessee selects the first option. Selecting means, wherein, if selected, at least a portion of the accumulated valuable alternatives can be applied to the purchase cost of the rental property; and selecting one of the plurality of options. Means for receiving an input and means for performing an action responsive to the selected option based on the input.

In one embodiment of the present invention, the rental property is a renovated second-hand property, and the means for calculating the rent is a newly built property with a price calculated by A×B×C purchased with a mortgage. The rent is calculated based on the monthly payment amount of the case, A is the market cost for purchasing the second-hand property, B is the coefficient associated with the renovation of the second-hand property, and C is the new construction It may be a conversion coefficient.

In one embodiment of the present invention, if the input indicates selection of the first option, the computer system calculates the purchase cost of the rental property and the accumulated cost of the valuable alternatives converted to money. Further comprising means for presenting the difference between the rented property to the lessee, wherein the means for executing the processing according to the selected option terminates the lease contract of the rental property and switches the rental property to a sold property. may include means for performing

An embodiment of the present invention may further comprise means for executing a process for allocating at least a portion of the accumulated valuable alternatives to the purchase cost of the rental property.

In one embodiment of the present invention, the plurality of options further includes a second option of relocating to a rental property different from the rental property, and when the lessee selects the second option, At least a portion of the accumulated valuable substitutes may be able to be applied to expenses incurred due to the lease of the another rental property.

In one embodiment of the present invention, the computer system, when the input indicates selection of the second option, determines whether the costs incurred due to the lease agreement of the another rental property and the accumulated value Further comprising means for presenting the difference between the cost of the substitute item and the cost converted into a monetary amount to the lessee, and the means for executing processing according to the selected option terminates the lease contract of the rental property, Means may be included for generating data relating to a lease for another rental property.

In one embodiment of the present invention, there is further provided means for executing processing for allocating at least a portion of the accumulated valuable alternatives to expenses incurred due to the lease contract of the another rental property. may be

In one aspect of the present invention, the program of the present invention is a program executed in a computer system for enabling asset formation with payment of rent, the computer system comprising a processor unit, the program comprising: , when executed by said processor unit, determining the rent due by a lessee of a rental property based on the cost of a mortgage to purchase a new construction property having a living quality substantially equal to the living quality of said rental property; accumulating at least a portion of said rent as a valuable substitute; and presenting said tenant with a plurality of options relating to said rental property, said plurality of options being said rental property. At least a first option of purchasing a property is included, and if the lessee selects the first option, at least a portion of the accumulated valuable substitute is applied to the purchase cost of the rental property. receiving an input to select one of the plurality of options; and performing processing according to the selected option based on the input. At least cause the processor unit to execute.

In one aspect of the present invention, the computer system of the present invention is a computer system for enabling the formation of assets together with the payment of rent, and the computer system includes at least a portion of the rent paid by the lessee of the rental property. as a valuable substitute; and means for presenting the tenant with a plurality of options related to the rental property, the plurality of options including at least a first option of purchasing the rental property. , if the lessee selects the first option, at least a portion of the accumulated valuable alternatives can be applied to the purchase cost of the rental property; and the plurality of and means for, based on said input, performing a process responsive to said selected option.

In one embodiment of the present invention, if the input indicates selection of the first option, the computer system calculates the purchase cost of the rental property and the accumulated cost of the valuable alternatives converted to money. Further comprising means for presenting the difference between the rented property to the lessee, wherein the means for executing the processing according to the selected option terminates the lease contract of the rental property and switches the rental property to a sold property. may include means for performing

An embodiment of the present invention may further comprise means for executing a process for allocating at least a portion of the accumulated valuable alternatives to the purchase cost of the rental property.

In one embodiment of the present invention, the plurality of options further includes a second option of relocating to a rental property different from the rental property, and when the lessee selects the second option, At least a portion of the accumulated valuable substitutes may be able to be applied to expenses incurred due to the lease of the another rental property.

In one embodiment of the present invention, the computer system, when the input indicates selection of the second option, determines whether the costs incurred due to the lease agreement of the another rental property and the accumulated value Further comprising means for presenting the difference between the cost of the substitute item and the cost converted into a monetary amount to the lessee, and the means for executing processing according to the selected option terminates the lease contract of the rental property, Means may be included for generating data relating to a lease for another rental property.

In one embodiment of the present invention, there is further provided means for executing processing for allocating at least a portion of the accumulated valuable alternatives to expenses incurred due to the lease contract of the another rental property. may be

In one embodiment of the present invention, the plurality of options further includes a third option of completely terminating the lease of the rental property, and if the lessee selects the third option, It may be possible for at least a portion of the accumulated valuable alternatives to be cashed.

In one embodiment of the present invention, the computer system provides the borrower with a monetary cost of at least a portion of the accumulated valuable substitute when the input indicates selection of the third option. The method may further comprise means for performing an action to pay, wherein the means for performing an action responsive to the selected option may include means for terminating a lease of the rental property.

In one embodiment of the present invention, the computer system calculates the rent based on the cost of a mortgage for purchasing a newly built property having a living quality substantially equal to the living quality of the rental property. It may further comprise means.

In one embodiment of the present invention, the rental property is a renovated second-hand property, and the means for calculating the rent is a newly built property with a price calculated by A×B×C purchased with a mortgage. The rent is calculated based on the monthly payment amount of the case, A is the market cost for purchasing the second-hand property, B is the coefficient associated with the renovation of the second-hand property, and C is the new construction It may be a conversion coefficient.

In one aspect of the present invention, the program of the present invention is a program executed in a computer system for enabling asset formation with payment of rent, the computer system comprising a processor unit, the program comprising: , when executed by the processor unit, accumulating at least a portion of rent paid by a tenant of a rental property as a valuable substitute; and presenting the tenant with a plurality of options related to the rental property. , the plurality of options includes at least a first option of purchasing the rental property, and if the lessee selects the first option, at least a portion of the accumulated valuable substitute is , can be applied to purchase costs of the rental property; receiving input to select one of the plurality of options; and based on the input, selecting the selected option. and causing the processor unit to at least execute a process according to the above.

ADVANTAGE OF THE INVENTION According to this invention, it is possible to provide the computer system and the program run in the computer system for enabling formation of property with the payment of rent.

Schematic diagram of a new mechanism that allows you to "form assets while paying rent" A diagram showing an example of the configuration of a system 200 for realizing a new mechanism that allows "building assets while paying rent" A diagram showing an example of the configuration of information stored in the property database unit 241 A diagram showing an example of the configuration of information stored in the user database unit 242 FIG. 4 shows an example of a flow executed in computer system 210. FIG.

The terms used in this specification are defined below.

As used herein, the term "leased property" refers to a property rented by a lessee based on a lease agreement.

As used herein, "rent" refers to what the lessee of a rental property must pay to continue living in the rental property.

As used herein, "purchased property" refers to a property purchased by a purchaser based on a purchase contract. For example, if a rental property is purchased, the purchaser may be the lessee of the rental property.

As used herein, the term "living quality" of a property refers to the quality of services that the property can provide to residents residing there. The “living quality” of a property is not simply determined by the physical structure of the property (e.g. floor plan, total floor area, land area, building age, etc.), It represents the degree of comfort, how comfortable it is to live in. The "living quality" of a property includes, for example, the degree of insulation effect of the property, the degree of ventilation of the property, the degree of sunlight of the property, the degree of possibility of changing the floor plan of the property, and the location of the property. It includes the degree of convenience of transportation, the degree of convenience of shopping, the degree of convenience of commuting to school, and the degree of enhancement of the network environment of the property. For example, if the insulation efficiency of a new building with the latest physical structure is equal to the insulation efficiency of a pre-owned building with an old physical structure after renovation and adding insulation to the walls and ceilings. , the adiabatic effects of both are evaluated to be equal. The "living quality" of the property includes, for example, the degree of ventilation of the property, the degree of sunshine of the property, the degree of changeability of the floor plan of the property, the degree of convenience of transportation and convenience of shopping based on the location of the property. The degree of flexibility, the degree of convenience for commuting to school, the degree of enhancement of the network environment of the property, etc. are evaluated comprehensively by evaluating each according to predetermined criteria. Comprehensive evaluation results are represented by points. Two properties are said to have substantially equal "occupancy quality" if the overall evaluation of the "occupancy quality" of the two properties is substantially equal. Here, "substantially" equal means that the difference in points representing comprehensive evaluation is within 10%.

As used herein, the term "asset" refers to property that has economic value. "Assets" may be tangible assets or intangible assets.

As used herein, the term "valuable substitute" refers to money or anything equivalent to or redeemable for money. Examples of "valuable alternatives" include, but are not limited to, legal currency, virtual currency, points, coupons, discount coupons, and the like.

In this specification, the "new conversion coefficient" is a coefficient that indicates the ratio of the purchase cost of a new property to the purchase cost of a second-hand property or a second-hand property after renovation, in order to consider a second-hand property or a second-hand property after renovation as a new property. Say.

BEST MODE FOR CARRYING OUT THE INVENTION Hereinafter, embodiments of the present invention will be described with reference to the drawings.

1. Provision of a new mechanism that allows “building assets while paying rent” The applicant proposes a new mechanism that allows “building assets while paying rent”. This new system is intended to enable the building of assets simply by continuing to live in a rental property by saving at least part of the rent paid by the lessee as a valuable substitute (for example, points). be.

Figure 1 is a schematic diagram of a new mechanism that allows "building assets while paying rent". According to the new mechanism that allows "building assets while paying rent", the management company of rental property A accumulates and manages at least a portion of the rent paid by the lessee as a valuable substitute, and manages it at a predetermined timing. (e.g., periodically (e.g., on a semi-annual basis, once a year), at the renewal of the tenant's lease) or at random times. presented to The lessee can select, for example, the option of purchasing rental property A from among the multiple options. In this case, the lessee can purchase rental property A based on the purchase contract and make it a purchased property by paying the difference between the costs necessary to purchase rental property A and the accumulated valuable substitutes. be. Alternatively, the tenant can choose to move to another rental property B managed by the management company. In this case, the lessee can move to rental property B by paying the difference between the costs incurred due to the lease contract for rental property B and the accumulated valuable substitutes. Alternatively, the lessee may select the option of terminating the lease for rental property A. In this case, the borrower may receive an amount equal to at least a portion of the valued alternative accumulated.

In this way, with the new system that allows you to "build assets while paying rent," it is possible to accumulate valuable alternatives by paying rent, so the lessee can continue to live in the rental property. It is possible to decide to purchase the rental property, and at the time of purchase of the rental property, the accumulated valuable substitutes can be applied to the purchase cost of the rental property. Also, since the valued alternative that is accumulated is the property of the lessee who paid the rent, the lessee may terminate the lease even when terminating the lease (e.g., terminating the lease and (even when entering into a lease agreement with a rental property), it is possible to receive at least a portion of the accumulated value substitute in cash.

Since a conventional mortgage is a debt, it is necessary to come up with cash to repay the loan, which leads to a reduction in assets and forced endurance by the family. The applicant believed that family safety, security, and health were necessary for a happy life, and that appropriate housing that did not depend on mortgages was necessary for that purpose. Therefore, the new concept of "residence = asset building" brought about by the above-mentioned new system will revolutionize the way housing has been and value, and will make people feel uneasy and uncomfortable about debts such as mortgages. It can be a breakthrough for users who embrace it.

2. System configuration for realizing a new mechanism that allows "building assets while paying rent" Fig. 2 shows a system 200 for realizing a new mechanism that allows "building assets while paying rent" shows an example of the configuration of

In the embodiment shown in FIG. 2, the system 200 includes a computer system 210 operated and managed by a management company that manages a plurality of rental properties, and a plurality of user devices 220 ₁ to 220 operated by tenants of the rental properties. 220 _N. Computer system 210 is configured to be able to communicate with each of a plurality of user devices 220 ₁ to 220 _N via Internet 230 . Here, N is an integer of 1 or more.

The computer system 210 is an information processing system that executes processing for a management company that manages multiple rental properties. In the embodiment shown in FIG. 2, computer system 210 includes interface section 211 , processor section 212 including one or more CPUs (Central Processing Units), and memory section 213 . The hardware configuration of the computer system 210 is not particularly limited as long as it can implement its functions, and may be configured with a single machine or a combination of multiple machines.

The interface unit 211 controls communication with each of the plurality of user devices 220 ₁ to 220 _N.

The memory unit 213 stores programs required for executing processes, data required for executing the programs, and the like. Here, it does not matter how the program is stored in the memory unit 213 . For example, the program may be pre-installed in memory unit 213 . Alternatively, the program may be installed in the memory unit 213 by being downloaded via a network such as the Internet 340, or installed in the memory unit 213 via a storage medium such as an optical disc or USB. You may do so.

The processor unit 212 controls the operation of the computer system 210 as a whole. The processor unit 212 reads a program stored in the memory unit 213 and executes the program. Thereby, the computer system 210 can function as a device for executing desired steps, and the processor unit 212 of the computer system 210 can operate as means for achieving desired functions.

Computer system 210 is connected to database unit 240 . Database section 260 includes property database section 241 and user database section 242 .

Each of user devices 220 ₁ - 220 _N is configured to be able to communicate with computer system 210 via Internet 230 . User device 2201 is configured, for example, to perform _a process for a lessee of a rental property managed by a management company. For example, each of the user devices 220 ₁ to 220 _N may be a mobile wireless terminal such as a mobile phone, a smart phone, a tablet terminal, smart glasses (glasses-type wearable device), a smart watch terminal, a desktop PC, or a laptop. A personal computer such as a PC or a notebook PC may be used.

Although the embodiment shown in FIG. 2 describes that each of the plurality of user devices 220 ₁ to 220 _N can communicate with the computer system 210 via the Internet 230, the present invention is not limited to this. Any type of network could be used in place of the Internet 230 . It is also within the scope of the present invention to have each of user devices 220 ₁ -220 _N electrically coupled to computer system 210 without going through Internet 230 or any network in its place. Furthermore, a system (that is, a stand-alone system) that integrates both the functions of the user devices 220 ₁ to 220 _N and the functions of the computer system 210 may be constructed as the computer system 210 . Such stand-alone computer systems 210 are also within the scope of the present invention.

Moreover, in the embodiment shown in FIG. 2, the database unit 240 is provided outside the computer system 210, but the present invention is not limited to this. It is also possible to provide database portion 240 within computer system 210 . The configuration of database unit 240 is not limited to a specific hardware configuration. For example, the database unit 240 may be configured with a single hardware component, or may be configured with a plurality of hardware components. For example, the database unit 240 may be configured as a single external hard disk device of the computer system 210, or may be configured as cloud storage connected via a network. Furthermore, the configuration of each database unit included in database unit 240 is also not limited to a specific hardware configuration. For example, each database unit included in the database unit 240 may also be configured with a single hardware component, or may be configured with a plurality of hardware components.

FIG. 3A shows an example of the configuration of information stored in the property database unit 241. As shown in FIG.

The property database unit 241 stores information on properties managed by the management company. In the embodiment shown in FIG. 3A, the information about the property can be identified by information for identifying the property (property ID). The information about the property includes the property name, address, floor plan, peripheral information, renovation history, quality of residence, and the like. If the property is a rental property, the information about the property may further include the rent and a rental identifier indicating that the property is a rental property. Further, when the property is a purchased property, the information regarding the property may further include a purchase identifier indicating that the property is a purchased property.

FIG. 3B shows an example of the configuration of information stored in the user database unit 242. As shown in FIG.

The user database unit 242 stores information about users. In the embodiment shown in FIG. 3B, the information about the user can be identified by information for identifying the user (user ID). Information about the user includes the user's name, gender, date of birth, telephone number, e-mail address, information for identifying the property where the user lives (property ID), details of the contract concluded by the user ( For example, if the property identified by the property ID is a rental property, the content of the lease contract, if the property identified by the property ID is a purchase property, the content of the purchase contract), information indicating the contract renewal time and so on. If the user is a lessee who rents a rental property based on a lease agreement, the information about the user includes the payment history of rent paid by the user, information indicating accumulated valuable substitutes (for example, points), etc. further includes

4. Computer System Processing FIG. 4 shows an example of the flow performed in the computer system 210 . Each step shown in FIG. 4 is executed by the processor unit 211 of the computer system 210, for example. Each step shown in FIG. 4 will be described below.

Step S401: The rent to be paid by the lessee of the rental property is calculated. The rent is calculated, for example, based on the monthly payment amount that would be payable if a new property with a living quality substantially equal to the living quality of the rental property was purchased with a mortgage. The rent may be the same amount as the monthly payment amount, may be an amount added to the monthly payment amount, or may be an amount discounted from the monthly payment amount.

For example, if the rental property is a renovated second-hand property, the rent will be based on the monthly payment amount when purchasing a new property with a price calculated by A x B x C with a mortgage loan. where A is the market cost of purchasing the second-hand property, and B is a coefficient associated with refurbishment of the second-hand property (e.g., a coefficient indicating the percentage increase in value of the property due to the refurbishment). ), and C is the conversion coefficient for new construction. That is, A×B is the price of a used property after renovation, and A×B×C is the price of a new property that has a living quality substantially equal to that of the used property after renovation. The market price for purchasing a second-hand property can be determined according to the land and/or the surrounding environment of the second-hand property, and information indicating the market price for purchasing a second-hand property is stored in the database unit 240. can be

Step S402: It is determined whether the rent has been paid by the tenant. If the determination result is "Yes", the process proceeds to step S403, and if the determination result is "No", the process proceeds to step S404.

Step S403: At least part of the rent paid is accumulated as a valuable substitute (e.g., points), thereby forming an asset. Information indicating valuable alternatives accumulated by paying rent is stored in the user database unit 242, for example. Information indicative of valuable alternatives accumulated by rent payments is stored in user database unit 242, for example, in association with the user ID received from the tenant's user device together with information indicative of the rent payments of the tenant. good too. The amount equivalent to the valuable substitute accumulated through rent payments may, for example, be an amount that varies with the rent paid, or a fixed amount that does not vary with the rent paid. good too.

Step S404: A process is executed to prompt the tenant to pay the rent unpaid. This process includes, for example, causing the tenant's user device to present an alert related to non-payment of rent.

Step S405: It is determined whether or not it is time to renew the lease contract of the lessee. This process can be executed with reference to the user database unit 242, for example. If the determination result is "Yes", the process proceeds to step S403, and if the determination result is "No", the process proceeds to step S404.

In the embodiment shown in FIG. 4, an example was explained in which it is determined whether or not it is time to renew the lease agreement of the lessee after confirming the payment of the rent from the lessee in step 401. is not limited to Determining whether the tenant's lease is due for renewal may be performed before or without confirming payment of rent from the tenant.

Step S406: Cause the lessee's user device to present the lessee with a plurality of options related to the lessee's rental property. The multiple options are, for example, the first option to purchase a rental property, the second option to move to a rental property different from the tenant's current rental property, and the second option to completely terminate the lease contract for the rental property. This includes, but is not limited to, option 3, option 4, which is to continue the lease agreement for the rental property, and the like.

It should be noted that in the embodiment shown in FIG. 4, an example was described in which a plurality of options related to the lessee's leased property are presented to the lessee in response to the fact that it is time to renew the lessee's lease contract. The invention is not so limited. The multiple options related to the lessee's rental property are not limited to when the lessee's lease contract is renewed, but at a predetermined timing (e.g., periodically (e.g., once every six months, once a year) may be presented to the Borrower at a pace)) or at random times. Alternatively, the options related to the tenant's rental property are provided in response to computer system 210 receiving, via the user device, a request from the tenant desiring to present multiple options related to the tenant's rental property. , may be presented to the Borrower.

Step S407: User input is received selecting one of the multiple options presented in step S406. The user input may have been sent from, for example, the borrower's user device.

Step S408: Processing is performed according to the option selected by the borrower. This process is performed based on the user input received in step S407.

If the user input indicates selection of the first option of purchasing a rental property, then computer system 210 (in particular, processor portion 211 of computer system 210) calculates the cost of purchasing the rental property and the accumulated valuable alternatives. causes the user device of the borrower to present the difference between the cost converted to the amount of For example, in the property database unit 241), a process of switching a rental property to a sold property (that is, a purchased property) is executed. Computer system 210 also performs processing for applying at least a portion of the accumulated valuable substitutes to the purchase cost of the rental property.

If the user input indicates selection of the second option of relocating to a rental property other than the tenant's current rental property, computer system 210 (in particular, processor portion 211 of computer system 210) selects another rental property. causing the user device of the borrower to present to the borrower the difference between the cost incurred due to the lease contract of the property and the cost converted into monetary value of the accumulated valuable alternatives (for example, the user database unit 242) performs a process to terminate the tenant's current lease, and retrieves (eg, at property database 241) data relating to the lease for another rental property (eg, at property database 241 as shown in FIG. 3A). information about another rental property to be stored in the . In addition, computer system 210 further executes processing for appropriating expenses incurred due to a lease contract for another rental property.

If the user input indicates selection of the third option of fully terminating the lease of the rental property, then computer system 210 (in particular, processor portion 211 of computer system 210) will process the accumulated valuable substitutes. Execute processing to pay the borrower at least a portion of the costs converted into monetary amounts (for example, processing to transfer at least a portion of the accumulated valuable substitutes into monetary amounts to the borrower's account), For example, in the user database unit 242), a process of terminating the lease of the lessee's current rental property is executed.

If the user input indicates selection of the fourth option to continue the lease agreement for the rental property, computer system 210 (particularly, processor unit 211 of computer system 210) (e.g., in user database unit 242 ) Execute the process of postponing the renewal of the lease contract of the lessee's rental property.

In the embodiment shown in FIG. 4, an example was explained in which the processing of each step shown in FIG. 4 was realized by the processor unit executing the program stored in the memory unit. is not limited to At least part of the processing of each step shown in FIG. 4 may be implemented by a hardware configuration such as a control circuit.

Although the present invention has been illustrated using the preferred embodiment of the invention as described above, the invention should not be construed as being limited to this embodiment. It is understood that the invention is to be construed in scope only by the claims. It is understood that a person skilled in the art can implement an equivalent range from the description of specific preferred embodiments of the present invention based on the description of the present invention and common technical knowledge.

INDUSTRIAL APPLICABILITY The present invention is useful in providing a computer system and a program or the like executed in the computer system for enabling the formation of assets along with the payment of rent.

210 computer system 220 ₁ to 220 _N user devices 230 Internet 240 database unit

Claims (19)

A computer system for enabling asset formation along with rent payment,
Means for calculating the rent to be paid by the lessee of the rental property based on the cost of a loan for purchasing a newly built property having a living quality substantially equal to the living quality of the rental property;
means for accumulating at least a portion of said rent as a valuable substitute;
Means for presenting a plurality of options related to the rental property to the lessee, wherein the plurality of options includes at least a first option of purchasing the rental property, and the lessee selects the first option. means, if selected, that at least a portion of the accumulated valuable alternatives can be applied to the purchase cost of the rental property;
means for receiving input to select one of the plurality of options;
and means for executing processing according to the selected option based on the input. The rental property is a renovated second-hand property,
The means for calculating the rent calculates the rent based on the monthly payment amount when purchasing a new property with a price calculated by A × B × C with a mortgage,
2. The computer system of claim 1, wherein A is the market cost associated with purchasing the second-hand property, B is a coefficient associated with renovation of the second-hand property, and C is a conversion coefficient for new construction. The computer system, when the input indicates selection of the first option, presents the lessee with the difference between the purchase cost of the rental property and the monetary equivalent of the accumulated valuable alternatives. further comprising the means to
Claim 1 or Claim 2, wherein the means for executing a process according to the selected option includes means for executing a process of terminating the lease contract of the rental property and switching the rental property to a sold property. The described computer system. 4. The computer system of claim 3, further comprising means for executing a process to apply at least a portion of the accumulated valuable alternatives to purchase of the rental property. The plurality of options further includes a second option of relocating to a rental property different from the rental property,
If the lessee selects the second option, at least a portion of the accumulated valuable substitute can be applied to expenses incurred due to the lease contract of the another rental property. 2. The computer system of claim 1 , wherein: When the input indicates the selection of the second option, the computer system converts the costs incurred due to the lease contract of the another rental property and the accumulated costs converted into money to the value substitutes. further comprising means for presenting to said borrower the difference between
6. The computer system according to claim 5, wherein the means for executing a process according to the selected option includes means for terminating the lease agreement of the rental property and generating data relating to the lease agreement of the another rental property. . 7. The computer system according to claim 6, further comprising means for executing a process for allocating at least a portion of the accumulated valuable alternatives to expenses incurred due to the lease agreement of the another rental property. . A program running on a computer system for enabling property formation with rent payment, said computer system comprising a processor unit,
When the program is executed by the processor unit,
Calculating the rent payable by the lessee of the rental property based on the cost of a mortgage loan for purchasing a newly built property having a living quality substantially equal to the living quality of the rental property;
accumulating at least a portion of said rent as a valuable substitute;
presenting a plurality of options related to the rental property to the lessee, the plurality of options including at least a first option of purchasing the rental property, wherein the lessee selects the first option; if selected, at least a portion of the accumulated valuable alternatives can be applied to purchase the rental property;
receiving input to select one of the plurality of options;
A program that causes the processor unit to at least execute a process corresponding to the selected option based on the input. A computer system for enabling asset formation along with rent payment,
a means of accumulating at least a portion of the rent paid by the lessee of the rental property as a valuable substitute;
Means for presenting a plurality of options related to the rental property to the lessee, wherein the plurality of options includes at least a first option of purchasing the rental property, and the lessee selects the first option. means, if selected, that at least a portion of the accumulated valuable alternatives can be applied to the purchase cost of the rental property;
means for receiving input to select one of the plurality of options;
and means for executing processing according to the selected option based on the input. The computer system, when the input indicates selection of the first option, presents the lessee with the difference between the purchase cost of the rental property and the monetary equivalent of the accumulated valuable alternatives. further comprising the means to
10. The computer system according to claim 9, wherein the means for executing processing according to the selected option includes means for executing processing for terminating the lease contract of the rental property and switching the rental property to a sold property. . 11. The computer system of claim 10, further comprising means for executing a process for applying at least a portion of said accumulated valuable substitutes to purchase of said rental property. The plurality of options further includes a second option of relocating to a rental property different from the rental property,
If the lessee selects the second option, at least a portion of the accumulated valuable substitute can be applied to expenses incurred due to the lease contract of the another rental property. 10. The computer system of claim 9, wherein: When the input indicates the selection of the second option, the computer system converts the costs incurred due to the lease contract of the another rental property and the accumulated costs converted into money to the value substitutes. further comprising means for presenting to said borrower the difference between
13. The computer system according to claim 12, wherein the means for executing processing according to the selected option includes means for terminating the lease of the rental property and generating data relating to the lease of the another rental property. . 14. The computer system according to claim 13, further comprising means for executing a process for allocating at least part of the accumulated valuable alternatives to expenses incurred due to the lease contract of the another rental property. . The plurality of options further includes a third option of completely terminating the lease of the rental property;
10. The computer system of claim 9, wherein if the borrower selects the third option, at least a portion of the accumulated valuable alternative can be cashed. The computer system, when the input indicates selection of the third option, means for executing a process for paying the borrower a monetary cost of at least a portion of the accumulated valuable alternative. further prepared,
16. The computer system according to claim 15, wherein means for executing processing according to said selected option includes means for terminating a lease agreement for said rental property. Claims 9 to 9, wherein the computer system further comprises means for calculating the rent based on the cost of a loan when purchasing a new property with a residential quality substantially equal to the residential quality of the rental property with a mortgage loan. 17. The computer system according to any one of 16. The rental property is a renovated second-hand property,
The means for calculating the rent calculates the rent based on the monthly payment amount when purchasing a new property with a price calculated by A × B × C with a mortgage,
18. The computer system of claim 17, wherein A is the market cost associated with purchasing the second-hand property, B is a factor associated with remodeling the second-hand property, and C is a conversion factor for new construction. A program running on a computer system for enabling property formation with rent payment, said computer system comprising a processor unit,
When the program is executed by the processor unit,
accumulating at least a portion of the rent paid by the lessee of the rental property as a valuable substitute;
presenting a plurality of options related to the rental property to the lessee, the plurality of options including at least a first option of purchasing the rental property, wherein the lessee selects the first option; if selected, at least a portion of the accumulated valuable alternatives can be applied to purchase the rental property;
receiving input to select one of the plurality of options;
A program that causes the processor unit to at least execute a process corresponding to the selected option based on the input.

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