Support system for housing related company

Abstract

To provide a support system for a housing related company for enabling a housing related company to know status information in a loanable amount simulation step, a preliminary review step, and a main review step and to acquire notification of provisional approval and formal approval.SOLUTION: A server executes a housing related company registration step 50, a person in charge setting step 51, client registration steps 75, 79, a client list display step 61, and a status information display step 61. In the status information display step 61, the server displays whether status information is during loadable amount simulation, whether the status information has undergone the loadable amount simulation, whether the status information is during preliminary review, whether the status information is preliminary review approval, whether the status information is preliminary review disapproval or is during main review, and whether the status information is main review approval or main review disapproval, notifies a housing related company of provisional approval by an issue request from the client, and issues notification of formal approval.SELECTED DRAWING: Figure 1

Description

[Technical field]

[0001] The present invention relates to a support system for housing-related businesses that enables customers to check the details and progress of their housing loan applications. [Background technology]

[0002] According to the mortgage borrowing support method proposed in Patent Document 1, those who wish to borrow a mortgage can know the approximate loan amount prior to the main screening and preliminary screening using less information than is required for the main screening and preliminary screening. This not only eliminates the inconvenience of not being able to obtain a mortgage after a property has been decided, but also makes it easier to search for properties by allowing them to search based on the loan amount. [Prior art documents] [Patent documents]

[0003] [Patent Document 1] Patent No. 6938122 DISCLOSURE OF THEINVENTION [Problem to be solved by the invention]

[0004] However, property searches are generally carried out through housing-related businesses, and if the housing-related businesses could check the details and progress of the customer's mortgage application and receive notices of provisional approval and official approval, they would be able to proceed with the process more quickly and accurately.

[0005] Therefore, the present invention aims to provide a support system for housing-related businesses that enables them to obtain status information in the loan amount simulation step, the pre-screening step, and the main screening step, and to receive notifications of provisional approval and official approval. [Means for solving the problem]

[0006] The support system for housing-related businesses of the present invention described in claim 1 receives, from a mortgage applicant, application information for screening including at least personal information about the applicant, including the applicant's name, date of birth, and sex; loan information including the applicant's purchase budget, the desired loan amount, repayment period, and property information; and occupational information including the applicant's place of employment, the applicant's affiliation and employment type at the employer, the job content at the employer, and the annual salary at the employer, together with certificate data necessary for the application information, and determines whether the applicant can obtain the mortgage and outputs the result of the determination. a main screening step 30 in which the applicant sends a pre-screening application information including at least the personal information, the borrowing information, and the occupational information to the applicant; a pre-screening step 20 in which, before the main screening step 30, it is determined whether the applicant can obtain the housing loan based on pre-screening application information including at least the personal information, the borrowing information, and the occupational information, and the result of the pre-screening is sent to the applicant; and, before the pre-screening step 20, it is determined whether the applicant can obtain the housing loan based on the pre-screening application information including at least the personal information, the borrowing information, and the occupational information, the date of joining the employer, a loanable amount simulation step 10 for calculating the loanable amount available for the housing loan using necessary diagnostic information including at least the employment type at the place of employment, the capital of the place of employment, the job type and position at the place of employment, and the annual salary at the place of employment, and transmitting the calculated loanable amount to the borrower; and providing status information at the loanable amount simulation step 10, the preliminary screening step 20, and the main screening step 30 to housing-related businesses that have the borrower as a customer, wherein the server performs a housing-related business registration step 50 for encouraging the housing-related business to register the housing-related business; a person in charge setting step 51 for encouraging the housing-related business registered at the housing-related business registration step 50 to set a person in charge; customer registration steps 75, 79 for registering the customers that the person in charge registered at the person in charge setting step 51 handles; and a customer list display step 61 for displaying a customer list of the customers registered at the customer registration steps 75, 79 to the person in charge.and a status information display step 61 for displaying the status information for the customer displayed in the customer list display step 61. In the status information display step 61, when the server has not yet calculated the available loan amount in the available loan amount simulation step 10, the status information is set to available loan amount simulation in progress, when the server has calculated the available loan amount in the available loan amount simulation step 10, the status information is set to available loan amount simulation completed, when the server has not performed a pre-judgment in the pre-judgment step 20, the status information is set to available pre-judgment in progress, when the server has performed a pre-judgment in the pre-judgment step 20 and the result of the pre-judgment has been approved, the status information is set to available pre-judgment approved, and However, when a pre-judgment is performed in the pre-judgment step 20 and the result of the pre-judgment is rejected, the status information is displayed as pre-judgment rejected, and when the server has not performed a judgment in the main inspection step 30, the status information is displayed as main inspection in progress, and when the server has performed a judgment in the main inspection step 30 and the judgment result is approved, the status information is displayed as main inspection approved, and when the server has performed a judgment in the main inspection step 30 and the judgment result is rejected, the status information is displayed as main inspection rejected. When the status information is in the state of pre-judgment approved, a notice of provisional approval is issued to the housing-related contractor in response to a request from the customer, and when the status information is in the state of main inspection approved, a notice of formal approval is issued to the housing-related contractor in response to a request from the customer. In the customer registration steps 75 and 79, the server embeds the contractor identification data assigned to the housing-related contractor registered in the housing-related contractor registration step 50 and the person in charge identification data assigned to the person in charge set in the person in charge setting step 51 into a two-dimensional code and transmits the two-dimensional code to the contractor terminal used by the person in charge, and the customer terminal used by the customer to be registered reads the two-dimensional code displayed on the person in charge terminal and transmits approval data to the server, whereby the server links the person in charge with the customer and processes the data. It is characterized by: Claim 2 The present invention as described herein is Claim 1In the support system for housing-related contractors described in the above, if the status information is "simulating the available loan amount" and "simulating the available loan amount has been completed," the server extracts the information required for diagnosis, and if the status information is "in progress of pre-screening," "pre-screening approved," and "pre-screening rejected," the server extracts the pre-screening application information, and if the status information is "in progress of main screening," "main screening approved," and "main screening rejected," the server extracts the screening application information and displays the extracted information required for diagnosis, the extracted pre-screening application information, and the extracted screening application information to the housing-related contractor. Claim 3 The present invention as described herein is Claim 1 In the housing-related contractor support system described above, the server receives input of the property information from the person in charge. Effect of the Invention

[0007] According to the present invention, housing-related businesses can know status information in the loan amount simulation step, the pre-screening step, and the main screening step, and can also receive notifications of provisional approval and official approval, allowing them to confidently select the property that is best suited to their customer and to carry out procedures quickly and accurately. [Brief description of the drawings]

[0008] [Figure 1] A conceptual diagram showing the flow of a housing loan screening process that is the premise of a support system for housing-related businesses according to an embodiment of the present invention. [Diagram 2] A conceptual diagram showing the processing flow of the support system for housing-related businesses DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS

[0009] A support system for home-related businesses according to a first embodiment of the present invention includes a server that executes a home-related business registration step of encouraging home-related businesses to register themselves, a person in charge setting step of encouraging home-related businesses registered in the home-related business registration step to set a person in charge, a customer registration step of registering customers for which the person in charge registered in the person in charge setting step is in charge, a customer list display step of displaying to the person in charge a customer list for the customers registered in the customer registration step, and a status information display step of displaying status information for the customers displayed in the customer list display step. In the status information display step, if the server has not yet calculated the loanable amount in the loanable amount simulation step, the status information is set to "Loanable amount simulation in progress" and if the server has calculated the loanable amount in the loanable amount simulation step, the status information is set to "Loanable amount simulation completed" However, when a pre-judgment has not been performed in the pre-judgment step, the status information is displayed as "pre-judgment in progress," when the server has performed a pre-judgment in the pre-judgment step and the result of the pre-judgment has been approved, the status information is displayed as "pre-judgment approved," when the server has performed a pre-judgment in the pre-judgment step and the result of the pre-judgment has been rejected, the status information is displayed as "pre-judgment rejected," when the server has not performed a judgment in the main screening step, the status information is displayed as "main screening in progress," when the server has performed a judgment in the main screening step and the result of the judgment has been approved, and when the server has performed a judgment in the main screening step and the result of the judgment has been rejected, the status information is displayed as "main screening rejected," and when the status information is in the "pre-judgment approved" state, a notice of provisional approval is issued to the housing-related contractor in response to a request from the customer, and when the status information is in the "main screening approved" state, a notice of formal approval is issued to the housing-related contractor in response to a request from the customer. In the customer registration step, the server embeds the contractor identification data assigned to the housing-related contractor registered in the housing-related contractor registration step and the person in charge identification data assigned to the person in charge set in the person in charge setting step into a two-dimensional code and transmits the two-dimensional code to the contractor terminal used by the person in charge, and the customer terminal used by the customer to be registered reads the two-dimensional code displayed on the person in charge terminal and transmits approval data to the server, whereby the server links the person in charge with the customer and processes the data.According to this embodiment, housing-related businesses can know status information in the loan amount simulation step, the pre-screening step, and the main screening step, and can also receive notifications of provisional approval and official approval, so that they can confidently select the most suitable property for their customers and can carry out procedures quickly and accurately. In addition, personal information can be protected from unauthorized leakage and processing can be linked to the person in charge and the customer.

[0010] The present invention Second The embodiment of the present invention is No. 1 In the support system for housing-related contractors according to the embodiment, if the status information is "Loanable amount simulation in progress" and "Loanable amount simulation completed", the server extracts the diagnosis necessary information, if the status information is "Preliminary screening in progress", "Preliminary screening approved", and "Preliminary screening rejected", the server extracts the preliminary screening application information, if the status information is "Main screening in progress", "Main screening approved", and "Main screening rejected", the server extracts the screening application information, and displays the extracted diagnosis necessary information, the extracted preliminary screening application information, and the extracted screening application information to the housing-related contractor. According to this embodiment, the housing-related contractor can accurately grasp the personal information, loan information, and occupation information, etc., according to the status, and does not need to obtain information from the customer, and the customer does not need to provide information to the housing-related contractor, reducing the procedural burden for both the housing-related contractor and the customer.

[0011] The present invention Third The embodiment of the present invention is No. 1 In the embodiment of the support system for housing-related contractors, the server accepts input of property information from the person in charge. According to this embodiment, the person in charge can provide the property information necessary for the examination, which reduces the burden on the customer and allows the housing-related contractor to complete the procedure quickly. EXAMPLES

[0012] A support system for home-related contractors according to an embodiment of the present invention will now be described. FIG. 1 is a conceptual diagram showing the flow of a housing loan examination process which is the premise of the support system for housing-related businesses of the present invention. In the mortgage loan screening process according to this embodiment, the server performs a loanable amount simulation step 10, a preliminary screening step 20, and a main screening step 30.

[0013] The loanable amount simulation step 10 includes a diagnosis required information receiving step 11 that prompts the borrower to input information required for diagnosis, a diagnosis required information confirmation step 12 that displays the diagnosis required information input in the diagnosis required information receiving step 11 and prompts the borrower to confirm the input diagnosis required information, a loanable amount calculation step 13 that calculates the loanable amount using the diagnosis required information confirmed by the borrower in the diagnosis required information confirmation step 12, and a loanable amount display step 14 that displays the loanable amount calculated in the loanable amount calculation step 13 to the borrower.

[0014] In step 11 for receiving information required for diagnosis, the applicant is prompted to enter information required for diagnosis including at least the applicant's date of birth, the amount of his / her own funds planned for taking out the mortgage, the date of joining the employer, the employment type at the employer, the employer's capital, the job type and position at the employer, and the annual salary at the employer, as well as the annual repayment amount for the existing loan. Here, the applicant's date of birth is personal information. The amount of his / her own funds is loan information. The date of joining the employer, the employment type at the employer, the employer's capital, the job type and position at the employer, and the annual salary at the employer are occupational information.

[0015] In the diagnosis necessary information confirmation step 12, the loan applicant can modify the displayed diagnosis necessary information and the annual repayment amount for the existing loan. When the applicant issues a confirmation instruction in the diagnosis necessary information confirmation step 12, the process proceeds to the loanable amount calculation step 13. The diagnosis required information confirmed in diagnosis required information confirmation step 12 and the annual repayment amount of the existing loan are registered in diagnosis required information database 41 together with applicant identification data for identifying the applicant. Here, the applicant identification data is generated by the server based on at least a part of the diagnosis required information confirmed in diagnosis required information confirmation step 12.

[0016] In step 13 of calculating the available loan amount, the repayment period is calculated based on the date of birth of the borrower confirmed in step 12 of confirming the information required for diagnosis, and the attribute rank of the borrower is calculated from the amount of personal funds confirmed in step 12 of confirming the information required for diagnosis, the date of joining the employer, the employment type at the employer, the employer's capital, and the job type and position at the employer. The available loan amount is then calculated using the annual income at the employer confirmed in step 12 of confirming the information required for diagnosis and the calculated repayment period and attribute rank. In addition, in the loanable amount calculation step 13, the loanable amount is calculated using the annual repayment amount confirmed in the diagnosis necessary information confirmation step 12.

[0017] The annual repayment amount is calculated from the annual income and the repayment ratio. The repayment ratio is preset according to the annual income. For example, if the annual income is between 4 million and 5 million yen, the repayment ratio is within 40%, and if the annual income is 5 million yen or more, the repayment ratio is within 45%. If the annual income is 5 million yen and the repayment ratio is 45%, the annual repayment amount (principal + interest) calculated from the annual income is 2.25 million yen. The server scores the amount of personal funds, the number of years of service since joining the company, the employment status at the company (full-time employee, part-time employee, self-employed, etc.), the company's capital, and the job type and position at the company.Then, the attribute rank is calculated based on the total score of these.The higher the attribute rank, the higher the loanable amount, and the lower the attribute rank, the lower the loanable amount.

[0018] The repayment period is calculated as the period from the age at the time of loan execution to the preset limit age at the time of full repayment. For example, if the limit age at the time of full repayment is set to 81 years old and the age at the time of loan execution is 70 years old, the repayment period will be 12 years. In addition, for example, if the maximum repayment period is set in advance together with the limit age at the time of full repayment, and the period from the age at the time of loan execution to the limit age at full repayment exceeds the maximum repayment period, the maximum repayment period can be calculated as the repayment period. If the limit age at the time of full repayment is set to 81 years old and the maximum repayment period is set to 35 years, if the age at the time of loan execution is 20 years old, the repayment period will be 35 years, not 62 years until the age of 81 years old. In addition, in the loanable amount simulation step 10, the age at the time of loan execution is, for example, the age at the time of reception in the diagnosis necessary information reception step 11. The repayment period is used to calculate the repayment ratio of the desired loan amount. For example, assuming the loan amount is 20 million yen, the annual income is 5 million yen, the repayment period is 20 years, and the repayment method is equal principal and interest repayment, if the interest rate is 1.0%, the repayment ratio will be 22%.

[0019] The loanable amount is calculated from the applicant's annual salary at work, the applicant's age at the end of repayment, which is calculated from the applicant's date of birth, and the applicant's attribute rank, which is calculated from the applicant's own funds, the date of joining the employer, the employment status at the employer, the employer's capital, and the job type and position at the employer. In addition, by taking into account the annual repayment amount from existing loans when calculating the repayment ratio, the appropriate borrowing amount can be calculated. In the loanable amount display step 14, information including the loanable amount is transmitted from the server to a customer terminal which can be viewed by the borrower. The monthly repayment amount is displayed in the loanable amount display step 14. The number of months for repayment to calculate the monthly repayment amount is the repayment period calculated from the borrower's date of birth confirmed in the diagnosis required information confirmation step 12. A mortgage applicant can easily determine the desired loan amount by knowing the monthly repayment amount. In the loanable amount display step 14, the borrower is prompted to input the desired loan amount and the desired repayment period. That is, the borrower can input the desired loan amount and the desired repayment period using a customer terminal.

[0020] When a borrower inputs a desired borrowing amount and a desired repayment period, a monthly repayment amount is calculated using the input desired borrowing amount and the desired repayment period, and the calculated monthly repayment amount is displayed on a customer terminal. Therefore, a person who wishes to take out a mortgage loan can simulate the desired loan amount and desired repayment period while checking the monthly repayment amount. In addition, the input of the desired loan amount that exceeds the loanable amount is not accepted. By not accepting the input of the desired loan amount that exceeds the loanable amount, it is possible to encourage the mortgage applicant to perform a simulation within the loanable amount. In addition, the input of a repayment period that exceeds the repayment period calculated from the applicant's date of birth confirmed in diagnosis required information confirmation step 12 is not accepted. By not accepting the input of a repayment period that exceeds the repayment period calculated from the applicant's date of birth, it is possible to encourage the applicant for a home loan to perform a simulation within the repayment period.

[0021] As described above, a mortgage applicant can know the loanable amount by inputting the necessary diagnostic information including at least the date of birth, the amount of his / her own funds planned for taking out the mortgage, the date of joining the company, the employment status at the company, the capital of the company, the job type and position at the company, and the annual salary at the company. Furthermore, a mortgage applicant can know the appropriate loanable amount by inputting the annual repayment amount of an existing loan.

[0022] The pre-screening step 20 includes a pre-screening application information receiving step 21 that prompts the prospective borrower to enter pre-screening application information, a pre-screening application information confirmation step 22 that displays the pre-screening application information entered in the pre-screening application information receiving step 21 and prompts the prospective borrower to confirm the entered pre-screening application information, a pre-screening judgment step 23 that uses the pre-screening application information confirmed by the prospective borrower in the pre-screening application information confirmation step 22 to determine whether or not the borrower is eligible for a home loan, and a pre-screening judgment result display step 24 that displays the judgment result determined in the pre-screening judgment step 23 to the prospective borrower.

[0023] In step 21 of accepting pre-screening application information, the borrower is prompted to enter personal information such as the name and gender of the borrower, loan information such as the purchase budget, desired loan amount, repayment period, and property information, and occupational information such as the name and industry of the employer. It is preferable that the personal information in the pre-screening application information receiving step 21 includes the address, telephone number, and if the applicant has a bank account, the account number. As for the property information in the pre-screening application information receiving step 21, the applicant is required to enter the purpose of funds, construction costs, land purchase costs, and the name of the home builder.

[0024] In pre-screening application information confirmation step 22, the borrower is prompted to confirm, as personal information, the borrower's date of birth confirmed in diagnosis required information confirmation step 12, and the borrower's name and gender entered in pre-screening application information acceptance step 21; as loan information, the borrower is prompted to confirm the amount of personal funds confirmed in diagnosis required information confirmation step 12, the purchase budget, desired loan amount, repayment period, and property information entered in pre-screening application information acceptance step 21; and, as occupational information, the borrower is prompted to confirm the date of joining the employer, the employment type at the employer, the employer's capital, the job type and position at the employer, and the annual salary at the employer, all of which are confirmed in diagnosis required information confirmation step 12, and the name of the employer and industry entered in pre-screening application information acceptance step 21. The loan applicant's date of birth, amount of personal funds, date of joining the employer, employment type at the employer, capital stock at the employer, job type and position at the employer, and annual income at the employer are read from the diagnosis required information database 41 based on the loan applicant identification data and used.

[0025] In the pre-screening application information confirmation step 22, the borrower can modify the displayed personal information, loan information, and occupational information. When the borrower issues a confirmation instruction in the pre-screening application information confirmation step 22, the process moves to the pre-screening judgment step 23. The personal information, loan information, and occupational information confirmed in the pre-screening application information confirmation step 22 are registered in the pre-screening application information database 42 together with the loan applicant identification data.

[0026] In the pre-screening determination step 23, the repayment period is calculated based on the borrower's date of birth confirmed in the pre-screening application information confirmation step 22, and the attribute rank of the borrower is calculated from the amount of personal funds, the date of joining the employer, the employment type at the employer, the employer's capital, the job type and position at the employer, and the name and industry of the employer confirmed in the pre-screening application information confirmation step 22. The available loan amount is calculated using the annual income at the employer confirmed in the pre-screening application information confirmation step 22, the calculated repayment period and attribute rank, and the annual repayment amount, and it is determined whether the desired loan amount and repayment period confirmed in the pre-screening application information confirmation step 22 satisfy the conditions of the calculated available loan amount and repayment period. In this way, the loanable amount and repayment period used in the judgment in the pre-screening judgment step 23 are approximately the same as the loanable amount and repayment period calculated in the loanable amount calculation step 13.

[0027] As described above, a person who wishes to borrow a housing loan can undergo a pre-screening without re-entering the personal information, loan information, and occupational information confirmed in step 12 for confirming information required for diagnosis.

[0028] This screening step 30 includes an application information receiving step 31 that prompts the borrower to enter application information, an application information confirmation step 32 that displays the application information entered in the application information receiving step 31 and prompts the borrower to confirm the entered application information, a screening judgment step 33 that uses the application information confirmed by the borrower in the application information confirmation step 32 to determine whether or not the borrower is eligible to receive a home loan, and a screening judgment result display step 34 that displays the judgment result determined in the judgment step 33 to the borrower.

[0029] In step 31 for accepting application information, the applicant is prompted to enter household information such as whether or not the applicant has a spouse, information about the current residence, information about existing mortgages, and whether or not the applicant owns real estate, and is prompted to enter borrowing information such as the desired borrowing date, interest rate type, interest rate plan, and repayment method. In addition, in the review application information reception step 31, the user is prompted to upload certificate data required for the review, such as a seal certificate. In the application information confirmation step 32, the applicant is prompted to confirm the personal information, such as the date of birth, name, and gender of the applicant, confirmed in the pre-screening application information confirmation step 22; the borrowing information, such as the amount of personal funds, purchase budget, desired loan amount, repayment period, and property information confirmed in the pre-screening application information confirmation step 22, and the desired loan date, interest rate type, interest rate plan, and repayment method entered in the application information acceptance step 31; the occupational information, such as the date of joining the employer, employment type at the employer, employer's capital, job type and position at the employer, annual salary at the employer, name and industry of the employer, confirmed in the pre-screening application information confirmation step 22; and the household information, such as whether or not the applicant has a spouse, current residence information, existing mortgage information, and whether or not the applicant owns real estate, which are entered in the application information acceptance step 31. The loan applicant's date of birth, name, sex, amount of personal funds, purchase budget, desired loan amount, repayment period, property information, date of joining the employer, employment type at the employer, employer's capital, job type and position at the employer, annual salary at the employer, and name and industry of the employer are read from the pre-screening application information database 42 based on the loan applicant identification data and used.

[0030] In the application information confirmation step 32, the borrower can modify the displayed personal information, loan information, and occupational information. When the borrower issues a confirmation instruction in the application information confirmation step 32, the process moves to the application judgment step 33. The personal information, loan information, and occupational information confirmed in the application information confirmation step 32 are registered in the application information database 43 together with the loan applicant identification data.

[0031] In the screening judgment step 33, the repayment period is calculated based on the date of birth of the borrower confirmed in the screening application information confirmation step 32, and the attribute rank of the borrower is calculated from the amount of personal funds, the date of joining the employer, the employment type at the employer, the employer's capital, the job type and position at the employer, and the name and industry of the employer confirmed in the screening application information confirmation step 32. The available loan amount is calculated using the annual income at the employer confirmed in the screening application information confirmation step 32, the calculated repayment period, attribute rank, and annual repayment amount, and it is determined whether the desired loan amount and repayment period confirmed in the screening application information confirmation step 32 satisfy the conditions of the calculated available loan amount and repayment period. In this way, the loanable amount and repayment period used in the judgment in the examination and judgment step 33 are approximately the same as the loanable amount and repayment period calculated in the loanable amount calculation step 13.

[0032] As described above, a person wishing to borrow a housing loan can be screened without re-entering the personal information, loan information, and occupational information confirmed in the pre-screening application information confirmation step 22.

[0033] In this way, the loanable amount available to a mortgage applicant is calculated prior to the actual screening and preliminary screening, and the calculated loanable amount is transmitted to the applicant. The server has a main screening step 30 in which it accepts the certificate data required for the screening application information along with the screening application information and performs the main screening; a pre-screening step 20 in which, before performing the main screening step 30, it determines whether or not the applicant can obtain a home loan based on the pre-screening application information including at least the applicant's personal information and borrowing information and transmits the pre-screening result to the applicant; and a loan amount simulation step 10 in which, before performing the pre-screening step 20, it calculates the available loan amount for the home loan based on necessary diagnostic information including at least the applicant's date of birth, the amount of his / her own funds planned for obtaining the home loan, the date of joining the employer, the employment type at the employer, the employer's capital, the job type and position at the employer, and the annual salary at the employer, and transmits the calculated available loan amount to the applicant. Furthermore, mortgage applicants can find out the amount they can borrow prior to the main and preliminary screenings with less information than is required for the main and preliminary screenings. This not only eliminates the inconvenience of not being able to receive a mortgage after a property has been decided, but also makes it easier to find properties, as they can be found based on the amount they can borrow.

[0034] FIG. 2 is a conceptual diagram showing the process flow of the housing-related contractor support system according to this embodiment. The server has a home-related business registration step 50 that prompts the home-related business to register, and a person in charge setting step 51 that prompts the home-related business registered in the home-related business registration step 50 to set a person in charge of the home-related business (hereinafter simply referred to as a person in charge). When the registration procedure is performed in the home-related business registration step 50, the server registers the home-related business (S70), and when the setting is performed in the person in charge setting step 51, the server registers the person in charge (S71).

[0035] The server has a loan applicant registration step 90 for encouraging a customer of a housing-related business who is a loan applicant to register for the mortgage app. When the registration procedure is performed in loan applicant registration step 90, the server registers the loan applicant (app registration step 70). The mortgage loan screening process already described in Fig. 1 is carried out by the loan applicant registered in app registration step 70 using the mortgage app.

[0036] After a home-related contractor is registered in home-related contractor registration step 50 and a person in charge is set in person-in-charge setting step 51, the set person in charge logs in to the server (S52), and the server extracts the customer data registered by the person in charge (S72) and transmits it to the contractor's terminal, whereby the person in charge can view a customer list of already registered customers (S53). When the person in charge selects to register a new customer (S54), the server embeds the contractor identification data assigned to the home-related contractor registered in home-related contractor registration step 50 and the person in charge identification data assigned to the person in charge setting step 51 into a two-dimensional code (S73), and transmits the two-dimensional code for customer registration to the contractor terminal used by the person in charge. The two-dimensional code for customer registration can be displayed on the trader terminal (S55).

[0037] When customer registration is to be performed by reading this two-dimensional customer registration code (Yes in S56), the two-dimensional customer registration code is presented to the customer. When a customer logs in to the mortgage application using a customer terminal (S91), the server extracts customer data (S74), and if the customer is registered in S90, the mortgage application is displayed on the customer terminal (S92). On the customer terminal, the camera is activated from the displayed mortgage application (S93), the two-dimensional code for customer registration displayed on the dealer terminal is read (S94), and the approval data is sent to the server (S95). The server then links the agent and the customer and processes the data, thereby registering the customer that the agent is responsible for (customer registration step 75).

[0038] If the two-dimensional code for customer registration is not used for customer registration (No in S56), the customer's email address is entered (S57) and transmitted to the server. The server extracts customer data from the received customer's email address (S76) and transmits the customer's name to the business terminal. On the business terminal, the customer's name and a send button are displayed (S58), and when the person in charge operates the send button (S59), the server sends a notification email to the customer (S77), and the customer receives the notification email (S96). The customer who receives the email logs into the mortgage app using the customer terminal (S97), the server extracts the customer data (S78), and if the customer is registered in S90, the mortgage app is displayed on the customer terminal (S98). The customer terminal transmits the approval data to the server (S99), and the server associates the person in charge with the customer and processes the association, thereby registering the customer that the person in charge is in charge of (customer registration step 79). In the customer registration steps 75 and 79, by linking the person in charge with the customer in this way, personal information is prevented from being leaked illegally.

[0039] By selecting the customer list from the page for the person in charge in S53 (S60) for the customers for which linking processing has been performed in customer registration steps 75 and 79, which link the person in charge with the customers, the server extracts a list of customer names and status information for each customer (S80), and the person in charge can view the status information together with the customer names (S61). S61 is a customer list display step 61 that displays a customer list for the customers registered in the customer registration steps 75 and 79, and a status information display step 61 that displays status information for the customers displayed in the customer list display step 61.

[0040] In the customer list display step 61, the customer list in the loanable amount simulation step 10, the customer list in the preliminary screening step 20, and the customer list in the main screening step 30 can be displayed separately. In status information display step 61, when the server has not yet calculated the available loan amount in loan amount simulation step 10, the status information is displayed as "Available loan amount simulation in progress," and when the server has calculated the available loan amount in loan amount simulation step 10, the status information is displayed as "Available loan amount simulation completed," and when the server has not performed a pre-judgment in pre-screening step 20, the status information is displayed as "Pre-screening in progress," and when the server has performed a pre-judgment in pre-screening step 20 and the result of the pre-judgment has been approved, the status information is displayed as "Pre-screening approved," and when the server has performed a pre-judgment in pre-screening step 20 and the result of the pre-judgment has been rejected, the status information is displayed as "Pre-screening rejected," and when the server has not performed a judgment in main screening step 30, the status information is displayed as "Main screening in progress," and when the server has performed a judgment in main screening step 30 and the result of the judgment has been approved, the status information is displayed as "Main screening approved," and when the server has performed a judgment in main screening step 30 and the result of the judgment has been rejected, the status information is displayed as "Main screening rejected."

[0041] When the clerk selects a specific customer from the customer list (S62), the server extracts mortgage application information for the selected customer (S81). The extracted mortgage application information can be viewed on the dealer terminal (S63). In S81, if the customer's status information is "Available loan amount simulation in progress" and "Available loan amount simulation completed", the server extracts information necessary for diagnosis; if the customer's status information is "Preliminary screening in progress", "Preliminary screening approved", and "Preliminary screening rejected", the server extracts preliminary screening application information; if the customer's status information is "Main screening in progress", "Main screening approved", and "Main screening rejected", the server extracts screening application information. Then, the extracted diagnosis necessary information, the extracted pre-examination application information, and the extracted examination application information are displayed on the dealer terminal. In other words, on the dealer terminal, if the status information shows "Loan amount simulation in progress" and "Loan amount simulation completed," the diagnostic information can be viewed; if the status information shows "Preliminary screening in progress," "Preliminary screening approved," and "Preliminary screening rejected," the preliminary screening application information can be viewed; and if the status information shows "Main screening in progress," "Main screening approved," and "Main screening rejected," the screening application information can be viewed. Therefore, the person in charge (housing-related contractor) can accurately grasp personal information, loan information, occupational information, etc. according to status, and does not need to obtain information from the customer, and the customer does not need to provide information to the housing-related contractor, thereby reducing the procedural burden for both the housing-related contractor and the customer.

[0042] The person in charge can view the mortgage application information (S63) and can input property information and financial plan details (S64), and the server accepts the input of the property information and financial plan details from the person in charge (S82). Here, the property information refers to the address and subdivision name of the property to be purchased, and the financial plan breakdown information refers to the land acquisition costs, building construction and purchase costs, renovation costs, exterior costs such as exterior construction costs, and registration costs. In this way, by having the person in charge provide the property information and financial plan details required for the appraisal, the procedural burden on the customer is reduced and housing-related businesses can also complete the process quickly. The person in charge can also view the mortgage application information (S63) and upload documents to be submitted for review (S65), and the server accepts the documents to be submitted for review uploaded by the person in charge (S83).

[0043] When the status information indicates a state of pre-examination and approval, a notice of provisional approval is issued to the housing-related contractor in response to a request from the customer, and when the status information indicates a state of full examination and approval, a notice of formal approval is issued to the housing-related contractor in response to a request from the customer. A customer can log in to the mortgage app using a customer device and request the issuance of a provisional approval notice or a formal approval notice. The server checks the status information, and if the status information indicates a pre-approval, it allows the issuance of a provisional approval notice, and if the status information indicates a full approval, it allows the issuance of a formal approval notice. The server may provide the housing-related contractor with a notice of provisional approval or a notice of official approval. Thus, according to this embodiment, housing-related businesses can know the status information in the loan amount simulation step 10, the pre-screening step 20, and the main screening step 30, and can further obtain notifications of provisional approval and official approval, so that they can confidently select the property that is best suited to their customer and can carry out the procedures quickly and accurately. [Industrial Applicability]

[0044] According to the present invention, housing-related businesses can make property proposals that take into consideration not only the home buyer's own funds but also the amount of loans that can be made. [Explanation of symbols]

[0045] 10 Borrowing amount simulation steps 11 Steps for receiving information required for diagnosis 12 Steps to confirm information required for diagnosis 13 Steps to calculate the amount you can borrow 14. Steps to display available loan amount 20 Pre-screening steps 21 Pre-screening application information acceptance step 22 Pre-screening application information confirmation step 23 Pre-screening decision step 24 Pre-screening result display step 30 Main review steps 31 Application information acceptance step 32 Application information confirmation step 33 Examination and Judgment Steps 34 Screening result display step 41 Database of information required for diagnosis 42 Pre-screening application information database 43 Examination application information database 50 Steps to register as a housing-related contractor 51 Person in charge setting step 61 Customer list display step, status information display step 70 App registration steps 75, 79 Customer registration steps 90 Borrower Registration Steps

Claims

1. The server For those seeking a home loan, a main examination step of accepting the certificate data required for the application information for examination, together with examination application information including at least personal information about the borrower, including the name, date of birth, and sex, loan information including the purchase budget, desired loan amount, repayment period, and property information, and occupational information including the name of the employer, the affiliation and employment type at the employer, the job content at the employer, and the annual salary at the employer, determining whether the mortgage loan can be obtained and transmitting the result of the determination to the borrower; a pre-screening step of judging whether or not the mortgage loan can be obtained based on pre-screening application information including at least the personal information, the borrowing information, and the occupational information before the main screening step is performed, and transmitting the pre-screening result to the borrower; a loanable amount simulation step of calculating an available loan amount for the housing loan using diagnostic information including at least the date of birth of the applicant as the personal information, the amount of personal funds planned for obtaining the housing loan as the loan information, and the date of joining the employer, the employment type at the employer, the capital of the employer, the job type and position at the employer, and the annual salary at the employer as the occupational information, and transmitting the calculated available loan amount to the applicant; Run To housing-related businesses that have the borrower as a customer, Providing status information in the loanable amount simulation step, the preliminary screening step, and the main screening step A support system for housing-related contractors, comprising: The server, To the housing-related businesses, a housing-related business registration step for encouraging the housing-related business to register; a person in charge setting step for prompting the housing-related contractor registered in the housing-related contractor registration step to set a person in charge; a customer registration step of registering the customer who is handled by the person in charge registered in the person in charge setting step; a customer list display step of displaying a customer list of the customers registered in the customer registration step to the person in charge; a status information display step for displaying the status information about the customers displayed in the customer list display step; Run In the status information display step, When the server is not calculating the borrowable amount in the borrowable amount simulation step, the status information is set to "borrowable amount simulation in progress"; When the server has executed the calculation of the available loan amount in the available loan amount simulation step, the status information is set to available loan amount simulation completed, When the server has not performed the pre-judgment in the pre-judgment step, the status information is set to "pre-judgment in progress", When the server executes the pre-judgment in the pre-judgment step and the pre-judgment result is approved, the status information is set to pre-judgment approved; When the server executes the pre-judgment in the pre-judgment step and the pre-judgment result is rejected, the status information is set to "pre-judgment rejected"; When the server has not yet performed a judgment in the main examination step, the status information is set to "main examination in progress"; When the server executes the judgment in the main review step and the judgment result is approved, the status information is set to main review approval; When the server executes a judgment in the main examination step and the judgment result is a denial, the status information is displayed as a main examination denial, When the status information indicates the pre-approval status, a notice of provisional approval is issued to the housing-related contractor upon a request from the customer; When the status information indicates the final approval, a notice of formal approval is issued to the housing-related contractor upon request from the customer. A support system for housing-related contractors.

2. In the customer registration step, the server embeds the contractor identification data assigned to the housing-related contractor registered in the housing-related contractor registration step and the person in charge identification data assigned to the person in charge set in the person in charge setting step into a two-dimensional code and transmits the two-dimensional code to a contractor terminal used by the person in charge; The two-dimensional code displayed on the person in charge's terminal is read by a customer terminal used by the customer to be registered, and approval data is transmitted to the server, where the person in charge and the customer are linked and processed.

2. The support system for housing-related contractors according to claim 1.

3. If the status information indicates that the loanable amount simulation is in progress and that the loanable amount simulation has been completed, the server extracts the diagnosis necessary information, If the status information is "in pre-screening", "pre-screening approved", or "pre-screening rejected", the server extracts the pre-screening application information; If the status information is "in review", "approved", or "rejected", the server extracts the review application information; Displaying the extracted diagnosis necessary information, the extracted pre-examination application information, and the extracted examination application information to the housing-related contractor 3. The support system for housing-related contractors according to claim 1 or 2.

4. The server accepts input of the property information from the person in charge.

3. The support system for housing-related contractors according to claim 1 or 2.

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