Loan refinancing support system

Abstract

To provide a loan refinancing support system which proposes asset management at the time of loan refinancing.SOLUTION: A computer executes: a repayment simulation output step of calculating an ongoing repayment simulation and a refinancing repayment simulation based on current loan repayment information, and outputting the ongoing repayment simulation and the refinancing repayment simulation; a payment difference output step of calculating an extended refinancing repayment simulation with a refinancing repayment period obtained by extending a repayment period used for the refinancing repayment simulation, and outputting a difference in repayment on a repayment date between the refinancing repayment simulation and the extended refinancing repayment simulation; and an asset management simulation output step of calculating an asset management simulation using the difference in repayment as a reserved amount made through asset management, and outputting the asset management simulation. The asset management simulation output step outputs timing at which an expected repayment amount through the extended refinancing repayment simulation is the same as an expected reserved amount through the asset management simulation.SELECTED DRAWING: Figure 1

Description

Technical Field

[0001] The present invention relates to a loan refinancing support system that can propose asset management at the timing of loan refinancing.

Background Art

[0002] Due to the financial situation surrounding the world, the future interest rate policy in Japan has drawn attention, and there is also a significant demand for loan refinancing of housing loans. As a housing loan refinancing business support system, in Patent Document 1, data collection, exchange, and processing are performed using IT technology that utilizes GIS from a terminal, a database and an analysis system related to housing loans are constructed, potential customers are extracted by extracting the difference in secular changes from old and new housing maps, and potential customers are ranked by adding judgments on the suitability of housing loan refinancing, etc., and a system has been proposed that can efficiently support the business activities of financial institutions by extracting promising business candidate destinations.

Prior Art Documents

Patent Documents

[0003]

Patent Document 1

Summary of the Invention

Problems to be Solved by the Invention

[0004] The purpose of housing loan refinancing is to change to a loan with a lower interest rate or to change the loan in preparation for future interest rate increases, but there is no idea of creating a source of funds for asset management at the timing of loan refinancing.

[0005] An object of the present invention is to provide a loan refinancing support system that proposes asset management at the timing of loan refinancing.

Means for Solving the Problems

[0006] The loan refinancing support system of the present invention according to claim 1 is such that a computer calculates a current repayment simulation and a refinancing repayment simulation based on current loan repayment information including the user's current loan repayment amount, current interest rate, future interest rate, and repayment period, and outputs the calculated current repayment simulation and the refinancing repayment simulation; calculates an extended refinancing repayment simulation based on the refinancing repayment period obtained by extending the repayment period used in the refinancing repayment simulation, and outputs a repayment difference at the repayment date between the refinancing repayment simulation and the extended refinancing repayment simulation; calculates an asset management simulation with the repayment difference as the amount of savings through asset management, and outputs the calculated asset management simulation. In the asset management simulation output step, the timing when the scheduled repayment amount according to the extended refinancing repayment simulation and the scheduled savings amount according to the asset management simulation are equal is output. The present invention according to claim 2 is characterized in that, in the loan refinancing support system according to claim 1, the age or year information of the user at the timing is output. The present invention according to claim 3 is characterized in that, in the loan refinancing support system according to claim 1, in the asset management simulation output step, the scheduled savings amount at the time of loan repayment according to the extended refinancing repayment simulation is output. The present invention according to claim 4 is characterized in that, in the loan refinancing support system according to claim 3, the age or year information of the user at the time of loan repayment is output. The present invention according to claim 5 is characterized in that, in the loan refinancing support system according to claim 1, in the asset management simulation output step, a graph is displayed with one axis being the scheduled repayment amount and the scheduled savings amount, and the other axis being the age or year information of the user. The invention according to claim 6 is the loan refinancing support system according to claim 1, wherein the computer receives an input of a breakdown timing and a breakdown amount for breakdown from the accumulated reserve amount, calculates the asset management simulation by breakdown based on the received breakdown timing and the breakdown amount, and executes a breakdown asset management simulation output step of outputting the timing of the end of asset management and the total asset amount until the end of asset management. The invention according to claim 7 is the loan refinancing support system according to claim 1, wherein the computer receives an input of a change timing and a change amount of the accumulated amount, calculates the asset management simulation by the change based on the received change timing and the change amount, and executes a changed asset management simulation output step of graphically displaying with one axis being the accumulated reserve amount and the other axis being the age of the user.

Advantages of the Invention

[0007] According to the present invention, although the refinancing repayment period is extended, the substantial refinancing repayment period by asset management can be predicted, so that asset management can be proposed at the timing of loan refinancing.

Brief Description of the Drawings

[0008]

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Mode for Carrying Out the Invention

[0009] The loan refinancing support system according to the first embodiment of the present invention includes a computer that calculates a current repayment simulation and a refinancing repayment simulation based on current loan repayment information including the user's current loan repayment amount, current interest rate, future interest rate, and repayment period, and outputs the calculated current repayment simulation and refinancing repayment simulation; a payment difference output step that calculates an extended refinancing repayment simulation using an extended repayment period obtained by extending the repayment period used in the refinancing repayment simulation, and outputs the repayment difference on the repayment date between the refinancing repayment simulation and the extended refinancing repayment simulation; and an asset management simulation output step that calculates an asset management simulation with the repayment difference as the accumulated amount by asset management and outputs the calculated asset management simulation. In the asset management simulation output step, the timing at which the scheduled repayment amount based on the extended refinancing repayment simulation and the scheduled accumulated amount based on the asset management simulation are equal is output. According to the present embodiment, by calculating an extended refinancing repayment simulation using an extended repayment period obtained by extending the repayment period used in the refinancing repayment simulation, outputting the repayment difference on the repayment date between the refinancing repayment simulation and the extended refinancing repayment simulation, calculating an asset management simulation with the repayment difference as the accumulated amount by asset management, and outputting the timing at which the scheduled repayment amount based on the extended refinancing repayment simulation and the scheduled accumulated amount based on the asset management simulation are equal, it is possible to know the timing when the loan repayment is substantially completed and to grasp the merits of asset management with the repayment difference as the accumulated amount. That is, although the repayment period is extended, since the substantial refinancing repayment period by asset management can be predicted, it is possible to propose asset management at the timing of loan refinancing.

[0010] The second embodiment of the present invention outputs the user's age or year information at the timing when the scheduled repayment amount and the scheduled accumulated amount are equal in the loan refinancing support system according to the first embodiment. According to the present embodiment, it is possible to grasp the age or year when the loan repayment is substantially completed.

[0011] In the third embodiment of the present invention, in the loan borrowing support system according to the first embodiment, in the asset management simulation output step, the amount of savings reserved at the time of loan repayment by the extended loan replacement simulation is output. According to this embodiment, when asset management is not performed, there is only no remaining debt at the time of loan repayment, but by performing asset management, the assets that can be expected at the time of loan repayment can be predicted.

[0012] In the fourth embodiment of the present invention, in the loan borrowing support system according to the third embodiment, the age or year information of the user at the time of loan repayment is output. According to this embodiment, the age and year when the loan repayment ends can be grasped.

[0013] In the fifth embodiment of the present invention, in the loan borrowing support system according to the first embodiment, in the asset management simulation output step, one axis is the scheduled repayment amount and the scheduled savings amount, and the other axis is the age or year information of the user, and it is graphically displayed. According to this embodiment, since the fluctuations of the scheduled repayment amount and the scheduled savings amount according to the year are displayed in one graph, the changes in the remaining balance of the borrowed money and the savings amount can be grasped.

[0014] In the sixth embodiment of the present invention, in the loan borrowing support system according to the first embodiment, the computer accepts the input of the withdrawal timing and the withdrawal amount for withdrawal from the scheduled savings amount, calculates the asset management simulation by withdrawal based on the accepted withdrawal timing and withdrawal amount, and executes a withdrawal asset management simulation output step for outputting the timing of the end of asset management and the total asset amount until the end of asset management. According to this embodiment, by outputting the asset management simulation by withdrawal from the scheduled savings amount, asset management can be performed according to the user's lifestyle.

[0015] The seventh embodiment of the present invention is in the loan refinancing support system according to the first embodiment, where a computer accepts the input of the change timing and change amount of the savings amount, calculates an asset management simulation due to the change based on the accepted change timing and change amount, and executes a changed asset management simulation output step of graphically displaying with one axis being the planned savings amount and the other axis being the user's age. According to this embodiment, by outputting an asset management simulation due to the change in the savings amount, asset management can be performed according to the user's lifestyle.

Example

[0016] Hereinafter, a loan refinancing support system according to an embodiment of the present invention will be described with reference to FIGS. 1 to 10. This embodiment shows the refinancing of a housing loan. FIG. 1 is a flowchart showing the processing flow in the loan refinancing support system in this embodiment. When current loan repayment information is input to the computer (S1), the computer calculates a repayment simulation (S2). Here, the current loan repayment information includes personal information and borrowing information. The personal information is personal identification information such as name and address, and preferably includes the date of birth. The borrowing information includes the user's current loan repayment amount, current interest rate, future interest rate, and repayment period.

[0017] FIG. 2 is an input information image diagram for inputting the current loan repayment information by S1 to the computer. In the repayment simulation calculation step by S2, based on the current loan repayment information, a current situation repayment simulation is calculated, and the calculated current situation repayment simulation is output (S21). In the current situation repayment simulation by S21, it is preferable to output the current situation repayment simulation from the start of loan repayment to completion and the current situation repayment simulation for the remaining debt in the current situation excluding the end of repayment.

[0018] Figure 3 is an output image diagram of the current repayment simulation from the start of loan repayment by S21 until completion, and Figure 4 is an output image diagram of the current repayment simulation for the remaining debt in the current situation excluding the end of repayment by S21. In Figure 3, the total borrowing amount (32,400,000 yen), repayment period (420 times (36 years)), and completion date (2051 / 06 / 17) are fixed items, while the interest rate (step - fixed (1.200%)), total repayment amount (42,108,113 yen), total interest amount (9,708,113 yen), and total payment amount (42,108,113 yen) are items that vary depending on future interest rate trends. As shown in Figure 3, it is preferable to graphically display the ratio of principal to interest in the annual repayment amount and the increase and decrease of the remaining principal balance and the cumulative interest. In Figure 4, the total borrowing amount (26,851,133 yen), repayment period (335 times (27 years and 11 months)), completion date (2051 / 06 / 17), interest rate (step - fixed (1.200%)), total repayment amount (43,561,056 yen), total interest amount (16,709,923 yen), and total payment amount (43,561,056 yen) are displayed.

[0019] Also, in the repayment simulation calculation step by S2, based on the current loan repayment information, the interest rate information after the loan conversion is added to calculate the loan conversion repayment simulation, and the calculated loan conversion repayment simulation is output (S22). The interest rate information after the loan conversion includes the selection of fixed / variable, the currently selected interest rate, and future interest rates. Figure 5 is an output image diagram of the loan conversion repayment simulation for the remaining debt in the current situation excluding the end of repayment by S22. In the loan conversion repayment simulation shown in Figure 5, the repayment period is the same as the current repayment simulation for the remaining debt in the current situation shown in Figure 4. In Figure 5, the total borrowing amount (28,500,000 yen), repayment period (335 times (27 years and 11 months)), completion date (2051 / 06 / 17), interest rate (fixed (1.150%)), total repayment amount (33,332,597 yen), total interest amount (4,832,597 yen), and total payment amount (33,332,597 yen) are displayed. The reason why the total borrowing amount shown in Fig. 5 is larger than the total borrowing amount shown in Fig. 4 is that the refinancing costs (bank fees, registration fees, agency fees) are included in the remaining balance amount. In Fig. 5 compared with Fig. 4, the repayment period and the full repayment date are the same, but due to different interest rates caused by refinancing, the total repayment amount, the total interest amount, and the total payment amount are different.

[0020] The current repayment simulation for the current remaining balance and the refinancing repayment simulation for the current remaining balance calculated in the repayment simulation calculation step by S2 are used to compare and display the current repayment and the refinancing repayment (S23). Fig. 6 is an image diagram of the comparison output of the current repayment and the refinancing repayment by S23. Note that Fig. 6 shows the case where the fixed interest rate for the entire period is selected for the refinancing repayment. As shown in Fig. 6, for the current repayment and the refinancing repayment, it is preferable to graphically display the change in the remaining balance with one axis (vertical axis) being the repayment amount and the other axis (horizontal axis) being the user's repayment age. Also, the comparison of the borrowing amount, the total repayment amount, and the total interest amount between the current repayment and the refinancing repayment is displayed.

[0021] The output of the current repayment simulation by S21, the output of the refinancing repayment simulation by S22, and the comparison output of the current repayment and the refinancing repayment by S23 are the repayment simulation output steps.

[0022] When the refinancing repayment period extension information is input (S3), the computer can calculate the extended refinancing repayment simulation with the repayment period extended from the repayment period used in the refinancing repayment simulation, and calculate the repayment difference on the repayment date between the refinancing repayment simulation and the extended refinancing repayment simulation (S4). The refinancing repayment period extension information is to input a period exceeding the repayment period in the current repayment simulation for the current remaining balance shown in Fig. 4. The refinancing repayment period extension information is input by entering the number of times until repayment, the year and month of repayment completion, and the user's age. When the computer determines the appropriateness of the input borrowing repayment period extension information, the computer determines whether the period setting exceeds the current repayment period and whether the user's age at the time of completion due to the extension of the borrowing repayment period exceeds the set age (for example, 82 years old). If the computer determines that the period setting does not exceed the current repayment period, it displays the period setting conditions that exceed the repayment period to the user. If the user's age at the time of completion due to the extension of the borrowing repayment period exceeds the set age, it supports the user's input of the borrowing repayment period extension information by displaying the period setting conditions that the user's age does not exceed the set age to the user.

[0023] The computer outputs the payment difference due to the period extension calculated in S4 (S41). Figure 7 is an output image diagram in the payment difference output step by S41. The upper table and the lower table in Figure 7 have the same total borrowing amount (29,100,000 yen) and interest rate (fixed (0.950%)). The upper table has a repayment period of 335 times (27 years and 11 months), and the lower table has a repayment period of 420 times (35 years). It is displayed so that the repayment amounts for each repayment date can be compared. And, as shown in Figure 7, the first repayment amount (98,927 yen) in the upper table and the first repayment amount (81,468 yen) in the lower table are displayed. In this way, it is also possible to display the payment amounts before and after the period extension and the calculated payment difference.

[0024] When asset management information is input (S5), the computer calculates an asset management savings amount simulation using the payment difference due to the extended period calculated in S4 (S6). The asset management information includes the management period (savings period) and the management interest rate (annual interest). The management interest rate can be selected by the user from those set in advance based on past data and future prospects according to the asset management method. Note that examples of asset management methods include investment trusts, and it is preferable to use an investment trust using a NISA account as the asset management method. According to the NISA savings after 2024, there are no restrictions on the management period or the withdrawal of funds, the profit during management is non-taxable, and a management interest rate exceeding the loan interest rate can be fully expected.

[0025] The computer calculates an asset management simulation with the repayment difference as the savings amount by asset management in S6, and outputs the calculated asset management simulation (S7). Figure 8 is an output image diagram of the asset management simulation. In Figure 8, one axis (vertical axis) represents the scheduled repayment amount and the scheduled savings amount, and the other axis (horizontal axis) represents the user's age, and it is graphically displayed. Here, the scheduled repayment amount is the remaining debt amount, and the scheduled savings amount is the savings amount plus the management profit. Note that the year information may be displayed together with the user's age or in place of the user's age. The year information is, for example, year, month-year, or fiscal year.

[0026] And in Figure 8, "A" indicates the timing when the scheduled repayment amount by the extended loan repayment simulation calculated in S4 and the scheduled savings amount by the asset management simulation become the same amount. In this way, by outputting the timing A when the scheduled repayment amount by the extended loan repayment simulation and the scheduled savings amount by the asset management simulation become the same amount, it is possible to know the timing A when the loan repayment is substantially completed, and to grasp the merits of asset management with the repayment difference as the savings amount. That is, although the loan repayment period is extended, the substantial loan repayment period by asset management can be predicted. By outputting the user's age or year information at timing A when the scheduled repayment amount and the scheduled savings amount are equal, it is possible to grasp the age or year when the loan repayment is substantially completed.

[0027] Also, in Fig. 8, "B" indicates the time of loan repayment completion by the extended loan conversion repayment simulation, and the scheduled savings amount at the time of loan repayment completion B is output. If asset management is not carried out, there will only be no remaining debt at the time of loan repayment completion B, but by carrying out asset management, it is possible to predict the assets that can be expected at the time of loan repayment completion B. Also, by outputting the user's age or year information at the time of loan repayment completion B, it is possible to grasp the age or year when the loan repayment ends. As shown in Fig. 8, by displaying the annual fluctuations of the settled amount and the scheduled savings amount in one graph, it is possible to grasp the changes in the remaining balance of the borrowed money and the savings amount.

[0028] When the liquidation information is input (S8), the computer calculates the asset management savings amount simulation using the liquidation information (S9). The liquidation information is the liquidation time and the liquidation amount for performing liquidation from the scheduled savings amount. The liquidation time includes the user's age at the time of liquidation. In the step of calculating the asset management savings amount simulation in S9, the asset management simulation due to liquidation is calculated based on the received liquidation time and liquidation amount. Then, the asset management simulation due to liquidation to be calculated is output (S10). In the step of outputting the liquidation asset management simulation in S10, the time of the end of asset management and the total asset amount until the end of asset management are output. Fig. 9 is an output image diagram of the liquidation asset management simulation. In Fig. 9, one axis (vertical axis) is the scheduled savings amount, and the other axis (horizontal axis) is the user's age, and it is graphically displayed. Note that year information may be displayed together with the user's age or in place of the user's age. The year information is, for example, year, year and month, or fiscal year. Figure 9 shows the case where the user's age is C years old at the time of liquidation and the liquidation amount is input as 200,000 yen per month. The total assets by accumulation are 24,358,356 yen, indicating that the user can receive 200,000 yen per month until the age of 82. As shown in Figure 9, by outputting the asset management simulation based on the liquidation from the accumulated deposit amount, asset management can be carried out according to the user's lifestyle.

[0029] When the accumulated amount change information is input (S11), the computer calculates the asset management accumulated amount simulation using the accumulated amount change information (S12). The accumulated amount change information is the change time and the change amount of the accumulated amount. The change time of the accumulated amount includes the user's age at the time of the change. In the step of calculating the asset management accumulated amount simulation in S12, the asset management simulation due to the change is calculated based on the received change time and change amount. Then, the calculated changed asset management simulation is output (S13). In the step of outputting the changed asset management simulation in S13, a graph is displayed with one axis being the accumulated deposit amount and the other axis being the user's age. Figure 10 is an output image diagram of the changed asset management simulation. In Figure 10, one axis (vertical axis) is the accumulated deposit amount and the other axis (horizontal axis) is the user's age, and a graph is displayed. Note that the year information may be displayed together with or in place of the user's age. The year information is, for example, year, month-year, or fiscal year. Figure 10 shows the case where the user's age is D years old (65 years old) at the time of change. For example, from the age of 64 at retirement, the accumulated amount can be changed to zero or halved. Figure 10 shows that the accumulation is liquidated from the user's age of C years old. As shown in Figure 10, by outputting the asset management simulation due to the change in the accumulated amount, asset management can be carried out according to the user's lifestyle.

Industrial Applicability

[0030] According to the loan refinancing support system of the present invention, by extending the borrowing period, it is possible to create the principal for asset management, and by performing asset management at a rate of return higher than the loan interest rate, it is possible to shorten the actual repayment period of the refinancing and predict the generation of assets.

Claims

1. The computer a repayment simulation output step of calculating a current status repayment simulation and a refinancing repayment simulation based on current loan repayment information including the user's current loan repayment amount, current interest rate, future interest rate, and repayment period, and outputting the calculated current status repayment simulation and the refinancing repayment simulation; A payment difference output step of calculating an extended refinancing repayment simulation by an extended refinancing repayment period of the repayment period used in the refinancing repayment simulation, and outputting a repayment difference on the repayment date between the refinancing repayment simulation and the extended refinancing repayment simulation; an asset management simulation output step of calculating an asset management simulation in which the repayment difference is set as a savings amount through asset management, and outputting the calculated asset management simulation; Run In the asset management simulation output step, a timing when the planned repayment amount based on the extended refinancing repayment simulation becomes equal to the planned savings amount based on the asset management simulation is output. A loan refinancing support system.

2. Outputting age or year information of the user at the time 2. The loan refinancing support system according to claim 1 .

3. In the asset management simulation output step, the planned savings amount at the time of full repayment of the loan based on the extension refinancing repayment simulation is output.

2. The loan refinancing support system according to claim 1 .

4. Output the user's age or year information at the time of full repayment of the loan 4. The loan refinancing support system according to claim 3.

5. In the asset management simulation output step, one axis represents the planned repayment amount and the planned savings amount, and the other axis represents the user's age or year information.

2. The loan refinancing support system according to claim 1 .

6. The computer, a withdrawal asset management simulation output step of receiving an input of a withdrawal time and withdrawal amount for withdrawing from the planned accumulation amount, calculating the asset management simulation by withdrawal based on the received withdrawal time and withdrawal amount, and outputting a withdrawal asset management end time and a total asset amount until the end of the asset management; Execute 2. The loan refinancing support system according to claim 1 .

7. The computer, a modified asset management simulation output step of receiving an input of a time and amount of change to the savings amount, calculating the asset management simulation according to the time and amount of change received, and displaying a graph with one axis representing the planned savings amount and the other axis representing the user's age; Execute 2. The loan refinancing support system according to claim 1 .

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