Loan refinancing support system

Abstract

To provide a refinancing support system which proposes asset management at the time of loan refinancing.SOLUTION: A loan refinancing support system causes a computer to execute the steps 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; 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; calculating an asset management simulation using the difference in repayment as a reserved amount made through asset management, and outputting the asset management simulation that 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 the capital 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; a payment difference output step of calculating an extended refinancing repayment simulation using the repayment period extended from the repayment period used in the refinancing repayment simulation, and outputting a repayment difference at the 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 with the repayment difference as the amount of savings by asset management and outputting the calculated asset management simulation. In the asset management simulation output step, The accumulated reserve amount of the user at a predetermined age or at a predetermined time is characterized by outputting. Claim 2 The present invention described in claim 5 is the loan refinancing support system according to claim 1, wherein the A predetermined time at the time of loan repayment by the extended refinancing repayment simulation and is characterized by doing.

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] In the loan refinancing support system according to the first embodiment of the present invention, 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 refinancing repayment simulation in a repayment simulation output step; calculates an extended refinancing repayment simulation with a refinancing repayment period extended by the repayment period used in the refinancing repayment simulation, and outputs a repayment difference on the repayment date between the refinancing repayment simulation and the extended refinancing repayment simulation in a payment difference output step; calculates an asset management simulation with the repayment difference as the accumulated amount by asset management, and outputs the calculated asset management simulation in an asset management simulation output step. In the asset management simulation output step, The accumulated reserve amount of the user at a predetermined age or at a predetermined timeIt outputs. According to this embodiment, an extended borrowing and repayment simulation is calculated based on the extended borrowing and repayment period obtained by extending the repayment period used in the borrowing and repayment simulation, and the repayment difference on the repayment date between the borrowing and repayment simulation and the extended borrowing and repayment simulation is output. An asset management simulation is calculated with the repayment difference as the amount of savings through asset management, The accumulated reserve amount of the user at a predetermined age or at a predetermined time By outputting The assets that can be expected by the user at a predetermined age or at a predetermined time, and the remaining debt after subtracting the accumulated reserve amount it is possible to know

[0010] In the Second embodiment of the present invention, in the loan refinancing support system according to the first embodiment, A predetermined time at the time of loan repayment by the extended borrowing and repayment simulation and it is what is done. According to this embodiment , the res By performing asset management, it is possible to predict the assets that can be expected at the time of loan repayment.

Example

[0011] 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 example 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.

[0012] FIG. 2 is an input information image diagram for inputting the current loan repayment information in S1 to the computer. In the repayment simulation calculation step by S2, based on the current loan repayment information, a current status repayment simulation is calculated, and the calculated current status repayment simulation is output (S21). In the current status repayment simulation by S21, it is preferable to output the current status repayment simulation from the start of loan repayment to completion and the current status repayment simulation for the remaining debt in the current status excluding the end of repayment.

[0013] Figure 3 is an output image diagram of the current status repayment simulation from the start of loan repayment to completion by S21, and Figure 4 is an output image diagram of the current status repayment simulation for the remaining debt in the current status 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.

[0014] Also, in the repayment simulation calculation step by S2, based on the current loan repayment information, adding the interest rate information after loan conversion, a loan conversion repayment simulation is calculated, and the calculated loan conversion repayment simulation is output (S22). The interest rate information after loan conversion includes the selection of fixed / variable, the selected current 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 status excluding the end of repayment by S22. In the refinancing repayment simulation shown in Fig. 5, the repayment period is the same as the current repayment simulation for the current outstanding balance shown in Fig. 4. In Fig. 5, the total borrowing amount (28,500,000 yen), repayment period (335 times (27 years and 11 months)), payoff 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. Note that the reason the total borrowing amount shown in Fig. 5 is more than the total borrowing amount shown in Fig. 4 is that the refinancing fees (bank fees, registration fees, brokerage fees) are included in the outstanding balance. In Fig. 5 compared to Fig. 4, the repayment period and payoff date are the same, but due to different interest rates resulting from refinancing, the total repayment amount, total interest amount, and total payment amount are different.

[0015] Compare and display the current repayment and the refinancing repayment based on the current repayment simulation for the current outstanding balance calculated in the repayment simulation calculation step by S2 and the refinancing repayment simulation for the current outstanding balance (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 refinancing repayment period is selected. As shown in Fig. 6, for the current repayment and the refinancing repayment, it is preferable to graphically display the change in the outstanding balance with one axis (vertical axis) being the repayment amount and the other axis (horizontal axis) being the user's repayment age. Also, display the comparison of the borrowing amount, total repayment amount, and total interest amount between the current repayment and the refinancing repayment.

[0016] 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.

[0017] When the computer receives the extended borrowing repayment period information (S3), it calculates an extended borrowing repayment simulation using the extended borrowing repayment period obtained by extending the repayment period used in the borrowing repayment simulation, and can calculate the repayment difference on the repayment date between the borrowing repayment simulation and the extended borrowing repayment simulation (S4). The extended borrowing repayment period information is input by entering a period exceeding the repayment period in the current repayment simulation for the current outstanding balance shown in FIG. 4. The extended borrowing repayment period information is input by entering the number of repayments until repayment, the year and month of repayment completion, and the user's age. When the computer determines the appropriateness of the input extended borrowing repayment period 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 extended 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 condition exceeding the repayment period to the user. If the user's age at the time of completion due to the extended borrowing repayment period exceeds the set age, it can support the user's input of the extended borrowing repayment period information by displaying the period setting condition in which the user's age does not exceed the set age to the user.

[0018] The computer outputs the payment difference due to the period extension calculated in S4 (S41). FIG. 7 is an output image diagram in the payment difference output step according to S41. The upper table and the lower table in FIG. 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), and the repayment amounts for each repayment date are displayed so that they can be compared. As shown in FIG. 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, the payment amounts before and after the period extension may be displayed, and the calculated payment difference may be displayed.

[0019] When the computer receives the asset management information (S5), it calculates an asset management savings 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 preset 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 tax-free, and a management interest rate exceeding the loan interest rate can be expected sufficiently.

[0020] The computer calculates an asset management simulation with the repayment difference as the amount saved by asset management according to 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 sum of the saved amount and the management profit. ulting Note that the year information may be displayed together with the user's age or instead of the user's age. The year information is, for example, year, month-year, or fiscal year.

[0021] And in Figure 8, "A" indicates the timing when the scheduled repayment amount by the extended loan repayment simulation calculated in S4 is equal to the scheduled savings amount by the asset management simulation. In this way, by outputting the timing A when the scheduled repayment amount by the extended loan repayment simulation is equal to the scheduled savings amount by the asset management simulation, it is possible to know the timing A when the loan repayment is substantially completed, and to grasp the merit of asset management with the repayment difference as the saved 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.

[0022] 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 performed, there will only be no remaining debt at the time of loan repayment completion B, but by performing 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, remaining debt By displaying the fluctuations over the years of the scheduled amount and the scheduled savings amount in one graph, it is possible to grasp the changes in the remaining balance and the savings amount of the borrowed money.

[0023] 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 the year information may be displayed together with the user's age or instead of the user's age. The year information is, for example, year, month-year, 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 of the accumulated deposit amount, asset management can be carried out according to the user's lifestyle.

[0024] When the accumulated amount change information is input (S11), the computer calculates the asset management accumulation amount simulation using the accumulated amount change information (S12). The accumulated amount change information is the change time and change amount of the accumulated amount. The change time of the accumulated amount includes the user's age at the time of change. In the step of calculating the asset management accumulation 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 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 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

[0025] According to the loan refinancing support system of the present invention, by extending the borrowing period, it is possible to create a 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 creation 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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