Loan refinancing support system

Abstract

To provide a refinancing support system that proposes asset management at the timing of loan refinancing.SOLUTION: A computer executes a repayment simulation output step of calculating and outputting a current repayment simulation and a refinancing repayment simulation on the basis of current loan repayment information, a repayment 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 the repayment difference on each repayment date between the current repayment simulation and the extended refinancing repayment simulation, and an asset management simulation output step of calculating and outputting an asset management simulation with the repayment difference as a saving amount obtained by asset management. The asset management simulation output step includes outputting at least one of the scheduled reserved amount, the scheduled remaining balance amount, and the difference between the scheduled reserved amount and the scheduled remaining balance amount at the predetermined age or predetermined point of time of a user.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 technology]

[0002] Given the current financial situation around the world, Japan's future interest rate policy is attracting attention, and there is a considerable demand for refinancing home loans. As a sales support system for mortgage refinancing, Patent Document 1 proposes a system that uses IT technology that utilizes GIS from a terminal to collect, exchange, and process data, builds a database and analysis system related to mortgages, extracts potential customers by extracting differences in changes over time from old and new housing maps, ranks potential customers by adding a judgment on the suitability of mortgage refinancing, and extracts promising sales candidates to efficiently support the sales activities of financial institutions. [Prior art documents] [Patent documents]

[0003] [Patent Document 1] Japanese Patent Application Laid-Open No. 2014-53048 Summary of the Invention [Problem to be solved by the invention]

[0004] The purpose of refinancing a mortgage is to change to a loan with a lower interest rate or to modify the loan to prepare for future interest rate increases, but there is no intention to use the time to refinance the loan to create funds for asset management.

[0005] The present invention aims to provide a loan refinancing support system that proposes asset management at the timing of loan refinancing. [Means for solving the problem]

[0006] The loan refinancing support system of the present invention described in claim 1 executes a repayment simulation output step in which 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 in which an extended refinancing repayment simulation is calculated using a refinancing repayment period that extends the repayment period used in the refinancing repayment simulation, and outputs the repayment difference on the repayment date between the current repayment simulation and the extended refinancing repayment simulation; and an asset management simulation output step in which an asset management simulation is calculated using the repayment difference as the savings amount through asset management, and outputs the calculated asset management simulation, wherein the asset management simulation output step outputs at least one of the user's planned savings amount, planned remaining debt amount, and the difference between the planned savings amount and the planned remaining debt amount at a specified age or at a specified time. The present invention as set forth in claim 2 is characterized in that, in the loan refinancing support system as set forth in claim 1, the predetermined time point is the time when the loan is fully repaid according to the extended refinancing repayment simulation. The present invention as set forth in claim 3 is characterized in that, in the loan refinancing support system as set forth in claim 1, the predetermined time point is set to the time when the user is scheduled to complete repayment of the current loan. The present invention described in claim 4 is characterized in that, in the loan refinancing support system described in claim 1, the specified point in time is the time when the planned repayment amount based on the extended refinancing repayment simulation and the planned savings amount based on the asset management simulation become the same amount. The present invention as described in claim 5 is characterized in that in the loan refinancing support system as described in claim 1, 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 in a graph. The present invention as set forth in claim 6 is characterized in that, in the loan refinancing support system as set forth in claim 1, the computer receives input of the withdrawal time and withdrawal amount for withdrawing from the planned reserve amount, calculates the asset management simulation based on the withdrawal using the received withdrawal time and withdrawal amount, and executes a withdrawal asset management simulation output step that outputs the time when the asset management will end and the total asset amount up to the end of the asset management. The present invention as described in claim 7 is characterized in that, in the loan refinancing support system as described in claim 1, the computer accepts input of the time and amount of change to the savings amount, calculates the asset management simulation with the change based on the accepted time and amount of change, and executes a modified asset management simulation output step that displays a graph with one axis representing the planned savings amount and the other axis representing the user's age. [Effects of the Invention]

[0007] According to the present invention, although the refinancing repayment period is extended, the actual refinancing repayment period through asset management can be predicted, and therefore asset management can be proposed at the timing of loan refinancing. [Brief explanation of the drawings]

[0008] [Figure 1] FIG. 1 is a flow chart showing the processing flow of a loan refinancing support system according to an embodiment of the present invention. [Figure 2] Image of input information for S1 to input current loan repayment information into the computer [Figure 3] Image of the output of the current repayment simulation using S21 from the start of loan repayment to the end [Figure 4] Output image of current repayment simulation for the current remaining balance excluding the completion of repayment by S21 [Figure 5] Output image of refinancing repayment simulation for the current remaining balance, excluding the completion of repayment by S22 [Figure 6]Comparison output image of current repayment and refinancing repayment by S23 [Figure 7] Output image of payment difference output step by S41 [Figure 8] Asset management simulation output image [Figure 9] Image of the output of the withdrawal asset management simulation [Figure 10] Image of output from the modified asset management simulation DETAILED DESCRIPTION OF THE INVENTION

[0009] The loan refinancing support system according to the first embodiment of the present invention executes a repayment simulation output step in which 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; a payment difference output step in which an extended refinancing repayment simulation is calculated using a refinancing repayment period that is an extension of the repayment period used in the refinancing repayment simulation, and outputs the repayment difference on the repayment date between the current repayment simulation and the extended refinancing repayment simulation; and an asset management simulation output step in which an asset management simulation is calculated using the repayment difference as the savings amount through asset management, and outputs the calculated asset management simulation, and the asset management simulation output step outputs at least one of the user's planned savings amount, planned remaining debt amount, and the difference between the planned savings amount and the planned remaining debt amount at a specified age or at a specified time. According to this embodiment, an extended refinancing repayment simulation is calculated using a refinancing repayment period that is an extension of the repayment period used in the refinancing repayment simulation, the repayment difference on the repayment date between the refinancing repayment simulation and the extended refinancing repayment simulation is output, an asset management simulation is calculated using the repayment difference as the savings amount through asset management, and at least one of the planned savings amount, the planned remaining debt amount, and the difference between the planned savings amount and the planned remaining debt amount at the user's specified age or specified time is output, thereby allowing the user to know the assets that can be expected at the specified age or specified time and the remaining debt minus the planned savings amount, and to grasp the benefits of asset management that uses the repayment difference as the savings amount. In other words, although the refinancing repayment period is extended, by being able to predict the actual refinancing repayment period through asset management, asset management can be proposed at the time of loan refinancing.

[0010] In the second embodiment of the present invention, the predetermined time point in the loan refinancing support system according to the first embodiment is set to the time of full repayment of the loan based on the extended refinancing repayment simulation. According to this embodiment, by performing asset management, it is possible to predict the assets that can be expected at the time of full repayment of the loan.

[0011] In the third embodiment of the present invention, the predetermined time point is set to the time when the user plans to fully repay the current loan in the loan refinancing support system according to the first embodiment. According to this embodiment, if asset management is not performed, the remaining debt will simply be zero when the loan is fully repaid. However, by performing asset management, it is possible to predict the assets that the user can expect to have when the user plans to fully repay the current loan.

[0012] In the fourth embodiment of the present invention, in the loan refinancing support system according to the first embodiment, the predetermined time point is set to the timing when the estimated repayment amount based on the extended refinancing repayment simulation and the estimated savings amount based on the asset management simulation become equal. According to this embodiment, it is possible to know the timing when the loan repayment will essentially end.

[0013] In the fifth embodiment of the present invention, in the loan refinancing support system according to the first embodiment, in the asset management simulation output step, one axis is used to plot the scheduled repayment amount and the scheduled savings amount, and the other axis is used to plot the user's age or year information. According to this embodiment, the annual fluctuations in the scheduled repayment amount and the scheduled savings amount are displayed on a single graph, so that the changes in the remaining loan amount and the savings amount can be grasped.

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

[0015] In the seventh embodiment of the present invention, in the loan refinancing support system according to the first embodiment, a computer receives input of the time and amount of a change in the savings amount, calculates an asset management simulation based on the received time and amount of the change, and executes a modified asset management simulation output step of displaying a graph with one axis representing the planned savings amount and the other axis representing the user's age. According to this embodiment, by outputting an asset management simulation based on a change in the savings amount, it is possible to manage assets in accordance with the user's lifestyle. [Example]

[0016] A loan refinancing support system according to an embodiment of the present invention will be described below with reference to Figures 1 to 10. In this embodiment, refinancing of a housing loan is shown. FIG. 1 is a flow chart showing the processing flow of the loan refinancing support system in this embodiment. When current loan repayment information is input (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 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 image diagram of input information for inputting current loan repayment information into the computer by S1. In the repayment simulation calculation step in S2, a current repayment simulation is calculated based on the current loan repayment information, and the calculated current repayment simulation is output (S21). In the current repayment simulation in S21, it is preferable to output a current repayment simulation from the start of loan repayment to full repayment, and a current repayment simulation for the current remaining balance excluding the end of repayment. Note that the current repayment simulation may take into account future expected interest rate fluctuations, etc.

[0018] Figure 3 is an image of the output of the current repayment simulation from the start of loan repayment to the end of repayment by S21, and Figure 4 is an image of the output of the current repayment simulation for the remaining balance at the current time excluding the end of repayment by S21. In Figure 3, the total loan amount (32,400,000 yen), repayment period (420 installments (36 years)), and full repayment date (2051 / 06 / 17) are fixed items, while the interest rate (step-type fixed (1.200%)), total repayment amount (42,108,113 yen), total interest (9,708,113 yen), and total payment amount (42,108,113 yen) are items that will fluctuate 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, as well as the increase or decrease in the principal balance and cumulative interest. Figure 4 displays the total loan amount (26,851,133 yen), repayment period (335 installments (27 years and 11 months)), repayment date (2051 / 06 / 17), interest rate (fixed step rate (1.200%)), total repayment amount (43,561,056 yen), total interest (16,709,923 yen), and total payment amount (43,561,056 yen).

[0019] In addition, in the repayment simulation calculation step in S2, a refinancing repayment simulation is calculated based on the current loan repayment information, adding interest rate information after refinancing, and the calculated refinancing repayment simulation is output (S22). The interest rate information after refinancing includes the selection of fixed or variable rate, the selected current interest rate, and future interest rates. Figure 5 shows an image of the output of the refinancing repayment simulation for the current remaining debt, excluding the completion of repayment in S22. In the refinancing repayment simulation shown in Figure 5, the repayment period is the same as that in the current repayment simulation for the current remaining balance shown in Figure 4. Figure 5 displays the total loan amount (28,500,000 yen), repayment period (335 installments (27 years and 11 months)), repayment date (2051 / 06 / 17), interest rate (fixed (1.150%)), total repayment amount (33,332,597 yen), total interest (4,832,597 yen), and total payment amount (33,332,597 yen). The total borrowing amount shown in Figure 5 is greater than the total borrowing amount shown in Figure 4 because refinancing costs (bank fees, registration fees, brokerage fees) are included in the remaining balance. In Figure 5, the repayment period and full repayment date are the same as in Figure 4, but the interest rate is different due to refinancing, so the total repayment amount, total interest, and 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 in S2 are used to compare and display the current repayment and the refinancing repayment (S23). Figure 6 is an image of the comparison output of current repayment and refinancing repayment by S23. Note that Figure 6 shows the case where refinancing repayment is selected as a lump sum with a fixed interest rate for the entire term. As shown in Figure 6, it is preferable to graph the changes in the remaining balance for current repayment and refinancing repayment, with one axis (vertical axis) representing the repayment amount and the other axis (horizontal axis) representing the user's repayment age. Also, a comparison of the loan amount, total repayment amount, and total interest for current repayment and refinancing repayment is displayed.

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

[0022] When the refinancing repayment period extension information is input (S3), the computer calculates an extended refinancing repayment simulation using a refinancing repayment period that is an extension of the repayment period used in the refinancing repayment simulation, and can calculate the difference in repayment amount on the repayment date between the current repayment simulation and the extended refinancing repayment simulation (S4). Note that the current repayment simulation in S4 can also take into account expected future interest rate fluctuations, etc. Also, S4 may calculate the difference in repayment amount on the repayment date between the refinancing repayment simulation and the extended refinancing repayment simulation. The refinancing repayment period extension information is entered as a period that exceeds the repayment period in the current repayment simulation for the current remaining balance shown in Figure 4. The refinancing repayment period extension information is entered by entering the number of repayments until repayment, the year and month of completion of repayment, and the user's age. When the computer determines the appropriateness of the input refinancing repayment period extension information, the computer determines whether the period is set to exceed the current repayment period, and whether the user's age at the time of full repayment due to the extension of the refinancing repayment period will exceed a set age (e.g., 82 years old). If the period is set to not exceed the current repayment period, the computer displays to the user a period setting condition that exceeds the repayment period, and if the user's age at the time of full repayment due to the extension of the refinancing repayment period will exceed the set age, the computer can support the user in inputting the refinancing repayment period extension information.

[0023] The computer outputs the difference in payment due to the extension of the term calculated in S4 (S41). FIG. 7 is an image diagram of the output in the payment difference output step in S41. The upper and lower tables in Figure 7 assume the same total loan amount (29,100,000 yen) and interest rate (fixed (0.950%)), with the upper table assuming a repayment period of 335 installments (27 years and 11 months) and the lower table assuming a repayment period of 420 installments (35 years).The repayment amounts for each repayment date are displayed so that they can be compared. Then, as shown in Figure 7, the first repayment amount in the upper table (98,927 yen) and the first repayment amount in the lower table (81,468 yen) are displayed. In this way, the payment amounts at the same time before and after the extension of the period are displayed. The calculated difference in payments may also be displayed. Figure 7 shows the case of a fixed interest rate, but the repayment amounts at the same time or for the same period are displayed in the same way even with a variable interest rate.

[0024] When the asset management information is input (S5), the computer calculates an asset management savings amount simulation using the difference in payments due to the extension of the period calculated in S4 (S6). The asset management information includes the investment period (savings period) and the investment yield (annual interest rate). The investment yield can be selected by the user from pre-set options based on past data and future prospects depending on the asset management method. Examples of asset management methods include investment trusts, and it is preferable to use investment trusts using a NISA account. Under the Accumulation NISA system from 2024 onwards, there are no restrictions on the investment period or withdrawal of funds, profits during the investment are tax-free, and investment yields that exceed loan interest rates can be expected.

[0025] The computer calculates an asset management simulation in which the repayment difference in S6 is set as the amount of savings through asset management, and outputs the calculated asset management simulation (S7). Figure 8 shows an image of the output 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. Here, the scheduled repayment amount is the remaining debt amount, and the scheduled savings amount is the savings amount plus investment profits. Note that year information may be displayed along with or instead of the user's age. Year information may be, for example, year, year-month, or fiscal year.

[0026] In FIG. 8, "A" indicates the timing when the planned repayment amount calculated in S4 based on the extended refinancing repayment simulation and the planned savings amount calculated in the asset management simulation become equal. In this way, by outputting the timing A when the estimated repayment amount based on the extended refinancing repayment simulation and the estimated savings amount based on the asset management simulation become equal, it is possible to know the timing A when the loan repayment will effectively end, and to grasp the benefits of asset management that uses the difference in repayment amount as the savings amount. In other words, although the refinancing repayment period is extended, it is possible to predict the actual refinancing repayment period through asset management. Then, by outputting the user's age or year information at time A when the planned repayment amount and the planned savings amount become equal, it is possible to know the age or year when the loan repayment will actually end.

[0027] Also, in Figure 8, "B" indicates the time when the loan is fully repaid in the extended refinancing repayment simulation, and the planned savings amount at time B when the loan is fully repaid is output. If asset management is not performed, B will simply have no remaining debt when the loan is fully repaid, but by performing asset management, it is possible to predict the assets that can be expected at the time the loan is fully repaid. In addition, by outputting the user's age or year information at time B when the loan is fully repaid, it is possible to know the age or year when the loan repayment will be completed. As shown in Figure 8, by displaying the yearly fluctuations in the planned balance of debt and the planned savings amount in a single graph, it is possible to grasp the changes in the remaining loan amount and the savings amount. As shown in "C" in Figure 8, it is preferable to output at least one of the planned savings amount, the planned balance of debt, and the difference between the planned savings amount and the planned balance of debt at the user's specified age or specified time. For example, by setting the user's specified age or specified point in time C as the time when the user plans to pay off their current loan, if asset management is not performed, there will simply be no remaining debt when the loan is paid off, but by performing asset management, it is possible to predict the assets that can be expected when the user plans to pay off their current loan.

[0028] When the withdrawal information is input (S8), the computer uses the withdrawal information to calculate an asset management savings amount simulation (S9). The withdrawal information includes the withdrawal time and withdrawal amount from the planned savings amount. The withdrawal time includes the user's age at the time of withdrawal. In the asset management reserve amount simulation calculation step in S9, an asset management simulation based on withdrawal is calculated based on the accepted withdrawal time and withdrawal amount. Then, an asset management simulation based on the calculated withdrawal is output (S10). In the withdrawal asset management simulation output step in S10, the time of asset management termination and the total asset amount until the end of asset management are output. Figure 9 shows an image of the output of the withdrawal asset management simulation. In Figure 9, one axis (vertical axis) represents the planned savings amount, and the other axis (horizontal axis) represents the user's age. Note that year information may be displayed along with or instead of the user's age. Year information may be, for example, year, year-month, or fiscal year. Figure 9 shows the case where the user's age is year C and the withdrawal amount is entered as 200,000 yen / month, and the total assets from the savings are 24,358,356 yen, indicating that the user can receive 200,000 yen / month until age 82. As shown in Figure 9, by outputting an asset management simulation based on withdrawals from the planned savings amount, asset management can be tailored to the user's lifestyle.

[0029] When the savings amount change information is input (S11), the computer uses the savings amount change information to calculate an asset management savings amount simulation (S12). The savings amount change information includes the time of change to the savings amount and the change amount. The time of change to the savings amount includes the user's age at the time of the change. In the asset management reserve amount simulation calculation step in S12, an asset management simulation based on the change is calculated based on the accepted change time and change amount. Then, the calculated modified asset management simulation is output (S13). In the modified asset management simulation output step in S13, a graph is displayed with one axis representing the planned savings amount and the other axis representing the user's age. Figure 10 shows an image of the output of the modified asset management simulation. In FIG. 10, one axis (vertical axis) represents the planned savings amount, and the other axis (horizontal axis) represents the user's age. Year information may be displayed along with or instead of the user's age. Year information may be, for example, the year, year-month, or fiscal year. Figure 10 shows the case where the change time is when the user's age reaches year D (65 years old), and for example, the savings amount can be changed to zero or reduced to half from the retirement age of 64. Figure 10 shows that the savings will be withdrawn from the year when the user reaches age C. As shown in FIG. 10, by outputting an asset management simulation with changes in the savings amount, asset management can be tailored to the user's lifestyle. [Industrial Applicability]

[0030] According to the loan refinancing support system of the present invention, by extending the loan period, it is possible to generate capital through asset management, and by managing assets at a rate of return higher than the loan interest rate, it is possible to shorten the actual refinancing repayment period and predict the creation of assets.

Claims

1. The computer a repayment simulation output step of calculating 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 outputting the calculated current repayment simulation and the refinancing repayment simulation; a payment difference output step of calculating an extended refinancing repayment simulation using a refinancing repayment period obtained by extending the repayment period used in the refinancing repayment simulation, and outputting the repayment difference on the repayment date between the current 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 The asset management simulation output step outputs at least one of the planned savings amount, the planned remaining debt amount, and the difference between the planned savings amount and the planned remaining debt amount at the user's predetermined age or at a predetermined time. A loan refinancing support system characterized by:

2. The predetermined time is set to the time when the loan is fully repaid in the extended refinancing repayment simulation.

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

3. The predetermined time is set as the time when the user plans to pay off the current loan.

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

4. The predetermined time point is set as the timing when the planned repayment amount based on the extended refinancing repayment simulation and the planned savings amount based on the asset management simulation become equal.

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

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 input of the withdrawal time and withdrawal amount for withdrawing from the planned reserve amount, calculating the asset management simulation based on the withdrawal time and withdrawal amount received, and outputting the time when the asset management will end and the total asset amount up to 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 the 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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