Real estate registration application information search device, real estate registration application information search method, and program

Abstract

To provide a real estate registration application information search device, a real estate registration application information search method, and a program that accurately extract prospective properties eligible for loan refinancing.SOLUTION: Prospective properties eligible for loan refinancing that meet first through third conditions are extracted. The second condition is either that: a property has registration application information containing information indicating an establishment of a mortgage, but has no registration application information containing information indicating a cancellation whose date of receipt is later than the registration application information; a property has registration application information containing information indicating an establishment of a mortgage, but has no registration application information containing information indicating an establishment of a revolving mortgage; or a property has registration application information containing information indicating an establishment of a mortgage, but has neither registration application information containing information indicating a cancellation whose date of receipt is later than the registration application information, nor registration application information containing information indicating an establishment of a revolving mortgage.SELECTED DRAWING: Figure 1

Description

[Technical Field]

[0001] The present invention relates to a real estate registration application information search device, a real estate registration application information search method, and a program. [Background technology]

[0002] Patent Document 1 describes a technology for extracting properties as potential candidates for loan refinancing that satisfy the first condition that the information indicating the purpose of registration includes information indicating newness and the information indicating the use of the real estate includes information indicating a house and is a property for which registration application information exists in a registration application information storage means; the second condition that the information indicating the purpose of registration includes information indicating the establishment of a mortgage and is a property for which registration application information exists in a registration application information storage means; and the third condition that the information indicating the date of acceptance of the registration application in the registration application information for which the information indicating the purpose of registration includes information indicating the establishment of a mortgage is within the loan start period. [Prior art documents] [Patent documents]

[0003] [Patent Document 1] Japanese Patent Application Laid-Open No. 2015-179553 Summary of the Invention [Problem to be solved by the invention]

[0004] However, with the technology described in Patent Document 1, properties that are unlikely to be eligible for loan refinancing may be extracted as eligible for loan refinancing.

[0005] The present invention has been made in consideration of the above-mentioned situation, and one of its purposes is to provide a real estate registration application information search device, a real estate registration application information search method, and a program that have high accuracy in extracting properties that are likely to be eligible for loan refinancing. [Means for solving the problem]

[0006] In order to solve the above problem, the real estate registration application information search device according to the present invention comprises: registration application information storage means for storing registration application information associated with information indicating the date of acceptance of the registration application, information for specifying the location of the real estate for which the registration application has been applied, information indicating the purpose of the registration, and information indicating the use of the real estate for which the registration application has been applied; loan refinancing search input receiving means for receiving a search instruction for real estate for which refinancing of a real estate mortgage may occur when a transition from a fixed interest rate period to a variable interest rate occurs; loan refinancing occurrence period receiving means for acquiring a loan refinancing occurrence period for which refinancing of a real estate mortgage corresponding to the transition from the fixed interest rate period to the variable interest rate may occur; loan start period calculation means for calculating a loan start period indicating a period during which the real estate mortgage started, based on a pre-stored interest rate fixed period or an interest rate fixed period acquired by input and the loan refinancing occurrence period; and loan refinancing prospective target property search means for extracting loan refinancing prospective target properties that meet all of a first condition, a second condition, and a third condition based on the search instruction, The first condition is a condition that the information indicating the purpose of the registration includes information indicating new registration, and the information indicating the use of the real estate includes information indicating a house, and the registration application information is a property that exists in the registration application information storage means; the second condition is a condition that the information indicating the purpose of the registration includes information indicating the establishment of a mortgage, and the registration application information, the date of acceptance of which is later than that of the registration application information, includes information indicating cancellation, and the information indicating the purpose of the registration does not exist in the registration application information storage means; The condition is that the registration application information including information indicating the establishment of a right exists in the registration application information storage means, and the registration application information including information indicating the establishment of a mortgage in the information indicating the purpose of the registration is a property that does not exist in the registration application information storage means, or the registration application information including information indicating the establishment of a mortgage in the information indicating the purpose of the registration is present in the registration application information storage means, and the registration application information that has a later date of acceptance than the registration application information includes information indicating cancellation in the information indicating the purpose of the registration, and the registration application information that includes information indicating the establishment of a mortgage in the information indicating the purpose of the registration is alsoThe third condition is that the information indicating the date of acceptance of the registration application in the registration application information, in which the information indicating the purpose of the registration includes information indicating the establishment of a mortgage, is within the loan start period.

[0007] Furthermore, the real estate registration application information search method according to the present invention includes a registration application information storage means for storing registration application information associated with information indicating the date of acceptance of the registration application, information for identifying the location of the real estate for which the registration application has been applied, information indicating the purpose of the registration, and information indicating the use of the real estate for which the registration application has been applied, a loan refinancing search input receiving means for receiving a search instruction for real estate for which refinancing of a real estate mortgage loan may occur when a transition from a fixed interest rate period to a variable interest rate occurs, and a loan refinancing occurrence period receiving means for receiving a search instruction for real estate for which a transition from the fixed interest rate period to the variable interest rate occurs. A loan refinancing occurrence period during which a mortgage refinancing may occur is acquired, and a loan start period calculation means calculates a loan start period indicating the period during which the real estate mortgage has commenced based on a pre-stored interest rate fixed period or an interest rate fixed period acquired by input and the loan refinancing occurrence period, and a loan refinancing prospect target property search means extracts a loan refinancing prospect target property that matches all of the first condition, the second condition, and the third condition based on the search instruction, and the first condition is a condition that the information indicating the purpose of the registration does not include information indicating new. The second condition is a condition that the registration application information includes information indicating the establishment of a mortgage in the information indicating the purpose of the registration, is present in the registration application information storage means, and the registration application information, the date of receipt of which is later than that of the registration application information, includes information indicating cancellation in the information indicating the purpose of the registration, is a property that does not exist in the registration application information storage means; the second condition is a condition that the registration application information includes information indicating the establishment of a mortgage in the information indicating the purpose of the registration, is present in the registration application information storage means, and the second condition is a condition that the registration application information includes information indicating the establishment of a mortgage in the information indicating the purpose of the registration, is present in the registration application information storage means, and the second condition is a condition that the registration application information includes information indicating cancellation in the information indicating the purpose of the registration, is present in the registration application information storage means, and ... the establishment of a mortgage in the information indicating the purpose of the registration, is present in the registration application information storage means, and the second condition is a condition that the registration application information includes information indicating the establishment of a mortgage in the information indicating the purpose of the registration, is present in the registration application information storage means, and the second condition is a condition that the registration application information includes information indicating the establishment of a mortgage in the information indicating the purpose of the registration, a condition that registration application information that exists in an application information storage means and includes information indicating the establishment of a mortgage in the information indicating the purpose of the registration is a property that does not exist in the registration application information storage means, or a condition that registration application information that exists in the registration application information storage means and includes information indicating the establishment of a mortgage in the information indicating the purpose of the registration, and registration application information that has a later date of acceptance than the registration application information in question and includes information indicating cancellation in the information indicating the purpose of the registration, and registration application information that includes information indicating the establishment of a mortgage in the information indicating the purpose of the registration are properties that do not exist in the registration application information storage means;The third condition is that the information indicating the date of acceptance of the registration application in the registration application information, in which the information indicating the purpose of the registration includes information indicating the establishment of a mortgage, is within the loan start period.

[0008] Furthermore, the program according to the present invention causes a computer of a real estate registration application information search device, which includes registration application information storage means for storing registration application information associated with information indicating the date of acceptance of a registration application, information for specifying the location of the real estate for which a registration application has been applied, information indicating the purpose of the registration, and information indicating the use of the real estate for which a registration application has been applied, to function as: loan refinancing search input receiving means for receiving a search instruction for real estate for which refinancing of a real estate mortgage may occur when a transition from a fixed interest rate period to a variable interest rate occurs; loan refinancing occurrence period receiving means for acquiring a loan refinancing occurrence period for which refinancing of a real estate mortgage may occur corresponding to the transition from the fixed interest rate period to the variable interest rate; loan start period calculation means for calculating a loan start period indicating the period during which a real estate mortgage started, based on a pre-stored interest rate fixed period or an interest rate fixed period acquired by input, and the loan refinancing occurrence period; and loan refinancing prospective target property search means for extracting loan refinancing prospective target properties that meet all of the first condition, the second condition, and the third condition, based on the search instruction; The first condition is that the information indicating the purpose of the registration includes information indicating newness, and the information indicating the use of the real estate includes information indicating a house, and the registration application information is a property that exists in the registration application information storage means; the second condition is that the information indicating the purpose of the registration includes information indicating the establishment of a mortgage, and the registration application information, the date of receipt of which is later than that of the registration application information, includes information indicating cancellation, and the information indicating the purpose of the registration is a property that does not exist in the registration application information storage means; The condition is that registration application information including information indicating the establishment of a mortgage exists in the registration application information storage means, and registration application information including information indicating the establishment of a mortgage in the information indicating the purpose of the registration is for a property that does not exist in the registration application information storage means, or registration application information including information indicating the establishment of a mortgage in the information indicating the purpose of the registration exists in the registration application information storage means, and the registration application information that has a later date of acceptance than the registration application information includes information indicating cancellation in the information indicating the purpose of the registration, and registration application information that includes information indicating the establishment of a mortgage in the information indicating the purpose of the registration is alsoThe third condition is that the information indicating the date of acceptance of the registration application in the registration application information, in which the information indicating the purpose of the registration includes information indicating the establishment of a mortgage, is within the loan start period. [Brief explanation of the drawings]

[0009] [Figure 1] 1 is a block diagram showing the configuration of a real estate registration application information search device. [Figure 2] FIG. 10 is a diagram illustrating an example of a search screen. [Figure 3] FIG. 10 is a diagram illustrating an example of a processing flow of a real estate registration application information search device. [Figure 4] FIG. 10 is a diagram showing an example of a generated search result screen. [Figure 5] FIG. 10 is a diagram illustrating an example of a search result screen. [Figure 6] FIG. 10 is a diagram illustrating an example of another processing flow of the real estate registration application information search device. [Figure 7] FIG. 10 is a diagram showing an example of registration application information data. [Figure 8A] FIG. 10 is a diagram illustrating an example of another processing flow of the real estate registration application information search device. [Figure 8B] FIG. 10 is a diagram illustrating an example of another processing flow of the real estate registration application information search device. DETAILED DESCRIPTION OF THE INVENTION

[0010] Hereinafter, an embodiment of the present invention will be described in detail with reference to the drawings.

[0011] FIG. 1 is a block diagram showing the configuration of a real estate registration application information search device 1 according to this embodiment. As shown in FIG. 1, the real estate registration application information search device 1 according to this embodiment includes an input receiving unit 11, a display processing unit 12, a search processing unit 13, a prediction processing unit 14, a control unit 15, a land parcel master number database 16, a residential map database 17, a cadastral map database 18, and a registration application information database 19. In this embodiment, the real estate registration application information search device 1 is connected to an external terminal device 2 via a communications network. The real estate registration application information search device 1 according to this embodiment performs processing such as searching for registration application information based on a request from the terminal device 2, and transmits the results to the terminal device 2. In addition to performing search processing based on a request from the terminal device 2, the device may also be configured to directly accept a request and output search results to a monitor connected to the device itself.

[0012] Here, the input receiving unit 11 is a processing unit that receives information input from the terminal device 2 via a communications network. The display processing unit 12 is a processing unit that generates screen information displaying search results and the like and sends it to the terminal device 2, etc. The search processing unit 13 is a processing unit that searches for registration application information desired by the user of the terminal device 2, as well as maps and cadastral maps for identifying the location of real estate described in the registration application information. The prediction processing unit 14 is a processing unit that extracts registration application information related to real estate that is predicted to have increased business value in the future from the search results of the search processing unit 13. The control unit 15 is a control unit that controls each processing unit of the real estate registration application information search device 1. The parcel number parent number database 16 stores the parent number of the parcel number and a parent number image for displaying an icon of the parent number superimposed on a map. For example, in the notation XX-cho 100-1, 100 is the parent number. The "1" following the hyphen is the branch number. The residential map database 17 stores address information and residential map image information corresponding to the parent number of the parcel number. The cadastral map database 18 stores information on cadastral map images corresponding to the parent numbers of the parcel numbers. The registration application information database 19 stores registration application information corresponding to the contents of a real estate registration receipt book managed by the Legal Affairs Bureau, for example.

[0013] The real estate registration application information search device 1 in this embodiment performs a process of displaying and outputting a cadastral map corresponding to the parent number of the parcel number separately from the parent number display map by accepting the selection of the parent number of the parcel number, and a process of displaying and outputting the registration application information corresponding to the parent number based on the selection of the parent number of the parcel number.In addition, the real estate registration application information search device 1 performs a process of extracting registration application information related to real estate that can be predicted to have an increase in business value in the future from the searched registration application information.

[0014] Fig. 2 is a diagram showing an example of a search screen that the real estate registration application information search device 1 transmits to the terminal device 2 based on access from the terminal device 2. As shown in Fig. 2, this search screen displays information input fields for issuing an instruction to search for an address, an information input field for specifying the purpose of registration, an information input field for specifying a period, and an information input field (logic button) for issuing an instruction to extract registration application information related to real estate whose business value is predicted to increase in the future. A user of the terminal device 2 specifies and selects each piece of information on the search screen displayed on the monitor of the terminal device 2, and issues instructions such as starting a search.

[0015] 3 is a diagram showing an example of a processing flow of the real estate registration application information search device 1. Details of the processing of the real estate registration application information search device 1 will be explained below.

[0016] When a user wishes to view registration application information for a specific region, the user operates the terminal device 2 to access the real estate registration application information search device 1. The display processing unit 12 of the real estate registration application information search device 1 then transmits data of a search screen (FIG. 2) to the terminal device 2 (step S101), causing the search screen to be displayed on the monitor of the terminal device 2. The user inputs the address to be searched, the purpose of registration, and the period (the period for which the registration application information was applied) on this search screen, and presses the search button. The terminal device 2 then transmits a search request containing the information entered on the search screen to the real estate registration application information search device 1, and the input receiving unit 11 of the real estate registration application information search device 1 receives the search request (step S102). The search processing unit 13 of the real estate registration application information search device 1 then detects the information entered on the terminal device 2 stored in the search request and starts a search process based on the search conditions (step S103).

[0017] First, the search processing unit 13 identifies the parent number of the parcel number from the residential map database 17 based on the address information of the search target stored in the received search request (step S104). For example, if the address is Shinjuku Ward, Tokyo, the parent number of the parcel number of a predetermined location recorded in association with the information of Shinjuku Ward, Tokyo is read from the residential map database 17. Then, a parent number image of a predetermined display range centered on the parent number of the identified parcel number is read from the parcel number and parent number database 16 (step S105). Furthermore, a map image of a predetermined display range centered on the predetermined location corresponding to the parent number of the identified parcel number is read from the residential map database 17 (step S106), and a cadastral map image recorded in the cadastral map database 18 in association with the parcel number and its parent number read from the parcel number and parent number database 16 is read (step S107). Furthermore, the search processing unit 13 searches the registration application information database 19 for registration application information including the parcel number and its parent number read from the parcel number and parent number database 16 (step S108). For example, if the address is Shinjuku Ward, Tokyo, multiple pieces of registration application information in which the number is recorded are searched for based on the parcel number corresponding to Shinjuku Ward, Tokyo and its parent number.The search processing unit 13 then outputs the search results, namely, the map image, caucus image, and parent number image data, as well as the registration application information data, to the display processing unit 12.The display processing unit 12 generates a search result screen that displays the map image, caucus image, parent number image, and search result registration application information on the terminal device 2 based on the map image data, caucus image data, parent number image data, and registration application information output from the search processing unit 13, and transmits the data of the search result screen to the terminal device 2 via the communication network (step S109).The terminal device 2 then displays the search result screen on its monitor.

[0018] FIG. 4 shows an example of a generated search result screen. FIG. 5 shows an example of a search result screen. As shown in FIG. 4, the display processing unit 12 superimposes the parent number image on a map image of a predetermined display range centered on the location of the specified point of the parent number of the identified parcel number, using the parent number of the identified parcel number as a reference, to generate a parent number-displayed map image in which the parent number is displayed on the map image. Then, data for a search result screen that separately displays the parent number-displayed map image, the cadastral map image, and the registration application information is generated and transmitted to the terminal device 2. The parent number displayed on the map image is embedded in the map image, for example, as an icon. The search result screen data includes a program that allows the terminal device 2 to transmit a registration application information extraction request containing the parcel number and parent number when the user selects the display range of the parent number icon with a mouse or the like. Therefore, the user can narrow down and search for registration application information containing that parent number by selecting a specific parent number from the multiple parent numbers displayed on the search result screen with a mouse or the like. In addition, based on a registration application information extraction request, the real estate registration application information search device 1 will extract only the registration application information that contains the parent number of the specified land lot number, and transmit the extraction results to the terminal device 2.

[0019] This allows the user who issued the search command to effortlessly view the map and cadastral map corresponding to the specified address, and also to easily view real estate registration application information identified by the parent number of the parcel number on the cadastral map. Therefore, based on the registration application information in the desired area, it is possible to effortlessly conduct real estate trend research when considering business involving the transfer of real estate rights, etc.

[0020] 6 is a diagram showing another example of the processing flow of the real estate registration application information search device 1. Next, the processing flow of the prediction processing unit 14 of the real estate registration application information search device 1 will be described.

[0021] The user of the terminal device 2 can issue an instruction to extract registration application information related to real estate whose business value is expected to increase in the future from the registration application information displayed on the search result screen or from the registration application information stored in the registration application information database 19. In this embodiment, the following registration application information is extracted: real estate (detached houses, condominiums) occupied by people who will refinance their loans in the future (hereinafter, “properties expected to be refinanced”); land on which new construction is expected in the future (hereinafter, “properties expected to be new construction”); and land or buildings on which sales are expected in the future (hereinafter, “properties expected to be sold”). By extracting registration application information related to properties expected to be refinanced, financial institutions and other businesses can determine whether the owner of the real estate is likely to refinance their loan, allowing them to encourage the owner to refinance their loan themselves. Furthermore, by extracting registration application information related to properties expected to be new construction, construction companies can encourage the owner of the real estate to commission their company to build the property. Furthermore, by extracting registration application information related to properties that are expected to be sold, real estate brokerage firms can encourage owners of those properties to act as real estate brokerage firms themselves.

[0022] In this process, the terminal device 2 first accepts from the user a selection of one of the target properties for extraction, "Property expected to be refinanced," "Property expected to be newly built," or "Property expected to be sold," from among the information input fields (logic buttons) displayed on the search screen for issuing instructions to extract registration application information (step S201). Then, if necessary, the terminal device 2 displays a search condition input field for searching the selected target property information for extraction (Property expected to be refinanced, Property expected to be newly built, Property expected to be sold). The search condition input field may be pre-displayed on the search screen. Alternatively, the search condition input field may not be displayed. Then, the terminal device 2 transmits an extraction request to the real estate registration application information search device 1, storing the selected target property information for extraction (Property expected to be refinanced, Property expected to be newly built, Property expected to be sold) and, if necessary, the information entered in the search condition input field (step S202). When the real estate registration application information search device 1 receives an extraction request (step S203), the prediction processing unit 14 extracts the extraction target property information (properties likely to be refinanced, properties likely to be newly built, or properties likely to be sold) and search conditions from the extraction request, and extracts registration application information corresponding to the extraction target property information based on that information (step S204).Then, the display processing unit 12 generates an extraction result screen showing the extraction results (step S205) and transmits it to the terminal device 2 (step S206).As a result, the terminal device 2 displays the extraction result screen (step S207), allowing the user to refer to registration application information related to properties likely to be refinanced, properties likely to be newly built, and properties likely to be sold.

[0023] Next, the details of the process for extracting properties eligible for loan refinancing will be described. First, when a property eligible for loan refinancing is selected, the terminal device 2 displays on the monitor an input field for search conditions for accepting input of the loan refinancing target period. The loan refinancing target period is a period for identifying real estate properties during which the loan interest rate will change from the initial fixed rate after the loan commences to a variable rate. Some real estate mortgage loans have a fixed-rate period that ends three or five years after borrowing and then transitions to a variable rate. Therefore, by specifying the loan refinancing target period as a search condition, properties whose fixed-rate period ends during that period can be searched for, making it possible to encourage the owner of the real estate property to refinance their loan. Then, after accepting input of the loan refinancing target period in the search condition input field, the terminal device 2 transmits an extraction request to the real estate registration application information search device 1, storing information indicating the property eligible for loan refinancing and the loan refinancing target period.

[0024] Next, when the real estate registration application information search device 1 receives an extraction request, the prediction processing unit 14 detects information indicating a property that is likely to be a target for loan refinancing and the target period for loan refinancing from the extraction request. The prediction processing unit 14 then reads the interest rate fixed period (e.g., 3 or 5 years) stored in advance in a memory or the like. Note that this interest rate fixed period may be entered by a user of the terminal device 2 in an input field for search conditions and accepted. The prediction processing unit 14 then calculates a loan start period that indicates a period prior to the target period for loan refinancing by the amount indicated by the interest rate fixed period. In other words, if the input of each date six months to one year after the current date is accepted as the target period for loan refinancing, and the interest rate fixed period is three years, the loan start period is calculated as each date two and a half years to two years before the current date. Note that if a registration application is made during this loan start period, it can be determined that the property is likely to be a target for loan refinancing, in which loan refinancing will occur during the target period for loan refinancing.

[0025] The prediction processing unit 14 then extracts, as a loan refinancing prospect search result, registration application information for properties eligible for loan refinancing that meet all of the first, second, and third conditions for the loan refinancing prospect search from the registration application information database 19 or the registration application information output on the search result screen. Here, the first condition for the loan refinancing prospect search is, for example, a condition that the property is one for which registration application information exists in which the information indicating the purpose of registration includes information indicating newness (registration purpose = title) and the information indicating the use of the real estate includes information indicating a house (use = building, condominium). The second condition for a search for prospects for loan refinancing is, for example, a condition that the property is one for which there exists registration application information in which the information indicating the purpose of registration includes information indicating the establishment of a mortgage (registration purpose = mortgage establishment), and there exists no registration application information in which the information indicating the purpose of registration includes information indicating cancellation (registration purpose = cancellation) and no registration application information in which the information indicating the purpose of registration includes information indicating the establishment of a mortgage (registration purpose = mortgage establishment) that has a later date of acceptance than the registration application information.The third condition for a search for prospects for loan refinancing is a condition that the information indicating the acceptance date of the registration application in registration application information in which the information indicating the purpose of registration includes information indicating the establishment of a mortgage is within the loan start period.

[0026] In addition, properties that further meet the condition that the information indicating the purpose of registration is a property for which registration application information exists that includes information indicating the preservation of ownership (registration purpose = preservation of ownership) may be extracted as search results for potential loan refinancing targets.

[0027] Fig. 7 is a diagram showing an example of data for registration application information. As shown in Fig. 7, the registration application information is data that associates an ID that identifies the application, the associated file name related to the application, the request date when the registration application was requested, the start and end dates of the request period, the name of the Legal Affairs Bureau, the date when the registration application was received, the reception number, and the prefecture name, city, ward, town, village name, Oaza / cho name, lot number and house number, lot number after subdivision, number of extra parcels, address, purpose of registration, and the like, which are information that identifies the subject property for which registration is requested, and the information shown in Fig. 7 is recorded for each registration application information.

[0028] Here, an example of the flow of the above processing by the prediction processing unit 14 will be described with reference to FIGS. 8A and 8B. In the following description, it is assumed that the entire set of registration application information (hereinafter referred to as target registration application information) that is the target of the processing shown in steps S301 to S313 is predetermined. According to the above processing by the prediction processing unit 14, first, the prediction processing unit 14 extracts registration application information for which the registration purpose is recorded as “title” from the entire set of target registration application information (step S301). This is because a registration purpose of “title” indicates a new registration application, and when a new building such as a house or condominium is purchased, the registration application is filed with the registration purpose recorded as “title.” Furthermore, the prediction processing unit 14 extracts registration application information for which the use is recorded as “building” or “condominium” from the extraction result of step S301 (step S302). This is because it can be determined that if the use is “building,” it is registration application information for a detached house, and if the use is “condominium,” it is registration application information for a condominium. Then, the prediction processing unit 14 identifies the property for which the registration application is to be made, which is indicated by the registration application information extracted in this manner (step S303). Hereinafter, the property identified in this manner will be referred to as a property candidate for which the first loan is expected to be refinanced. As described above, the registration application information includes information for identifying the property for which the registration application is to be made, so it is possible to identify the property for which the registration application is to be made, which is indicated by the registration application information, based on the registration application information.

[0029] Next, the prediction processing unit 14 extracts registration application information for which the registration purpose is recorded as "ownership preservation" from all of the target registration application information (step S304). This is because if the registration purpose is "ownership preservation," it indicates that the registration applicant is applying to preserve ownership of the real estate property, thereby indicating that the right to own the real estate will be transferred to the registration applicant. The prediction processing unit 14 then narrows down the target properties for registration application indicated by the extracted registration application information from the candidates for properties expected to be eligible for first loan refinancing (step S305). The target properties narrowed down in this way will be called candidates for properties expected to be eligible for second loan refinancing.

[0030] The prediction processing unit 14 also extracts registration application information in which the registration purpose is recorded as "mortgage establishment" from the entire target registration application information (step S306). This is because if the registration purpose is "mortgage establishment," it can be identified as registration application information that clearly indicates that a mortgage has been established on the property as a result of a loan provided by a financial institution. The prediction processing unit 14 then narrows down the target properties for registration application indicated by the extracted registration application information from the potential target properties for second loan refinancing (step S307). The target properties narrowed down in this way will be called potential target properties for third loan refinancing.

[0031] The prediction processing unit 14 then extracts, from the entire target registration application information, registration application information that includes information identifying a potential third-loan refinancing target property, and whose registration purpose is recorded as "cancellation" for the potential third-loan refinancing target property, and whose date of receipt is later than that of registration application information in which the registration purpose for the potential third-loan refinancing target property is recorded as "mortgage establishment" for the potential third-loan refinancing target property (step S308). That is, the prediction processing unit 14 extracts registration application information related to a cancellation registration for the potential third-loan refinancing target property that was made after the mortgage establishment registration for the potential third-loan refinancing target property. If a cancellation registration has been made after the mortgage establishment registration, it is likely that the property has already had its loan paid off or has already had its loan refinanced, and such a property is unlikely to undergo further loan refinancing. Then, the prediction processing unit 14 excludes the properties for which registration applications are made indicated by the extracted registration application information from the potential property candidates for third loan refinancing (step S309). The properties for which some have been excluded from the potential property candidates for third loan refinancing in this way will be called potential property candidates for fourth loan refinancing.

[0032] The prediction processing unit 14 then extracts registration application information in which the registration purpose is recorded as "establishment of a revolving mortgage" from the entire target registration application information (step S310). For example, the prediction processing unit 14 may extract registration application information in which the registration purpose includes the character "root." This is because properties on which a revolving mortgage has been established are likely to be properties owned by corporations (i.e., properties that are the subject of business loans), and such properties are unlikely to undergo loan refinancing. The prediction processing unit 14 then further excludes properties that are the subject of the registration application indicated by the extracted registration application information from the potential property candidates for the fourth loan refinancing (step S311). The properties that have been partially excluded from the potential property candidates for the fourth loan refinancing in this way will be referred to as potential property candidates for the fifth loan refinancing.

[0033] The prediction processing unit 14 then extracts registration application information that was applied for registration during the calculated loan start period, i.e., the date of that period is recorded as the date of receipt of the registration application information (step S312). This is because if a registration application was applied for during the calculated loan start period, it can be determined that the property is likely to be refinanced during the loan refinancing target period (e.g., six months to one year later) input by the user. The prediction processing unit 14 then identifies the property for which the registration application information extracted in this manner is to be applied for registration from among the fifth loan refinancing target property candidates (step S313). The target property identified in this manner is then ultimately extracted as a loan refinancing target property (a property in the loan refinancing target search result). For example, as described above, registration application information related to the extracted loan refinancing target property (e.g., registration application information including information identifying the loan refinancing target property) may be extracted, and an extraction result screen showing the extraction result may be displayed on the terminal device 2.

[0034] According to the process of extracting properties that are likely to be eligible for loan refinancing in the prediction processing unit 14, financial institutions and other businesses can accurately grasp whether the owner of the property is likely to refinance their loan, and can thereby encourage the owner to refinance their loan themselves.

[0035] The second condition for the search for prospective loan refinancing may be that the property is a property for which there is registration application information containing information indicating the establishment of a mortgage (registration purpose = mortgage establishment) in the information indicating the purpose of registration, and there is no registration application information for which the information indicating the purpose of registration, received on a date later than the registration application information, contains information indicating cancellation (registration purpose = cancellation). In this case, the process of excluding properties for which registration applications are indicated by registration application information in which the registration purpose is recorded as "establishment of a mortgage" (for example, the process shown in steps S310 and S311 in FIG. 8B) does not need to be executed.

[0036] Furthermore, the second condition for the search for prospective loan refinancing may be a condition that the property is one for which there is registration application information including information indicating the establishment of a mortgage in the information indicating the purpose of registration (registration purpose = mortgage establishment) and there is no registration application information including information indicating the establishment of a fixed mortgage in the information indicating the purpose of registration (registration purpose = fixed mortgage establishment). In this case, the process of excluding the property subject to the registration application indicated by the registration application information in which the registration purpose is recorded as "cancellation" (for example, the process shown in step S308 and step S309 shown in FIG. 8B) does not need to be executed.

[0037] The process of extracting properties that are likely to be newly built and properties that are likely to be sold can be performed using the method described in, for example, JP 2015-179553 A, and therefore explanations thereof will be omitted.

[0038] The above describes an embodiment of the present invention. According to the above process, a user can effortlessly view a map and a cadastral map corresponding to a specified address, and can easily view real estate registration application information identified by the parent number of the parcel number on the cadastral map. Therefore, based on the registration application information in a desired area, a user can effortlessly conduct real estate trend research when considering a business involving the transfer of real estate rights. Furthermore, a business user who wants to use real estate registration application information to search for properties that are predicted to have increased business value in the future can easily extract registration application information related to such real estate.

[0039] The real estate registration application information search device 1 described above has an internal computer system. The steps of each of the above-described processes are stored in the form of a program on a computer-readable recording medium, and the computer reads and executes this program to perform the above-described processes. Here, computer-readable recording media refers to magnetic disks, magneto-optical disks, CD-ROMs, DVD-ROMs, semiconductor memories, etc. Alternatively, the computer program may be distributed to a computer via a communication line, and the computer that receives the program may execute the program.

[0040] Furthermore, the term "computer system" also includes a WWW system equipped with a homepage providing environment (or display environment). The above program may be one that realizes part of the above-mentioned functions. Furthermore, it may be one that can realize the above-mentioned functions in combination with a program already stored in the computer system, a so-called differential file. (Differential program) may also be used. [Explanation of symbols]

[0041] 1 Real estate registration application information search device, 2 Terminal device, 11 Input reception unit, 12 Display processing unit, 13 Search processing unit, 14 Prediction processing unit, 15 Control unit, 16 Land lot parent number database, 17 Residential map database, 18 Public map database, 19 Registration application information database.

Claims

1. Information indicating the date of receipt of the registration application, and Information to identify the location of the real estate for which registration is being applied for; Information indicating the purpose of the registration; a registration application information storage means for storing registration application information associated with information indicating the use of real estate for which registration has been applied; a loan refinancing search input receiving means for receiving a search instruction for real estate for which refinancing of a real estate mortgage may occur when a transition from a fixed interest rate period to a variable interest rate occurs; a loan refinancing occurrence period receiving means for acquiring a loan refinancing occurrence period in which refinancing of a real estate mortgage corresponding to a transition from the fixed interest rate period to the variable interest rate period may occur; a loan start period calculation means for calculating a loan start period indicating the period during which the real estate mortgage loan commenced based on a pre-stored interest rate fixed period or an interest rate fixed period acquired by inputting, and the loan refinancing occurrence period; and a loan refinancing prospective target property search means for extracting loan refinancing prospective target properties that meet all of the first condition, the second condition, and the third condition based on the search instruction, The first condition is that the registration application information in which the information indicating the purpose of the registration includes information indicating a new property and the information indicating the use of the real estate includes information indicating a house is a property that exists in the registration application information storage means; The second condition is: The condition is that the property is a property for which registration application information, in which the information indicating the purpose of the registration includes information indicating the establishment of a mortgage, exists in the registration application information storage means, and registration application information, in which the information indicating the purpose of the registration includes information indicating cancellation and whose acceptance date is later than that of the registration application information, does not exist in the registration application information storage means; The condition is that the registration application information, the information indicating the purpose of the registration of which includes information indicating the establishment of a mortgage, exists in the registration application information storage means, and the registration application information, the information indicating the purpose of the registration of which includes information indicating the establishment of a root mortgage, does not exist in the registration application information storage means; or The conditions are either that the registration application information in which the information indicating the purpose of the registration includes information indicating the establishment of a mortgage exists in the registration application information storage means, and that neither the registration application information in which the information indicating the purpose of the registration includes information indicating cancellation, which has a later date of acceptance than the registration application information in question, nor the registration application information in which the information indicating the purpose of the registration includes information indicating the establishment of a root mortgage, is a property that does not exist in the registration application information storage means; The third condition is that the information indicating the date of acceptance of the registration application in the registration application information, in which the information indicating the purpose of the registration includes information indicating the establishment of a mortgage, is within the loan start period. A real estate registration application information search device characterized by:

2. The registration application information storage means Information indicating the date of receipt of the registration application, and Information to identify the location of the real estate for which registration is being applied for; Information indicating the purpose of the registration; storing information indicating the use of the real estate for which registration has been applied and registration application information associated with the information; The loan refinancing search input receiving means receives a search instruction for real estate for which refinancing of a real estate mortgage may occur when a transition from a fixed interest rate period to a variable interest rate occurs; a loan refinancing occurrence period receiving means for receiving a loan refinancing occurrence period during which refinancing of the real estate mortgage loan corresponding to a transition from the fixed interest rate period to the variable interest rate period may occur; The loan start period calculation means calculates a loan start period indicating the period during which the real estate mortgage loan commenced based on the interest rate fixed period stored in advance or the interest rate fixed period acquired by input and the loan refinancing occurrence period; a loan refinancing prospective target property search means extracts loan refinancing prospective target properties that meet all of the first condition, the second condition, and the third condition based on the search instruction; The first condition is that the registration application information in which the information indicating the purpose of the registration includes information indicating a new property and the information indicating the use of the real estate includes information indicating a house is a property that exists in the registration application information storage means; The second condition is: The condition is that the property is a property for which registration application information, in which the information indicating the purpose of the registration includes information indicating the establishment of a mortgage, exists in the registration application information storage means, and registration application information, in which the information indicating the purpose of the registration includes information indicating cancellation and whose acceptance date is later than that of the registration application information, does not exist in the registration application information storage means; The condition is that the registration application information, the information indicating the purpose of the registration of which includes information indicating the establishment of a mortgage, exists in the registration application information storage means, and the registration application information, the information indicating the purpose of the registration of which includes information indicating the establishment of a root mortgage, does not exist in the registration application information storage means; or The conditions are either that the registration application information in which the information indicating the purpose of the registration includes information indicating the establishment of a mortgage exists in the registration application information storage means, and that neither the registration application information in which the information indicating the purpose of the registration includes information indicating cancellation, which has a later date of acceptance than the registration application information in question, nor the registration application information in which the information indicating the purpose of the registration includes information indicating the establishment of a root mortgage, is a property that does not exist in the registration application information storage means; The third condition is that the information indicating the date of acceptance of the registration application in the registration application information, in which the information indicating the purpose of the registration includes information indicating the establishment of a mortgage, is within the loan start period. A real estate registration application information search method characterized by:

3. Information indicating the date of receipt of the registration application, and Information to identify the location of the real estate for which registration is being applied for; Information indicating the purpose of the registration; A computer of a real estate registration application information search device including a registration application information storage means for storing information indicating the use of real estate for which registration has been applied, and registration application information associated with the information, a loan refinancing search input receiving means for receiving a search instruction for real estate where refinancing of a real estate mortgage may occur when a transition from a fixed interest rate period to a variable interest rate occurs; a loan refinancing occurrence period receiving means for acquiring a loan refinancing occurrence period during which refinancing of a real estate mortgage corresponding to a transition from the fixed interest rate period to the variable interest rate period may occur; a loan start period calculation means for calculating a loan start period indicating the period during which the real estate mortgage loan commenced based on a pre-stored interest rate fixed period or an interest rate fixed period acquired by inputting, and the loan refinancing occurrence period; a search means for properties eligible for loan refinancing that extracts properties eligible for loan refinancing that meet all of the first condition, the second condition, and the third condition based on the search instruction; It functions as The first condition is that the registration application information in which the information indicating the purpose of the registration includes information indicating a new property and the information indicating the use of the real estate includes information indicating a house is a property that exists in the registration application information storage means; The second condition is: The condition is that the property is a property for which registration application information, in which the information indicating the purpose of the registration includes information indicating the establishment of a mortgage, exists in the registration application information storage means, and registration application information, in which the information indicating the purpose of the registration includes information indicating cancellation and whose acceptance date is later than that of the registration application information, does not exist in the registration application information storage means; The condition is that the registration application information, the information indicating the purpose of the registration of which includes information indicating the establishment of a mortgage, exists in the registration application information storage means, and the registration application information, the information indicating the purpose of the registration of which includes information indicating the establishment of a root mortgage, does not exist in the registration application information storage means; or The conditions are either that the registration application information in which the information indicating the purpose of the registration includes information indicating the establishment of a mortgage exists in the registration application information storage means, and that neither the registration application information in which the information indicating the purpose of the registration includes information indicating cancellation, which has a later date of acceptance than the registration application information in question, nor the registration application information in which the information indicating the purpose of the registration includes information indicating the establishment of a root mortgage, is a property that does not exist in the registration application information storage means; The third condition is that the information indicating the date of acceptance of the registration application in the registration application information, in which the information indicating the purpose of the registration includes information indicating the establishment of a mortgage, is within the loan start period. A program characterized by:

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