Loan repayment planning support system

Abstract

To provide a loan repayment plan support system for supporting a loan repayment plan by proposing an asset management to a user who does not have a sufficient asset management period or a user who newly makes a loan.SOLUTION: A computer executes a monthly repayment amount calculation step, a phase period calculation step, an output step, and an output information calculation step, wherein the output step includes loan information, second phase period information, and third phase period information, and in the output information calculation step, a third monthly decumulation amount is calculated as being equal to or greater than a monthly repayment amount in a third phase period, and a third total decumulation amount is calculated using the third monthly decumulation amount and the third phase period.SELECTED DRAWING: Figure 1

Description

[Technical Field]

[0001] The present invention relates to a loan repayment plan support system that can support loan repayment plans. [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. 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. Therefore, the present applicant has already proposed a loan refinancing support system that proposes asset management at the time of loan refinancing (Patent Document 2). [Prior art documents] [Patent documents]

[0003] [Patent Document 1] Japanese Patent Application Laid-Open No. 2014-53048 [Patent Document 2] Patent No. 7458121 Summary of the Invention [Problem to be solved by the invention]

[0004] According to the loan refinancing support system proposed in Patent Document 2, although the refinancing repayment period is extended, the actual refinancing repayment period through asset management can be predicted, making it possible to propose asset management at the time of loan refinancing. However, for example, if the user is elderly and has not had a sufficient period of time to manage assets, the loan refinancing support system proposed in Patent Document 2 may not be able to offer any benefits. Furthermore, the loan refinancing support system proposed in Patent Document 2 is premised on loan refinancing, and therefore may not be directly applicable to users who take out new housing loans.

[0005] The present invention aims to provide a loan repayment plan support system that can support loan repayment plans by proposing asset management to users who do not have a sufficient asset management period or who are taking out a new loan. [Means for solving the problem]

[0006] The loan repayment plan support system of the present invention as set forth in claim 1 executes the following steps: a monthly repayment amount calculation step in which a computer calculates a monthly repayment amount from the number of years and loan amount of a loan used by a user; a phase period calculation step in which, using a first set age and a second set age specified by the user, a first phase period from the loan repayment start age to the first set age, a second phase period from the first set age to the second set age, and a third phase period from the second set age to the loan full repayment age; an output step in which loan information about the loan, first phase period information about the first phase period, second phase period information about the second phase period, and third phase period information about the third phase period; and an output information calculation step in which the information to be output in the output step is calculated; the first phase period information includes the first phase period, a first monthly savings amount to be saved as asset management, a first expected yield for the asset management during the first phase period, and a first final savings amount to be saved during the first phase period; the second phase period information includes the second phase period, a second monthly savings amount to be saved as asset management, a second expected yield for the asset management during the second phase period, and a second final savings amount to be saved during the second phase period; the third phase period information includes the third phase period, a third monthly withdrawal amount to be withdrawn from the savings saved as asset management, a third expected yield for the asset management during the third phase period, and a third total withdrawal amount to be withdrawn during the third phase period; and in the output information calculation step, the third monthly withdrawal amount is calculated to be equal to or greater than the monthly repayment amount during the third phase period; The third total withdrawal amount is calculated using the third monthly withdrawal amount and the third phase period. The present invention described in claim 2 is characterized in that, in the loan repayment plan support system described in claim 1, in the output information calculation step, the first final savings amount is calculated using the first monthly savings amount specified by the user, the first phase period, the first expected yield, and the first monthly operating profit during the first phase period, the first final savings amount is set to the second initial capital amount for the second phase period, the second final savings amount is calculated using the second initial capital amount, the second monthly savings amount, the second phase period, the second expected yield, and the second monthly operating profit during the second phase period, the second final savings amount is set to the third initial capital amount for the third phase period, the asset amount at the point of full repayment is calculated using the third initial capital amount, the third monthly withdrawal amount, the third phase period, the third expected yield, and the third monthly operating profit during the third phase period, and in the output step, the asset amount at the point of full repayment is output. The present invention described in claim 3 is characterized in that, in the loan repayment plan support system described in claim 1, in the output information calculation step, the third ending capital amount for the third phase period is set to an amount that will not become negative, the third starting capital amount for the third phase period is calculated using the third ending capital amount, the third phase period, the third expected yield, the third monthly operating profit during the third phase period, and the third monthly withdrawal amount, and the calculated third starting capital amount is set to the second final savings amount, the second starting capital amount for the second phase period is calculated using the second final savings amount, the second phase period, the second expected yield, the second monthly savings amount, and the second monthly operating profit during the second phase period, and the calculated second starting capital amount is set to the first final savings amount, and the first monthly savings amount is calculated using the first final savings amount, the first phase period, the first expected yield, and the first monthly operating profit during the first phase period. The present invention as described in claim 4 is characterized in that, in the loan repayment plan support system as described in any one of claims 1 to 3, when the user specifies the first set age and the second set age as set ages of the same age, in the phase period calculation step, the first phase period is calculated as the period from the repayment start age of the loan to the set age, the second phase period is calculated as nonexistent, and the third phase period is calculated as the period from the set age to the age at which the loan is fully repaid. [Effects of the Invention]

[0007] According to the present invention, a loan repayment plan can be divided into a first phase period in which loan repayments are made along with savings through asset management, a second phase period in which savings through asset management can be increased or decreased to suit the user's life plan, and a third phase period in which no loan repayments are actually incurred by withdrawing savings through asset management.In particular, by withdrawing the monthly loan repayment amount during the third phase period from savings through asset management, it is possible to propose a loan repayment plan in which the monthly loan repayment amount during the third phase period is effectively zero. [Brief explanation of the drawings]

[0008] [Figure 1] FIG. 10 is an output image used in the loan repayment grasping step showing general loan repayment in one embodiment of the present invention. [Figure 2] An output image diagram used in the investment management understanding step showing the investment management simulation in this embodiment. [Figure 3] Output image used in the loan repayment simulation according to the first embodiment [Figure 4] Output image used in the loan repayment simulation according to the second embodiment DETAILED DESCRIPTION OF THE INVENTION

[0009] A loan repayment plan support system according to a first embodiment of the present invention executes a monthly repayment amount calculation step in which a computer calculates a monthly repayment amount from the number of years and loan amount of a loan used by a user; a phase period calculation step in which, using a first set age and a second set age specified by the user, a first phase period from the loan repayment start age to the first set age, a second phase period from the first set age to the second set age, and a third phase period from the second set age to the age at which the loan is fully repaid; an output step in which loan information about the loan, first phase period information about the first phase period, second phase period information about the second phase period, and third phase period information about the third phase period; and an output information calculation step in which information to be output in the output step is calculated. In the output step, the loan information includes the number of years of loaning, the loan amount, and the monthly repayment amount, and the first phase period information about the second phase period is calculated. The phase information includes the first phase period, the first monthly savings amount to be saved as asset management, the first expected yield expected for asset management in the first phase period, and the first final savings amount to be saved in the first phase period; the second phase period information includes the second phase period, the second monthly savings amount to be saved as asset management, the second expected yield expected for asset management in the second phase period, and the second final savings amount to be saved in the second phase period; the third phase period information includes the third phase period, the third monthly withdrawal amount to be withdrawn from the savings saved as asset management, the third expected yield expected for asset management in the third phase period, and the third total withdrawal amount to be withdrawn in the third phase period; and in the output information calculation step, the third monthly withdrawal amount is calculated as being equal to or greater than the monthly repayment amount in the third phase period, and the third total withdrawal amount is calculated using the third monthly withdrawal amount and the third phase period.According to this embodiment, the period is divided into a first phase in which loan repayments are made along with savings through asset management, a second phase in which savings through asset management can be increased or decreased to suit the user's life plan, and a third phase in which no loan repayments are actually incurred by withdrawing savings through asset management.In particular, by withdrawing the monthly loan repayment amount during the third phase from savings through asset management, it is possible to propose a loan repayment plan in which the monthly loan repayment amount during the third phase is effectively zero.

[0010] A second embodiment of the present invention is a loan repayment plan support system according to the first embodiment, in which, in the output information calculation step, the first final savings amount is calculated using the first monthly savings amount specified by the user, the first phase period, the first expected yield, and the first monthly operating profit during the first phase period, the first final savings amount is set to the second initial capital amount for the second phase period, the second final savings amount is calculated using the second initial capital amount, the second monthly savings amount, the second phase period, the second expected yield, and the second monthly operating profit during the second phase period, the second final savings amount is set to the third initial capital amount for the third phase period, the asset amount at the point of full repayment is calculated using the third initial capital amount, the third monthly withdrawal amount, the third phase period, the third expected yield, and the third monthly operating profit during the third phase period, and in the output step, the asset amount at the point of full repayment is output. According to this embodiment, by specifying the first monthly savings amount, the user can not only effectively reduce the monthly loan repayment amount during the third phase period to zero, but also predict how much assets will be accumulated when the loan is fully paid off.

[0011] In a third embodiment of the present invention, in the loan repayment plan support system according to the first embodiment, in the output information calculation step, the third ending capital amount for the third phase period is set to an amount that will not become negative, the third starting capital amount for the third phase period is calculated using the third ending capital amount, the third phase period, the third expected yield, the third monthly operating profit during the third phase period, and the third monthly withdrawal amount, and the calculated third starting capital amount is set to the second final savings amount, the second starting capital amount for the second phase period is calculated using the second final savings amount, the second phase period, the second expected yield, the second monthly savings amount, and the second monthly operating profit during the second phase period, and the calculated second starting capital amount is set to the first final savings amount, and the first monthly savings amount is calculated using the first final savings amount, the first phase period, the first expected yield, and the first monthly operating profit during the first phase period. According to this embodiment, if the monthly loan repayment amount during the third phase period is effectively zero, the second final savings amount for the second phase period is calculated, the first ending savings amount for the first phase period is calculated from the second final savings amount, and the first monthly savings amount for the first phase period is calculated from the first ending savings amount, thereby allowing the user to grasp the first monthly savings amount in a loan repayment plan in which the monthly loan repayment amount during the third phase period is effectively zero.

[0012] In a fourth embodiment of the present invention, in the loan repayment plan support system according to any one of the first to third embodiments, when a user specifies the first set age and the second set age as the same set age, the phase period calculation step calculates the period from the loan repayment start age to the set age as the first phase period, does not include the second phase period, and calculates the period from the set age to the age at which the loan is fully repaid as the third phase period. This embodiment can accommodate users who do not require the second phase period, and can propose asset management that suits the user's life cycle. [Example]

[0013] The following describes a loan repayment plan support system according to an embodiment of the present invention with reference to the accompanying drawings. The mortgage loan in this embodiment may be a new loan or a refinancing of an existing mortgage. Note that although this embodiment will be described assuming that the loan is a mortgage, the present invention is not limited to a mortgage.

[0014] FIG. 1 is an output image diagram used in the loan repayment grasping step showing general loan repayment in this embodiment. The user's current age or the age at which the user plans to start repaying the loan, and the desired loan amount are input. The computer calculates the maximum loan period from the input age information and outputs it.

[0015] In Figure 1, the age information is 30 years old, the loan borrowing age limit is 81 years old, and the maximum loan period is calculated and output as 51 years. Note that this maximum period may be set by the user or the like. The computer sets multiple loan repayment periods based on the information that the maximum period is 51 years. In Figure 1, the loan repayment periods are set to 35 years, 40 years, and 50 years based on the information that the maximum period is 51 years. When setting the loan repayment period, the user may input the desired loan repayment period as the shortest loan repayment period, and the computer may set other loan repayment periods that are longer than the input loan repayment period but do not exceed the maximum period of 51 years.

[0016] The expected interest rate can be entered in advance, or information generated by other databases or automatic generation AI can be used. In this example, a fixed interest rate is displayed for simplicity, but it is also possible to select between fixed and variable interest rates, and to display not only the current interest rate but also the future predicted interest rate.

[0017] The computer uses the desired loan amount and the loan repayment period to calculate and output the age at which the loan is repaid, the monthly repayment amount, and the total repayment amount for each loan repayment period. In this embodiment, when the desired loan amount is 40 million yen, the age at full repayment, monthly repayment amount, and total repayment amount are calculated and output for loan repayment periods of 35, 40, and 50 years.

[0018] Meanwhile, the computer outputs the monthly repayment amounts and total repayment amounts for the proposed loan amount that exceeds the desired loan amount over the multiple loan repayment periods that have already been set. Here, a method for setting the proposed loan amount will be described. Since the desired loan amount is 40 million yen and the monthly repayment amount is 112,915 yen when the shortest loan repayment period is 35 years, the proposed loan amount is calculated so that the monthly repayment amount for a proposed loan repayment period longer than 35 years, preferably the longest proposed loan repayment period (50 years in this example), is within a specified amount based on the monthly repayment amount for a loan repayment period of 35 years, and preferably is less than the monthly repayment amount for a loan repayment period of 35 years. In this example, the proposed loan amount is set to 50 million yen, which is calculated so that the monthly repayment amount will be 105,929 yen if the proposed loan repayment period is 50 years.

[0019] In this way, the loan repayment grasping step calculates and outputs a proposed loan amount and proposed loan repayment period that are equivalent to the user's desired loan amount and monthly repayment amount over the loan repayment period. The equivalent monthly repayment amount is within a predetermined amount based on the desired loan amount and monthly repayment amount over the loan repayment period, and preferably is less than the desired loan amount and monthly repayment amount over the loan repayment period. The predetermined amount based on the monthly repayment amount here is, for example, calculated as 1.05% of the monthly repayment amount or an amount calculated by adding or subtracting 5,000 yen from the monthly repayment amount. In this way, the predetermined amount based on the monthly repayment amount can be calculated using a predetermined ratio or amount to the monthly repayment amount.

[0020] FIG. 2 is an output image diagram used in the investment management understanding step showing the investment management simulation in this embodiment. As shown in Figure 2, the system outputs the age at which the loan will be fully repaid, the total repayment amount, and the monthly repayment amount for the loan amount and loan repayment period desired by the user, as well as the age at which the loan will be fully repaid, the total repayment amount, and the monthly repayment amount for the proposed loan amount and proposed loan repayment period calculated by the computer. The computer then calculates and outputs the difference between the desired loan amount and monthly repayment amount over the loan repayment period desired by the user and the proposed loan amount and monthly repayment amount over the proposed loan repayment period.

[0021] In Figure 2, the user's desired loan amount and monthly repayment amount over the loan repayment period are 112,915 yen, the proposed loan amount and monthly repayment amount over the proposed loan repayment period are 105,929 yen, and the difference is calculated as 6,986 yen. In the investment management understanding step shown in Figure 2, this difference of 6,986 yen is used as the investment management amount. The period for saving the difference of 6,986 yen is set to 35 years, which is the loan repayment period desired by the user.

[0022] The expected yield can be input in advance or can be information generated by other databases or automatic generation AI, but it is preferable that it can be changed by input from the user, etc. In the investment management understanding step, the difference between the user's desired loan amount and monthly repayment amount over the loan repayment period and the proposed loan amount and monthly repayment amount over the proposed loan repayment period is set as the savings amount, the user's desired loan repayment period is set as the number of years for savings, and the final savings amount is calculated and output using the expected yield. Note that, as shown in the figure, it is preferable to calculate and output the investment principal and investment profit in addition to the final savings amount.

[0023] In the investment management understanding step, after the loan repayment period desired by the user has elapsed, the final savings amount is withdrawn, and a simulation is calculated and output in which the proposed loan amount and the monthly repayment amount during the proposed loan repayment period are effectively zero from the time the loan repayment period desired by the user has elapsed until the end of the proposed loan repayment period. Since the proposed loan amount and the monthly repayment amount for the proposed loan repayment period are 105,929 yen, the computer sets the monthly withdrawal amount to 106,000 yen, which is an amount that is not less than 105,929 yen. The withdrawal will begin after the user's desired loan repayment period has elapsed, at age 66, and the withdrawal will end, i.e., the loan will be paid off, at age 81 years and 4 months, making the withdrawal period 16 years and 4 months. The computer calculates the total amount to be withdrawn, 20,776,000 yen, based on the monthly withdrawal amount of 106,000 yen and the withdrawal period of 16 years and 4 months. The computer then calculates and outputs the actual total repayment amount (45,716,120 yen) by adding the total repayment amount (63,558,000 yen) calculated based on the proposed loan amount (50 million yen) and the proposed loan repayment period (50 years) to the investment principal (2,934,120 yen) and subtracting the total withdrawal amount (20,776,000 yen).

[0024] In this way, by outputting the actual total repayment amount (45,716,120 yen), the user can compare the actual total repayment amount (45,716,120 yen) with the total repayment amount (47,424,300 yen) for the desired loan amount (40 million yen) and loan repayment period (35 years), and by managing the investment, the user can see that the actual total repayment amount is lower than the total repayment amount for the desired loan amount and loan repayment period.

[0025] FIG. 3 is an output image diagram used in the loan repayment simulation according to the first embodiment. The loan repayment simulation shown in Figure 3 divides the period from the age at which mortgage repayments begin to the age at which the mortgage is paid off into a first phase, a second phase, and a third phase. During the first phase, a specified amount is saved each month, and during the third phase, the assets built up through saving and asset management during the first phase are withdrawn, thereby effectively reducing the monthly mortgage repayment amount during the third phase to zero.

[0026] The computer calculates the monthly repayment amount from the number of years and the loan amount of the mortgage loan used by the user (monthly repayment amount calculation step). In this example, the mortgage loan used by the user has a term of 50 years, a loan amount of 50 million yen, and a scheduled interest rate of 1%. The scheduled interest rate can be entered in advance, or information generated by another database or automatic generation AI can be used. In this example, a fixed interest rate is displayed for simplicity's sake, but it is also possible to select between a fixed interest rate and a variable interest rate, and to display not only the current interest rate but also a predicted interest rate. The computer calculates and outputs the monthly repayment amount (105,929 yen) and total repayment amount (63,558,000 yen) from the number of years of borrowing (50 years), the loan amount (50 million yen), and the estimated interest rate (1%). In addition, the computer preferably calculates and outputs the age at which the loan will be fully repaid from the user's borrowing age and repayment period. Here, the number of years of loan, loan amount, expected interest rate, monthly repayment amount, age at full repayment, and total repayment amount are loan information.

[0027] The computer uses the first set age and second set age specified by the user to calculate a first phase period from the age at which mortgage repayment begins to the first set age, a second phase period from the first set age to the second set age, and a third phase period from the second set age to the age at which the mortgage is fully paid off (phase period calculation step). In this embodiment, the user specifies the first set age as 65 years old and the second set age as 71 years old. Since the mortgage repayment start age is 30 and the first set age is 65, the computer calculates that the first phase period is 35 years. Furthermore, since the first set age is 65 and the second set age is 71, the computer calculates that the second phase period is 5 years. Also, since the loan term is 50 years, the computer calculates that the third phase period is 10 years.

[0028] The computer outputs loan information about the mortgage, first phase period information about the first phase period, second phase period information about the second phase period, and third phase period information about the third phase period (output step). In the output step, the mortgage information preferably includes the number of years of loan (50 years), loan amount (50 million yen), and monthly repayment amount (105,929 yen), as well as the expected interest rate during the loan period (1%), age at full repayment (80 years old), and total repayment amount (63,558,000 yen).

[0029] In addition, in the output step, the first phase period information preferably includes the first phase period (35 years), the first monthly savings amount (4,000 yen) to be saved as asset management, the first expected return (7%) for the first phase period expected for asset management, and the first final savings amount (7,204,200 yen) to be saved during the first phase period, as well as the first savings end age (65 years old), the first investment principal (1,680,000 yen), and the first investment profit (5,524,218 yen). In addition, in the output step, the second phase period information preferably includes the second phase period (5 years), the second monthly savings amount (0 yen) to be saved as asset management, the second expected yield (7%) for the second phase period expected for asset management, and the second final savings amount (10,103,983 yen) to be saved during the second phase period, and also the age at which withdrawal begins (71 years old), the amount carried over from the first phase period (the first final savings amount of 7,204,200 yen), and the second investment principal and second operating profit during the second phase period (2,899,783 yen). In the output step, the third phase period information preferably includes the third phase period (10 years), the third monthly withdrawal amount (106,000 yen) to be withdrawn from the savings accumulated as asset management, the third expected yield (7%) for the third phase period assumed for asset management, and the third total withdrawal amount (12,720,000 yen) to be withdrawn during the third phase period, as well as the withdrawal end age (80 years), which is the age at which full repayment will be made, and the asset life age (82 years and 5 months).Here, the asset life age (82 years and 5 months) means the age at which the third monthly withdrawal amount (106,000 yen) can be received even after the full repayment age.

[0030] The first expected yield, second expected yield, and third expected yield can be input in advance or can use information generated by other databases or automatic generation AI, but it is preferable that they can be changed by input by the user, etc.

[0031] Furthermore, in the output step, it is preferable to output the actual total repayment amount (50,716,000 yen). The actual total repayment amount is calculated by adding the total loan repayment amount (63,558,000 yen) and the investment principal (1,680,000 yen), and subtracting the total withdrawal amount (12,720,000 yen) from the amount that can be received after withdrawal over the asset life (1,802,000 yen).

[0032] In this way, by outputting the actual total repayment amount (50,716,000 yen), the user can compare the total loan repayment amount (63,558,000 yen) for the loan amount (50 million yen) and loan repayment period (50 years) with the actual total repayment amount (50,716,000 yen), and can understand that by investing and managing the investment, the actual total repayment amount will be lower than the total repayment amount for the loan amount and loan repayment period.

[0033] Furthermore, the computer calculates information to be output in the output step (output information calculation step). In the output information calculation step, the third monthly withdrawal amount (106,000 yen) is calculated as being equal to or greater than the monthly repayment amount during the third phase period (105,929 yen), and the third total withdrawal amount (12,720,000 yen) is calculated using the third monthly withdrawal amount (106,000 yen) and the third phase period (10 years). In addition, in the output information calculation step, the third ending capital amount for the third phase period is set to an amount that will not become negative, and the third starting capital amount for the third phase period is calculated using the third ending capital amount, the third phase period, the third expected yield, the third monthly operating profit during the third phase period, and the third monthly withdrawal amount. The computer then sets the calculated third initial capital amount as the second final savings amount, and calculates the second initial capital amount for the second phase period using the second final savings amount, the second phase period, the second expected yield, the second monthly savings amount, and the second monthly operating profit during the second phase period. Then, the computer sets the calculated second initial capital amount as the first final savings amount, and calculates the first monthly savings amount using the first final savings amount, the first phase period, the first expected yield, and the first monthly investment profit during the first phase period.

[0034] In FIG. 3, the first monthly savings amount calculated in this manner is output as the first monthly savings amount (4,000 yen). Note that the first monthly savings amount calculated in this manner is not a round number like 4,000 yen. Therefore, the first monthly savings amount is determined based on the calculated first monthly savings amount and output as, for example, 4,000 yen. Note that when outputting the first monthly savings amount as 4,000 yen by adjusting it based on the calculated first monthly savings amount, it is preferable to recalculate and output the first final savings amount, the amount carried over from the first phase period, the second investment principal and second investment profit, the second final savings amount, the asset life age, and the actual total repayment amount using 4,000 yen as the first monthly savings amount. In FIG. 3, the amount recalculated using 4,000 yen as the first monthly savings amount is output.

[0035] According to this embodiment, the period is divided into a first phase in which savings are made through asset management along with mortgage repayments, a second phase in which savings through asset management can be increased or decreased to suit the user's life plan, and a third phase in which savings through asset management are withdrawn so that no mortgage repayments are actually required.In particular, by withdrawing the monthly mortgage repayment amount during the third phase from savings through asset management, it is possible to propose a loan repayment plan in which the monthly mortgage repayment amount during the third phase is effectively zero. Furthermore, according to this embodiment, if the monthly mortgage repayment amount during the third phase period is set to essentially zero, the second final savings amount for the second phase period is calculated, the first ending savings amount for the first phase period is calculated from the second final savings amount, and the first monthly savings amount for the first phase period is calculated from the first ending savings amount, thereby allowing the user to grasp the first monthly savings amount in a loan repayment plan in which the monthly mortgage repayment amount during the third phase period is set to essentially zero.

[0036] FIG. 4 is an output image diagram used in the loan repayment simulation according to the second embodiment. In the loan repayment simulation shown in Figure 4, as in the loan repayment simulation of the first embodiment, the period from the age at which mortgage repayments begin to the age at which the mortgage is paid off is divided into a first phase period, a second phase period, and a third phase period. In the first phase period, a predetermined amount is saved each month, and in the third phase period, the assets saved in the first phase period and formed through asset management are withdrawn, so that the mortgage repayment amount incurred each month in the third phase period is effectively zero.

[0037] The computer calculates the monthly repayment amount from the number of years and the loan amount of the mortgage loan used by the user (monthly repayment amount calculation step). In this example, the mortgage loan used by the user has a term of 50 years, a loan amount of 50 million yen, and a scheduled interest rate of 1%. The scheduled interest rate can be entered in advance, or information generated by another database or automatic generation AI can be used. In this example, a fixed interest rate is displayed for simplicity's sake, but it is also possible to select between a fixed interest rate and a variable interest rate, and to display not only the current interest rate but also a predicted interest rate. The computer calculates and outputs the monthly repayment amount (105,929 yen) and total repayment amount (63,558,000 yen) from the number of years of borrowing (50 years), the loan amount (50 million yen), and the estimated interest rate (1%). In addition, the computer preferably calculates and outputs the age at which the loan will be fully repaid from the user's borrowing age and repayment period. Here, the number of years of loan, loan amount, expected interest rate, monthly repayment amount, age at full repayment, and total repayment amount are loan information.

[0038] The computer uses the first set age and second set age specified by the user to calculate a first phase period from the age at which mortgage repayment begins to the first set age, a second phase period from the first set age to the second set age, and a third phase period from the second set age to the age at which the mortgage is fully paid off (phase period calculation step). In this embodiment, the user specifies the first set age as 65 years old and the second set age as 71 years old. Since the mortgage repayment start age is 30 and the first set age is 65, the computer calculates that the first phase period is 35 years. Furthermore, since the first set age is 65 and the second set age is 71, the computer calculates that the second phase period is 5 years. Also, since the loan term is 50 years, the computer calculates that the third phase period is 10 years.

[0039] The computer outputs loan information about the mortgage, first phase period information about the first phase period, second phase period information about the second phase period, and third phase period information about the third phase period (output step). In the output step, the mortgage information preferably includes the number of years of loan (50 years), loan amount (50 million yen), and monthly repayment amount (105,929 yen), as well as the expected interest rate during the loan period (1%), age at full repayment (80 years old), and total repayment amount (63,558,000 yen).

[0040] In addition, in the output step, the first phase period information preferably includes the first phase period (35 years), the first monthly savings amount (30,000 yen) to be saved as asset management, the first expected return (7%) for the first phase period expected for asset management, and the first final savings amount (54,031,638 yen) to be saved during the first phase period, and also includes the first savings end age (65 years old), the first investment principal (12,600,000 yen), and the first investment profit (41,431,638 yen). In addition, in the output step, the second phase period information preferably includes the second phase period (5 years), the second monthly savings amount (0 yen) to be saved as asset management, the second expected yield (7%) for the second phase period expected for asset management, and the second final savings amount (75,781,237 yen) to be saved during the second phase period, as well as the age at which withdrawal begins (71 years old), the amount carried over from the first phase period (the first final savings amount of 54,031,638 yen), and the second investment principal and second operating profit during the second phase period (21,749,599 yen). In the output step, the third phase period information preferably includes the third phase period (10 years), the third monthly withdrawal amount (106,000 yen) to be withdrawn from the savings accumulated as asset management, the third expected yield (7%) for the third phase period assumed for asset management, and the third total withdrawal amount (12,720,000 yen) to be withdrawn during the third phase period, as well as the withdrawal end age (80 years), which is the age at which full repayment will be made, and the asset life age (100 years and 8 months).Here, the asset life age (100 years and 8 months) means the age at which the third monthly withdrawal amount (106,000 yen) can be received even after the full repayment age.

[0041] The first expected yield, second expected yield, and third expected yield can be input in advance or can use information generated by other databases or automatic generation AI, but it is preferable that they can be changed by input by the user, etc.

[0042] Furthermore, in the output step, it is preferable to output the asset formation effect (112,480,607 yen). The asset formation effect is calculated by adding the total withdrawal amount (12,720,000 yen) to the assets at the point of full repayment (175,918,607 yen) and subtracting the total loan repayment amount (63,558,000 yen) and the investment principal (12,600,000 yen). In this way, by outputting the asset formation effect (112,480,607 yen), the user can understand the asset formation effect.

[0043] Furthermore, the computer calculates information to be output in the output step (output information calculation step). In the output information calculation step, the first final savings amount (54,031,638 yen) is calculated using the first monthly savings amount (30,000 yen) specified by the user, the first phase period (35 years), the first expected yield (7%), and the first monthly operating profit during the first phase period (41,431,638 yen). The computer then sets the first final savings amount (54,031,638 yen) as the second initial capital amount for the second phase period (amount carried over from the first phase period), and calculates the second final savings amount (75,781,237 yen) using the second initial capital amount (54,031,638 yen), the second monthly savings amount (0 yen), the second phase period (5 years), the second expected yield (7%), and the second monthly operating profit during the second phase period.

[0044] The third monthly withdrawal amount (106,000 yen) is calculated as being equal to or greater than the monthly repayment amount during the third phase period (105,929 yen), and the third total withdrawal amount (12,720,000 yen) is calculated using the third monthly withdrawal amount (106,000 yen) and the third phase period (10 years). The computer sets the second final deposit amount (75,781,237 yen) as the third initial capital amount for the third phase period, and calculates the asset amount at the point of full repayment (175,918,607 yen) using the third initial capital amount, the third monthly withdrawal amount (106,000 yen), the third phase period (10 years), the third expected yield (7%), and the third monthly operating profit during the third phase period.

[0045] According to this embodiment, the period is divided into a first phase in which savings are made through asset management along with mortgage repayments, a second phase in which savings through asset management can be increased or decreased to suit the user's life plan, and a third phase in which savings through asset management are withdrawn so that no mortgage repayments are actually required.In particular, by withdrawing the monthly mortgage repayment amount during the third phase from savings through asset management, it is possible to propose a loan repayment plan in which the monthly mortgage repayment amount during the third phase is effectively zero. Furthermore, according to this embodiment, by the user specifying the first monthly savings amount, not only will the monthly mortgage repayment amount during the third phase period be effectively zero, but it will also be possible to predict how much assets will be accumulated when the mortgage is paid off.

[0046] 3 and 4, if the user specifies the same set age for the first set age and the second set age, the phase period calculation step calculates the period from the mortgage repayment start age to the set age as the first phase period, there is no second phase period, and the period from the set age to the mortgage full repayment age as the third phase period. This embodiment can accommodate users who do not require the second phase period, and can propose asset management that suits the user's life cycle. [Industrial Applicability]

[0047] According to the loan repayment plan support system of the present invention, it is possible to generate funds through asset management, and to support loan repayment plans by managing assets at a rate of return higher than the loan interest rate.

Claims

1. The computer a monthly repayment amount calculation step of calculating a monthly repayment amount based on the number of years and the loan amount of the loan used by the user; a phase period calculation step of calculating a first phase period from the loan repayment start age to the first set age, a second phase period from the first set age to the second set age, and a third phase period from the second set age to the loan full repayment age using a first set age and a second set age designated by the user; an output step of outputting loan information about the loan, first phase period information about the first phase period, second phase period information about the second phase period, and third phase period information about the third phase period; an output information calculation step of calculating the information to be output in the output step; Run In the output step, The loan information includes the number of years of borrowing, the loan amount, and the monthly repayment amount, The first phase period information includes the first phase period, a first monthly accumulation amount to be accumulated as asset management, a first expected yield during the first phase period expected for the asset management, and a first final accumulation amount to be accumulated during the first phase period; The second phase period information includes the second phase period, a second monthly accumulation amount to be accumulated as the asset management, a second expected yield expected in the asset management during the second phase period, and a second final accumulation amount to be accumulated during the second phase period; The third phase period information includes the third phase period, a third monthly withdrawal amount to be withdrawn from the reserve accumulated as the asset management, a third expected yield during the third phase period expected for the asset management, and a third total withdrawal amount to be withdrawn during the third phase period, In the output information calculation step, Calculating the third monthly withdrawal amount as equal to or greater than the monthly repayment amount during the third phase period; The third total withdrawal amount is calculated using the third monthly withdrawal amount and the third phase period. A loan repayment plan support system characterized by:

2. In the output information calculation step, Calculating the first final savings amount using the first monthly savings amount specified by the user, the first phase period, the first expected yield, and the first monthly investment profit during the first phase period; The first final reserve amount is the second initial capital amount for the second phase period; Calculating the second final savings amount using the second initial capital amount, the second monthly savings amount, the second phase period, the second expected yield, and the second monthly investment profit during the second phase period; The second final reserve amount is the third initial capital amount for the third phase period; Calculate the asset amount at the time of full repayment using the third initial capital amount, the third monthly withdrawal amount, the third phase period, the third expected yield, and the third monthly investment profit during the third phase period; In the output step, the asset amount at the point of full repayment is output.

2. The loan repayment plan support system according to claim 1.

3. In the output information calculation step, The amount of funds at the end of the third phase period will not be negative. Calculate a third initial capital amount for the third phase period using the third final capital amount, the third phase period, the third expected yield, the third monthly investment profit during the third phase period, and the third monthly withdrawal amount; The calculated third initial capital amount is set as the second final reserve amount, Calculate a second initial capital amount for the second phase period using the second final savings amount, the second phase period, the second expected yield, the second monthly savings amount, and the second monthly investment profit during the second phase period; The calculated second initial capital amount is set as the first final reserve amount, The first monthly investment amount is calculated using the first final investment amount, the first phase period, the first expected yield, and the first monthly investment profit during the first phase period.

2. The loan repayment plan support system according to claim 1.

4. When the user specifies the first set age and the second set age as set ages of the same age, In the phase period calculation step, The first phase period is from the repayment start age of the loan to the set age, The second phase period is omitted, The period from the set age to the age at which the loan is fully repaid is calculated as the third phase period.

4. The loan repayment plan support system according to claim 1, wherein the loan repayment plan support system is a system for supporting a loan repayment plan.

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