List generation system and list generation program

Abstract

To provide a list generation system and a list generation program for enabling a user such as a financial institution or an entrepreneur to easily know the financing circumstances of real estate in a predetermined area.SOLUTION: A list generation system 1 according to the present invention includes a region specification unit 11 that specifies a region on a map displayed on a display 6 of a terminal 2 by an operation of an operation unit 5 of the terminal 2, a mortgagee extraction unit 12 that extracts a mortgagee for a real estate in the region specified by the region specification unit 11, and a list generation unit 14 that generates a list including a claim amount for the mortgagee extracted by the mortgagee extraction unit 12.SELECTED DRAWING: Figure 1

Description

[Technical Field]

[0001] The present invention relates to a list generation system and a list generation program for generating a list of mortgagees of real estate. [Background technology]

[0002] When financial institutions, real estate developers, land utilization service providers, etc. are involved in the development of a certain area, it is useful to understand the owners of the real estate in that area as well as the financial institutions that are lending to those owners. However, to do this, they must look up the land numbers for each piece of real estate in the area using a blue map, which is a residential map superimposed with the contents of a cadastral map, obtain registration information based on the land numbers, and confirm the owners and mortgagees (financial institutions), which is a very time-consuming process.

[0003] Furthermore, if financial institutions know the lending status of other financial institutions in a certain area, they can formulate sales strategies based on that information and make it easier to propose new loans, including loan refinancing, to real estate owners. Patent Document 1 describes an invention that is useful for real estate loan refinancing: a real estate loan refinancing loan term proposal program, which enables financial institutions to automatically and with high accuracy determine the creditworthiness and loan terms of the borrower based on the repayment history information of the person seeking a refinancing loan, and propose refinancing loan terms. [Prior art documents] [Patent documents]

[0004] [Patent Document 1] Patent Publication No. 2021-144357 Summary of the Invention [Problem to be solved by the invention]

[0005] However, the real estate loan refinancing loan condition proposal program described in Patent Document 1 is not intended to help financial institutions and businesses understand the loan situation for real estate in a specific area when they want to know the loan situation.

[0006] The present invention has been made in consideration of the above circumstances, and aims to provide a list generation system and a list generation program that allow users such as financial institutions and businesses to easily find out the real estate financing situation in a specified area. [Means for solving the problem]

[0007] In order to solve the above problem, the list generation system of the present invention is characterized by comprising an area identification means that identifies an area on a map displayed on the display of a user terminal by operating the user terminal, a mortgagee extraction means that extracts mortgagees for real estate within the area identified by the area identification means, and a list generation means that generates a list including the amount of claim for the mortgagees extracted by the mortgagee extraction means.

[0008] The list generation system of the present invention may be provided with a list display means for displaying the list on the display, and in this case, when a mortgagee included in the list displayed on the display is selected by operating the user terminal, it may be provided with a location display means for displaying the real estate mortgaged by the mortgagee on a map displayed on the display, and may further be provided with a registration information display means for displaying on the display registration information for the real estate mortgaged by the mortgagee displayed on the map displayed on the display by the location display means.

[0009] In addition, the list generation program of the present invention is characterized in that it causes a computer to function as an area identification means that identifies an area on a map displayed on the display of a user terminal by operation of the user terminal, a mortgagee extraction means that extracts mortgagees for real estate within the area identified by the area identification means, and a list generation means that generates a list including the amount of claim for the mortgagees extracted by the mortgagee extraction means.

[0010] The list generation program of the present invention may cause a computer to function as a list display means for displaying the list on the display, and in this case, the computer may function as a location display means for displaying, when a mortgagee included in the list displayed on the display is selected by operating the user terminal, the real estate mortgaged by the mortgagee on a map displayed on the display, and may further function as a registration information display means for displaying, on the display, registration information for the real estate mortgaged by the mortgagee displayed on the map displayed on the display by the location display means.

[0011] In the list generation system and list generation program of the present invention, the location display means may display the real estate mortgaged by the one mortgagee in a graphic on a map displayed on the display, and the graphic may indicate the amount of the claim or the cancellation of the mortgage by its size, shape or color. [Effects of the Invention]

[0012] According to the present invention, users such as financial institutions and businesses can easily find out the financing status of real estate in a specified area. [Brief explanation of the drawings]

[0013] [Figure 1] 1 is a block diagram showing a hardware configuration of a list generation system according to an embodiment of the present invention, and functional units that function when a list generation program is executed. [Figure 2] 1 is a flowchart showing the processing of the list generation system. [Figure 3] FIG. 10 is an explanatory diagram showing a login screen of a service site provided by the list generation system. [Figure 4] FIG. 10 is an explanatory diagram showing a map screen of a service site. [Figure 5] FIG. 10 is an explanatory diagram showing a real estate information screen for real estate located at a point specified on the map on the map screen. [Figure 6] FIG. 10 is an explanatory diagram showing a pull-down menu displayed when the "TOOLS" button is selected on the map screen. [Figure 7] FIG. 10 is an explanatory diagram showing a "Real Estate Loan Ranking" screen including a mortgagee list that is displayed by selecting the "Loan Ranking" button in the pull-down menu. [Figure 8] FIG. 10 is an explanatory diagram showing pins representing the locations of mortgaged properties displayed upon selection of a mortgagee in the mortgagee list. [Figure 9] FIG. 10 is an explanatory diagram showing a loan information screen displayed by selecting a pin. [Figure 10] FIG. 10 is an explanatory diagram showing a copy selection screen displayed by selecting the "View this copy" button on the loan information screen. DETAILED DESCRIPTION OF THE INVENTION

[0014] An embodiment of the present invention will be described with reference to the drawings.

[0015] As shown in Figure 1, the list generation system 1 of this embodiment includes a server 3 with which a terminal 2 used by a user can communicate, and a database 4 connected to or built into the server 3, and generates a list (mortgagee list) of mortgagees of real estate in a specified area (specific region).

[0016] The terminal 2 is a computer such as a personal computer, tablet, or smartphone, and includes an operation unit 5 that accepts user operations, and a display 6.

[0017] The server 3 is composed of a computer such as a personal computer, and is equipped with a CPU 7 (Central Processing Unit), memory 8 consisting of a ROM (Read Only Memory), RAM (Random Access Memory), etc., and a recording unit 9 consisting of a HDD (Hard Disk Drive), SDD (Solid State Drive), etc.

[0018] The memory 8 stores programs necessary for startup and is used as a work area during processing by the CPU 7, and the recording unit 9 has installed therein a program (list generation program) that causes the server 3 and database 4 to function as the list generation system 1. By executing this program, the CPU 7 functions as a display unit 10, an area identification unit 11, a mortgagee extraction unit 12, a real estate search unit 13, a list generation unit 14, an assessed value calculation unit 15, and a rent calculation unit 16, and the server 3 and database 4 function as the list generation system 1, while the terminal 2 is able to access a service site provided by the server 3 (a service site capable of generating a mortgagee list).

[0019] Database 4 consists of a computer such as a personal computer or a recording device such as a hard disk drive, and real estate registration information obtained from real estate registration certificates and certified copies of the real estate registry (for example, real estate number, location, parcel number, land use, land area, house number, structure, floor area, cause and date (date of registration), owner's address and name, matters related to ownership, matters related to rights other than ownership (including mortgage establishment, cause of mortgage establishment and amount of claim, mortgagee, etc.), matters related to joint guarantees) is recorded as data in CSV format or the like, and the registration certificates and certified copies of the real estate registry are recorded as image data in PDF format or the like.

[0020] In addition, database 4 records roadside land prices, standard land prices, announced land prices, market prices (actual prices), market rents (average rent per tsubo for each type of building and land, etc.) as basic information used to calculate the assessed value or rent of real estate.

[0021] As will be described later, the display unit 10 displays a login screen on the display 6 of the terminal 2 that accesses the service site, and also displays various screens after login.

[0022] When a pin 22 (described later) is positioned at a certain point on the map displayed on the display 6 by operating the operation unit 5, and the point is designated, the area specification unit 11 specifies the real estate located at the point and a predetermined area such as a city, ward, town, or village that includes the point. In this case, the area specification unit 11 specifies a town or village as the predetermined area.

[0023] The mortgagee extraction unit 12 extracts information about mortgagees for real estate within the area specified by the area specification unit 11 by accessing the database 4 and searching for registration information.

[0024] The real estate search unit 13 accesses the database 4 and searches for information relating to the real estate identified by the area identification unit 11 (the real estate located at the point where the pin 22 is located).

[0025] The list generation unit 14 generates a list (mortgagee list) for the mortgagees extracted by the mortgagee extraction unit 12, including the amount of loan (claim amount) that each mortgagee (creditor) makes to the property owner (debtor).

[0026] The assessed value calculation unit 15 accesses the database 4 to calculate the assessed value of the real estate identified by the area identification unit 11. In this case, this calculation is performed simply by multiplying the land value by the area of ​​the real estate, but it may also be performed by any other method using the information stored in the database 4.

[0027] The rent calculation unit 16 accesses the database 4 to calculate the estimated rent of the real estate identified by the area identification unit 11. Here, this calculation is performed simply by multiplying the market rent (average price per tsubo) by the area of ​​the real estate, but it may also be performed by any other method using the information stored in the database 4.

[0028] Figure 2 shows the processing of the list creation system 1. In the list creation system 1, when a user accesses the login screen 20 of the service site shown in Figure 3 using the terminal 2 and logs in by entering their ID and password (step 1 (shown as "S.1" in Figure 2, and the same applies below)), the server 3 (display unit 10) displays a map screen 21 including a map on the display 6, as shown in Figure 4 (step 2).

[0029] When a user designates an arbitrary point on the map using pin 22 on map screen 21 by operating operation unit 5, server 3 (display unit 10, area identification unit 11, real estate search unit 13) accesses database 4 to obtain information such as the address and lot number of the real estate located at the point of pin 22, and displays real estate information screen 23 showing the obtained information within map screen 21 (superimposed on map screen 21), as shown in Fig. 5. At this time, server 3 (display unit 10, area identification unit 11, real estate search unit 13, assessed value calculation unit 15, rent calculation unit 16) may obtain information such as land value from database 4, calculate the assessed value of the real estate located at the point of pin 22 (or the estimated rent if the rent can be estimated), and display the assessed value, etc. on real estate information screen 23, thereby enabling the user to know the real estate located at the point of pin 22 from the perspective of stock (or cash flow).

[0030] On the map screen 21, when the user selects the "TOOLS" button 24 in the upper right corner of the screen by operating the operation unit 5 as shown in Figure 6, and then selects the "Loan Ranking" button 25 from the pull-down menu that appears to specify an area (step 3), the server 3 (display unit 10, area identification unit 11, mortgagee extraction unit 12) identifies the area that includes the location of the pin 22 as "Nihonbashi Muromachi, Chuo Ward" (step 4), accesses the database 4, and extracts registration information for real estate within the area 26 (see Figure 7) identified in step 4, including the establishment of a mortgage, the cause of the mortgage, the amount of the claim, and the mortgagee (step 5).

[0031] Next, the server 3 (display unit 10, list generation unit 14) generates a mortgagee list in which the mortgagees included in the registration information extracted in step 5 are ranked in order of the total loan amount, which is the sum of their claims (step 6), and displays a "Real Estate Loan Ranking" screen 27 including the list generated in step 6 on the map screen 21 (step 7), as shown in Figure 7. The "Real Estate Loan Ranking" screen 27 includes the names or surnames of the mortgagees as well as the percentage of each mortgagee's total loan amount to the whole (the sum of the total loan amounts of all mortgagees). In addition, the "Real Estate Loan Ranking" screen 27 is provided with a "Creditor" button and a "Debtor" button, and when the "Debtor" button is selected by operating the operation unit 5, the names or surnames of the debtors and the percentage of each debtor's debt amount to the total (the sum of the debt amounts of all debtors) may be displayed in order of debt amount (when the "Creditor" button is selected by operating the operation unit 5, the names or surnames of the mortgagees and the percentage of each mortgagee's total loan amount to the total are displayed, as described above).

[0032] When the user selects one mortgagee from the "Real Estate Loan Ranking" screen 27 by operating the operation unit 5 (step 8), the server 3 (display unit 10) displays the real estate mortgaged by the mortgagee selected in step 8 on the map displayed on the map screen 21 with a pin 28 (step 9), as shown in Fig. 8. The size of the pin 28 indicates the amount of the claim, and the color of the pin 28 indicates, for example, if it is blue, the mortgage is still in effect, and if it is red, the mortgage has been cancelled.

[0033] When the user selects one of the pins 28 by operating the operation unit 5 (step 10), the server 3 (display unit 10) displays a loan information screen 29 showing the loan details for the real estate corresponding to the pin 28 on the map screen 21, as shown in Fig. 9 (step 11). The loan information screen 29 displays the address, lot number, creditor, total loan amount, maximum amount of the mortgage, debtor, registration date, etc. of the real estate, as well as a "View this certified copy" button 30. When the user selects the "View this certified copy" button 30 by operating the operation unit 5 (step 12), the server 3 (display unit 10) displays a certified copy selection screen 32 on the display 6, as shown in Fig. 10 (step 13).

[0034] The copy selection screen 32 displays a "View new copy" button 33, and if image data of the certificate of real estate registration or certified copy of the real estate register related to the property is recorded in the database 4, a "View used copy" button 34, and when the user selects the "View used copy" button 34 by operating the operation unit 5, the server 3 (display unit 10) displays the image data of the certificate of real estate registration or certified copy of the real estate register recorded in the database 4 on the display 6. On the other hand, when the user selects the "View new copy" button 33 by operating the operation unit 5, the server 3 (display unit 10) accesses a registration information providing service or the like operated by the People's Legal Association, a general incorporated foundation, to obtain the certificate of real estate registration or certified copy of the real estate register, records the contents of the obtained certificate of real estate registration or certified copy of the real estate register in the database 4, and displays the certificate of real estate registration or certified copy of the real estate register on the display 6.

[0035] The list generation system 1 of this embodiment comprises an area identification unit 11 that identifies an area on a map displayed on the display 6 of the terminal 2 by operating the operation unit 5 of the terminal 2, a mortgagee extraction unit 12 that extracts mortgagees for real estate located within the area identified by the area identification unit 11, and a list generation unit 14 that generates a list including the amount of debt for the mortgagees extracted by the mortgagee extraction unit 12.Therefore, for real estate in an area identified as a specified area by the area identification unit 11, mortgagees are extracted by the mortgagee extraction unit 12 and the debt amounts of these mortgagees are listed by the list generation unit 14, so that users such as financial institutions and businesses can easily know the lending status of real estate in a specified area.

[0036] In this embodiment, the display unit 10 displays the mortgagee list generated by the list generation unit 14 on the display 6 as a "Real Estate Financing Ranking" screen 27, allowing the user to get an overview of the real estate financing situation in a specified area on the terminal 2 at hand.

[0037] Furthermore, when a mortgagee included in the mortgagee list displayed on the display 6 is selected by operating the operation unit 5 of the terminal 2, the display unit 10 displays the real estate mortgaged by the mortgagee with a pin 28 on the map displayed on the display 6, so that the user can grasp at a glance the location of the real estate for which the mortgagee is financing.

[0038] Furthermore, the display unit 10 displays registration information such as the address, lot number, creditor, total loan amount, maximum amount of the mortgage, debtor, and registration date for real estate mortgaged by a mortgagee displayed on the map displayed on the display 6 on the loan information screen 29 on the display 6, so that if the user finds any real estate mortgaged by that mortgagee that interests the user, the user can immediately check the details, including the loan details.

[0039] Although the embodiments of the present invention have been described above as examples, the embodiments of the present invention are not limited to those described above, and may be modified as appropriate within the scope of the invention.

[0040] For example, in the above embodiment, the display unit 10, area identification unit 11, mortgagee extraction unit 12, real estate search unit 13, list generation unit 14, valuation calculation unit 15 and rent calculation unit 16 are provided on the server 3, but at least a portion of the display unit 10, area identification unit 11, mortgagee extraction unit 12, real estate search unit 13, list generation unit 14, valuation calculation unit 15 and rent calculation unit 16 may be provided on the terminal 2, and calculations by the valuation calculation unit 15 and rent calculation unit 16 may use data other than land value and market rent, or may take into account road access conditions and other circumstances.

[0041] Furthermore, in the above embodiment, when a mortgagee is selected from the "Real Estate Loan Ranking" screen 27, the server 3 displays the real estate mortgaged by the selected mortgagee on the map displayed on the map screen 21 using a pin 28, but the pin 28 may be changed to a graphic of another shape, and differences in shape (rather than size or color) may indicate the amount of the claim, the existence or cancellation of the mortgage, etc.

[0042] Furthermore, in the above embodiment, the server 3 makes it possible to obtain a certificate of registered matters and a certified copy of the registry for each individual property on the certified copy selection screen 32, but the manner of acquisition is not limited to this, and for example, it may be possible to obtain a certificate of registered matters and a certified copy of the registry all at once for multiple properties that are the subject of loans from a certain mortgagee. [Explanation of symbols]

[0043] 1. List Generation System 2. Terminal (user terminal) 3 Server (computer) 4 Database 5 Control section 6. Display 10 Display section (list display means, location display means, registration information display means) 11 Area identification unit (area identification means) 12 Mortgagee Extraction Unit (Mortgagee Extraction Means) 14 List generation unit (list generation means)

Claims

1. an area specifying means for specifying an area on a map displayed on a display of a user terminal by operation of the user terminal; a mortgagee extraction means for extracting mortgagees for real estate within the area specified by the area specification means; a list generation means for generating a list including the amount of claim for each mortgagee extracted by said mortgagee extraction means.

2. 2. The list generating system according to claim 1, further comprising a list display means for displaying the list on the display.

3. A list generation system as described in claim 2, further comprising a location display means for displaying on a map displayed on the display the real estate mortgaged by a mortgagee selected from the list displayed on the display by operating the user terminal.

4. The list generation system described in claim 3, further comprising a registration information display means for displaying registration information on the display for real estate mortgaged by the mortgagee displayed on the map on the display by the location display means.

5. The list generation system described in claim 3 or claim 4, wherein the location display means displays the real estate mortgaged by the mortgagee in a graphic on a map displayed on the display, and the graphic indicates the amount of the claim or the cancellation of the mortgage by size, shape or color.

6. Computer, an area specifying means for specifying an area on a map displayed on a display of a user terminal by operation of the user terminal; a mortgagee extraction means for extracting mortgagees for real estate within the area specified by the area specification means; and a list generating means for generating a list including the amount of claim for each mortgagee extracted by said mortgagee extracting means; A list generator that acts as a

7. Computer, a list display means for displaying the list on the display; 7. The list generating program according to claim 6, which functions as:

8. Computer, a location display means for displaying, when a mortgagee included in the list displayed on the display is selected by operating the user terminal, real estate mortgaged by the mortgagee on a map displayed on the display; 8. The list generating program according to claim 7, which functions as:

9. Computer, a registration information display means for displaying, on the display, registration information for the real estate mortgaged by the one mortgagee displayed on the map by the location display means; 9. The list generating program according to claim 8, which functions as:

10. The list generation program according to claim 8 or claim 9, wherein the location display means displays the real estate mortgaged by the mortgagee in a graphic on a map displayed on the display, and the graphic indicates the amount of the claim or the cancellation of the mortgage by size, shape or color.

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