Loan inquiry system, loan inquiry method, and loan inquiry program

Abstract

Regardless of the experience level of the real estate agent or the complex borrowing conditions of each financial institution, this system provides a lender inquiry system, method, and program that allows real estate agents to easily suggest financial institutions that are likely to provide loans to prospective real estate buyers, thereby reducing the workload of preliminary loan applications and improving reliability. [Solution] When a prospective buyer of a real estate property wishes to borrow money from a financial institution, the control unit of the operating terminal 2, which is operated by the real estate agent, executes a property information acquisition step that accepts input of property information of the real estate property, a personal information acquisition step that accepts input of the prospective buyer's personal information, and an inquiry step that, based on the property information of the real estate property received in the property information acquisition step and the personal information of the prospective buyer received in the personal information acquisition step, refers to a pre-database of financial institution information and displays one or more financial institutions on the display screen that can provide a loan.

Description

Technical Field

[0001] The present invention relates to a borrower inquiry system, a borrower inquiry method, and a borrower inquiry program. In particular, when a person who wishes to purchase a real estate property wishes to borrow from a financial institution, the present invention relates to a borrower inquiry method and a borrower inquiry program on an operation terminal operated by a real estate agent of the real estate property.

Background Art

[0002] Conventionally, when purchasing real estate such as land or buildings, a system that determines the ineligibility for financing based on predetermined input conditions by a computer system equipped with artificial intelligence for a loan application from a purchaser has been adopted as a well-known technique.

[0003] Also, a system for communicating the progress of the review at that time (including the process and results, etc.) among multiple parties including real estate agents and financial institutions is also known (for example, see Patent Document 1).

Prior Art Documents

Patent Documents

[0004]

Patent Document 1

Summary of the Invention

Problems to be Solved by the Invention

[0005] Here, the above-described system relates to the processing performed by a financial institution side that plans to provide financing such as a bank.

[0006] Generally, in real estate transactions, a real estate agent often acts as an intermediary. When applying for a loan, the real estate agent obtains personal information from the borrower and also obtains detailed information about the corresponding real estate, and narrows down the possible financial institutions for the loan to a certain extent, including past financing results, and proposes them to the purchaser.

[0007] However, suggesting financial institutions that are likely to approve loans, taking into account past lending results, is difficult for, for example, inexperienced staff members such as new recruits. Furthermore, in recent years, with the increasing complexity of borrowing conditions (including loan terms), narrowing down financial institutions has become difficult even for experienced staff.

[0008] Therefore, the object of the present invention is to provide a lender inquiry system, a lender inquiry method, and a lender inquiry program that can reduce the preliminary loan application process and improve reliability by enabling real estate agents to easily propose financial institutions that are likely to provide loans to prospective real estate buyers, regardless of the experience level of the person in charge at the real estate agent or the complex borrowing conditions of each financial institution. [Means for solving the problem]

[0009] To achieve the above objective, the present invention provides an operating terminal operated by a real estate agent when a prospective buyer of a real estate property wishes to borrow money from a financial institution, wherein the control unit of the operating terminal includes a property information acquisition step that receives input of property information of the real estate property, a personal information acquisition step that receives input of personal information of the prospective buyer, and an inquiry step that, based on the property information of the real estate property received in the property information acquisition step and the personal information of the prospective buyer received in the personal information acquisition step, refers to a pre-database of financial institution information and displays on a display screen one or more financial institutions from which a loan can be obtained. It is characterized by performing the following. [Effects of the Invention]

[0010] According to the present invention, if real estate agents can easily propose financial institutions that are likely to provide loans to prospective real estate buyers, regardless of the experience level of the person in charge at the real estate company or the complex borrowing conditions of each financial institution, the preliminary loan application process can be reduced and reliability can be improved. [Brief explanation of the drawing]

[0011] [Figure 1] This is an explanatory diagram showing an example of a lender inquiry system according to this embodiment. [Figure 2] This is an explanatory diagram of the display routine executed by the control unit of the borrower inquiry system according to this embodiment. [Figure 3] This is an explanatory diagram of a display screen showing an example of the property information input screen of the operating terminal in the loan inquiry system according to this embodiment. [Figure 4] This is an explanatory diagram of a display screen showing an example of the screen for extracting and displaying available financial institutions on the operating terminal of the loan inquiry system according to this embodiment. [Figure 5] This is an explanatory diagram of a display screen showing an example of a personal information input display screen on an operating terminal in the loan inquiry system according to this embodiment. [Figure 6] This is an explanatory diagram of a display screen showing an example of the preliminary application display screen of the operating terminal in the borrower inquiry system according to this embodiment. [Figure 7] This is an explanatory diagram of a display screen showing an example of a confirmation display screen for an operating terminal in the borrower inquiry system according to this embodiment. [Figure 8] This is an explanatory diagram of a display screen showing an example of the preliminary application completion display screen on the operating terminal in the borrower inquiry system according to this embodiment. [Figure 9] This is an explanatory diagram of a display screen showing an example of another property information input screen on the operating terminal in the loan inquiry system according to this embodiment. [Modes for carrying out the invention]

[0012] Next, a loan inquiry system, loan inquiry method, and loan inquiry program according to one embodiment of the present invention will be described with reference to the drawings.

[0013] In FIG. 1, the borrower inquiry system 1 includes an operation terminal 2 such as a tablet terminal owned by an intermediary (person in charge) such as a real estate agent, and a reception terminal 3 owned by a financial institution such as a bank that can be connected (including sending emails, etc.) to the operation terminal 2 through a telecommunications line NT.

[0014] When a person who wishes to purchase a real estate property wishes to borrow from a financial institution, the operation terminal 2 operated by the intermediary of the real estate property is not particularly limited as long as it includes a known computer function including an operation unit, a control unit, and a display unit, such as a desktop personal computer, a notebook personal computer, or a smartphone in addition to the tablet terminal.

[0015] Similarly, the reception terminal 3 is not particularly limited as long as it includes a known computer function such as various servers, a desktop personal computer of a loan officer, a notebook personal computer, etc.

[0016] Here, the operation terminal 2 and the reception terminal 3 will be described below in the case of only mutually sending and receiving emails, but the mutual communication is not limited, for example, a method of receiving electronic applications after installing a provisional application application of a financial institution.

[0017] In the case of a tablet terminal, the operation terminal 2 incorporates a storage unit and a control unit not shown in the figure, and includes a touch panel type display unit 2a that also serves as an operation unit. Therefore, the storage unit stores various programs including the program for the control unit according to the present embodiment, and the financial institution information database described later.

[0018] Next, an example of the process executed by the operation terminal 2 (control unit) will be described while referring to FIG. 2. In the following description, although it is actually executed by the control unit, it is generically referred to as being executed by the operation terminal 2.

[0019] (Step S1) As shown in Figure 3, the operating terminal 2 displays the property information input screen on display screen 2a and prompts the operator to perform a property information acquisition step that accepts input of property information for real estate properties. The operator confirms this display and performs the task of placing check marks on each applicable condition. Once the placement of check marks is complete, the operator taps the "Find a Financial Institution" button to proceed to the next screen (next task). As shown in Figure 3, the content of the items is not limited and may include tenant conditions as part of personal information. In other words, this step S1 can also be replaced with basic or primary conditions for the property and the individual.

[0020] (Step S2) Upon receiving the tap, the operating terminal 2, as shown in Figure 4, refers to the property information entered in the property information acquisition step of step S1, and displays one or more financial institutions in a list on display screen 2a, which can be selected as a loan-eligible financial institution extraction screen, by referring to the financial institution information that has been stored in a database in advance. The terminal accepts the initial selection input of one or more desired financial institutions. inquiry The operator is instructed to perform the step.

[0021] In this case, the operating terminal 2 can display characteristic information in each column of each financial institution displayed in the list, including interest rate conditions (interest rate type, interest rate ratio, etc.) and messages indicating the characteristics of each financial institution (for example, "No. 1 in customer satisfaction").

[0022] Furthermore, when the operating terminal 2 refers to the database, it extracts banks that can provide loans based on conditions such as not providing loans for leased land properties, and displays one or more financial institutions in a list on display screen 2a. At this stage, only the general name of the financial institutions displayed in the list may be shown.

[0023] The user confirms this display and then performs the task of placing a checkmark next to the relevant financial institution. Once the task is complete, they tap the "Proceed to Enter Personal Information" button to move to the next screen (next task).

[0024] (Step S3) Upon the tap, the operating terminal 2 displays the personal information input screen on display screen 2a, as shown in Figure 5, and prompts the operator to perform a personal information acquisition step in which they input the personal information of a prospective buyer of a real estate property. The operator confirms this display and performs the necessary input work or check mark work for each applicable condition. Once the work is completed, they tap the "View Loan Information" button to move to the next screen (next step). Note that the personal information shown in Figure 5 is more detailed than the borrower conditions shown in Figure 3. Therefore, detailed property conditions (for example, land size and construction method) can be included at the timing of this step S3. In other words, it is also possible to replace this step S3 with detailed conditions or secondary conditions.

[0025] (Step S4) Upon tapping, the operating terminal 2, as shown in Figure 6, refers to the property information entered in step S1 (property information acquisition step) and the personal information entered in step S3 (personal information acquisition step), and displays a list of one or more financial institutions on display screen 2a, which can be selected as a screen for extracting financial institutions that can be pre-screened. secondary Secondary input accepts selection input. inquiry The operator is instructed to perform the step.

[0026] At this stage, the operating terminal 2 can display interest rate conditions (interest rate type, interest rate percentage, etc.) and characteristic information of each financial institution, as well as repayment amount and loan amount, in each column of the listed financial institutions. At this stage, the financial institutions displayed in the list may, for example, be the branch names of the financial institutions closest to the intermediary, loan applicant, property, etc.

[0027] The user confirms this display and then places a checkmark next to the corresponding financial institution. Once the checkmark is complete, they tap the "Proceed to Personal Information Input" button to move to the next screen (next step).

[0028] (Step S5) The operating terminal 2 displays a screen for obtaining the second set of personal information required when actually applying for a loan, namely, identification documents such as a driver's license, which are not required in steps S2 and S4, and prompts the user to take a photograph using the camera function installed in the operating terminal 2.

[0029] (Step S6) The operating terminal 2 associates the property information obtained in step S2, the personal information obtained in step S3, and the personal information obtained in step S5 as a single set, and then, as shown in Figure 7, displays a confirmation screen on display screen 2a to allow the operator to perform the confirmation task.

[0030] Furthermore, the screen for extracting eligible financial institutions in Step S2, the screen for extracting eligible financial institutions for preliminary application in Step S4, and the confirmation screen in Step S6 can be shown to the loan applicant (allowed to view them) as needed, after which the next steps can be taken.

[0031] After the user confirms this display, they tap the "Submit with this information" button to proceed to the next screen.

[0032] (Step S7) As shown in Figure 8, the operating terminal 2 displays the preliminary application completion screen and terminates this routine.

[0033] As described above, in this embodiment, when a prospective buyer of a real estate property wishes to borrow money from a financial institution, an operating terminal 2 is provided which is operated by the real estate agent. The control unit of this operating terminal 2 performs a property information acquisition step (step S1) which accepts input of property information of the real estate property, a personal information acquisition step (step S3) which accepts input of personal information of the prospective buyer, and an inquiry step (steps S2, S4) which, based on the property information of the real estate property received in the property information acquisition step and the personal information of the prospective buyer received in the personal information acquisition step, refers to a pre-database of financial institution information and displays one or more financial institutions on the display screen that can provide a loan.

[0034] Here, the control unit of the operating terminal 2, as an inquiry step, refers to pre-databased financial institution information based on the property information entered in the property information acquisition step, displays a list of one or more financial institutions that can be selected, and displays characteristic information including interest rate conditions for each financial institution in the list, and accepts the initial selection input of one or more desired financial institutions. inquiry Step (Step S2), and the primary inquiry This process involves a secondary inquiry step (Step S4) that, targeting one or more financial institutions that have been accepted in the first step, displays one or more financial institutions on the screen that can provide a loan, based on the personal information of the prospective buyer accepted in the personal information acquisition step, by referring to financial institution information that has been pre-documented in a database.

[0035] Furthermore, the control unit of the operating terminal 2 further executes a transmission step (step S7) in which it transmits property information and provisional application information, including personal information, to the terminal of the financial institution selected through the inquiry step via the telecommunication line NT.

[0036] This would allow real estate agents to easily suggest financial institutions that are likely to provide loans to prospective buyers, regardless of the experience level of the agents or the complex loan conditions of each financial institution. This would reduce the workload of preliminary loan applications and improve credibility.

[0037] It should be noted that the present invention is not limited to the embodiments described above, and various modifications are possible within the scope of its spirit and technical concept, such as displaying "property conditions" and "tenant conditions" separately as shown in Figure 3, or changing the order of the property information input step and the personal information input step. Furthermore, it can be appropriately adapted to the addition or modification of various screening items due to revisions or changes in laws and regulations, as well as changes in the conditions of financial institutions such as banks. Such modifications will be described in order below.

[0038] (1) Simultaneous input of personal information and property information For example, the display screen 2a of the operating terminal 2 can simultaneously display the property information input screen of step S1 and the personal information input screen of step S3 on a single screen, and the routine of step S2 can be omitted.

[0039] (2) Enter detailed conditions for property information and personal information Furthermore, the information required for input on each screen, which is displayed on the aforementioned display screen 2a and used to prompt the operator to perform input tasks, is not limited to the above. Specific conditions (an example of items is shown below, but this display will either require a check mark input or input of characters or numbers, depending on the item) may be used.

[0040] (3) Condition items ≪Prospective Borrowers≫ • Individual or legal entity ≪Postal Code≫ • Current address postal code • Postal code of the property you plan to purchase ≪Property≫ • Target area: Remote areas, etc. *Please enter the postal code of your registered address and the target property. • Leased land properties (regular lease, fixed-term lease) • Outside urbanized areas • Urbanization control area (property where reconstruction by a third party is not permitted) • Undetermined boundary • Provisional land allocation, reserved land properties • Except for roads • Older buildings that do not meet current seismic standards. Terraced houses • Second home / vacation home • Properties that do not comply with the Building Standards Act and other laws and regulations. • Existing non-conforming properties • Commercial properties (including mixed-use residential and commercial properties) • Income-generating properties (including mixed-use residential and rental properties) • Transactions involving the omission of intermediate registration • Bridge loan • Remote islands ≪Use of Funds≫ • Home loan Investment loans • Apartment loan (1 building) Other (e.g., real estate secured loans) ≪Attribute≫ • Length of employment *Enter the year and month of employment • Concerns about personal communications (negative information, job changes, etc.) • Not eligible for group life insurance. • Temporary employee ·contract employee Part-time,アルバイト (part-time job) • Foreign national (with permanent residency or special permanent residency) • Foreign national (without permanent residency or special permanent residency) • Self-employed individuals (corporate representatives or officers) Self-employed individuals (individual business owners) • Deficit financial results (by the company representative or officer) ·Working overseas (working at a Japanese company, stationed overseas) ·Overseas work (overseas company) • Planned divorce • Pair loan Parent-child relay ≪Property Type≫ • Architecture (land + building) • Architecture (buildings only) • Used detached house • Used apartment ·others ≪Other≫ • I would like to borrow money for home renovations. • I would like to request a bridging loan. • I would like to borrow money to cover miscellaneous expenses. • I would like to consolidate my loans. • Transactions between relatives • Private sales between individuals without the mediation of a real estate agent. • Borrowing under a corporate name

[0041] (4) Customer (Joint Debtor, Joint Guarantor) Conditions • Annual income (for the past two years) • Number of existing loans • Existing loan initial loan amount • Outstanding balance of existing debt • Monthly payment amount for existing loans • Use of existing loans Home postal code • Postal code of the property you plan to purchase • Family structure (number of people living together) • Age

[0042] (5) Identity verification documents (applicant, joint debtor, joint guarantor) ·full name ·date of birth ·address ·sex Driver's license number • Date of joining the company

[0043] (6) Personal information other than identity verification documents or property information • Name of employer • Work address • Work phone number • Occupation (self-employed, company employee, part-time worker, etc.) • Industry Required funds • Desired loan amount ·Self-funded • Property price • Miscellaneous expenses (if you wish to borrow money) • Renovation cost (if you wish to borrow money)

[0044] (7) Enter information about the property you plan to purchase and other details • Postal code and address • Apartment name / room number • Date of construction • Site area • Floor area (exclusive use area) • Rights to the site

[0045] (8)Contractor information Company name, contact person ·address ·phone

[0046] (9) Information on intermediaries Company name, contact person ·address ·phone

[0047] (10) Display control by blacklisting Furthermore, it is generally possible to reflect the so-called "blacklist" that can be set by financial institutions. For example, in the list of financial institutions displayed in Figure 4 or Figure 6, it is possible to add financial institutions that have been set by the financial institution (or individual), or by the real estate agent, to the blacklist. This makes it possible to prevent the relevant financial institutions from being displayed in the list.

[0048] In addition ,above In this embodiment, we have used an example where communication took place between an intermediary and a financial institution via a telecommunications line NT, but it is also possible to include loan applicants, judicial scriveners for registration, etc.

[0049] Furthermore, although not to be exemplified individually, the present invention may be implemented with various modifications without departing from its spirit. [Explanation of Symbols]

[0050] 1. Loan Inquiry System 2 Operating terminal 2a Display screen

Claims

1. When a prospective buyer of a real estate property wishes to borrow money from a financial institution, the system is equipped with an operating terminal that is operated by the real estate agent handling the property. The control unit of the aforementioned operating terminal is: A property information acquisition step that accepts input of property information for the aforementioned real estate property, The personal information acquisition step involves receiving the personal information of the prospective purchaser, An inquiry step that, based on the property information of the real estate property received in the property information acquisition step and the personal information of the prospective buyer received in the personal information acquisition step, displays one or more financial institutions on a screen that can provide a loan by referring to financial institution information that has been stored in a database, Execute A lender inquiry system characterized by the following:

2. In the borrower inquiry system described in claim 1, The control unit of the aforementioned operating terminal is As the aforementioned inquiry step, Based on the property information entered in the aforementioned property information acquisition step, the system displays a list of one or more financial institutions that can be selected by referring to a pre-database of financial institution information, and displays characteristic information including interest rate conditions for each financial institution in the list, and accepts the initial selection input of one or more desired financial institutions in the initial introduction step. A secondary inquiry step involves, targeting one or more financial institutions that have been accepted in the initial referral step, referring to a pre-database of financial institution information based on the personal information of the prospective buyer accepted in the personal information acquisition step, and displaying one or more financial institutions that can provide loans on the display screen. Execute A lender inquiry system characterized by the following:

3. In the borrower inquiry system according to claim 1 or claim 2, The control unit of the aforementioned operating terminal is The following steps are further performed: A transmission step is executed to transmit the property information and the provisional application information, including the personal information, via a telecommunications line to the terminal of the financial institution selected after the inquiry step. A lender inquiry system characterized by the following:

4. A method for inquiring about lenders, which is executed by the control unit of an operating terminal operated by a real estate agent when a person who wishes to purchase a real estate property wishes to borrow money from a financial institution, A property information acquisition step that accepts input of property information for the aforementioned real estate property, The personal information acquisition step involves receiving the personal information of the prospective purchaser, An inquiry step that, based on the property information of the real estate property received in the property information acquisition step and the personal information of the prospective buyer received in the personal information acquisition step, displays one or more financial institutions on a screen that can provide a loan by referring to financial institution information that has been stored in a database, To execute A method for inquiring about lenders, characterized by the following:

5. When a prospective buyer of a real estate property wishes to borrow money from a financial institution, the control unit of the operating terminal operated by the real estate agent is controlled by: A property information acquisition step that accepts input of property information for the aforementioned real estate property, The personal information acquisition step involves receiving the personal information of the prospective purchaser, An inquiry step that, based on the property information of the real estate property received in the property information acquisition step and the personal information of the prospective buyer received in the personal information acquisition step, displays one or more financial institutions on a screen that can provide a loan by referring to financial institution information that has been stored in a database, To execute A lender inquiry program characterized by the following:

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