Real estate investment simulation system

Abstract

This system provides real estate investment simulation tools that offer indicators for users' real estate investments by simulating future predictions based on users' income and expense data, and then simulate future predictions and risks for real estate properties based on these indicators. [Solution] In a real estate investment simulation system that presents a user with a future forecast of real estate investment, the simulation server includes a user information storage unit that stores the user's income and expenses, a property information storage unit that stores investment property information, a first simulation unit that performs a simulation to determine the user's investment type, and a second simulation unit that simulates a future forecast of cash flow based on the investment type and the selected investment property. The first simulation result from the first simulation unit and the second simulation result from the second simulation unit are presented to the user as graph images.

Description

Technical Field

[0001] The present invention relates to a real estate investment simulation system, and more particularly to a real estate investment simulation system for providing users with real estate investment indicators and visually displaying simulation effects.

Background Art

[0002] Conventionally, there are many systems for conducting investment analysis on real estate. For example, the real estate analysis support apparatus disclosed in Patent Document 1 includes a property information storage unit 21 that stores information on investment real estate properties, an owner information storage unit 22 that stores information on property owners, a rental information storage unit 23 that stores information on the rental status of properties, a loan repayment information storage unit 24 that stores information on property-related loans, an input unit 13 that receives input of analysis conditions from an analyst, and based on the information stored in the property information storage unit, the owner information storage unit, the rental information storage unit, and the loan repayment information storage unit, in accordance with the analysis conditions received by the input unit, a processing unit that processes investment-related information for a first property associated with the analyst, and an output unit that outputs the investment-related information processed by the processing unit. It is disclosed that a real estate investment analysis support apparatus 100 is provided.

Prior Art Documents

Patent Documents

[0003]

Patent Document 1

Summary of Invention

Problems to be Solved by the Invention

[0004] However, real estate investment requires analytical skills commensurate with specialized knowledge and experience. Furthermore, conventional investment simulations often lacked the functionality to present investment properties according to the user's objectives and circumstances, and many displayed analysis results using specialized investment analysis terminology and graphs. As a result, it was often difficult for beginners in real estate investment to select investment properties and analyze future predictions.

[0005] This invention has been made in view of the above problems, and aims to provide a real estate investment simulation system that provides indicators for the user's real estate investment by simulating the user's future predictions from the user's income and expenditure data, and that can simulate future predictions and risks of real estate properties based on these indicators. [Means for solving the problem]

[0006] To solve the above problems, the present invention provides a real estate investment simulation system that presents a user with a future investment forecast based on user-defined information in real estate investment, comprising: a user information storage unit that stores user information indicating the user's income and expenses; a property information storage unit that stores property information of investment properties; a first simulation unit that performs a simulation to determine the user's investment type based on the user information; and a second simulation unit that simulates a future cash flow forecast based on the investment type and the property information of the investment property selected by the user, wherein the simulation server presents the first simulation result by the first simulation unit and the second simulation result by the second simulation unit to the user as graph images.

[0007] Furthermore, the real estate investment simulation system of the present invention is characterized in that the simulation server has an object image database that stores one or more object images associated with each investment type, and the object images are images that correspond to the changes over time in the graph image presented in the simulation results.

[0008] Furthermore, the real estate investment simulation system of the present invention is characterized in that the first simulation unit performs an income and expenditure simulation based on the user information, determines the user's investment type calculated in the simulation, and presents the graph image and the object image.

[0009] Furthermore, the real estate investment simulation system of the present invention is characterized in that the second simulation unit performs a simulation of the cash flow when the user purchases the investment property that is subject to the investment type, and displays the object image in accordance with the changes over time for the graph image shown in the second simulation result.

[0010] Furthermore, the real estate investment simulation system of the present invention is characterized in that the simulation server extracts property information of the investment property that is the target of the user's investment type from the property information storage unit based on the simulation results of the first simulation, and presents it to the user.

[0011] Furthermore, the real estate investment simulation system of the present invention is characterized in that the simulation server has a text database that stores text corresponding to the object image, and the text stored in the text database is a first text that indicates the state of the object image and a second text that is associated with the first text and indicates content related to real estate investment.

[0012] Furthermore, the real estate investment simulation system of the present invention is characterized in that the first text and the second text are displayed when the object image displayed for the graph image is selected. [Effects of the Invention]

[0013] According to the present invention, it is possible to present the user with optimal real estate investment indicators by simulating the user's real estate type based on the user's income and expenses, and the user can select investment properties based on the real estate type. Furthermore, it is possible to perform cash flow simulations based on the selected investment property. Furthermore, the simulation results presented to the user include a graph image, object images associated with the changes in the graph, and text. By displaying these object images and text, even a novice real estate investor can easily judge the profitability of a real estate investment based on the object images and text associated with the graph changes, even if the simulation results are difficult to interpret solely from the graph changes. [Brief explanation of the drawing]

[0014] [Figure 1] This is a schematic diagram of the real estate investment simulation system according to this embodiment. [Figure 2] This is a diagram showing the configuration of a user terminal. [Figure 3] This is a diagram showing the configuration of the simulation server. [Figure 4] This is a diagram showing the configuration of the memory unit. [Figure 5] This diagram shows the structure of the user's basic information stored in the user database. [Figure 6] This diagram shows the structure of user revenue information stored in the user database. [Figure 7] This diagram shows the structure of user spending information stored in the user database. [Figure 8] This is a diagram showing the configuration of a property database. [Figure 9] This is a diagram showing the configuration of an object database. [Figure 10] This is a diagram showing the configuration of a text database. [Figure 11] This is a sequence diagram showing the process of the first simulation according to the present embodiment. [Figure 12] This is a diagram showing an example of information input by a user. [Figure 13] This is a diagram showing simulation results when the user is of the "profit" type. [Figure 14] This is a diagram showing simulation results when the user is of the "tax saving" type. [Figure 15] This is a diagram showing simulation results when the user is of the "inheritance" type. [Figure 16] This is a diagram showing simulation results when the user is of the mixed type of "profit" + "tax saving". [Figure 17] This is a sequence diagram showing the process of the second simulation according to the present embodiment. [Figure 18] This is a diagram showing an example of property information displayed on a user terminal. [Figure 19] This is a diagram showing an example of property information input by a user. [Figure 20] This is a diagram showing simulation results in the second simulation. [Figure 21] This is a diagram showing an example in which an object is displayed in the simulation results. [Figure 22] This is a diagram showing an example in which an object is displayed in the simulation results. [Mode for Carrying Out the Invention]

[0015] Hereinafter, embodiments of the present invention will be described in detail with reference to the drawings.

[0016] Next, the real estate investment simulation system according to this embodiment will be described with reference to the drawings. Figure 1 shows the configuration of the real estate investment simulation system according to this embodiment. As shown in the diagram, the real estate investment simulation system has user terminals 10 and a simulation server 20 that are interconnected via the Internet 1. In Figure 1, there are four user terminals 10 and one simulation server 20, but there may be more.

[0017] User terminal 10 is a terminal used by users who invest in real estate, or by employees of real estate investment companies, and includes, for example, desktop computers, smartphones, mobile devices, tablet devices, notebook computers, and other electronic devices.

[0018] The simulation server 20 is a computer device capable of information processing for real estate investment simulation processing and drawing processing such as graph images, and may be, for example, a personal computer, server, mainframe, or other electronic device.

[0019] (Regarding user terminal 10) Next, we will explain the functional configuration of the user terminal with reference to Figure 2. Figure 2 shows the configuration of the user terminal. As shown in the figure, the user terminal 10 consists of a control unit 11, an operation unit 12, a display unit 13, a storage unit 14, and a communication unit 15. The control unit 11 is a processor that has the function of controlling each functional part of the user terminal 10. For example, the control unit 11 stores information transmitted from the simulation server 20 in the storage unit 14 and displays the information on the display unit 13. Furthermore, the control unit 11 may generate display information based on the information input from the operation unit 12, store it in the storage unit 14, or control the communication unit 15 to send the display information to the simulation server 20.

[0020] The operation unit 12 has the function of receiving operation input from the user in accordance with the control unit 11. The operation unit 11 is implemented, for example, by soft keys such as a touch panel or hard keys. The display unit 13 has the function of displaying and outputting various information and accepting specified inputs according to the control unit 11, and may use, for example, an LCD (Liquid Crystal Display) display, an LED (Light Emitting Diode) display, etc.

[0021] The storage unit 14 has the function of storing various programs, data, parameters, etc., necessary for the operation of the user terminal 10 in accordance with the control of the control unit 11. The storage unit 14 is composed of various storage media such as a main memory device consisting of ROM and RAM, an auxiliary memory device consisting of non-volatile memory, etc., and a display input information and a display output information, etc.

[0022] (Regarding Simulation Server 20) Next, the functional configuration of the simulation server 20 will be described with reference to Figure 3. As shown in the figure, the simulation server 20 consists of a control unit 21, an operation unit 22, a display unit 23, a storage unit 24, a simulation unit 25, and a communication unit 26. The control unit 21 is a processor for controlling each functional unit of the simulation server 20. For example, it performs calculation processing in response to processing requests from the user terminal 10 or each functional unit of the simulation server 20, and also performs operations such as referencing, updating, and deleting information stored in the storage unit 24. The operation unit 22 and the display unit 23 have substantially the same functions as the operation unit 11 and display unit 13 of the user terminal 10 described above, so their explanation will be omitted.

[0023] The memory unit 24 has the function of storing various programs, data, parameters, etc., necessary for the operation of the simulation server 20 in accordance with the control of the control unit 11. The memory unit 14 stores, for example, display input information and display output information, and is composed of a main memory device consisting of ROM and RAM, an auxiliary memory device consisting of non-volatile memory, and various storage media such as HDD, SSD, and flash memory.

[0024] Furthermore, the memory unit 24 is equipped with various databases necessary for the processing operation of the real estate investment simulation, and as shown in Figure 4, it has a user database 24a, a property database 24b, an object database 24c, a graph database 24d, and a text database 24e.

[0025] The user database 24a is a database that stores user information, including an input form for users to input data from the operation unit 12 of the user terminal 10, and the entered user information. As shown in Figures 5 to 7, the user information consists of basic user information, user income information, and user expenditure information. First, as shown in Figure 5, the basic user information consists of a user ID arbitrarily chosen by the user, the user's "name" and "age," the spouse's "name" and "age" if applicable, and the child's "name" and "age" if applicable (including expected births). The "Name" field can be the user's real name or a username chosen by the user, or it may be left blank. Furthermore, user information is a collection of data linked to a user ID.

[0026] Next, as shown in Figure 6, the user's income information consists of information about the user's main source of income, such as the user's "annual income (10,000 yen)", "income increase", "multiplier", "net income (10,000 yen)", "national pension", "employee pension", "total pension (10,000 yen)", "other income (10,000 yen)", "period", "total income (10,000 yen)", and "total income with a period (10,000 yen)". If the user has a spouse, the spouse's "annual income (10,000 yen)", "income increase", "multiplier", "net income (10,000 yen)", "national pension", "employee pension", and "total pension (10,000 yen)" are also added to the user's income information.

[0027] As shown in Figure 7, user spending information consists of information about the user's main expenses. For example, if the user has rent payments, it consists of "Rent (monthly)", "Rent (annual)", "Other", and "Other annual expenses". If the user has a mortgage, it consists of "Monthly repayment amount (household)", "Until when (age)", and "Annual repayment amount". Regarding education expenses, users with children enter the cost of sending their children to private or public schools, and for "working-age living expenses" and "retirement living expenses," they enter the costs known from the Ministry of Internal Affairs and Communications' Household Expenditure Survey. For "total expenditure (10,000 yen)," they enter the cost calculated based on the number of people.

[0028] The user information described above is the information that the user has entered in the relevant fields. For example, if information essential for the simulation is not entered, an announcement prompting the user to enter it may be made.

[0029] As shown in Figure 8, property database 24b is a database that stores detailed property information as property data, and consists of data such as property ID, property image (photo), type, property name, price, yield, address, transportation, construction date, building structure, floor area, and total number of units. In addition to the property data mentioned above, it is possible to register additional property data for other necessary properties or for properties that users wish to simulate.

[0030] As shown in the diagram, each property data entry is linked to a property ID, for example, "A0001". "Property Image (Photo)" is one or more images, such as photos of the exterior, interior, and floor plan of the property. "Type" indicates whether the property is suitable for "income," "tax saving," or "inheritance," and property ID "A0001" indicates that it is of the "income" type. Please note that the items after the property name are general property information and therefore will not be explained.

[0031] The object database 24c stores object data that allows users to visually understand the income and property conditions when making a real estate investment in the real estate investment simulation of this embodiment. The object data specifically represents fruits and fruit trees, with the growth of the fruit trees indicating fluctuations in income, and the fruits representing rental income. For example, if the fruit trees bear a lot of fruit, it indicates that the balance of income from the real estate investment (rental income increases) is on an upward trend, while conversely, if the fruit trees bear little fruit, it indicates that the balance of income (rental income decreases) is on a downward trend.

[0032] Furthermore, the object data includes multiple types of fruits and fruit trees to match the user's real estate investment type. If the real estate investment type is "income," the fruits and fruit trees are "oranges." If the real estate investment type is "tax saving," the fruits and fruit trees are "apples." If the real estate investment type is "inheritance," the fruits and fruit trees are "grapes."

[0033] As shown in Figure 9, the object database 24c stores objects of fruits and fruit trees that correspond to the types of real estate investments described above. For example, if the type is "income" and the investment is "orange," it stores objects that represent oranges and orange trees; if the type is "tax saving" and the investment is "apple," it stores objects that represent apples and apple trees; and if the type is "inheritance" and the investment is "grapes," it stores objects that represent grapes and grape trees.

[0034] Furthermore, the growth of each object is indicated by the amount of fruit on a fruit tree. To explain using "mandarin oranges" as an example, the fruit tree object represented by fruit tree (1) represents a tree without any fruit, the fruit tree object represented by fruit tree (2) represents a tree with 3 fruits attached, and the fruit tree object represented by fruit tree (3) represents a tree with 7 fruits attached.

[0035] In addition to what is shown in Figure 9, there may also be objects that change the number of fruits on a fruit tree, or objects that show a fruit tree in a withered state. Furthermore, the number of fruits that grow on a fruit tree may be varied according to the characteristics of the fruit tree. For example, there may be fruit trees that produce a large number of fruits in a short period of time, fruit trees that take a long time to produce fruit, and fruit trees with a short fruiting cycle. In this embodiment, only three types of objects—"orange," "apple," and "grape"—are stored as data, but objects of other fruits may also be present.

[0036] The objects described above are intended to allow users to visually understand the income and expenses they can expect from the properties they invest in, as well as the condition of the properties. Furthermore, by becoming fruit tree owners, users can assess the condition of the fruit trees as if they were managing an orchard, and by understanding the condition of the fruit trees, they can use this knowledge to learn about risk management and simulations in real estate investment.

[0037] The graph database 24d stores graph images as data necessary when providing simulation results to users, and uses graph images such as bar graphs, pie charts, line graphs, band graphs, histograms, and radar charts.

[0038] The text database 24e is a database that stores text data to explain the contents of objects displayed in the simulation results, as shown in Figure 10. Each text ID is associated with text to explain the state of objects for fruit tree growth, investment text to explain the status of investment properties, and the objects that these texts refer to.

[0039] For example, the text ID "0001" is associated with two types of text data: one of the objects shown in Figure 9, which is text related to the growth of the fruit tree (3) ("The fruit tree is growing well and is expected to bear a lot of fruit"), and another text describing the status of the investment property represented by the fruit tree (3) ("Continuous rental income is expected"). Note that the text data shown in Figure 10 is just an example; it is possible to add or change the text data in accordance with the addition or modification of objects.

[0040] <Processing Actions> <Regarding the first simulation> Next, the processing operation of the real estate investment simulation according to this embodiment will be described with reference to Figures 11 to 16. In the first simulation, the user's life plan is simulated based on their current income and expenses, family structure, etc., and the type of real estate investment that suits the user's life plan is determined.

[0041] To use the real estate investment simulation according to this embodiment, the user first operates the user terminal 10 to request the simulation to start from the simulation server 20 (step S100). The user terminal 10 sends a start request to the simulation server 20 (step S101), and the simulation server 20 accepts the simulation start request (step S102).

[0042] When the simulation server 20 receives a simulation start request, the user requests an input form from the simulation server 20 for entering user information (family structure, expenses, income, etc.) (step S103). The user operates the user terminal 10 to send the input form request (step S104), and when the simulation server 20 receives the input form request (step S105), it sends the input form stored in the user database 24a of the storage unit 24 to the user terminal 10 via the control unit 21 (step S106).

[0043] The user operates the user terminal 10 and enters user information into the corresponding fields of the input form (step S107). As an example, the user information to be entered includes basic user information, income information, expense information, and investment property information, as shown below. In addition to the information mentioned above, users can also input information about future expenses they anticipate, such as the cost of purchasing a house or car, or travel expenses.

[0044] (1) User basic information • User ID (any string) • User's age and spouse's age • The child's age (including if you are planning to have children in the future)

[0045] (2) Income information (user and spouse) Annual income (in yen) • Annual income increase Other income • Current savings

[0046] (3) Expenditure information (user and spouse) • Rent (monthly) • Monthly repayment amount • Children's education expenses

[0047] When user information as shown in Figure 12 is entered, the completed input form is sent from the user terminal 10 to the simulation server 20 (step S108), and the simulation server 20 executes the simulation based on the user information entered in the received input form (step S109).

[0048] The simulation server 20 has a calculation unit 25a in the simulation unit 25 that executes a simulation based on "income," "expenses," and "savings" from the user information, and simultaneously, the image generation unit 25b extracts objects based on the calculation results from the object database 24c of the storage unit 24, and extracts appropriate graph images from the graph database 24d to generate graph images.

[0049] First, the type of real estate investment by the user is calculated from the calculation result of the calculation unit 25a. In this context, real estate investment types are classified into three categories: "profit," "tax reduction," and "inheritance." The "profit" type refers to a pattern where there is a deficit after retirement (savings are 0 yen or less), the "tax reduction" type refers to a pattern where there is a large increase in annual income (annual growth rate of 2% or more), and the "inheritance" type refers to a pattern where there is a desire to reduce inheritance tax, to leave real estate as an asset to children or relatives, and there is a large amount of savings (savings exceeding the basic inheritance tax exemption of 30 million yen + 6 million yen x the number of legal heirs). Furthermore, the type of real estate investment a user chooses is not limited to the calculation results from calculation unit 25a; it is also possible to combine different types (e.g., "profit" + "inheritance") by considering the user's preferences and other conditions.

[0050] Based on the calculation results of the calculation unit 25a, the type of real estate investment of the user and the objects set for that type are determined. In this case, since the user's real estate investment type is "revenue," the "orange" object, which is set to "revenue," becomes the user's object. In this embodiment, one of the features of the present invention is to associate the type of real estate investment of the user with fruit trees and fruit-bearing objects.

[0051] The reason for this is that the simulation results displayed in conventional real estate investment simulations focus solely on the income and expenses of the property itself and investment analysis, making it difficult for users to make future predictions based on their current income and expenses, or to determine what kind of investment property they should purchase. Therefore, in this invention, first, based on user information, it is possible to simulate the user's future predictions from information such as income, expenses, and family structure, as well as investment property information, and thereby determine the type of real estate investment that serves as an indicator of a real estate investment suitable for the user at the present time. In addition, along with the determination of the real estate investment type, the fruit trees and fruit objects associated with that type will also be determined.

[0052] Next, the graph images generated by the calculation unit 25a and the image generation unit 25b will be described. As shown in Figure 13, the generated graph image shows income and expenses as bar graphs with the user's age on the horizontal axis and amount on the vertical axis, and savings (excluding real estate) as a line graph. It also displays the determined type ("Revenue") and the object ("Orange" fruit tree).

[0053] As illustrated, it was found that the user's savings would be in the red at age 86 after retirement, and an increase in income was necessary, so the user's real estate investment type was determined to be the "income-generating" type.

[0054] As another example, the graph image shown in Figure 14 represents a graph where the user's real estate investment type is "tax saving." When a user's annual income increases significantly, such a graph is displayed, and because tax saving is often necessary, the real estate investment type becomes "tax saving," and the object displayed is an apple tree.

[0055] The graph image shown in Figure 15 represents a user with a large amount of savings whose real estate investment type is "inheritance." Because the real estate investment type is "inheritance," the object displayed is a "grape" fruit tree.

[0056] The graph shown in Figure 16 represents a user whose annual income increases significantly but whose savings become negative after retirement. In such cases, the type of real estate investment becomes a hybrid type that combines both "profit" and "tax savings." Therefore, the objects displayed are the "Orange" fruit tree for "Revenue" and the "Apple" fruit tree for "Tax Savings".

[0057] <Regarding the second simulation> Next, we will explain the second simulation with reference to Figures 17 to 22. The second simulation predicts future cash flows when the user selects an investment property based on the determined real estate investment type. First, the user operates the user terminal 10 to send a property viewing request to the simulation server 20 (step S200), and transmits the property viewing request to the simulation server 20 (step S201). When the simulation server 20 receives a property viewing request (step S202), it extracts the relevant property information from the property database 24b in the storage unit 24 via the control unit 21 and sends the property information to the user terminal 10 (step S203).

[0058] The user terminal 10 displays property information of the "profit" type as shown in Figure 18, and the user selects the desired property information (step S204). The user then enters the selected property information, along with information such as the expected purchase date and personal funds into an input form and sends it to the simulation server 20 as investment property information (step S205). As shown in Figure 19, investment property information, assuming the purchase of two properties, includes "property price," "purchase timing," "down payment," "interest rate," "loan term," and "cost and frequency of major repairs."

[0059] When the simulation server 20 receives investment property information, it runs a second simulation. In the second simulation, a cash flow simulation is performed based on investment property information, and a line graph is added in addition to the graph image generated in the first simulation. As shown in Figure 20, the line graph simulated in the second simulation has been added to the graph image generated in the first simulation, revealing that income increases except during the purchase period and the period of major repairs.

[0060] Furthermore, since the user's real estate investment type is "income-generating" and they own a "mandarin orange" fruit tree, it is possible to display objects on the graph image shown in Figure 21.

[0061] As shown in Figure 21, an object is displayed when a specific position is specified on the line graph of savings (including real estate). As shown in the diagram, if the user specifies the time when they purchased investment property 1 at the age of 53 (orange (1)), an object 24a consisting only of a fruit tree without any fruit yet will be displayed. Also, if the user specifies the time when their savings have reached a certain level since purchasing investment property 1 (orange (2)), an object 24a will be displayed with fruit on the fruit tree representing rental income. Furthermore, if you specify a location where rental income is on a downward trend (e.g., mandarin oranges (3)), an object 24a of a fruit tree with fewer fruits will be displayed compared to mandarin oranges (2).

[0062] Furthermore, as shown in Figure 22, it is also possible to arrange and display objects in accordance with the changes in the line graph without specifying any particular location. By arranging the objects in this way, as illustrated, the amount of fruit on a fruit tree can be grasped at a glance, and for example, it becomes possible to intuitively understand the increase or decrease in rental income of an investment property that the fruit represents.

[0063] Furthermore, by further specifying the objects displayed in Figures 21 and 22, it is also possible to display the status of the objects as text. As an example, as shown in Figure 21, if you specify the orange (2) object, it is possible to display the status of the object and the status of the investment property to the user, such as the text associated with the displayed object, "The fruit tree is growing well and is expected to bear a lot of fruit (rental income can be expected to continue)."

[0064] Thus, while it is possible for users to understand the income and risks of real estate investment by simply displaying the simulation results as graphs, as in conventional methods, as shown in this embodiment, by relating investment properties to fruit trees and rental income to fruits, the specialized concept of real estate investment is replaced with a more familiar image such as managing an orchard. This makes it easier to understand the changes in the graph in accordance with the growth of the fruit trees, and even beginners in real estate investment can visually or intuitively grasp investment analysis by observing the changes in the fruit trees, such as understanding increases and decreases in rental income, when rental income begins to decline, and when to consider measures to maintain the property.

[0065] Furthermore, depending on the user's real estate investment type, for example, in the case of a "tax-saving" type, the property holding period tends to be shorter, which may shorten the period over which depreciation can be claimed. To make it easier to visually grasp the tax-saving effect, the changing colors of fruit trees and fruits allow users to understand the decrease in tax-saving effect and the timing for rebalancing.

[0066] As described above, when a user starts investing in real estate, it is possible to simulate the user's future projections based on information such as the user's current income and expenses and family structure, thereby showing them indicators for real estate investment that are suitable for them, and enabling them to select investment properties based on these indicators. Furthermore, by displaying objects that show growth changes in the simulation results when a property is purchased, it becomes easier for beginners in real estate investment to visually understand the benefits and risks of real estate investment, and to easily grasp when to consider risk countermeasures. [Explanation of Symbols]

[0067] 1 Network 10 User terminals 20 Simulation Servers 24 Memory section 24a User Database 24b Property Database 24c Object Database 24d Graph Database 24e Text Database 25 Simulation Department 25a Calculation part 25b Image generation section

Claims

1. In a real estate investment simulation system that presents users with future investment predictions based on user-defined criteria for real estate investment, A user information storage unit that stores user information showing the user's income and expenses, A property information storage unit that stores property information for investment properties, A first simulation unit that performs a simulation to determine the user's investment type based on the user information, A simulation server having a second simulation unit that simulates future cash flow predictions based on the aforementioned investment type and property information of the investment property selected by the user, A real estate investment simulation system characterized by presenting the first simulation result from the first simulation unit and the second simulation result from the second simulation unit to the user as graph images.

2. The simulation server has an object image database that stores one or more object images associated with each investment type. The real estate investment simulation system according to claim 1, characterized in that the object image is an image that corresponds to the time-series changes in the graph image presented in the simulation results.

3. The real estate investment simulation system according to claim 1 or 2, characterized in that the first simulation unit performs an income and expenditure simulation based on the user information, determines the user's investment type calculated in the simulation, and presents the graph image and the object image.

4. The real estate investment simulation system according to claim 1 or 2, characterized in that the second simulation unit performs a simulation of the cash flow when the user purchases the investment property that is subject to the investment type, and displays the object image in accordance with the changes over time for the graph image shown in the second simulation result.

5. The real estate investment simulation system according to claim 1, characterized in that the simulation server extracts property information of the investment property that is the target of the user's investment type from the property information storage unit based on the simulation results of the first simulation and presents it to the user.

6. The simulation server has a text database that stores text corresponding to the object image, The real estate investment simulation system according to claim 1 or 2, characterized in that the text stored in the text database is a first text indicating the state of the object image and a second text associated with the first text indicating content related to real estate investment.

7. The real estate investment simulation system according to claim 6, characterized in that the first text and the second text are displayed when the object image displayed for the graph image is selected.

Images