Real Estate Registration Application Information Search Device, Real Estate Registration Application Information Search Method, and Program

Abstract

Provided are a real estate registration application information retrieval device, a real estate registration application information retrieval method, and a program, which have high extraction accuracy for properties that are potential targets for loan refinancing. 【Solution means】Properties that are potential targets for loan refinancing and meet the first to third conditions are extracted. The second condition is any one of the following conditions: a property for which there is registration application information containing information indicating a mortgage right establishment, and there is no registration application information containing information indicating cancellation that has a later reception date than the said registration application information; a property for which there is registration application information containing information indicating a mortgage right establishment, and there is no registration application information containing information indicating a first mortgage right establishment; or a property for which there is registration application information containing information indicating a mortgage right establishment, and there is no registration application information containing information indicating cancellation that has a later reception date than the said registration application information, nor is there any registration application information containing information indicating a first mortgage right establishment.

Description

Technical Field

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

Background Art

[0002] Patent Document 1 discloses a first condition that a property is a property in which registration application information in which information indicating the purpose of registration includes information indicating newness and information indicating the use of the real estate includes information indicating a house exists in the registration application information storage means, a second condition that a property is a property in which registration application information in which information indicating the purpose of registration includes information indicating mortgage right establishment exists in the registration application information storage means, and a third condition that information indicating the reception date of the registration application in the registration application information in which information indicating the purpose of registration includes information indicating mortgage right establishment is within the loan start period. A technique for extracting a property that satisfies these conditions as a property likely to be the target of loan refinancing is described.

Prior Art Documents

Patent Documents

[0003]

Patent Document 1

Summary of the Invention

Problems to be Solved by the Invention

[0004] However, in the technique described in Patent Document 1, a property with a low possibility of being a property likely to be the target of loan refinancing may be extracted as a property likely to be the target of loan refinancing.

[0005] The present invention has been made in view of the above circumstances, and one of its purposes is to provide a real estate registration application information retrieval device, a real estate registration application information retrieval method, and a program with high extraction accuracy of properties likely to be the target of loan refinancing.

Means for Solving the Problems

[0006] In order to solve the above problems, a real estate registration application information search device according to the present invention includes: registration application information storage means for storing registration application information associated with information indicating the date of receipt of a registration application, information for specifying the location of the real estate for which the registration application has been made, information indicating the purpose of registration, and information indicating the use of the real estate for which the registration application has been made; loan refinancing search input reception means for receiving a search instruction for real estate where there may be a refinancing of a real estate housing loan when a transition from a fixed interest rate period to a floating interest rate occurs; loan refinancing occurrence period reception means for obtaining a loan refinancing occurrence period during which there may be a refinancing of a real estate housing loan corresponding to the transition from the fixed interest rate period to the floating interest rate; loan start period calculation means for calculating a loan start period indicating the period when the real estate housing loan started based on a prestored interest rate fixation period or an interest rate fixation period obtained by being input, and the loan refinancing occurrence period; loan refinancing target property search means for extracting a loan refinancing target property that is a property meeting any of a first condition, a second condition, and a third condition based on the search instruction, wherein the first condition is that there exists in the registration application information storage means registration application information in which information indicating newness is included in the information indicating the purpose of registration and information indicating a house is included in the information indicating the use of the real estate; the second condition is that there exists in the registration application information storage means registration application information in which information indicating mortgage right establishment is included in the information indicating the purpose of registration, and there does not exist in the registration application information storage means registration application information in which information indicating cancellation is included in the information indicating the purpose of registration and the date of receipt of the registration application is later than that of the said registration application information, or there exists in the registration application information storage means registration application information in which information indicating mortgage right establishment is included in the information indicating the purpose of registration, and there does not exist in the registration application information storage means registration application information in which information indicating first mortgage right establishment is included in the information indicating the purpose of registration, or there exists in the registration application information storage means registration application information in which information indicating mortgage right establishment is included in the information indicating the purpose of registration, and there also does not exist in the registration application information storage means registration application information in which information indicating cancellation is included in the information indicating the purpose of registration and the date of receipt of the registration application is later than that of the said registration application information, and there also does not exist in the registration application information storage means registration application information in which information indicating first mortgage right establishment is included in the information indicating the purpose of registrationEither of the conditions that the property does not exist in the registration application information storage means, and the third condition is the condition that the information indicating the reception date of the registration application in the registration application information in which the information indicating the mortgage right setting is included in the information indicating the purpose of the registration is within the loan start period.

[0007] In addition, the real estate registration application information search method according to the present invention is such that the registration application information storage means stores registration application information associated with information indicating the reception date of the registration application, information for specifying the location of the real estate for which the registration application was made, information indicating the purpose of the registration, and information indicating the use of the real estate for which the registration application was made. The loan refinancing search input reception means receives a search instruction for real estate where there may be a refinancing of a real estate housing loan when a transition from a fixed interest rate period to a variable interest rate occurs. The loan refinancing occurrence period reception means acquires a loan refinancing occurrence period during which there may be a refinancing of a real estate housing loan corresponding to the transition from the fixed interest rate period to the variable interest rate. The loan start period calculation means calculates a loan start period indicating the period when the real estate housing loan started based on a pre-stored interest rate fixation period or an interest rate fixation period acquired by being input, and the loan refinancing occurrence period. The loan refinancing prospective property search means extracts a loan refinancing prospective property that is a property meeting any of a first condition, a second condition, and a third condition based on the search instruction. The first condition is that there exists in the registration application information storage means registration application information in which information indicating "new" is included in the information indicating the purpose of the registration and information indicating "house" is included in the information indicating the use of the real estate. The second condition is that there exists in the registration application information storage means registration application information in which information indicating "mortgage right setting" is included in the information indicating the purpose of the registration, and there does not exist in the registration application information storage means registration application information in which information indicating "cancellation" is included in the information indicating the purpose of the registration and the reception date of the registration application is later than that of the said registration application information; or there exists in the registration application information storage means registration application information in which information indicating "mortgage right setting" is included in the information indicating the purpose of the registration, and there does not exist in the registration application information storage means registration application information in which information indicating "first mortgage right setting" is included in the information indicating the purpose of the registration; or there exists in the registration application information storage means registration application information in which information indicating "mortgage right setting" is included in the information indicating the purpose of the registration, and there do not exist in the registration application information storage means registration application information in which information indicating "cancellation" is included in the information indicating the purpose of the registration and the reception date of the registration application is later than that of the said registration application information, nor registration application information in which information indicating "first mortgage right setting" is included in the information indicating the purpose of the registration.is any one of them, and the third condition is that the information indicating the reception date of the registration application in the registration application information including the information indicating the mortgage right setting in the information indicating the purpose of the registration is within the loan start period.

[0008] In addition, the program according to the present invention causes a computer of a real estate registration application information search device including registration application information storage means for storing registration application information associated with information indicating the reception date of a registration application, information for specifying the location of the real estate for which the registration application was made, information indicating the purpose of registration, and information indicating the use of the real estate for which the registration application was made, to function as loan refinancing search input reception means for receiving a search instruction for real estate for which there is a possibility of loan refinancing of a real estate housing loan when a transition from a fixed interest rate period to a variable interest rate occurs, loan refinancing occurrence period reception means for obtaining a loan refinancing occurrence period during which there is a possibility of loan refinancing of a real estate housing loan corresponding to the transition from the fixed interest rate period to the variable interest rate, loan start period calculation means for calculating a loan start period indicating the period during which a real estate housing loan started based on a prestored interest rate fixation period or an interest rate fixation period obtained by being input and the loan refinancing occurrence period, and loan refinancing target property search means for extracting a loan refinancing target property that is a property that meets any of a first condition, a second condition, and a third condition based on the search instruction, wherein the first condition is a condition that the registration application information in which information indicating newness is included in the information indicating the purpose of registration and information indicating a house is included in the information indicating the use of the real estate exists in the registration application information storage means, the second condition is a condition that the registration application information in which information indicating mortgage right establishment is included in the information indicating the purpose of registration exists in the registration application information storage means, and the registration application information in which information indicating cancellation is included in the information indicating the purpose of registration and having a reception date later than that of the said registration application information does not exist in the registration application information storage means, a condition that the registration application information in which information indicating mortgage right establishment is included in the information indicating the purpose of registration exists in the registration application information storage means and the registration application information in which information indicating ground mortgage right establishment is included in the information indicating the purpose of registration does not exist in the registration application information storage means, or a condition that the registration application information in which information indicating mortgage right establishment is included in the information indicating the purpose of registration exists in the registration application information storage means, and the registration application information in which information indicating cancellation is included in the information indicating the purpose of registration and having a reception date later than that of the said registration application information, and the registration application information in which information indicating ground mortgage right establishment is included in the information indicating the purpose of registration,Either of the conditions that the property is not present in the registration application information storage means, and the third condition is that the information indicating the acceptance date of the registration application in the registration application information in which the information indicating the mortgage right establishment is included in the information indicating the purpose of the registration is within the loan start period.

Brief Description of Drawings

[0009]

Figure 1

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Figure 8A

Figure 8B

Embodiments for Carrying Out the Invention

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

[0011] FIG. 1 is a block diagram showing the configuration of the real estate registration application information search device 1 according to the present embodiment. As shown in FIG. 1, the real estate registration application information search device 1 according to the present embodiment includes an input reception unit 11, a display processing unit 12, a search processing unit 13, a prediction processing unit 14, a control unit 15, a lot number parent number database 16, a residential map database 17, a public drawing database 18, and a registration application information database 19. In the present embodiment, the real estate registration application information search device 1 is connected to an external terminal device 2 via a communication network. The real estate registration application information search device 1 according to the present embodiment performs processes such as searching for registration application information based on a request from the terminal device 2, and transmits the result to the terminal device 2. In addition to the case of performing a search process based on a request from the terminal device 2, it may be in a form that directly receives a request and outputs a search result to a monitor connected to the own device.

[0012] Here, the input reception unit 11 is a processing unit that receives input of information from the terminal device 2 via a communication network. The display processing unit 12 is a processing unit that generates screen information displaying a search result or the like and sends it to the terminal device 2 or the like. The search processing unit 13 is a processing unit that searches for registration application information desired by a user using the terminal device 2, and a map or a public drawing for specifying the location of the real estate described in the registration application information. The prediction processing unit 14 is a processing unit that extracts registration application information related to real estate that can be predicted to have an improved business value in the future from the search results of the search processing unit 13. The control unit 15 is a control unit that controls each processing unit of the real estate registration application information search device 1. The lot number parent number database 16 stores the parent number of the lot number and the parent number image for superimposing and displaying the icon of the parent number on the map. The parent number is, for example, 100 if the notation is ○○-cho 100-1. The “1” below the hyphen is the branch number. The residential map database 17 stores address information corresponding to the parent number of the lot number and information on the residential map image. The public drawing database 18 stores information on the public drawing image corresponding to the parent number of the lot number. The registration application information database 19 stores registration application information corresponding to the contents described in the real estate registration acceptance ledger managed by, for example, the Legal Affairs Bureau.

[0013] Then, the real estate registration application information retrieval device 1 in this embodiment receives the selection of the parent number of the lot number, and performs processing to display and output a public map corresponding to the parent number of the lot number separately from the parent number display map, and performs processing to display and output registration application information corresponding to the parent number based on the selection of the parent number of the lot number. Further, the real estate registration application information retrieval device 1 performs processing to extract registration application information related to real estate that can be predicted to have an improved business value in the future from the retrieved registration application information.

[0014] FIG. 2 is a diagram showing an example of a search screen that the real estate registration application information retrieval device 1 transmits to the terminal device 2 based on an access from the terminal device 2. As shown in FIG. 2, on this search screen, there are an information input field for instructing address search, an information input field for specifying the registration purpose, an information input field for specifying the period, an information input field (logic button) for instructing the extraction of registration application information related to real estate that can be predicted to have an improved business value in the future, and the like. The user who uses the terminal device 2 makes specifications and selections of each piece of information and gives instructions such as starting the search on the search screen displayed on the monitor of the terminal device 2.

[0015] FIG. 3 is a diagram showing an example of the processing flow of the real estate registration application information retrieval device 1. Hereinafter, the details of the processing of the real estate registration application information retrieval device 1 will be described.

[0016] When a user wishes to view registration application information in a specific area, the user operates the terminal device 2 to access the real estate registration application information search device 1. Then, the display processing unit 12 of the real estate registration application information search device 1 transmits the data of the search screen (Figure 2) to the terminal device 2 (step S101), and thereby the search screen is displayed on the monitor of the terminal device 2. On this search screen, the user inputs the address to be searched, the purpose of registration, and the period (the period during which the registration application information was applied for), and presses the search button. Then, the terminal device 2 transmits a search request storing the information input on the search screen to the real estate registration application information search device 1, and the input reception unit 11 of the real estate registration application information search device 1 receives the search request (step S102). Then, the search processing unit 13 of the real estate registration application information search device 1 detects the information input by the terminal device 2 stored in the search request, and starts a search process based on the search conditions (step S103).

[0017] First, based on the address information of the search target stored in the received search request, the search processing unit 13 identifies the parent number of the lot number from the residential map database 17 (step S104). For example, when the address is Shinjuku-ku, Tokyo, the parent number of the lot number of a predetermined point recorded in association with the information of Shinjuku-ku, Tokyo is read from the residential map database 17. Then, a parent number image of a predetermined display range centered on the identified parent number of the lot number is read from the lot number parent number database 16 (step S105). Also, a map image of a predetermined display range centered on the predetermined point corresponding to the identified parent number of the lot number is read from the residential map database 17 (step S106), and a public drawing image recorded in the public drawing database 18 in association with the lot number and its parent number read from the lot number parent number database 16 is read (step S107). Further, the search processing unit 13 searches the registration application information database 19 for registration application information including the lot number and its parent number read from the lot number parent number database 16 (step S108). For example, when the address is Shinjuku-ku, Tokyo, a plurality of registration application information in which the number is recorded based on the lot number and its parent number corresponding to Shinjuku-ku, Tokyo are searched. Then, the search processing unit 13 outputs the data of each of the map image, public drawing image, and parent number image as the search result, and the data of the registration application information to the display processing unit 12. Based on the data of the map image, public drawing image, parent number image, and registration application information output from the search processing unit 13, the display processing unit 12 generates a search result screen for displaying the map image, public drawing image, parent number image, and registration application information of the search result on the terminal device 2, and transmits the data of the search result screen to the terminal device 2 via the communication network (step S109). Then, on the terminal device 2, the search result screen is displayed on the monitor.

[0018] FIG. 4 is a diagram showing an example of generating a search result screen. FIG. 5 is a diagram showing an example of a search result screen. As shown in FIG. 4, the display processing unit 12 performs a process of overlapping a map image and a parent number image within a predetermined display range centered on the position of the predetermined point of the parent number of the specified lot number based on the parent number of the specified lot number, and generates a parent number display map image in which the parent number is displayed on the map image. Then, data of a search result screen for separately displaying the parent number display map image, the public drawing image, and the registration application information is generated and transmitted to the terminal device 2. Note that the parent number displayed on the map image is embedded in the map image as an icon, for example, and a program for the terminal device 2 to transmit a registration application information extraction request storing the lot number and the parent number is stored in the data of the search result screen by the user selecting the display range of the icon of this parent number with a mouse or the like. Therefore, the user can narrow down and search for the registration application information in which the specified parent number is recorded by selecting a specific parent number from a plurality of parent numbers displayed on the search result screen with a mouse or the like. In the real estate registration application information search device 1, based on the registration application information extraction request, only the registration application information in which the parent number of the specified lot number is described is extracted, and a process of transmitting the extraction result to the terminal device 2 is performed.

[0019] Thereby, the user who has given an instruction to search can easily view the map corresponding to the specified address and the public drawing, and can also easily view the real estate registration application information specified by the parent number of the lot number in the public drawing. Therefore, based on the registration application information in the desired area, in the consideration of business due to the transfer of rights related to real estate, etc., it is possible to easily conduct a trend survey of real estate without much effort.

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

[0021] The user of the terminal device 2 can issue an extraction instruction for registration application information related to real estate that is predicted to have an improved business value in the future, from the registration application information displayed on the search result screen or the registration application information stored in the registration application information database 19. In the present embodiment, extraction is performed for registration application information related to real estate (detached houses, condominiums) where a person who will potentially refinance lives (hereinafter, properties likely to be refinanced), registration application information related to land where new construction is expected in the future (hereinafter, properties likely to be newly constructed), and registration application information related to land or buildings that are expected to be sold in the future (hereinafter, properties likely to be sold). By extracting the registration application information related to properties likely to be refinanced, a business operator such as a financial institution can grasp the possibility that the person who owns the real estate may refinance, and thereby can persuade the person to refinance with their own company. Also, by extracting the registration application information related to properties likely to be newly constructed, a construction company can persuade the person who owns the real estate to commission construction to their own company. Further, by extracting the registration application information related to properties likely to be sold, a real estate brokerage company can persuade the person who owns the real estate to use their company for real estate brokerage.

[0022] In this process, first, the terminal device 2 receives from the user a selection of any one of the extraction target properties, namely, "Properties potentially subject to loan refinancing", "Properties potentially subject to new construction", and "Properties potentially subject to sale", from among the information input fields (logic buttons) for instructing the extraction of registration application information displayed on the search screen (step S201). Then, if necessary, the terminal device 2 displays an input field for search conditions for searching for the selected extraction target property information (properties potentially subject to loan refinancing, properties potentially subject to new construction, properties potentially subject to sale). The input field for search conditions may be displayed on the search screen in advance. Also, there may be cases where the input field for search conditions is not particularly displayed. Then, an extraction request storing the selected extraction target property information (properties potentially subject to loan refinancing, properties potentially subject to new construction, properties potentially subject to sale) and, if necessary, the information input in the input field for search conditions is transmitted to the real estate registration application information search device 1 (step S202). When the real estate registration application information search device 1 receives the extraction request (step S203), the prediction processing unit 14 extracts the extraction target property information (properties potentially subject to loan refinancing or properties potentially subject to new construction or properties potentially subject to sale) and the search conditions from the extraction request, and based on these pieces of information, extracts the registration application information corresponding to the extraction target property information (step S204). Then, the display processing unit 12 generates an extraction result screen showing the extraction result (step S205) and transmits it to the terminal device 2 (step S206). As a result, by the terminal device 2 displaying the extraction result screen (step S207), the user can refer to the registration application information regarding the properties potentially subject to loan refinancing, properties potentially subject to new construction, and properties potentially subject to sale.

[0023] Next, the details of the process for extracting properties potentially eligible for loan refinancing will be described. First, when the terminal device 2 receives a selection of a property potentially eligible for loan refinancing, it displays on the monitor an input field for search conditions for receiving an input of the period during which loan refinancing is likely to occur. The period during which loan refinancing is likely to occur is a period for identifying real estate properties whose loan interest rate changes from the initial fixed interest rate after the loan start to a variable interest rate during that period. There are real estate housing loans where the fixed interest rate period ends after 3 years, 5 years, etc. after borrowing, and then the loan shifts to a variable interest rate. Therefore, by specifying the period during which loan refinancing is likely to occur as a search condition, it is possible to search for properties whose fixed interest rate period ends during that period, and thus it becomes possible to persuade the owners of those real estate properties to refinance the loan. Then, when the terminal device 2 receives an input of the period during which loan refinancing is likely to occur in the input field for search conditions, it sends an extraction request storing information indicating the property potentially eligible for loan refinancing and the period during which loan refinancing is likely to occur to the real estate registration application information search device 1.

[0024] Next, when the real estate registration application information search device 1 receives the extraction request, the prediction processing unit 14 detects information indicating the property potentially eligible for loan refinancing and the period during which loan refinancing is likely to occur from the extraction request. Then, the prediction processing unit 14 reads the interest rate fixed period (information such as 3 years or 5 years) stored in advance in a memory or the like. Note that this interest rate fixed period may be input by the user of the terminal device 2 in the input field for search conditions and accepted. Then, the prediction processing unit 14 calculates the loan start period indicating the period before the period indicated by the interest rate fixed period from the period during which loan refinancing is likely to occur. That is, when an input of each date from six months later to one year later from the current date is received as the period during which loan refinancing is likely to occur, if the interest rate fixed period is 3 years, the loan start period of each date from two and a half years ago to two years ago from the current date is calculated. Note that if a registration application has been made during this loan start period, it can be determined that there is a possibility that the property is a property potentially eligible for loan refinancing for which loan refinancing will occur during the period during which loan refinancing is likely to occur.

[0025] Then, the prediction processing unit 14 extracts, as the loan refinancing target search result, the registration application information of the property that meets any of the first condition for loan refinancing target search, the second condition for loan refinancing target search, and the third condition for loan refinancing target search from the registration application information database 19 or the registration application information output to the search result screen. Here, the first condition for loan refinancing target search is, for example, a condition that there is a property with registration application information in which information indicating "new" (registration purpose = title) is included in the information indicating the purpose of registration and information indicating "house" (use = building, divided building) is included in the information indicating the use of the real estate. The second condition for loan refinancing target search is, for example, a condition that there is registration application information in which information indicating "mortgage right setting" (registration purpose = mortgage right setting) is included in the information indicating the purpose of registration, and there is no registration application information in which information indicating "cancellation" (registration purpose = cancellation) is included in the information indicating the purpose of registration with a reception date of registration later than that of the said registration application information, nor is there registration application information in which information indicating "first mortgage right setting" (registration purpose = first mortgage right setting) is included in the information indicating the purpose of registration. The third condition for loan refinancing target search is a condition that the information indicating the reception date of the registration application in the registration application information in which information indicating "mortgage right setting" is included in the information indicating the purpose of registration is within the loan start period.

[0026] In addition, a property that further meets the condition that there is registration application information in which information indicating "ownership preservation" (registration purpose = ownership preservation) is included in the information indicating the purpose of registration may be extracted as the loan refinancing target search result.

[0027] FIG. 7 is a diagram showing a data example of the registration application information. As shown in FIG. 7, the registration application information is data in which an ID for specifying the application, a related file name related to the application, a claim date on which the claim of the registration application was made, a start date and an end date of the claim period, a legal affairs bureau name, a reception date of the registration application, a reception number, a prefecture name, a city, town, or village name, a large character / town name, a lot number and a house number, a sub-lot number after partitioning, an external drawing number, an address, a purpose of registration, a use, etc. are associated as information for specifying the target property for which the registration application was made, and for each registration application information, the information shown in FIG. 7 is recorded.

[0028] Here, an example of the above-described processing flow of the prediction processing unit 14 will be described with reference to FIGS. 8A and 8B. In the following description, it is assumed that the entire registration application information (hereinafter referred to as target registration application information) to be the execution target of the processing shown in steps S301 to S313 is determined in advance. According to the above-described processing of the prediction processing unit 14, first, registration application information in which the registration purpose is recorded as "title" is extracted from the entire target registration application information (step S301). This indicates that if the registration purpose is "title", it is a new registration application. When a new building such as a house or a condominium is purchased, the registration purpose is registered as "title". Further, the prediction processing unit 14 extracts registration application information in which the use is recorded as "building" or "divided building" from the extraction result in step S301 (step S302). This is because if the use is "building", it can be determined that it is registration application information for a single-family house, and if the use is "divided building", it can be determined that it is registration application information for a condominium. Then, the prediction processing unit 14 specifies the target property of the registration application indicated by the registration application information thus extracted (step S303). Hereinafter, the target property thus specified will be referred to as a first-time loan refinancing target property candidate. Since the registration application information includes information for specifying the target property of the registration application as described above, it is possible to specify the target property of the registration application indicated by the registration application information based on the registration application information.

[0029] Next, the prediction processing unit 14 extracts registration application information in which the registration purpose is recorded as "retention of ownership" from the entire target registration application information (step S304). This indicates that if the registration purpose is "retention of ownership", it means that the registration applicant is applying to retain the ownership of the real estate property, and this shows that the right to hold the real estate is transferred to the registration applicant. Then, the prediction processing unit 14 narrows down the target property of the registration application indicated by the registration application information thus extracted from among the first-time loan refinancing target property candidates (step S305). The target property thus narrowed down will be referred to as a second-time loan refinancing target property candidate.

[0030] Further, the prediction processing unit 14 extracts registration application information in which the registration purpose is recorded as "mortgage right establishment" from the entire target registration application information (step S306). This is because if the registration purpose is "mortgage right establishment", it can be identified as registration application information in which a financial institution has granted a loan and thus established a mortgage right on the property. Then, the prediction processing unit 14 narrows down the target property of the registration application indicated by the registration application information thus extracted from among the candidates for the second mortgage refinancing target property (step S307). The target property thus narrowed down will be referred to as the candidate for the third mortgage refinancing target property.

[0031] Then, the prediction processing unit 14 extracts registration application information that includes information identifying the candidate for the third mortgage refinancing target property from the entire target registration application information, and that is later in the reception date than the registration application information in which the registration purpose for the candidate for the third mortgage refinancing target property is recorded as "mortgage right establishment", and in which the registration purpose for the candidate for the third mortgage refinancing target property is recorded as "cancellation" (step S308). That is, it extracts the registration application information related to the cancellation registration for the candidate for the third mortgage refinancing target property that was made after the mortgage right establishment registration for the candidate for the third mortgage refinancing target property. If a cancellation registration has been made after the mortgage right establishment registration, it is highly likely that the property has already had the loan paid off or that there has already been a mortgage refinancing, and for such properties, the likelihood of further mortgage refinancing is low. Then, the prediction processing unit 14 excludes the target property of the registration application indicated by the registration application information thus extracted from the candidate for the third mortgage refinancing target property (step S309). The target property from which a part has been excluded from the candidate for the third mortgage refinancing target property in this way will be referred to as the candidate for the fourth mortgage refinancing target property.

[0032] Then, the prediction processing unit 14 extracts the registration application information in which the registration purpose is recorded as "mortgage right establishment" from the entire target registration application information (step S310). Here, for example, the prediction processing unit 14 may extract the registration application information in which the character "root" is included in the registration purpose. It is highly likely that the property for which the mortgage right is established is a property owned by a corporation (i.e., a property that is the target of business financing), and for such a property, there is a low possibility of loan refinancing. Then, the prediction processing unit 14 further excludes the target property of the registration application indicated by the registration application information thus extracted from the candidates for the fourth loan refinancing target property (step S311). The target property from which a part has been excluded from the candidates for the fourth loan refinancing target property in this way is referred to as the candidates for the fifth loan refinancing target property.

[0033] Then, the prediction processing unit 14 extracts the registration application information that was registered during the calculated loan start period, that is, the year, month, and day of that period are recorded in the reception date of the registration application information (step S312). This is because if the registration application was made during the calculated loan start period, it can be determined that the property is a property for which loan refinancing may occur during the loan refinancing occurrence target period (for example, six months to one year later) for which an input was received from the user. Then, the prediction processing unit 14 identifies the target property of the registration application indicated by the registration application information thus extracted from among the candidates for the fifth loan refinancing target property (step S313). Then, the target property thus identified is finally extracted as the property for which loan refinancing is expected (the property in the search result for the property for which loan refinancing is expected). And, for example, as described above, the registration application information regarding the property for which loan refinancing is expected thus extracted (for example, the registration application information including the information for identifying the property for which loan refinancing is expected) may be extracted, and an extraction result screen showing the extraction result may be displayed on the terminal device 2.

[0034] According to the process of extracting the properties likely to be refinanced in the above prediction processing unit 14, operators such as financial institutions can accurately grasp the possibility that the person holding the real estate may refinance the loan, and thus it becomes possible to persuade the person to refinance the loan by themselves.

[0035] In addition, the second condition for searching for properties likely to be refinanced may be that there is registration application information indicating the purpose of registration and including information indicating the establishment of a mortgage right (registration purpose = establishment of mortgage right), and there is no registration application information indicating the purpose of registration and including information indicating cancellation (registration purpose = cancellation) and having a reception date later than that of the said registration application information. In this case, the process of excluding the subject property of the registration application indicated by the registration application information with the registration purpose recorded as "establishment of a root mortgage right" (for example, the processes shown in steps S310 and S311 in FIG. 8B) may not be executed.

[0036] Also, the second condition for searching for properties likely to be refinanced may be that there is registration application information indicating the purpose of registration and including information indicating the establishment of a mortgage right (registration purpose = establishment of mortgage right), and there is no registration application information indicating the purpose of registration and including information indicating the establishment of a root mortgage right (registration purpose = establishment of root mortgage right). In this case, the process of excluding the subject property of the registration application indicated by the registration application information with the registration purpose recorded as "cancellation" (for example, the processes shown in steps S308 and S309 in FIG. 8B) may not be executed.

[0037] For the process of extracting the properties likely to be newly constructed and the process of extracting the properties likely to be sold, for example, the methods described in Japanese Patent Application Laid-Open No. 2015-179553 may be adopted, and thus the description is omitted.

[0038] As described above, embodiments of the present invention have been explained. According to the above-described processing, the user can view the map corresponding to the specified address and the public drawing without effort, and can also easily view the real estate registration application information specified by the parent number of the lot number in the public drawing. Therefore, based on the registration application information in the desired area, in the consideration of business due to the transfer of rights related to real estate, etc., it is possible to conduct a trend survey of real estate without effort. In addition, a user of a business operator who wants to search for a property that can be predicted to have an improved future business value using real estate registration application information can easily extract such real estate registration application information.

[0039] Note that the above-described real estate registration application information search device 1 has a computer system inside. And, the processes of each of the above-described processes are stored in a computer-readable recording medium in the form of a program, and the above-described processes are performed by the computer reading and executing this program. Here, the computer-readable recording medium refers to a magnetic disk, a magneto-optical disk, a CD-ROM, a DVD-ROM, a semiconductor memory, etc. Further, this computer program may be distributed to the computer via a communication line, and the computer that has received this distribution may execute the program.

[0040] Also, the "computer system" shall include a WWW system equipped with a homepage providing environment (or a display environment). Further, the above program may be for realizing a part of the functions described above. Furthermore, something that can be realized by combining the functions described above with a program already recorded in the computer system, so-called a difference file (difference program) may also be used.

Explanation of Signs

[0041] 1 Real estate registration application information search device, 2 terminal device, 11 input reception unit, 12 display processing unit, 13 search processing unit, 14 prediction processing unit, 15 control unit, 16 land number parent number database, 17 residential map database, 18 official map database, 19 registration application information database.

Claims

1. Information indicating the date of receipt of the registration application; Information to identify the location of the real property proposed for registration; Information indicating the purpose of the registration; A registration application information storage means for storing registration application information associated with information indicating the use of real estate for which registration has been applied; a loan refinancing search input receiving means for receiving a search instruction for real estate where a real estate mortgage may be refinanced when a transition from a fixed interest rate period to a variable interest rate occurs; a loan refinancing occurrence period receiving means for acquiring a loan refinancing occurrence period in which a refinancing of a real estate mortgage corresponding to a transition from the fixed interest rate period to the floating interest rate period may occur; a loan start period calculation means for calculating a loan start period indicating a period during which the real estate mortgage started based on a pre-stored interest rate fix period or an interest rate fix period acquired by inputting and the loan refinancing occurrence period; a loan refinancing prospective target property search means for extracting a loan refinancing prospective target property that meets all of the first condition, the second condition, and the third condition based on the search instruction, The first condition is that the registration application information in which the information indicating the purpose of the registration includes information indicating a new property and the information indicating the use of the real estate includes information indicating a house is a property that exists in the registration application information storage means; The second condition is: The condition is that the registration application information, the information indicating the purpose of the registration of which includes information indicating the establishment of a mortgage, is present in the registration application information storage means, and the registration application information, the information indicating the purpose of the registration of which includes information indicating the establishment of a root mortgage, is not present in the registration application information storage means; or The registration application information, the information indicating the purpose of the registration of which includes information indicating the establishment of a mortgage, exists in the registration application information storage means, and neither the registration application information, the information indicating the purpose of the registration of which includes information indicating cancellation and the information indicating the purpose of the registration of which includes information indicating the establishment of a mortgage, the property does not exist in the registration application information storage means; The third condition is that the information indicating the date of acceptance of the registration application in the registration application information, in which the information indicating the purpose of the registration includes information indicating the establishment of a mortgage, is within the loan start period. A real estate registration application information search device characterized by the above.

2. The registration application information storage means Information indicating the date of receipt of the registration application; Information to identify the location of the real property proposed for registration; Information indicating the purpose of the registration; Store information indicating the use of the real estate for which registration has been applied and registration application information associated with the information; The loan refinancing search input receiving means receives a search instruction for real estate for which refinancing of a real estate mortgage may occur when a transition from a fixed interest rate period to a variable interest rate occurs; a loan refinancing occurrence period receiving means for acquiring a loan refinancing occurrence period during which refinancing of a real estate mortgage corresponding to a transition from the fixed interest rate period to the floating interest rate period may occur; A loan start period calculation means calculates a loan start period indicating a period during which the real estate mortgage started based on a pre-stored interest rate fixed period or an interest rate fixed period acquired by inputting and the loan refinancing occurrence period; a loan refinancing prospective target property search means extracts loan refinancing prospective target properties that meet all of the first condition, the second condition, and the third condition based on the search instruction; The first condition is that the registration application information in which the information indicating the purpose of the registration includes information indicating a new property and the information indicating the use of the real estate includes information indicating a house is a property that exists in the registration application information storage means; The second condition is: The condition is that the registration application information, the information indicating the purpose of the registration of which includes information indicating the establishment of a mortgage, is present in the registration application information storage means, and the registration application information, the information indicating the purpose of the registration of which includes information indicating the establishment of a root mortgage, is not present in the registration application information storage means; or The registration application information, the information indicating the purpose of the registration of which includes information indicating the establishment of a mortgage, exists in the registration application information storage means, and neither the registration application information, the information indicating the purpose of the registration of which includes information indicating cancellation and the information indicating the purpose of the registration of which includes information indicating the establishment of a mortgage, the property does not exist in the registration application information storage means; The third condition is that the information indicating the date of acceptance of the registration application in the registration application information, in which the information indicating the purpose of the registration includes information indicating the establishment of a mortgage, is within the loan start period. A real estate registration application information search method comprising:

3. Information indicating the date of receipt of the registration application; Information to identify the location of the real property proposed for registration; Information indicating the purpose of the registration; A computer of a real estate registration application information search device including a registration application information storage means for storing information indicating the use of real estate for which registration has been applied and registration application information associated with the information, a loan refinancing search input receiving means for receiving a search instruction for real estate where a real estate mortgage may be refinanced when a transition from a fixed interest rate period to a variable interest rate occurs; a loan refinancing occurrence period receiving means for acquiring a loan refinancing occurrence period during which a refinancing of a real estate mortgage corresponding to a transition from the fixed interest rate period to the floating interest rate period may occur; a loan start period calculation means for calculating a loan start period indicating a period during which a real estate mortgage has commenced, based on a pre-stored interest rate fix period or an interest rate fix period acquired by inputting, and the loan refinancing occurrence period; a loan refinancing prospective target property search means for extracting loan refinancing prospective target properties that meet all of the first condition, the second condition, and the third condition based on the search instruction; Function as a The first condition is that the registration application information in which the information indicating the purpose of the registration includes information indicating a new property and the information indicating the use of the real estate includes information indicating a house is a property that exists in the registration application information storage means; The second condition is: The condition is that the registration application information, the information indicating the purpose of the registration of which includes information indicating the establishment of a mortgage, is present in the registration application information storage means, and the registration application information, the information indicating the purpose of the registration of which includes information indicating the establishment of a root mortgage, is not present in the registration application information storage means; or The registration application information, the information indicating the purpose of the registration of which includes information indicating the establishment of a mortgage, exists in the registration application information storage means, and neither the registration application information, the information indicating the purpose of the registration of which includes information indicating cancellation and the information indicating the purpose of the registration of which includes information indicating the establishment of a mortgage, the property does not exist in the registration application information storage means; The third condition is that the information indicating the date of acceptance of the registration application in the registration application information, in which the information indicating the purpose of the registration includes information indicating the establishment of a mortgage, is within the loan start period. A program characterized by:

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