Real Estate Collateral Evaluation Management Device, Real Estate Collateral Evaluation Management Method, and Real Estate Collateral Evaluation Management Program

Abstract

To provide a real estate security evaluation and management device allowing calculations to be conducted reflecting regulatory changes by holding a master setting value of regulatory change processing in a mechanism for value assessment processing, a real estate security evaluation and management method, and a real estate security evaluation and management program.SOLUTION: A real estate security evaluation and management device: acquires changed regulations, which are real estate evaluation regulations which have been changed at the latest regulation reference date of a reversal date; acquires property data to be reversed where a real estate collateral value of the property to be reversed and a regulation application date have been set; acquiring value assessment results being reversal results of the real estate collateral value of a target property at the reversal date applied with existing regulations, which are real estate evaluation regulations applied to the target property and regulatory change results being the reversal results of the real estate collateral value of the target property at the reversal date applied with the changed regulations; and acquires reversal data where the real estate collateral value of the target property has been updated on the basis of a comparison between the value assessment results and the regulation change results.SELECTED DRAWING: Figure 1

Description

Technical Field

[0001] The present invention relates to a real estate collateral evaluation management device, a real estate collateral evaluation management method, and a real estate collateral evaluation management program.

Background Art

[0002] Patent Document 1 discloses a configuration in which when updating the evaluation of real estate, the registration book data of the target real estate is automatically acquired, and the real estate collateral evaluation is automatically updated by executing automatic reclassification.

Prior Art Documents

Patent Documents

[0003]

Patent Document 1

Summary of the Invention

Problems to be Solved by the Invention

[0004] However, in the invention described in Patent Document 1, there is a problem that when performing the value reclassification (reclassification) of the real estate collateral value, the value reclassification process and the real estate evaluation regulation change process cannot be executed simultaneously.

[0005] The present invention has been made in view of the above problems, and an object of the present invention is to provide a real estate collateral evaluation management device, a real estate collateral evaluation management method, and a real estate collateral evaluation management program that enable calculation in the case of regulation change by holding the master setting value of the regulation change process in the mechanism of the value reclassification process.

Means for Solving the Problems

[0006] In order to solve the above-described problems and achieve the object, a real estate collateral evaluation management apparatus according to the present invention is a real estate collateral evaluation management apparatus including a storage unit and a control unit, wherein the storage unit includes: a regulation change storage means for storing a real estate evaluation regulation and a regulation change master set by associating a regulation reference date; and a property storage means for storing a real estate collateral value of a property and property data in which a regulation application date, which is the regulation reference date applied to the property, is set. The control unit includes: a regulation acquisition means for acquiring a changed regulation, which is the real estate evaluation regulation changed to the nearest regulation reference date of the switching date, based on the regulation change master; a target property acquisition means for acquiring target property data in which the real estate collateral value and the regulation application date of a target property to be switched are set based on the property data; a switching result acquisition means for acquiring a value switching result, which is a switching result of the real estate collateral value of the target property on the switching date, obtained by applying the current regulation, which is the real estate evaluation regulation applied to the target property, based on the regulation change master and the target property data to be switched, and a regulation change result, which is a switching result of the real estate collateral value of the target property on the switching date, obtained by applying the changed regulation; and an update means for acquiring switching data obtained by updating the real estate collateral value of the target property based on a comparison between the value switching result and the regulation change result.

[0007] Further, in the real estate collateral evaluation management apparatus according to the present invention, the update means is characterized in that when the value switching result is higher than the regulation change result, the switching data in which the regulation change result is set as the real estate collateral value of the target property is acquired.

[0008] Further, in the real estate collateral evaluation management apparatus according to the present invention, the update means is characterized in that when the value switching result is lower than the regulation change result, the switching data in which the value switching result is set as the real estate collateral value of the target property is acquired.

[0009] Also, in the real estate collateral evaluation management device according to the present invention, when the period from the specified application date to the switching date of the target property exceeds the mandatory application period based on the specified change master and the switching target property data, the switching result acquisition means further acquires the specified change result, which is the switching result of the real estate collateral value of the target property on the switching date to which the changed specification is applied, and the update means further acquires the switching data in which the specified change result is set as the real estate collateral value of the target property.

[0010] Also, in the real estate collateral evaluation management device according to the present invention, the specification acquisition means displays a switching process screen on which the switching date can be set, and when the switching date is set on the switching process screen, acquires the changed specification changed to the nearest specified reference date of the switching date based on the specified change master.

[0011] Also, in the real estate collateral evaluation management device according to the present invention, the extraction conditions of the target property can be further set on the switching process screen, and when the extraction conditions are set on the switching process screen, the target property acquisition means identifies the target property that matches the extraction conditions based on the property data, and acquires the switching target property data in which the real estate collateral value and the specified application date of the target property are set.

[0012] Also, in the real estate collateral evaluation management device according to the present invention, a trial calculation instruction can be further input on the switching process screen, and when the trial calculation instruction is input on the switching process screen, the switching result acquisition means further causes a simulation display of the value washing result and the specified change result.

[0013] Also, in the real estate collateral evaluation management device according to the present invention, a specified change master display instruction can be further input on the switching process screen, and when the specified change master display instruction is input on the switching process screen, the specification acquisition means further displays a specified change master screen on which the application conditions of the changed specification and the mandatory application period can be set.

[0014] In the real estate collateral evaluation management device according to the present invention, when all items are set as the application conditions of the change rule on the specified change master screen, the change result acquisition means further acquires, based on the specified change master and the data of the properties to be reclassified, the specified change result which is the reclassification result of the real estate collateral value of the target property on the reclassification date to which the change rule is applied, and the update means further acquires the reclassified data in which the specified change result is set as the real estate collateral value of the target property.

[0015] The real estate collateral evaluation management method according to the present invention is a real estate collateral evaluation management method for causing a real estate collateral evaluation management device including a storage unit and a control unit to execute. The storage unit includes a specified change storage means for storing a specified change master in which a real estate evaluation rule and a specified reference date are associated and set, and a property storage means for storing property data in which the real estate collateral value of a property and the specified application date which is the specified reference date applied to the property are set. The method includes a specified acquisition step of acquiring, based on the specified change master, a change rule which is the real estate evaluation rule changed to the nearest specified reference date of the reclassification date; a target property acquisition step of acquiring, based on the property data, reclassification target property data in which the real estate collateral value and the specified application date of the target property for reclassification are set; a reclassification result acquisition step of acquiring, based on the specified change master and the reclassification target property data, a value reclassification result which is the reclassification result of the real estate collateral value of the target property on the reclassification date to which the current rule which is the real estate evaluation rule applied to the target property is applied, and a specified change result which is the reclassification result of the real estate collateral value of the target property on the reclassification date to which the change rule is applied; and an update step of acquiring reclassified data in which the real estate collateral value of the target property is updated based on a comparison between the value reclassification result and the specified change result.

[0016] Furthermore, the real estate collateral evaluation management program according to the present invention is a real estate collateral evaluation management program for causing a real estate collateral evaluation management device provided with a storage unit and a control unit to execute. The storage unit includes a regulation change storage means for storing real estate evaluation regulations and a regulation change master set by associating a specified reference date, and a property storage means for storing property data in which the real estate collateral value of a property and a specified application date which is the specified reference date applied to the property are set. In the control unit, a regulation acquisition step of acquiring a changed regulation which is the real estate evaluation regulation changed to the nearest specified reference date of the switching date based on the regulation change master, a target property acquisition step of acquiring switching target property data in which the real estate collateral value and the specified application date of the property to be switched are set based on the property data, a switching result acquisition step of acquiring a value washing result which is a switching result of the real estate collateral value of the target property on the switching date applied with the current regulation which is the real estate evaluation regulation applied to the target property based on the regulation change master and the switching target property data, and a regulation change result which is a switching result of the real estate collateral value of the target property on the switching date applied with the changed regulation, and an update step of acquiring switching data obtained by updating the real estate collateral value of the target property based on a comparison between the value washing result and the regulation change result.

Effect of the Invention

[0017] According to the present invention, heretofore, each has performed value washing processing and regulation change processing individually, but there is an effect of enabling both processes simultaneously in one process. Thereby, according to the present invention, simulation in regulation change becomes possible, and there is an effect of enabling regulation setting based on the simulation result. Further, according to the present invention, by combining regulation change and value washing processing, there is an effect of enabling more sophisticated credit risk management by always performing value washing at an amount in accordance with the latest regulations. Further, according to the present invention, there is an effect of being able to avoid the risk due to regulation change.

Brief Description of the Drawings

[0018]

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BEST MODE FOR CARRYING OUT THE INVENTION

[0019] Embodiments of the present invention will be described in detail with reference to the drawings. Note that the present invention is not limited to these embodiments.

[0020] [1. Overview] First, the outline of the present invention will be described.

[0021] Conventionally, in the business field of real estate collateral evaluation and management, the price laundering (washing) of real estate collateral value is a process that is carried out every year. However, in addition to the routine price laundering every year, there are cases where the evaluation regulations are changed once a year. Since the price laundering process and the regulation change process were carried out separately, the simulation and price laundering in the case of regulation change could not be carried out within one function.

[0022] Therefore, in the present embodiment, as application conditions for regulation change, (1) application to all cases, (2) price laundering result > regulation change result, and (3) a threshold value of price laundering result < regulation change result are set. By holding the set value of the regulation change process in the mechanism of the price laundering process, a mechanism that enables calculation in the case of regulation change is provided. Further, in the present embodiment, when the settings of (2) and (3) are adopted, for objects to which the regulation change is not applied during a specific period, a mechanism that enables forced application is provided. Note that the regulation to be applied can be registered in advance, and the latest data at the reference date and time of the price laundering process may be acquired and applied (revision date management).

[0023] [2. Configuration] An example of the configuration of the real estate collateral evaluation management device 100 according to the present embodiment will be described with reference to FIGS. 1 to 6. FIG. 1 is a block diagram showing an example of the configuration of the real estate collateral evaluation management device 100 in the present embodiment.

[0024] As shown in FIG. 1, the real estate collateral evaluation management device 100 is a commercially available desktop personal computer. Note that the real estate collateral evaluation management device 100 is not limited to a stationary information processing device such as a desktop personal computer, and may be a portable information processing device such as a commercially available notebook personal computer, PDA (Personal Digital Assistants), smartphone, or tablet personal computer.

[0025] The real estate collateral evaluation management device 100 includes a control unit 102, a communication interface unit 104, a storage unit 106, and an input / output interface unit 108. Each unit included in the real estate collateral evaluation management device 100 is communicably connected via an arbitrary communication path.

[0026] The communication interface unit 104 communicably connects the real estate collateral evaluation management device 100 to the network 300 via a communication device such as a router and a wired or wireless communication line such as a dedicated line. The communication interface unit 104 has a function of communicating data with other devices via a communication line. Here, the network 300 has a function of communicably connecting the real estate collateral evaluation management device 100 and the server 200 to each other, and is, for example, the Internet or a LAN (Local Area Network).

[0027] Various databases, tables, files, etc. are stored in the storage unit 106. A computer program for giving instructions to the CPU (Central Processing Unit) in cooperation with the OS (Operating System) to perform various processes is recorded in the storage unit 106. As the storage unit 106, for example, a memory device such as a RAM (Random Access Memory) or a ROM (Read Only Memory), a fixed disk device such as a hard disk, a flexible disk, and an optical disk can be used. The storage unit 106 includes a regulation change master 106a and a property database 106b.

[0028] The regulation change master 106a is a master that associates and sets real estate evaluation regulations and a regulation reference date. Here, the regulation change master 106a may have a line number, a regulation reference date, and real estate evaluation regulation contents set. Further, the regulation change master 106a may include and associate a land detailed regulation master, a building detailed regulation master, and a condominium / apartment regulation master.

[0029] Here, with reference to FIGS. 2 to 6, an example of the regulation change master 106a in this embodiment will be described. FIG. 2 is a diagram showing an example of the regulation change master 106a in this embodiment. FIG. 3 is a diagram showing an example of the land detail regulation master in this embodiment. FIG. 4 is a diagram showing an example of the building detail regulation master in this embodiment. FIG. 5 is a diagram showing an example of the condominium / apartment regulation master in this embodiment. FIG. 6 is an ER diagram showing an example of the entity-related model in this embodiment.

[0030] As shown in FIG. 2, in this embodiment, the regulation change master 106a may be set with a line number (SEQ), a regulation reference date, regulation details, land correction conditions, a land correction rate, building correction conditions, a building correction rate, condominium (MA) correction conditions, an MA correction rate, and a mandatory application period, etc. Also, as shown in FIG. 3, in this embodiment, the land detail regulation master may be set with SEQ, prefecture, city, ward, town, village, and a correction rate, etc. Also, as shown in FIG. 4, in this embodiment, the building detail regulation master may be set with SEQ, structure, type, service life, and a redevelopment cost, etc. Also, as shown in FIG. 5, in this embodiment, the condominium / apartment regulation master may be set with SEQ, prefecture, city, ward, town, village, average rent, and a vacancy rate, etc. And, as shown in FIG. 6, in this embodiment, as the lower-level structure of the regulation change master 106a, the land detail regulation master, the building detail regulation master, and the condominium / apartment regulation master may be associated with the regulation change master 106a via SEQ.

[0031] Returning to FIG. 1, the property database 106b stores property data. Here, the property database 106b may store property data in which the real estate collateral value of the property and the specified application date, which is the specified reference date applied to the property, are set. Here, the property data may have a property identifier (for example, a property number, etc.), an evaluation reference date, a prefecture, a city, ward, town or village, a correction rate, a structure, a type, a useful life, a redevelopment cost, an average rent, a vacancy rate, a land unit price, a building unit price, and / or an MA unit price, etc. set. Further, the property database 106b may store data of properties to be reclassified, and / or reclassification data, etc. Here, the reclassification data may have a property identifier (for example, a property number, etc.), a reclassification reference date, a unit price before reclassification (land), a unit price after reclassification (land), a unit price before reclassification (building), a unit price after reclassification (building), a unit price before reclassification (MA), a unit price after reclassification (MA), and / or a specified application date, etc. set.

[0032] An input / output interface unit 108 has an input device 112 and an output device 114 connected thereto. For the output device 114, in addition to a monitor (including a touch panel), a speaker or a printer can be used. For the input device 112, in addition to a keyboard, a mouse, and a microphone, a monitor that collaborates with the mouse to realize a pointing device function can be used. Hereinafter, in some cases, the output device 114 may be described as the monitor 114 or the printer 114, and the input device 112 may be described as the keyboard 112 or the mouse 112.

[0033] The control unit 102 is a CPU or the like that comprehensively controls the real estate collateral evaluation management device 100. The control unit 102 has an internal memory for storing a control program such as an OS, a program defining various processing procedures, etc., and required data, etc., and executes various information processes based on these stored programs. Functionally conceptually, the control unit 102 includes a specified acquisition unit 102a, a target property acquisition unit 102b, a reclassification result acquisition unit 102c, and an update unit 102d.

[0034] The regulation acquisition unit 102a acquires a changed regulation, which is a real estate appraisal regulation changed to the nearest regulation reference date of the switching date, based on the regulation change master 106a. Here, the regulation acquisition unit 102a may display a switching process screen on which the switching date can be set, and when the switching date is set on the switching process screen, acquire the changed regulation changed to the nearest regulation reference date of the switching date based on the regulation change master 106a. Here, the extraction conditions of the target property may be settable on the switching process screen. Also, a trial calculation instruction may be inputtable on the switching process screen. Also, a regulation change master display instruction may be inputtable on the switching process screen. Also, when a regulation change master display instruction is input on the switching process screen, the regulation acquisition unit 102a may display a regulation change master screen on which the application conditions of the changed regulation and the mandatory application period can be set.

[0035] The target property acquisition unit 102b acquires washed target property data in which the real estate collateral value and the regulation application date of the target property for washing are set based on the property data. Here, when the extraction conditions are set on the switching process screen, the target property acquisition unit 102b may identify a target property that matches the extraction conditions based on the property data, and acquire washed target property data in which the real estate collateral value and the regulation application date of the target property are set. Also, the target property acquisition unit 102b may register the washed target property data in the property database 106b.

[0036] The replacement result acquisition unit 102c acquires the replacement result of the real estate collateral value of the target property on the replacement date. Here, the replacement result acquisition unit 102c may acquire a value scrubbing result, which is the replacement result of the real estate collateral value of the target property on the replacement date, obtained by applying the current regulations, which are the real estate appraisal regulations applicable to the target property, based on the specified change master 106a and the replacement target property data, and a regulation change result, which is the replacement result of the real estate collateral value of the target property on the replacement date, obtained by applying the changed regulations. Further, when the period from the regulation application date of the target property to the replacement date exceeds the mandatory application period based on the specified change master 106a and the replacement target property data, the replacement result acquisition unit 102c may acquire a regulation change result, which is the replacement result of the real estate collateral value of the target property on the replacement date, obtained by applying the changed regulations. Further, when a trial calculation instruction is input on the replacement processing screen, the replacement result acquisition unit 102c may simulate and display the value scrubbing result and the regulation change result. Further, when all items are set as the application conditions of the changed regulations on the specified change master screen, the replacement result acquisition unit 102c may acquire a regulation change result, which is the replacement result of the real estate collateral value of the target property on the replacement date, obtained by applying the changed regulations based on the specified change master 106a and the replacement target property data.

[0037] The update unit 102d acquires replacement data in which the real estate collateral value of the target property is updated based on a comparison between the value scrubbing result and the regulation change result. Further, when the value scrubbing result is higher than the regulation change result, the update unit 102d may acquire replacement data in which the regulation change result is set as the real estate collateral value of the target property. Further, when the value scrubbing result is lower than the regulation change result, the update unit 102d may acquire replacement data in which the value scrubbing result is set as the real estate collateral value of the target property. Further, the update unit 102d may acquire replacement data in which the regulation change result is set as the real estate collateral value of the target property. Further, the update unit 102d may register the replacement data in the property database 106b.

[0038] [3. Specific Example] A specific example of this embodiment will be described with reference to FIGS. 7 to 13.

[0039] [Real Estate Collateral Evaluation Management Process] Here, with reference to FIG. 7, an example of the real estate collateral evaluation management process in this embodiment will be described. FIG. 7 is a flowchart showing an example of the processing of the real estate collateral evaluation management apparatus 100 in this embodiment.

[0040] As shown in FIG. 7, the regulation acquisition unit 102a causes the output device 114 to display a switching process screen on which the switching date and the extraction conditions of the target property can be set. When the switching date is set on the switching process screen by the user via the input device 112, the switching date is specified (step SA-1).

[0041] Then, based on the regulation change master 106a, the regulation acquisition unit 102a acquires the changed regulation changed to the nearest regulation reference date of the switching date (step SA-2).

[0042] Then, the target property acquisition unit 102b identifies the switching target property stored in the property database 106b that matches the extraction conditions set on the switching process screen by the user via the input device 112, and acquires the switching target property data in which the real estate collateral value and the regulation application date of the target property are set (step SA-3).

[0043] Then, the switching result acquisition unit 102c determines whether all items are set as the application conditions of the changed regulation on the regulation change master screen by the user via the input device 112 (step SA-4).

[0044] When it is determined that all items are set as the application conditions of the changed regulation (step SA-4: Yes), the switching result acquisition unit 102c causes the process to proceed to step SA-5.

[0045] Then, the replacement result acquisition unit 102c acquires a regulation change result, which is a replacement result of the real estate collateral value of the target property on the replacement date to which the change regulation is applied, based on the regulation change master 106a and the replacement target property data (step SA-5).

[0046] Then, the update unit 102d acquires replacement data in which the regulation change result is set as the real estate collateral value of the target property (step SA-6), and ends the process.

[0047] On the other hand, when the replacement result acquisition unit 102c determines that not all items are set as application conditions of the change regulation (step SA-4: No), the process proceeds to step SA-7.

[0048] Then, the replacement result acquisition unit 102c determines whether the period from the regulation application date to the replacement date of the target property exceeds the mandatory application period based on the regulation change master 106a and the replacement target property data (step SA-7).

[0049] Then, when the replacement result acquisition unit 102c determines that the period from the regulation application date to the replacement date of the target property exceeds the mandatory application period (step SA-7: Yes), the process proceeds to step SA-5.

[0050] On the other hand, when the replacement result acquisition unit 102c determines that the period from the regulation application date to the replacement date of the target property does not exceed the mandatory application period (step SA-7: No), the process proceeds to step SA-8.

[0051] Then, the replacement result acquisition unit 102c acquires a value washing result, which is a replacement result of the real estate collateral value of the target property on the replacement date to which the current regulation, which is the real estate evaluation regulation applied to the target property, is applied, and a regulation change result, which is a replacement result of the real estate collateral value of the target property on the replacement date to which the change regulation is applied, based on the regulation change master 106a and the replacement target property data (step SA-8).

[0052] Then, the update unit 102d determines whether the value scrubbing result is higher than the specified change result (step SA-9).

[0053] If the update unit 102d determines that the value scrubbing result is higher than the specified change result (step SA-9: Yes), it causes the process to proceed to step SA-6.

[0054] On the other hand, if the update unit 102d determines that the value scrubbing result is not higher than the specified change result (step SA-9: No), it causes the process to proceed to step SA-10.

[0055] Then, the update unit 102d acquires the replacement data in which the value scrubbing result is set as the real estate collateral value of the target property (step SA-10), and ends the process.

[0056] Here, with reference to FIGS. 8 to 12, an example of the real estate collateral evaluation management process in the present embodiment will be described. FIG. 8 is a diagram showing an example of the replacement process screen in the present embodiment. FIG. 9 is a diagram showing an example of the specified change master screen in the present embodiment. FIG. 10 is a diagram showing an example of the land details screen in the present embodiment. FIG. 11 is a diagram showing an example of the building details screen in the present embodiment. FIG. 12 is a diagram showing an example of the condominium / apartment details screen in the present embodiment.

[0057] As shown in Fig. 8, in the wash replacement process screen of this embodiment, when the user sets (inputs) the wash replacement date (wash replacement reference date), which is the reference date for the value washing process, the specified data of the specified content of the date closest to the past from the said date is automatically acquired. Also, as shown in Fig. 8, in the wash replacement process screen of this embodiment, the user designates the range for extracting the value washing targets in Customer General (1) to (4) (for example, address code and / or customer rank of key customers, etc.). Also, as shown in Fig. 8, in the wash replacement process screen of this embodiment, when the user presses the "Trial Calculation" button, the actual data is not updated, a simulation is executed, and it is output so that it can be confirmed as list data or CSV data. When the user presses the "Execute" button, the actual data is updated and output so that it can be confirmed as list data or CSV data. Also, as shown in Fig. 8, in the wash replacement process screen of this embodiment, when the user presses the "Specified Change" button, the screen transitions to the specified change master screen shown in Fig. 9.

[0058] Then, as shown in Fig. 9, in the specified change master screen of this embodiment, when the user presses the "Display" button, based on the wash replacement date (2020 / 6 / 22) set (input) in the wash replacement process screen shown in Fig. 8, the content (Reiwa 2nd year specified change) of the closest specified reference date (2020 / 4 / 1) where wash replacement date ≥ specified reference date is displayed. Note that, as shown in Fig. 9, in the specified change master screen of this embodiment, it is possible to set for each property type (land, building, or condominium / apartment). When the user presses the "Details" button, as shown in Figs. 10 to 12, detailed settings for each property type are possible. Also, as shown in Fig. 9, in the specified change master screen of this embodiment, the elapsed period from the previous specified application date held in each real estate collateral data is judged by the set value set in the "Forced Application Period", and when the period is exceeded, it will be compulsorily applied next time.

[0059] Here, as shown in FIG. 10, on the land details screen in this embodiment, it is possible to set a correction rate for each region set in the building details regulations master, which is applied in combination with the setting of the land correction rate on the regulations change master screen, and the application conditions on the regulations change master screen are also applied to this screen.

[0060] Also, as shown in FIG. 11, on the building details screen in this embodiment, it is possible to set the service life for each building structure and type set in the land details regulations master, and the redevelopment cost, which is the unit cost of redevelopment when re-purchasing the same structure and type, and it is applied in combination with the setting of the building correction rate on the regulations change master screen, and the application conditions on the regulations change master screen are also applied to this screen.

[0061] Also, as shown in FIG. 12, on the condominium / apartment details screen in this embodiment, it is possible to set the average rent (per square meter unit price) and vacancy rate for each region set in the condominium / apartment regulations master, and it is applied in combination with the setting of the condominium / apartment correction rate on the regulations change master screen, and the application conditions on the regulations change master screen are also applied to this screen.

[0062] Also, with reference to FIG. 13, an example of the real estate collateral evaluation management process in this embodiment will be described. FIG. 13 is a diagram showing an example of the real estate collateral evaluation management process in this embodiment.

[0063] As shown in FIG. 13(1), in this embodiment, data is held in units of properties (land and building integrated, unit of evaluation). Based on the prefecture code and city / town / village code of the property data of property numbers 1-100-0, 1-101-0, and 1-102-0, the correction rate is obtained from the land detailed regulations master. Based on the structure code and type code of the property data of property numbers 1-100-0 and 1-101-0, the useful life and replacement cost are obtained from the building detailed regulations master. Based on the prefecture code and city / town / village code of the property data of property number 1-102-0, the average rent and vacancy rate are obtained from the condominium / apartment regulations master. Using the data (underlined in the figure) obtained from each master, the land unit price, building unit price, and MA unit price are calculated and held.

[0064] And, as shown in FIG. 13(2), in this embodiment, based on the property data shown in FIG. 13(1), for the property data of property numbers 1-100-0, 1-101-0, and 1-102-0 extracted as the properties to be reclassified on April 1, 2020, reclassification data (value scrubbing result) is obtained. Further, as shown in FIG. 13(3), based on the unit price after reclassification shown in FIG. 13(2), for the property data of property numbers 1-100-0, 1-101-0, and 1-102-0 extracted as the properties to be reclassified on April 1, 2020, data after regulation change (regulation change result) is obtained.

[0065] And, as shown in the "regulation application date" of FIG. 13, in this embodiment, based on the comparison between the value scrubbing result and the regulation change result, for the property data of property numbers 1-100-0 and 1-101-0, the most recent regulation change made on April 1, 2020 is applied, and the regulation change result is updated as the real estate collateral value. For the property data of property number 1-102-0, the current regulation changed on April 1, 2019 is applied, and the value scrubbing result is updated as the real estate collateral value.

[0066] [4. Other Embodiments] In addition to the above-described embodiments, the present invention may be implemented in various different embodiments within the scope of the technical idea described in the claims.

[0067] For example, among the processes described in the embodiments, all or part of the processes described as being automatically performed can be manually performed, or all or part of the processes described as being manually performed can be automatically performed by a known method.

[0068] Also, regarding the processing procedures, control procedures, specific names, information including parameters such as registered data and search conditions for each process, screen examples, and database configurations shown in this specification and the drawings, they can be arbitrarily changed unless otherwise specified.

[0069] Also, regarding the real estate collateral evaluation management device 100, each of the illustrated components is a functional concept and does not necessarily have to be physically configured as shown in the drawings.

[0070] For example, regarding the processing functions provided by the real estate collateral evaluation management device 100, particularly each processing function performed by the control unit 102, all or any part of them may be realized by a CPU and a program interpreted and executed by the CPU, or may be realized as hardware by wired logic. Note that the program is recorded on a non-transitory computer-readable recording medium including programmed instructions for causing an information processing device to execute the processes described in this embodiment, and is mechanically read by the real estate collateral evaluation management device 100 as necessary. That is, in a storage unit such as a ROM or an HDD (Hard Disk Drive), a computer program for giving instructions to the CPU in cooperation with the OS and performing various processes is recorded. This computer program is executed by being loaded into the RAM and constitutes the control unit in cooperation with the CPU.

[0071] Further, this computer program may be stored in an application program server connected to the real estate collateral evaluation management device 100 via an arbitrary network, and it is also possible to download all or part of it as necessary.

[0072] Also, the program for executing the processing described in this embodiment may be stored in a non-transitory computer-readable recording medium, and it can also be configured as a program product. Here, this "recording medium" includes any "portable physical medium" such as a memory card, a USB (Universal Serial Bus) memory, an SD (Secure Digital) card, a flexible disk, a magneto-optical disk, a ROM, an EPROM (Erasable Programmable Read Only Memory), an EEPROM (registered trademark) (Electrically Erasable and Programmable Read Only Memory), a CD-ROM (Compact Disk Read Only Memory), an MO (Magneto-Optical disk), a DVD (Digital Versatile Disk), and a Blu-ray (registered trademark) Disc.

[0073] Also, the "program" is a data processing method described in an arbitrary language or description method, and it does not matter whether it is in the form of source code or binary code, etc. Note that the "program" is not necessarily limited to being configured singularly, and also includes those that are distributed as a plurality of modules or libraries, or those that achieve their functions in cooperation with another program represented by an OS. Note that for the specific configuration, reading procedure, and installation procedure after reading for reading the recording medium in each device shown in this embodiment, well-known configurations and procedures can be used.

[0074] The various databases and the like stored in the storage unit 106 are storage means such as a memory device such as a RAM or a ROM, a fixed disk device such as a hard disk, a flexible disk, and an optical disk, and store various programs, tables, databases, and web page files used for various processes and website provision.

[0075] Further, the real estate collateral evaluation management device 100 may be configured as an information processing device such as a known personal computer or a workstation, or may be configured as the information processing device to which an arbitrary peripheral device is connected. Further, the real estate collateral evaluation management device 100 may be realized by installing software (including a program or data, etc.) that realizes the processing described in the present embodiment in the device.

[0076] Furthermore, the specific form of the distribution and integration of the devices is not limited to that shown in the drawings, and all or part of them can be functionally or physically distributed and integrated in an arbitrary unit according to various additions or according to the functional load. That is, the above-described embodiments may be arbitrarily combined and implemented, or the embodiments may be selectively implemented.

Industrial Applicability

[0077] The present invention is useful in industries such as the financial industry and the real estate industry that perform real estate evaluations according to regulations.

Explanation of Signs

[0078] 100 Real estate collateral evaluation management device 102 Control unit 102a Regulation acquisition unit 102b Target property acquisition unit 102c Wash replacement result acquisition unit 102d Update unit 104 Communication interface unit 106 Storage unit 106a Regulation change master 106b Property database 108 Input / Output Interface Unit 112 Input Device 114 Output Device 200 Server 300 Network

Claims

1. A real estate collateral evaluation management device having a memory unit and a control unit, The storage unit is A regulation change storage means for storing a regulation change master set by linking the real estate appraisal regulation and the regulation reference date; a property storage means for storing property data in which a real estate collateral value of a property and a prescribed application date, which is the prescribed base date applied to the property, are set; Equipped with The control unit is a regulation acquisition means for displaying a re-cleaning processing screen on which a re-cleaning date and a regulation change master display instruction can be set, and when the re-cleaning date is set on the re-cleaning processing screen, acquiring change regulations which are the real estate valuation regulations changed to the regulation reference date closest to the re-cleaning date based on the regulation change master, and when the regulation change master display instruction is set on the re-cleaning processing screen, displaying a regulation change master screen on which the application conditions and compulsory application period of the change regulations can be set; a target property acquisition means for acquiring reclassification target property data in which the real estate collateral value and the provision application date of the reclassification target property are set based on the property data; a reassessment result acquisition means for acquiring a value reassessment result, which is a reassessment result of the real estate collateral value of the target property on the reassessment date by applying the current regulations, which are the real estate valuation regulations applied to the target property, based on the regulation change master and the reassessment target property data, and a regulation change result, which is a reassessment result of the real estate collateral value of the target property on the reassessment date by applying the change regulations; A real estate collateral evaluation management device comprising:

2. The washing result acquisition means includes: The real estate collateral evaluation management device of claim 1, further characterized in that, based on the regulation change master and the reconciliation target property data, when the period from the regulation application date to the reconciliation date of the target property exceeds the mandatory application period, the regulation change result is obtained, which is the reconciliation result of the real estate collateral value of the target property on the reconciliation date with the change regulation applied.

3. The washing process screen is Furthermore, the extraction conditions for the target property can be set, The target object acquisition means includes: The real estate collateral evaluation management device of claim 1, characterized in that when the extraction conditions are set on the reconciliation processing screen, the target property that matches the extraction conditions is identified based on the property data, and the reconciliation target property data in which the real estate collateral value and the regulation application date of the target property are set is obtained.

4. The washing process screen is Furthermore, estimate instructions can be entered, The washing result acquisition means includes:

2. The real estate collateral evaluation management device according to claim 1, further comprising a display of a simulation of the value-washing result and the regulation change result when the trial calculation instruction is input on the re-examination processing screen.

5. The washing result acquisition means includes: Furthermore, when all items are set as the application conditions for the change regulations on the regulation change master screen, the real estate collateral evaluation management device of claim 1 obtains the regulation change result, which is the reconciliation result of the real estate collateral value of the target property on the reconciliation date with the change regulations applied, based on the regulation change master and the data on the property to be reconciled.

6. A real estate collateral evaluation management method to be executed by a real estate collateral evaluation management device having a memory unit and a control unit, The storage unit is A regulation change storage means for storing a regulation change master set by linking the real estate appraisal regulation and the regulation reference date; a property storage means for storing property data in which a real estate collateral value of a property and a prescribed application date, which is the prescribed base date applied to the property, are set; Equipped with Executed by the control unit, a regulation acquisition step of displaying a re-cleaning processing screen on which a re-cleaning date and a regulation change master display instruction can be set, and when the re-cleaning date is set on the re-cleaning processing screen, acquiring change regulations which are the real estate evaluation regulations changed to the regulation reference date closest to the re-cleaning date based on the regulation change master, and when the regulation change master display instruction is set on the re-cleaning processing screen, displaying a regulation change master screen on which the application conditions and the compulsory application period of the change regulations can be set; a target property acquisition step for acquiring reclassification target property data in which the real estate collateral value and the provision application date of the reclassification target property are set based on the property data; a reassessment result acquisition step of acquiring a value reassessment result, which is the reassessment result of the real estate collateral value of the target property on the reassessment date by applying the current regulations, which are the real estate valuation regulations applied to the target property, based on the regulation change master and the reassessment target property data, and a regulation change result, which is the reassessment result of the real estate collateral value of the target property on the reassessment date by applying the change regulations; A real estate collateral evaluation management method comprising:

7. A real estate collateral evaluation management program to be executed by a real estate collateral evaluation management device having a memory unit and a control unit, The storage unit is A regulation change storage means for storing a regulation change master set by linking the real estate appraisal regulation and the regulation reference date; a property storage means for storing property data in which a real estate collateral value of a property and a prescribed application date, which is the prescribed base date applied to the property, are set; Equipped with In the control unit, a regulation acquisition step of displaying a re-cleaning processing screen on which a re-cleaning date and a regulation change master display instruction can be set, and when the re-cleaning date is set on the re-cleaning processing screen, acquiring change regulations which are the real estate evaluation regulations changed to the regulation reference date closest to the re-cleaning date based on the regulation change master, and when the regulation change master display instruction is set on the re-cleaning processing screen, displaying a regulation change master screen on which the application conditions and the compulsory application period of the change regulations can be set; a target property acquisition step for acquiring reclassification target property data in which the real estate collateral value and the provision application date of the reclassification target property are set based on the property data; a reassessment result acquisition step of acquiring a value reassessment result, which is the reassessment result of the real estate collateral value of the target property on the reassessment date by applying the current regulations, which are the real estate valuation regulations applied to the target property, based on the regulation change master and the reassessment target property data, and a regulation change result, which is the reassessment result of the real estate collateral value of the target property on the reassessment date by applying the change regulations; A real estate collateral valuation management program to implement the above.

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