Housing loan deduction management device, housing loan deduction management method, and housing loan deduction management program

Abstract

To provide a housing loan deduction management apparatus, a housing loan deduction management method, and a housing loan deduction management program capable of preventing a declaration error by checking a deduction period when declaring a housing loan special deduction.SOLUTION: The housing loan deduction management method performs the steps of: obtaining a deduction declaration data set by associating a residence start date, a type of a housing loan special deduction, and a specific acquisition category; determining whether or not an application for the housing loan special deduction corresponds to a deduction application period based on a housing deduction table master and the deduction declaration data; and performing warning processing when it is determined that the application for housing loan special deduction does not correspond to the deduction application period.SELECTED DRAWING: Figure 6

Description

[Technical Field]

[0001] The present invention relates to a housing loan deduction management device, a housing loan deduction management method, and a housing loan deduction management program. [Background technology]

[0002] Patent Document 1 discloses a configuration that, during year-end adjustment, identifies information that differs between the latest data on deduction filers for special deductions such as housing loans and the information contained in deduction declaration data from the previous year or earlier, and displays the latest data on the creation screen for the current year's deduction declaration data in a manner that makes the identified different information easy for the operator to identify, thereby facilitating the creation of deduction declaration data and the checking of deduction declaration data. [Prior art documents] [Patent documents]

[0003] [Patent Document 1] Japanese Patent Application Publication No. 2019-53509 Summary of the Invention [Problem to be solved by the invention]

[0004] However, the invention described in Patent Document 1 above had the problem that it was not possible to prevent erroneous reporting in cases where a taxpayer did not meet the application period for the special deduction for housing loans, etc. and filed a tax return even though he or she was not entitled to the deduction.

[0005] The present invention has been made in consideration of the above-mentioned problems, and aims to provide a housing loan deduction management device, a housing loan deduction management method, and a housing loan deduction management program that can prevent reporting errors by checking the deduction period when reporting special deductions for housing loans, etc. [Means for solving the problem]

[0006] In order to solve the above-mentioned problems and achieve the objectives, the housing loan deduction management device of the present invention is a housing loan deduction management device equipped with a memory unit and a control unit, wherein the memory unit has a housing deduction table master that is set by linking the type of special deduction for housing loans, etc., specific acquisition category, date of residence in the home, and number of deduction years, and the control unit has a deduction declaration acquisition means that acquires deduction declaration data that is set by linking the date of start of residence in the home, the type of special deduction for housing loans, etc., and the specific acquisition category, a deduction determination means that determines whether an application for special deduction for housing loans, etc. conforms to the deduction application period based on the housing deduction table master and the deduction declaration data, and a warning execution means that executes a warning process if the deduction determination means determines that the application for special deduction for housing loans, etc. does not conform to the deduction application period.

[0007] In addition, in the housing loan deduction management device of the present invention, the deduction determination means is characterized in that it determines whether the application for special deduction for housing loan, etc. conforms to the deduction application period by comparing the deduction number of years with the number of years elapsed since the start date of residence in the house, based on the housing deduction table master and the deduction declaration data.

[0008] In addition, in the housing loan deduction management device of the present invention, the residence date period includes a start date of the residence date period and an end date of the residence date period, and the deduction determination means identifies a record in the housing deduction table master in which the type of special deduction for housing loans, etc. and the specific acquisition category set in the deduction declaration data are linked, and determines whether the application for special deduction for housing loans, etc. conforms to the deduction application period by comparing the number of deduction years set in the record in which the start date of the residence date period and the end date of the residence date period are linked, which constitute a period including the start date of residence in the home, with the number of years elapsed since the start date of residence in the home.

[0009] In addition, in the housing loan deduction management device of the present invention, the deduction determination means, based on the housing deduction table master and the deduction declaration data, obtains the number of years elapsed as the number of years obtained by subtracting the year of residence start date, including the date of start of residence in the home, from the year of declaration of the special deduction for housing loan, etc., plus 1, and determines whether the application for the special deduction for housing loan, etc. conforms to the deduction application period by comparing the number of deduction years with the number of years elapsed from the date of start of residence in the home.

[0010] In addition, in the housing loan deduction management device of the present invention, the warning execution means is characterized in that when the deduction determination means determines that the application for special deduction for housing loan, etc. does not conform to the deduction application period, it executes the warning processing by displaying an error message.

[0011] In addition, in the housing loan deduction management device of the present invention, the warning execution means executes the warning processing by displaying an error message indicating that the deduction period has expired when the deduction determination means determines that the number of years that have passed exceeds the number of deduction years and that the application for special deduction for housing loans, etc. does not comply with the deduction application period.

[0012] In addition, in the housing loan deduction management device of the present invention, the warning execution means is further characterized in that, if the number of years that have passed since the date of start of residence in the house is 0, it executes the warning processing by displaying an error message indicating that year-end adjustment is not possible.

[0013] In addition, in the housing loan deduction management device of the present invention, the deduction declaration acquisition means acquires the deduction declaration data when the start date of residence in the house, the type of special deduction for housing loans, etc., and the specific acquisition category are set on the declaration screen, and the warning execution means executes the warning processing by displaying the error message on the declaration screen when the deduction determination means determines that the application for special deduction for housing loans, etc. does not conform to the deduction application period.

[0014] In addition, the housing loan deduction management method of the present invention is a housing loan deduction management method to be executed by a housing loan deduction management device having a memory unit and a control unit, wherein the memory unit has a housing deduction table master that is set by linking the type of special deduction for housing loans, etc., the specific acquisition category, the period of residence in the home, and the number of years for deduction, and is characterized by including: a deduction declaration acquisition step executed by the control unit that acquires deduction declaration data that is set by linking the start date of residence in the home, the type of special deduction for housing loans, etc., and the specific acquisition category; a deduction judgment step that determines whether an application for special deduction for housing loans, etc. conforms to the deduction application period based on the housing deduction table master and the deduction declaration data; and a warning execution step that executes a warning process if it is determined in the deduction judgment step that the application for special deduction for housing loans, etc. does not conform to the deduction application period.

[0015] In addition, the housing loan deduction management program of the present invention is a housing loan deduction management program to be executed by a housing loan deduction management device having a memory unit and a control unit, wherein the memory unit has a housing deduction table master that is set by linking the type of special deduction for housing loans, etc., the specific acquisition category, the period of residence in the home, and the number of years for deduction, and the control unit executes a deduction declaration acquisition step that acquires deduction declaration data that is set by linking the start date of residence in the home, the type of special deduction for housing loans, etc., and the specific acquisition category, a deduction judgment step that determines whether an application for special deduction for housing loans, etc. conforms to the deduction application period based on the housing deduction table master and the deduction declaration data, and a warning execution step that executes a warning process if the deduction judgment step determines that the application for special deduction for housing loans, etc. does not conform to the deduction application period. [Effects of the Invention]

[0016] According to the present invention, by checking the deduction period (applicable period) when filing a special deduction for housing loans (mortgage deduction), it is possible to prevent filing errors and reduce the cost of refiling. Furthermore, according to the present invention, by reducing filing errors by filers, it is possible to reduce the cost of checking by administrators. Furthermore, according to the present invention, by managing the deduction period in master data, it is possible to flexibly respond to future system changes. Furthermore, while year-end tax adjustments require complex content checks and approvals in a short period of time, the present invention is effective in making employees aware of combined checks such as the home purchase date and the type of deduction at the filing stage. Furthermore, according to the present invention, because the system checks whether the period is within the deduction period based on the values entered by the operator and the housing deduction table master, it is possible to flexibly respond to changes in the system that may result in increases or decreases in the type of deduction or specific acquisition category. Furthermore, according to the present invention, the applicable period of a home loan varies depending on the type of home loan deduction and the date of commencement of residence of the filer, but by managing various patterns of deduction periods in a master and checking the input data by referencing the master data, a filer whose applicable period of the home loan deduction has expired can be warned before filing an erroneous return, thereby reducing the number of incorrect returns filed by filers and reducing the burden of checking work on administrators. Furthermore, the applicable period of the special deduction for home loans, etc. varies depending on the type of home acquired and the date of commencement of residence, but according to the present invention, the applicable period of the deduction is managed in a master and the deduction period is checked at the time of filing, thereby preventing filing errors. [Brief explanation of the drawings]

[0017] [Figure 1] FIG. 1 is a diagram showing an example of the period for special deductions for housing loans, etc. [Figure 2] FIG. 2 is a diagram showing an example of a conventional housing loan deduction management process. [Figure 3] FIG. 3 is a diagram showing an example of a conventional housing loan deduction management process. [Figure 4]FIG. 4 is a diagram showing an example of a conventional housing loan deduction management process. [Figure 5] FIG. 5 is a diagram showing an example of a conventional housing loan deduction management process. [Figure 6] FIG. 6 is a block diagram showing an example of the configuration of a housing loan deduction management device according to this embodiment. [Figure 7] FIG. 7 is a diagram showing an example of the deduction type master in this embodiment. [Figure 8] FIG. 8 is a diagram showing an example of the acquisition category master in this embodiment. [Figure 9] FIG. 9 is a flowchart showing an example of the processing of the housing loan deduction management device in this embodiment. [Figure 10] FIG. 10 is a diagram showing an example of the housing loan deduction management process in this embodiment. [Figure 11] FIG. 11 is a diagram showing an example of the housing loan deduction management process in this embodiment. [Figure 12] FIG. 12 is a diagram showing an example of the housing loan deduction management process in this embodiment. [Figure 13] FIG. 13 is a diagram showing an example of the housing loan deduction management process in this embodiment. [Figure 14] FIG. 14 is a diagram showing an example of a declaration screen in this embodiment. [Figure 15] FIG. 15 is a diagram showing an example of the housing loan deduction management process in this embodiment. [Figure 16] FIG. 16 is a diagram showing an example of the housing loan deduction management process in this embodiment. DETAILED DESCRIPTION OF THE INVENTION

[0018] DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS An embodiment of the present invention will be described in detail with reference to the accompanying drawings. However, the present invention is not limited to this embodiment.

[0019] [1. Overview] First, an overview of the present invention will be described with reference to Fig. 1 to Fig. 5. Fig. 1 is a diagram showing an example of a period for special deductions for housing loans, etc. Fig. 2 to Fig. 5 are diagrams showing an example of conventional housing loan deduction management processing.

[0020] During year-end tax adjustments, the period for which special deductions for housing loans, etc. can be claimed depends on when you began living in the home after purchasing it and the type of deduction. As shown in Figure 1, if you purchase a regular home, the period for which you can claim special deductions for housing loans, etc. will vary depending on the year you began living in the home.

[0021] As shown in Figure 2, in order to apply for the special deduction for housing loans, etc. during year-end adjustment, it has traditionally been necessary to submit a deduction certificate received from the tax office in the second year after the deduction began, and data from a balance certificate received from the bank each year (note that the deduction is applied when filing a tax return in the first year after the deduction begins).

[0022] As shown in Figure 3, in the past, when the deduction period ended, the tax office would only issue deduction certificates for the years for which the special deduction for housing loans, etc. was available from the second year onwards after the deduction began, and therefore if the taxpayer did not have a deduction certificate on hand, the administrator would determine that the taxpayer was ineligible for the special deduction for housing loans, etc.

[0023] Furthermore, as shown in Figure 4, in the past, when multiple housing loan deductions were applied, even if the deduction period for one housing loan deduction (for example, a new house) had expired, there was a risk that the taxpayer would file a tax return because they still had the deduction certificate for the other housing loan (for example, an extension or renovation). In other words, in the past, when an employee had multiple housing loans, there were cases where they would file a tax return for the special deduction for housing loans, etc., even though the applicable period for the special deduction for housing loans, etc. had expired.

[0024] Furthermore, as shown in Figure 5, in the past, there were cases where filers with little understanding of the system filed tax returns without receiving the deduction certificate from the tax office (cases where the tax return was filed in the first year that the housing deduction was applied, but instead filed it during the year-end adjustment), cases where filers mistakenly filed an incorrect tax return because they received a loan balance certificate from the bank every year and mistakenly thought they could receive the deduction in the year it was received (cases where filers filed even though the application period for the deduction had expired and they could no longer receive the deduction), and cases where filers filed without entering the data on the balance certificate, which placed a burden on administrators in communicating with filers and checking them.

[0025] For this reason, the calculation method for the housing loan deduction has traditionally been complicated, even among year-end tax adjustments, and there have been many mistakes made by filers, resulting in a heavy burden on administrators for checking. Furthermore, in the past, there have been cases where filers have filed even though the application period for the special deduction for housing loans, etc. has expired and they are not eligible for the deduction, resulting in incorrect filing. Furthermore, in the past, administrators have had to pay costs for checking to prevent incorrect filing.

[0026] Therefore, in this embodiment, with a focus on preventing filers from filing erroneous declarations of the special deduction for housing loans, etc. and reducing the burden of checking work on administrators, a system is provided that can flexibly respond to future system revisions by managing the applicable years in a master. That is, in this embodiment, by storing data on the number of deduction years, which varies depending on the type of deduction and the date of start of residence in a master in advance, a system is provided in which the contents of the declaration of the special deduction for housing loans, etc. are checked before the filer files an erroneous declaration outside the applicable period, and the system references the deduction years in the master from the registered data on the screen and issues a check error if the applicable period of the deduction has passed (a system in which the check logic can be changed by providing master data even if the housing deduction system changes in future system revisions).

[0027] [2. Configuration] An example of the configuration of the housing loan deduction management device 100 according to this embodiment will be described with reference to Fig. 6. Fig. 6 is a block diagram showing an example of the configuration of the housing loan deduction management device 100 according to this embodiment.

[0028] 6, the housing loan deduction management device 100 is a commercially available desktop personal computer. Note that the housing loan deduction management device 100 is not limited to a stationary information processing device such as a desktop personal computer, but may also be a portable information processing device such as a commercially available notebook personal computer, PDA (Personal Digital Assistant), smartphone, or tablet personal computer.

[0029] The housing loan deduction management device 100 comprises a control unit 102, a communication interface unit 104, a memory unit 106, and an input / output interface unit 108. The units comprised in the housing loan deduction management device 100 are communicably connected via any communication path.

[0030] The communication interface unit 104 communicably connects the housing loan deduction 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 the communication line. Here, the network 300 has a function of connecting the housing loan deduction management device 100 and the server 200 so that they can communicate with each other, and is, for example, the Internet or a LAN (Local Area Network).

[0031] An input device 112 and an output device 114 are connected to the input / output interface unit 108. The output device 114 may be a monitor (including a touch panel), a speaker, or a printer. The input device 112 may be a keyboard, a mouse, a microphone, or a monitor that cooperates with a mouse to achieve a pointing device function. In the following, the output device 114 may be referred to as the monitor 114 or the printer 114, and the input device 112 may be referred to as the keyboard 112 or the mouse 112.

[0032] The storage unit 106 stores various databases, tables, files, etc. The storage unit 106 stores computer programs that work in conjunction with the OS (Operating System) to issue commands to the CPU (Central Processing Unit) to perform various processes. The storage unit 106 may be, for example, a memory device such as RAM (Random Access Memory) or ROM (Read Only Memory), a fixed disk device such as a hard disk, a flexible disk, or an optical disk. The storage unit 106 includes a deduction type master 106a, an acquisition category master 106b, a housing deduction table master 106c, and a tax database 106d.

[0033] The deduction type master 106a is a master that sets the type of special deduction for housing loans, etc.

[0034] An example of the deduction type master 106a in this embodiment will now be described with reference to Fig. 7. Fig. 7 is a diagram showing an example of the deduction type master 106a in this embodiment.

[0035] As shown in Fig. 7, the deduction type master 106a in this embodiment stores category values, and category value data is distributed at the time of system revision. In this embodiment, the type of special deduction for housing loans, etc., and the period for the special deduction for housing loans, etc., change depending on the type of loan taken out when taking out a mortgage. Here, as shown in Fig. 7, "1: Ordinary Home" is a loan taken out when acquiring an ordinary home, "2: Certified Home" is a loan taken out when acquiring a certified home (a home that meets certain requirements), "3: Specified Renovation and Addition" is a loan taken out when making specific renovations and additions (such as barrier-free access), and "4: Earthquake, etc." is a loan taken out when re-acquiring a home damaged by the Great East Japan Earthquake.

[0036] Returning to FIG. 6, the acquisition category master 106b is a master in which the specific acquisition category for housing loans is set.

[0037] An example of the acquisition category master 106b in this embodiment will now be described with reference to Fig. 8. Fig. 8 is a diagram showing an example of the acquisition category master 106b in this embodiment.

[0038] As shown in FIG. 8, the acquisition classification master 106b in this embodiment stores classification values, and classification value data is distributed when the system is revised. In this embodiment, the specific acquisition classification changes depending on when and at what consumption tax rate the home was acquired when taking out a mortgage, which in turn changes the period for the special deduction for home loans, etc. As shown in FIG. 8, "1: Specific Acquisition" is the classification for homes acquired at a consumption tax rate of 8% or 10% (this applies to homes acquired at a consumption tax rate of 10% but with late occupancy), "2: Special Specific Acquisition" is the classification for homes acquired at a consumption tax rate of 10% (occupancy by the end of Reiwa 3), and "3: Special Special Exceptional Acquisition" is the classification for homes with a floor area of 40 to 50 square meters acquired during a specified period at a consumption tax rate of 10%.

[0039] Returning to FIG. 6, the housing deduction table master 106c is a master that links together the type of special deduction for housing loans, etc., the specific acquisition category, the period of residence in the home, and the number of years for the deduction. Here, the period of residence in the home may include the start date of the period of residence and the end date of the period of residence. Note that the housing deduction table master 106c is not intended to be changed by the user, and the data in the housing deduction table may be updated by applying the year-end tax adjustment update program distributed every year.

[0040] The tax database 106d stores tax data, which may include tax deduction declaration data, mortgage certificate data, and / or mortgage details data.

[0041] The control unit 102 is a CPU or the like that comprehensively controls the housing loan deduction management device 100. The control unit 102 has an internal memory for storing control programs such as an OS, programs that define various processing procedures, required data, etc., and executes various information processing based on these stored programs. Functionally, the control unit 102 conceptually includes a deduction declaration acquisition unit 102a, a deduction judgment unit 102b, a warning execution unit 102c, and a registration unit 102d.

[0042] The deduction declaration acquisition unit 102a acquires deduction declaration data for special deductions such as home loans. Here, the deduction declaration acquisition unit 102a may acquire deduction declaration data set by linking the date of residence start, the type of special deduction for home loans, and the specific acquisition category. Furthermore, the deduction declaration acquisition unit 102a may acquire deduction declaration data when the date of residence start, the type of special deduction for home loans, and the specific acquisition category are set on the declaration screen.

[0043] The deduction determination unit 102b determines whether the application for the special deduction for housing loans, etc., conforms to the deduction application period. Here, the deduction determination unit 102b may determine whether the application for the special deduction for housing loans, etc. conforms to the deduction application period based on the housing deduction table master 106c and the deduction declaration data. Furthermore, the deduction determination unit 102b may determine whether the application for the special deduction for housing loans, etc. conforms to the deduction application period by comparing the number of deduction years with the number of years elapsed since the date of first residing in the home based on the housing deduction table master 106c and the deduction declaration data. Furthermore, the deduction determination unit 102b may identify a record in the housing deduction table master 106c in which the type of special deduction for housing loans, etc., and the specific acquisition category set in the deduction declaration data are linked, and determine whether the application for the special deduction for housing loans, etc. conforms to the deduction application period by comparing the number of deduction years set in the record in which the start date and end date of the residence period, which constitute the period including the date of first residing in the home, are linked with the number of years elapsed since the date of first residing in the home. In addition, the deduction determination unit 102b may obtain the number of years elapsed by adding 1 to the number of years obtained by subtracting the year of declaration for the special deduction for housing loans, etc. from the year of start of residence, including the date of start of residence in the home, based on the housing deduction table master 106c and the deduction declaration data, and may determine whether the application for the special deduction for housing loans, etc. conforms to the deduction application period by comparing the number of deduction years with the number of years elapsed since the date of start of residence in the home.

[0044] The warning execution unit 102c executes a warning process for the application for the special deduction for housing loans, etc. Here, the warning execution unit 102c may execute the warning process when the deduction determination unit 102b determines that the application for the special deduction for housing loans, etc. does not conform to the deduction application period. Furthermore, the warning execution unit 102c may execute the warning process by displaying an error message when the deduction determination unit 102b determines that the application for the special deduction for housing loans, etc. does not conform to the deduction application period. Furthermore, the warning execution unit 102c may execute the warning process by displaying an error message indicating that the deduction period has expired when the deduction determination unit 102b determines that the application for the special deduction for housing loans, etc. does not conform to the deduction application period because the number of years elapsed exceeds the number of deduction years. Furthermore, the warning execution unit 102c may execute the warning process by displaying an error message indicating that year-end tax adjustment is not possible when the number of years elapsed since the date of residence start date is zero. In addition, if the deduction determination unit 102b determines that the application for special deduction for housing loans, etc. does not conform to the deduction application period, the warning execution unit 102c may execute a warning process by displaying an error message on the declaration screen.

[0045] The registration unit 102d registers the deduction declaration data of the special deduction for housing loans, etc. Here, the registration unit 102d may register the deduction declaration data of the special deduction for housing loans, etc. in the tax database 106d.

[0046] [3. Specific Examples] A specific example of this embodiment will be described with reference to FIGS.

[0047] [Housing loan deduction management processing] An example of the housing loan deduction management process in this embodiment will now be described with reference to Fig. 9. Fig. 9 is a flowchart showing an example of the process of the housing loan deduction management apparatus 100 in this embodiment.

[0048] As shown in Figure 9, the deduction declaration acquisition unit 102a displays the declaration screen on the output device 114, and when the user sets the date of start of residence in the home, the type of special deduction for home loans, etc., and the specific acquisition category on the declaration screen via the input device 112, acquires deduction declaration data that is linked to the date of start of residence, the type of special deduction for home loans, etc., and the specific acquisition category (step SA-1).

[0049] Then, the deduction determination unit 102b identifies the record in the housing deduction table master 106c that is set in association with the type of special deduction for housing loans, etc. and the specific acquisition category set in the deduction declaration data, and determines whether the application for special deduction for housing loans, etc. conforms to the deduction application period by comparing the number of deduction years set in the record that is set in association with the start date and end date of the residence period that constitute the period including the start date of residence in the home with the number of years that have elapsed since the start date of residence in the home (step SA-2).

[0050] If the deduction determination unit 102b determines that the application for the special deduction for housing loans, etc. falls within the deduction application period (step SA-2: Yes), the process proceeds to step SA-3.

[0051] Then, the registration unit 102d registers the deduction declaration data for the special deduction for housing loans, etc. in the tax database 106d (step SA-3), and the process ends.

[0052] On the other hand, if the deduction determination unit 102b determines that the application for the special deduction for housing loans, etc. does not fall within the deduction application period (step SA-2: No), the process proceeds to step SA-4.

[0053] Then, the warning execution unit 102c executes the warning process by displaying an error message on the declaration screen displayed on the output device 114 (step SA-4), and ends the process.

[0054] In this way, in this embodiment, data on the deduction period, which varies depending on the type of deduction and the date on which residence began, is managed in a master, and when a taxpayer files a housing deduction declaration, the master is referenced to check whether the declaration is within the deduction period, and if it is outside the period, an error is generated.

[0055] Here, an example of the housing loan deduction management process in this embodiment will be described with reference to Fig. 10 to Fig. 14. Fig. 10 to Fig. 13 are diagrams showing an example of the housing loan deduction management process in this embodiment. Fig. 14 is a diagram showing an example of a declaration screen in this embodiment.

[0056] As shown in Figure 10, in this embodiment, when a filer files a return on the return screen in the first year of filing a return for the special deduction for housing loans, etc., if multiple housing loan deductions are applied, deduction return data for the number of applied deductions (item A and item B) is entered, and the housing loan balance certificate table and housing loan details table are updated. Here, in this embodiment, the number of times set in the housing loan balance certificate table indicates the number of items for the housing loan deduction, and the ID set in the housing loan balance certificate table is an identifier that consecutively manages the balance certificates linked to the itemized housing loan deductions.

[0057] As shown in FIG. 11, in this embodiment, when a filer files a return on the return screen from the second year of filing a return for the special deduction for housing loans, etc., the contents of the previous year's deduction return data (web return) are copied, the amount of the balance certificate (entered every year) is displayed blank, and the contents of the first year's housing loan details are copied and displayed. As shown in FIG. 11, in the housing loan balance certificate table in this embodiment, the data for the previous year is copied when the return screen for the second year of web filing or later is launched, and the year-end loan balance is registered as blank data because it changes every year. Also, as shown in FIG. 11, in the housing loan details table in this embodiment, the data for the previous year does not change from the previous year, so it is copied and registered as is.

[0058] 12, in this embodiment, when a filer files a tax return on the tax return screen in 2030 (within the tax return period) for the special tax return for housing loans, etc., 10 years are specified as the tax return deduction period based on the housing tax return master 106c (i.e., the tax return screen. residence start date ≦ tax return screen. residence start date ≦ housing tax return master 106c. residence end date, and the tax return screen. deduction type = housing tax return master 106c. deduction type, and the tax return screen. specific acquisition category = housing tax return master 106c. specific acquisition category are specified). As shown in FIG. 12, in this embodiment, the number of years of residence is calculated from the residence start date and tax return year (i.e., "years of residence" = "year of residence - residence start year + 1" = 2030 - 2021 + 1 = 10 years), and the 2030 tax return is not determined to be an error by comparing the number of years of residence with the tax return deduction period.

[0059] 13, in this embodiment, if a filer files a tax return on the tax return screen in 2031 (a year after the tax return period) for the special tax return for housing loans, etc., the number of tax return years is specified as 10 years based on the housing tax return table master 106c (i.e., the number of tax return years that satisfies the following conditions: Housing Tax Return Table Master 106c. Residence Date Start ≦ Tax Return Screen. Residence Start Date ≦ Housing Tax Return Table Master 106c. Residence Date End, and Tax Return Screen. Deduction Type = Housing Tax Return Table Master 106c. Deduction Type, and Tax Return Screen. Specific Acquisition Category = Housing Tax Return Table Master 106c. Specific Acquisition Category). As shown in FIG. 13, in this embodiment, the number of years of residence is calculated from the residence start date and tax return year (i.e., "Number of years of residence" = "Declaration Year - Residence Start Year + 1" = 2031 - 2021 + 1 = 11 years), and the 2031 tax return is determined to be an error by comparing the number of years of residence with the number of tax return years. Then, as shown in FIG. 14, in this embodiment, an error message is displayed on the declaration screen to the effect that the deduction period has passed.

[0060] An example of the housing loan deduction management process for a plurality of housing loans in this embodiment will be described with reference to Fig. 15 and Fig. 16. Fig. 15 and Fig. 16 are diagrams showing an example of the housing loan deduction management process in this embodiment.

[0061] In this embodiment, as shown in Fig. 15, when a housing loan deduction is applied for multiple details, the number of deduction years set in the housing deduction table master 106c is obtained for each detail for the filing year of the special deduction for housing loans, etc. = 2024, as shown in Fig. 16, and a check is performed when entering data on the filing screen. That is, as shown in Fig. 16, in this embodiment, for Detail A, the number of deduction years: 10 years is specified from the housing deduction table master 106c (i.e., the number of deduction years that satisfies the following conditions is specified: Housing deduction table master 106c.Start of residence date period≦filing screen.Start of residence date≦housing deduction table master 106c.End of residence date period, and filing screen.Deduction type=housing deduction table master 106c.Deduction type, and filing screen.Specific acquisition category=housing deduction table master 106c.Specific acquisition category). 16, in this embodiment, for Detail A, the number of years of residence is calculated from the residence start date and the filing year (i.e., "years of residence" = "filing year - residence start year + 1" = 2024 - 2014 + 1 = 11 years), and the 2024 filing is determined to be an error by comparing the number of years of residence with the number of deduction years. Also, as shown in FIG. 16, in this embodiment, for Detail B, the number of deduction years is specified as 13 years from the housing deduction table master 106c (i.e., the housing deduction table master 106c. residence date period start ≦ filing screen. residence start date ≦ housing deduction table master 106c. residence date period end, and the filing screen. deduction type = housing deduction table master 106c. deduction type, and the filing screen. specific acquisition category = housing deduction table master 106c. specific acquisition category are specified). As shown in Figure 16, in this embodiment, for Detail B, the number of years of residence is calculated from the start date of residence and the year of filing (i.e., ``number of years of residence'' = ``year of filing - year of start of residence + 1'' = 2024 - 2021 + 1 = 4 years), and the 2024 filing is not determined to be an error by comparing the number of years of residence with the number of years of deduction.

[0062] In this embodiment, when new details are added, the housing deduction table master 106c is referenced, just as in the case of a year in which the deduction period has passed, and if master data cannot be obtained from the input content, a similar check may be performed.

[0063] [4. Contribution to the United Nations-led Sustainable Development Goals (SDGs)] This embodiment can contribute to improving business efficiency and promoting appropriate management decisions by companies, thereby contributing to the achievement of SDGs Goals 8 and 9.

[0064] Furthermore, this embodiment can contribute to reducing waste and promoting paperless and electronic systems, thereby contributing to the achievement of SDGs Goals 12, 13, and 15.

[0065] Furthermore, this embodiment can contribute to strengthening control and governance, which can contribute to Goal 16 of the SDGs.

[0066] 5. Other Embodiments The present invention may be implemented in various different embodiments other than those described above within the scope of the technical concept set forth in the claims.

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

[0068] Furthermore, 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 drawings can be changed as desired unless otherwise specified.

[0069] Furthermore, with regard to the housing loan deduction management device 100, the components shown in the figures are functional concepts, and do not necessarily have to be physically configured as shown in the figures.

[0070] For example, all or any part of the processing functions of the home loan deduction management device 100, particularly the processing functions performed by the control unit 102, may be implemented by a CPU and a program interpreted and executed by the CPU, or may be implemented as hardware using wired logic. The program is recorded on a non-transitory computer-readable recording medium containing programmed instructions for causing an information processing device to execute the processes described in this embodiment, and is mechanically read by the home loan deduction management device 100 as needed. That is, a computer program for providing instructions to the CPU in cooperation with the OS and performing various processes is recorded in a storage unit such as a ROM or HDD (Hard Disk Drive). This computer program is executed by being loaded into RAM and cooperates with the CPU to form the control unit.

[0071] In addition, this computer program may be stored in an application program server connected to the housing loan deduction management device 100 via any network, and all or part of it may be downloaded as needed.

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

[0073] Furthermore, a "program" is a data processing method written in any language or description method, and does not matter whether it is in the form of source code or binary code. Note that a "program" is not necessarily limited to a single structure, but also includes a structure that is distributed as multiple modules or libraries, or a structure that achieves its function by cooperating with a separate program, such as an OS. Note that the specific configuration and reading procedure for reading a recording medium in each device shown in this embodiment, as well as the installation procedure after reading, can use well-known configurations and procedures.

[0074] The various databases stored in the memory unit 106 are storage means such as memory devices such as RAM and ROM, fixed disk devices such as hard disks, flexible disks, and optical disks, and store various programs, tables, databases, and web page files used for various processes and providing websites.

[0075] The housing loan deduction management device 100 may be configured as an information processing device such as a known personal computer or workstation, or may be configured as the information processing device connected to any peripheral device. The housing loan deduction management device 100 may be realized by installing software (including programs or data) that causes the device to perform the processes described in this embodiment.

[0076] Furthermore, the specific form of distribution and integration of the devices is not limited to that shown in the drawings, and all or part of them can be configured by functionally or physically distributing and integrating them in any unit depending on various additions or functional loads. In other words, the above-described embodiments can be implemented in any combination, or embodiments can be implemented selectively. [Industrial Applicability]

[0077] The present invention is useful in any industry that has companies with a large number of employees who qualify for the mortgage deduction. [Explanation of symbols]

[0078] 100 Housing loan deduction management device 102 Control section 102a Deduction Declaration Acquisition Department 102b Deduction Judgment Section 102c Warning Execution Unit 102d Registration Department 104 Communication interface unit 106 Storage section 106a Deduction type master 106b Acquisition Category Master 106c Housing Deduction Table Master 106d Tax Database 108 Input / Output Interface Section 112 Input Device 114 Output Device 200 servers 300 Network

Claims

1. A housing loan deduction management device including a storage unit and a control unit, The storage unit The master of the housing deduction table that links the type of special deduction for housing loans, etc., the specific acquisition category, the period of residence in the house, and the number of years of deduction. Equipped with The control unit a deduction declaration acquisition means for acquiring deduction declaration data that is set by linking the date of residence start, the type of special deduction for housing loans, etc., and the specific acquisition category; A deduction determination means for determining whether or not a special deduction application for housing loans, etc., conforms to the deduction application period based on the housing deduction table master and the deduction declaration data; a warning execution means for executing a warning process when the deduction determination means determines that the application for the special deduction for housing loans, etc. does not conform to the deduction application period; A housing loan deduction management device comprising:

2. The deduction determination means The housing loan deduction management device of claim 1, characterized in that it determines whether the application for special deduction for housing loans, etc. conforms to the deduction application period by comparing the deduction number with the number of years elapsed since the start date of residence in the home based on the housing deduction table master and the deduction declaration data.

3. The period of residence is: Including the start date of the residence period and the end date of the residence period, The deduction determination means The housing loan deduction management device of claim 2, characterized in that it identifies a record in the housing deduction table master in which the type of special deduction for housing loans, etc. and the specific acquisition category set in the deduction declaration data are linked, and determines whether the application for special deduction for housing loans, etc. conforms to the deduction application period by comparing the number of deduction years set in the record in which the start date and end date of the residence period, which constitute a period including the start date of residence in the home, are linked with the number of years elapsed since the start date of residence in the home.

4. The deduction determination means The housing loan deduction management device of claim 2, characterized in that, based on the housing deduction table master and the deduction declaration data, the number of years elapsed is obtained by subtracting the year of residence start date, including the date of start of residence in the home, from the year of declaration of the special deduction for housing loans, etc., plus 1, and by comparing the number of deduction years with the number of years elapsed from the date of start of residence in the home, it is determined whether the application for the special deduction for housing loans, etc. conforms to the deduction application period.

5. The warning execution means A housing loan deduction management device as described in any one of claims 1 to 4, characterized in that if the deduction determination means determines that the application for special deduction for housing loans, etc. does not conform to the deduction application period, the warning processing is executed by displaying an error message.

6. The warning execution means The housing loan deduction management device of claim 2, characterized in that when the deduction determination means determines that the number of years that have passed exceeds the number of deduction years and that the application for special deduction for housing loans, etc. does not comply with the deduction application period, the warning processing is executed by displaying an error message indicating that the deduction period has expired.

7. The warning execution means Furthermore, the housing loan deduction management device of claim 1 executes the warning process by displaying an error message indicating that year-end adjustment is not possible if the number of years that have elapsed since the start date of residence in the home is 0.

8. The deduction declaration acquisition means When the date of commencement of residence in the house, the type of special deduction for housing loans, etc., and the specific acquisition category are set on the declaration screen, the deduction declaration data is acquired, The warning execution means The housing loan deduction management device of claim 5, characterized in that if the deduction determination means determines that the application for special deduction for housing loans, etc. does not conform to the deduction application period, the warning processing is executed by displaying the error message on the declaration screen.

9. A housing loan deduction management method to be executed by a housing loan deduction management device having a storage unit and a control unit, The storage unit The master of the housing deduction table that links the type of special deduction for housing loans, etc., the specific acquisition category, the period of residence in the house, and the number of years of deduction. Equipped with Executed in the control unit: a deduction declaration acquisition step for acquiring deduction declaration data set by linking the date of residence start, the type of special deduction for housing loans, etc., and the specific acquisition category; a deduction determination step for determining whether or not the application for the special deduction for housing loans, etc., conforms to the deduction application period based on the housing deduction table master and the deduction declaration data; a warning execution step of executing a warning process when it is determined in the deduction determination step that the application for the special deduction for housing loans, etc. does not conform to the deduction application period; A method for managing housing loan deductions, comprising:

10. A housing loan deduction management program to be executed by a housing loan deduction management device having a storage unit and a control unit, The storage unit The master of the housing deduction table that links the type of special deduction for housing loans, etc., the specific acquisition category, the period of residence in the house, and the number of years of deduction. Equipped with In the control unit, a deduction declaration acquisition step for acquiring deduction declaration data set by linking the date of residence start, the type of special deduction for housing loans, etc., and the specific acquisition category; a deduction determination step for determining whether or not the application for the special deduction for housing loans, etc., conforms to the deduction application period based on the housing deduction table master and the deduction declaration data; a warning execution step of executing a warning process when it is determined in the deduction determination step that the application for the special deduction for housing loans, etc. does not conform to the deduction application period; Home loan relief management program to implement.

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