Lender inquiry system, lender inquiry method, and lender inquiry program

Abstract

To provide a lender inquiry system, method and program that allows a real estate agent to easily propose financial institutions with a high probability of lending to a prospective real estate purchaser, regardless of the experience of a real estate agent's staff member or the increasingly complicated borrowing conditions for each financial institution, thereby reducing the work of provisionally applying for a loan and improving reliability. [Solution] When a person wishing to purchase a real estate property requests a loan from a financial institution, the control unit of the operating terminal 2 operated by the real estate property agent executes a property information acquisition step that accepts input of property information for the real estate property, a personal information acquisition step that accepts input of personal information for the prospective purchaser, and an inquiry step that refers to financial institution information previously stored in a database and displays one or more financial institutions from which the person can borrow on a display screen, based on the property information for the real estate property accepted in the property information acquisition step and the personal information of the prospective purchaser accepted in the personal information acquisition step.

Description

[Technical Field]

[0001] The present invention relates to a lender inquiry system, a lender inquiry method, and a lender inquiry program, and in particular to a lender inquiry method and a lender inquiry program on an operating terminal operated by a real estate agent when a prospective purchaser of a real estate property requests a loan from a financial institution. [Background technology]

[0002] BACKGROUND ART Conventionally, when purchasing real estate such as land or buildings, a system has been adopted as a well-known technology in which a computer system equipped with artificial intelligence determines whether or not to grant a loan based on a predetermined input condition in response to a loan application from a purchaser.

[0003] Also, a system is known in which the progress of the examination (including the process, results, etc.) is communicated between multiple parties including real estate agents and financial institutions (see, for example, Patent Document 1). [Prior art documents] [Patent documents]

[0004] [Patent Document 1] Patent No. 5389689 Summary of the Invention [Problem to be solved by the invention]

[0005] The above-mentioned system relates to processing carried out by a financial institution such as a bank that is to provide a loan.

[0006] Generally, real estate transactions are often handled by real estate agents, and when applying for a loan, they obtain personal information from the prospective borrower, as well as detailed information about the property in question, and based on past lending results, they narrow down the list of financial institutions that can provide the loan and propose them to the prospective buyer.

[0007] However, it is difficult for a person with little experience, such as a new employee, to suggest financial institutions that are likely to provide loans based on past loan results.In addition, in recent years, as loan conditions (including loan conditions) have become more complex, it is becoming difficult even for experienced people to narrow down the list of financial institutions.

[0008] Therefore, the object of the present invention is to provide a lender inquiry system, a lender inquiry method, and a lender inquiry program that can reduce the work of provisional loan applications and improve reliability by allowing real estate agents to easily suggest financial institutions that are likely to provide loans to prospective real estate purchasers, regardless of the experience of the real estate agent's staff or the increasingly complex loan conditions of each financial institution. [Means for solving the problem]

[0009] In order to achieve the above object, the present invention provides an operation terminal that is operated by a real estate agent when a prospective purchaser of a real estate property wishes to borrow money from a financial institution, wherein the control unit of the operation terminal has a property information acquisition step of accepting input of property information of the real estate property, a personal information acquisition step of accepting input of personal information of the prospective purchaser, and an inquiry step of referencing financial institution information stored in a database in advance and displaying one or more financial institutions from which a loan can be made on a display screen based on the property information of the real estate property accepted in the property information acquisition step and the personal information of the prospective purchaser accepted in the personal information acquisition step; The present invention is characterized by carrying out the following. [Effects of the Invention]

[0010] According to the present invention, if real estate agents can easily suggest to prospective real estate purchasers financial institutions that are likely to provide loans, regardless of the experience of the real estate agent's staff or the increasingly complex loan conditions of each financial institution, the work of provisional loan applications can be reduced and reliability can be improved. [Brief explanation of the drawings]

[0011] [Figure 1] 1 is an explanatory diagram showing an example of a lender inquiry system according to an embodiment of the present invention; [Figure 2] 3 is an explanatory diagram of a display routine executed by a control unit of the lender inquiry system according to the present embodiment. FIG. [Figure 3] 1 is an explanatory diagram of a display screen showing an example of a property information input screen of an operation terminal in a lender inquiry system according to this embodiment. FIG. [Figure 4] An explanatory diagram of a display screen showing an example of a display screen for extracting available financial institutions on an operation terminal in the lender inquiry system according to this embodiment. [Figure 5] 10 is an explanatory diagram of a display screen showing an example of a personal information input display screen of an operation terminal in the lender inquiry system according to this embodiment. FIG. [Figure 6] An explanatory diagram of a display screen showing an example of a provisional screening application display screen on an operating terminal in a lender inquiry system according to this embodiment. [Figure 7] 10 is an explanatory diagram of a display screen showing an example of a confirmation display screen of an operation terminal in the lender inquiry system according to this embodiment. FIG. [Figure 8] An explanatory diagram of a display screen showing an example of a provisional screening application completion display screen on an operating terminal in the lender inquiry system of this embodiment. [Figure 9] 10 is an explanatory diagram of a display screen showing an example of another property information input screen of an operation terminal in the lender inquiry system according to this embodiment. FIG. DETAILED DESCRIPTION OF THE INVENTION

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

[0013] In Figure 1, the lender inquiry system 1 comprises an operation terminal 2 such as a tablet terminal owned by a real estate agent or other intermediary (or their staff), and a reception terminal 3 owned by a financial institution such as a bank that can connect to this operation terminal 2 (including sending emails, etc.) via a telecommunications line NT.

[0014] In addition, when a prospective buyer of a real estate property requests a loan from a financial institution, the operation terminal 2 operated by the real estate property agent is not particularly limited to a tablet terminal, a desktop personal computer, a notebook personal computer, or a smartphone, etc., as long as it includes known computer functions including an operation unit, a control unit, and a display unit.

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

[0016] Here, the operation terminal 2 and the reception terminal 3 will be described below as a case in which they only exchange emails with each other, but this does not limit the interactions between them, for example, a method in which a financial institution's provisional application application is installed and then electronic applications are accepted.

[0017] In the case of a tablet terminal, the operation terminal 2 has a built-in storage unit and control unit (not shown), and is equipped with a touch panel display unit 2a that also serves as the operation unit. Therefore, the storage unit stores various programs including a program to be executed by the control unit according to this embodiment, and financial institution information organized into a database, which will be described later.

[0018] Next, an example of processing executed by (the control unit of) the operation terminal 2 will be described with reference to Fig. 2. Note that in the following description, although the processing is actually executed by the control unit, it will be collectively referred to as being executed by the operation terminal 2.

[0019] (Step S1) As shown in FIG. 3, the operation terminal 2 displays a property information input screen on the display screen 2a and has the operator execute a property information acquisition step that accepts input of property information for a real estate property. The operator checks this display and ticks each applicable condition, and once the ticking is complete, taps the "Find a Financial Institution" button to move to the next screen (next task). Note that, as shown in FIG. 3, the contents of the items are not limited, and borrower conditions may be included as part of the personal information. In other words, this step S1 can be replaced with basic or primary conditions for the property and individual.

[0020] (Step S2) As a result of the tap, the operation terminal 2, as shown in FIG. 4, refers to financial institution information stored in a database in advance based on the property information input in the property information acquisition step of step S1, and displays a list of one or more financial institutions on the display screen 2a so that the financial institutions can be selected as a borrowing financial institution extraction screen, and receives a primary selection input of one or more desired financial institutions. inquiry Have the operator perform the steps.

[0021] At this time, the operation terminal 2 can display characteristic information in each column of each listed financial institution, including interest rate conditions (interest rate type, interest rate rate, etc.) and messages indicating the characteristics of each financial institution (for example, ``No. 1 in customer satisfaction'').

[0022] Furthermore, when referring to the database, the operation terminal 2 extracts banks that can provide loans based on conditions such as not providing loans for leased land properties, and displays a list of one or more financial institutions on the display screen 2a. At this stage, the financial institutions that are displayed in the list may be displayed by their generic names only.

[0023] While checking this display, the operator checks the relevant financial institution, and once the check marking is complete, taps the "Enter personal information" button to move to the next screen (next task).

[0024] (Step S3) Upon tapping, the operation terminal 2 displays a personal information input screen on the display screen 2a as shown in FIG. 5, and causes the operator to execute a personal information acquisition step in which the operator inputs the personal information of the prospective buyer of the real estate property. While checking this display, the operator inputs the necessary information or checks each applicable condition, and when this task is complete, taps the "View Loan Information" button to move to the next screen (next task). Note that the personal information shown in FIG. 5 is more detailed than the borrower conditions shown in FIG. 3. Therefore, detailed property conditions (e.g., land size, construction method, etc.) can be included at the timing of this step S3. In other words, this step S3 can also be replaced with detailed conditions or secondary conditions.

[0025] (Step S4) As a result of the tap, as shown in FIG. 6, the operation terminal 2 refers to financial institution information stored in a database in advance based on the property information input in the property information acquisition step of step S1 and the personal information input in the personal information acquisition step of step S3, and displays a list of one or more financial institutions on the display screen 2a so that the financial institutions can be selected as a financial institution extraction screen for which a provisional screening application can be made. secondary Secondary to accept selection input inquiry Have the operator perform the steps.

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

[0027] The operator checks this display and ticks the appropriate financial institution, and once that is complete, taps the "Enter personal information" button to move to the next screen (next task).

[0028] (Step S5) The operation terminal 2 displays a screen for obtaining second personal information required when actually applying for a loan, i.e., a certificate such as a driver's license, which is not required in steps S2 and S4, and causes the operation terminal 2 to take a photograph using its built-in camera function, for example.

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

[0030] In addition, the screen for extracting financial institutions that can be borrowed in step S2, the screen for extracting financial institutions that can be used for a preliminary screening application in step S4, and the confirmation screen in step S6 can be presented to the applicant for a loan (and allowed to view), as necessary, and the applicant can then proceed to the next step.

[0031] After checking this display, the operator taps the "Apply with this content" button to move to the next screen.

[0032] (Step S7) The operation terminal 2 displays a provisional screening application completion screen as shown in FIG. 8, and ends this routine.

[0033] As described above, in this embodiment, when a prospective purchaser of a real estate property wishes to borrow money from a financial institution, an operation terminal 2 is provided which is operated by a real estate property agent, and the control unit of this operation terminal 2 executes a property information acquisition step (step S1) which accepts input of property information for the real estate property, a personal information acquisition step (step S3) which accepts input of personal information for the prospective purchaser, and an inquiry step (steps S2, S4) which refers to financial institution information previously stored in a database and displays one or more financial institutions from which a loan can be made on the display screen based on the property information for the real estate property accepted in the property information acquisition step and the personal information of the prospective purchaser accepted in the personal information acquisition step.

[0034] Here, the control unit of the operation terminal 2, as a reference step, refers to financial institution information stored in a database in advance based on the property information input in the property information acquisition step, and displays a list of one or more financial institutions so that the financial institutions can be selected, and also displays characteristic information including interest rate conditions for each financial institution in the list, and receives a primary selection input of one or more desired financial institutions. inquiry Step (Step S2) and the primary inquiry A secondary inquiry step (step S4) is executed in which, for one or more financial institutions accepted in the step, one or more financial institutions from which a loan can be made are displayed on the display screen by referring to financial institution information previously stored in a database based on the personal information of the prospective purchaser accepted in the personal information acquisition step.

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

[0036] This allows real estate agents to easily suggest to prospective real estate buyers financial institutions that are likely to provide loans, regardless of the experience of the real estate agent or the increasingly complex loan conditions of each financial institution, thereby reducing the work of provisional loan applications and improving reliability.

[0037] The present invention is not limited to the above embodiment, and various modifications are possible within the scope of the spirit and technical concept, such as separately displaying the "Property Conditions" and "Renter Conditions" shown in FIG. 3, or switching the order of the property information input step and the personal information input step. Furthermore, the present invention can be adapted appropriately to the addition or modification of various screening items due to amendments or changes to laws, ordinances, etc., and changes to the conditions of financial institutions such as banks. Below, such modifications are explained step by step.

[0038] (1) Simultaneous primary input of personal information and property information For example, it is possible to simultaneously display the property information input screen in step S1 and the personal information input screen in step S3 on the display screen 2a of the operation terminal 2 on one screen, thereby omitting the routine in step S2.

[0039] (2) Enter detailed property information and personal information Furthermore, the information required for input on each screen displayed on the display screen 2a to allow the operator to perform input work is not limited to the above. Examples of specific conditions (items) are shown below, but this display will require input of check marks or input of characters, numbers, etc. depending on the item.

[0040] (3) Condition items <Prospective Borrower> Individuals or corporations <Postal Code> Current postal code · Postal code of the property you plan to purchase <Property> Target area: distant etc. *Enter the address of your registered residence and the postal code of the property · Leased property (normal leasehold / fixed-term leasehold) Outside urbanized areas · Urbanization control area (property that cannot be rebuilt by a third party) ·Undetermined land Temporary land replacement and reserved land properties ·Provisory Road · Old earthquake-resistant buildings Row houses ·Second homes ·Vacation homes Properties that do not comply with the Building Standards Act and other laws and regulations Existing non-compliant properties Commercial properties (including residential properties with stores) · Income-generating properties (including rental housing) · Intermediate registration transactions Bridge loans Remote islands <Use of funds> Home loans Investment loans Apartment loan (1 building) Other (real estate secured loans, etc.) ≪Attribute≫ Length of service *Enter the number of years of service · Personal information concerns (negative information, transfer, etc.) · Group life insurance not available Temporary employees ·contract employee Part-time jobs Foreign nationality (with permanent or special permanent residency) Foreign nationality (without permanent or special permanent residency) Self-employed (corporate representative or executive) · Self-employed (personal business) Deficit financial statements (corporate representative or executive) ·Working overseas (working at a Japanese company, stationed overseas) ·Overseas work (overseas company) Planning to get divorced ·Pair loan Parent-child relay <Property Type> · Construction (land + building) · Construction (buildings only) Used detached house Used apartments ·others <Other> · Request for loan for renovation · Bridge loan request · Request for loan for various expenses ·Consolidation loan request · Trading between relatives Private sales without the mediation of a real estate agent Corporate name loan

[0041] (4) Customer (joint debtor, joint guarantor) conditions Annual income (last 2 years) Number of existing loans Existing initial loan amount Existing loan balance Existing loan monthly payment amount · Purpose of existing loans Home postal code · Postal code of the property you plan to purchase Family composition (number of people living together) Age

[0042] (5) Identification documents (applicant, joint debtor, joint guarantor) ·full name ·date of birth ·address ·sex License number Date of employment

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

[0044] (7) Enter other information about the property you plan to purchase Postal address Apartment name / room number Date of construction Site area Floor area (exclusive area) · Land rights

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

[0046] (9) Broker information Company name, person in charge ·address ·phone

[0047] (10) Display control by blacklisting It is also possible to reflect what is commonly known as a "blacklist" that can generally be set by financial institutions. For example, in the list of financial institutions displayed in Figure 4 or Figure 6, financial institutions that correspond to real estate agents (or individuals) set by the financial institution or financial institutions set by the real estate agent can be set between them. This makes it possible to prevent the corresponding financial institutions from being displayed in the list.

[0048] In addition ,above In the above embodiment, an example is given in which communication is carried out between an intermediary and a financial institution via a telecommunications line NT, but it is also possible to include loan applicants and judicial scriveners for registration.

[0049] Although not specifically illustrated, the present invention can be implemented with various modifications within the scope of the invention. [Explanation of symbols]

[0050] 1. Lender Inquiry System 2. Operation terminal 2a Display screen

Claims

1. A lender inquiry system comprising an operation terminal operated by a real estate agent when a prospective purchaser of a real estate property requests a loan from a financial institution, The control unit of the operation terminal a property information acquisition step of accepting input of property information of the real estate property by the broker; a first display step of referencing financial institution information stored in a database in advance based on the property information input in the property information acquisition step, and displaying a list of one or more financial institutions that the prospective purchaser can select as a lender from the database, along with characteristic information including interest rate conditions for each of the financial institutions; and a first receiving step of receiving a primary selection input by the intermediary of one or more financial institutions desired by the prospective purchaser from among the financial institutions displayed on the available financial institution extraction screen; a personal information acquisition step of accepting input of personal information of the prospective purchaser by the intermediary; a second display step of displaying on the display screen a financial institution extraction screen for extracting financial institutions for which a provisional loan application can be made, which references the financial institution information stored in the database based on the personal information of the prospective purchaser received in the personal information acquisition step, and extracts and displays one or more financial institutions for which a provisional loan application can be made from the one or more financial institutions received in the first reception step; and A second reception step of receiving a secondary selection input by the intermediary of one or more financial institutions desired by the prospective purchaser from among the financial institutions displayed on the screen for extracting financial institutions available for provisional screening; a transmitting step of transmitting provisional application information including the property information and the personal information via a telecommunications line to a terminal of the financial institution accepted in the second accepting step; Run The screen for extracting financial institutions from which a loan is available, which is displayed in the first display step, and the screen for extracting financial institutions from which a provisional screening application is available, which is displayed in the second display step, are screens for confirming the intention of the prospective purchaser who is applying for a loan. A lender inquiry system characterized by:

2. A lender inquiry method executed by a control unit of an operation terminal operated by a real estate agent when a prospective purchaser of a real estate property requests a loan from a financial institution, comprising: a property information acquisition step of accepting input of property information of the real estate property by the broker; a first display step of referencing financial institution information stored in a database in advance based on the property information input in the property information acquisition step, and displaying a list of one or more financial institutions that the prospective purchaser can select as a lender from the database, along with characteristic information including interest rate conditions for each of the financial institutions; and a first receiving step of receiving a primary selection input by the intermediary of one or more financial institutions desired by the prospective purchaser from among the financial institutions displayed on the available financial institution extraction screen; a personal information acquisition step of accepting input of personal information of the prospective purchaser by the intermediary; a second display step of displaying on the display screen a financial institution extraction screen for extracting financial institutions for which a provisional loan application can be made, which references the financial institution information stored in the database based on the personal information of the prospective purchaser received in the personal information acquisition step, and extracts and displays one or more financial institutions for which a provisional loan application can be made from the one or more financial institutions received in the first reception step; and A second reception step of receiving a secondary selection input by the intermediary of one or more financial institutions desired by the prospective purchaser from among the financial institutions displayed on the screen for extracting financial institutions available for provisional screening; a transmitting step of transmitting provisional application information including the property information and the personal information via a telecommunications line to a terminal of the financial institution accepted in the second accepting step; and The screen for extracting financial institutions from which a loan is available, which is displayed in the first display step, and the screen for extracting financial institutions from which a provisional screening application is available, which is displayed in the second display step, are screens for confirming the intention of the prospective purchaser who is applying for a loan. A method for inquiring about lenders, comprising:

3. When a prospective buyer of a real estate property requests a loan from a financial institution, a control unit of an operation terminal operated by a real estate property broker is a property information acquisition step of accepting input of property information of the real estate property by the broker; a first display step of referencing financial institution information stored in a database in advance based on the property information input in the property information acquisition step, and displaying a list of one or more financial institutions that the prospective purchaser can select as a lender from the database, along with characteristic information including interest rate conditions for each of the financial institutions; and a first receiving step of receiving a primary selection input by the intermediary of one or more financial institutions desired by the prospective purchaser from among the financial institutions displayed on the available financial institution extraction screen; a personal information acquisition step of accepting input of personal information of the prospective purchaser by the intermediary; a second display step of displaying on the display screen a financial institution extraction screen for extracting financial institutions for which a provisional loan application can be made, which references the financial institution information stored in the database based on the personal information of the prospective purchaser received in the personal information acquisition step, and extracts and displays one or more financial institutions for which a provisional loan application can be made from the one or more financial institutions received in the first reception step; and A second reception step of receiving a secondary selection input by the intermediary of one or more financial institutions desired by the prospective purchaser from among the financial institutions displayed on the screen for extracting financial institutions available for provisional screening; a transmitting step of transmitting provisional application information including the property information and the personal information via a telecommunications line to a terminal of the financial institution accepted in the second accepting step; Execute The screen for extracting financial institutions from which a loan is available, which is displayed in the first display step, and the screen for extracting financial institutions from which a provisional screening application is available, which is displayed in the second display step, are screens for confirming the intention of the prospective purchaser who is applying for a loan. A lender inquiry program characterized by:

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