JP2018180998A - Housing loan condition change system, housing loan condition change method, and housing loan condition change program - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a housing loan condition change system, a housing loan condition change method, and a housing loan condition change program, capable of flexibly coping with diversification of ideas in regard to financial assets, real estates and the like of the elderly.SOLUTION: A housing loan condition change system 100 for changing a condition of an existing housing loan to that of a principal payment deferred type housing loan, includes: principal-on-condition-change-day-acquisition means 11 for acquiring a principal outstanding amount of the existing housing loan or an amount calculated by subtracting an initial payment on a condition change day from the principal outstanding amount of the existing housing loan as a principal on the condition change day; principal-on-final-payment-day-acquisition means 12 for acquiring an amount specified to be within an amount calculated on the basis of a warranty amount, as a principal on the final payment day; and payment amount calculation means 13 for calculating a payment amount of the principal payment deferred type housing loan on the basis of the principal on the condition change day and the principal on the final payment day.SELECTED DRAWING: Figure 1

Description

  The present invention relates to a mortgage loan modification system, a mortgage loan modification method, and a mortgage loan modification program.

  Traditionally, mortgages for home buyers are offered from various financial institutions. These mortgage loans were to repay the amount of repayment calculated using the formula of equal repayment of principal or repayment of principal equally so that the loan balance would be just 0 at the final repayment date.

  On the other hand, it is possible to partially repay existing mortgages, for example, in Patent Document 1, for efficiently changing various setting conditions for a loan such as partial prepayments. An invention related to a loan business support system is described.

JP, 2010-160627, A

  By the way, recent lifestyle changes have diversified the way of thinking about financial assets, real estate, etc. of the elderly. For example, there is a method called reverse mortgage, which makes it possible to secure the living expenses of old age while continuing to live in a home by borrowing a home as collateral and disposing of the home and repaying it at the time of death.

  In addition, although a retired employee retires a lump sum on a mortgage loan with a retirement allowance to reduce interest burden, the mortgage is basically covered by group credit life insurance at a relatively low interest rate. Collective repayment is not always advantageous.

  On the other hand, the conventional mortgage loan is to repay the amount of repayment calculated by the formula of principal repayment or principal repayment every month so that the loan balance becomes just 0 at the final repayment date. As a result, financial planning for retirement is separated from that of the elderly, and it has not been possible to flexibly cope with diversification of the way of thinking about financial assets and real estate etc. of the elderly.

  The present invention solves the above-mentioned conventional problems, and it is possible to flexibly cope with diversification of the way of thinking about financial assets, real estate, etc. of elderly people, a mortgage loan modification system, a mortgage loan modification method, and Provides a mortgage loan modification program.

  In order to solve the above problems, the mortgage condition changing system of the present invention is a mortgage condition changing system for changing a condition of an existing mortgage into a deferred payment mortgage, and the existing mortgage of Condition change due date principals acquisition means which acquires the amount obtained by subtracting the amount of inflow of the condition change due date from the principal balance of the existing mortgage or the principal balance of the existing mortgage as a condition change due date principal money Means for acquiring as a final repayment due principal amount an amount specified to be within the specified amount, the principal repayment based on the condition change due principal and the final repayment due principal, It is characterized by having a repayment amount calculation means for calculating the repayment amount of the fixed mortgage.

  Also preferably, the internal payment is an amount obtained by subtracting the final repayment due principal from the principal balance.

  Further, the method of changing the condition of a mortgage loan according to the present invention is a method of changing a condition of a mortgage loan for changing the condition of an existing mortgage into a principal repayment deferred mortgage, and the principal balance of the existing mortgage or the above Condition change due date to be acquired as condition change due date principal amount minus the amount obtained by subtracting the condition change due date included amount from the existing mortgage principal balance, and within the amount calculated based on the collateral price And obtaining the final repayment due principal as the final repayment due principal, and the condition change due principal and the final repayment due principal to obtain the final repayment due principal and the principal repayment deferred mortgage. And a repayment amount calculating step of calculating a repayment amount.

  Further, the mortgage modification program of the present invention is a mortgage modification system for modifying an existing mortgage into a repayment-type fixed mortgage, the principal balance of the existing mortgage or the existing mortgage. Make the amount obtained by subtracting the amount of inflow of the condition change due date from the principal balance of the mortgage loan within the amount calculated based on the condition change due date main money acquisition step of acquiring the condition change due date principal and the collateral price. The repayment amount of the principal repayment deferred mortgage based on the final repayment due principal acquiring step of acquiring the designated amount as the final repayment due principal, the condition change due principal and the final repayment due principal. And a repayment amount calculating step of calculating.

  The mortgage loan condition change system of the present invention is for changing the condition of an existing mortgage to a principal repayment deferred mortgage, and the condition change due date principal money acquiring means, the final repayment due date principal money acquiring means, and the repayment amount It has calculation means. The condition-change-due principal acquisition means acquires an amount obtained by subtracting the inflow amount of the condition-changed date from the principal balance of the existing mortgage or the existing principal balance of the mortgage as a condition-change-due principal. Also, the means for acquiring the final repayment due principal acquires an amount designated to be within the amount calculated based on the collateral price as the final repayment due principal. The repayment amount calculation means is configured to calculate the repayment amount of the principal repayment deferred mortgage based on the condition change due principal and the final repayment due principal.

  Therefore, unlike the conventional mortgage, since it is possible to set the repayment amount of the final repayment date more, it is possible to make a repayment plan in consideration of the financial plan of old age, and thinking about financial assets and real estate etc. of the elderly. Can flexibly respond to the diversification of In addition, since the final repayment due principal is specified to be within the amount calculated based on the collateral price, it is possible to suppress the risk of bad debt on the financial institution side. In addition, mortgages are basically insured with group credit life insurance at relatively low interest rates, which is an advantage to customers in this respect.

  In addition, if the amount in money is the amount obtained by subtracting the final repayment due principal from the principal balance, the condition change due principal = the final repayment due principal and the principal repayment deferred mortgage has a single repayment It is possible to pay only interest during the period.

  The method for changing the condition of a mortgage loan according to the present invention is to change the condition of an existing mortgage into a deferred payment mortgage, and the step of obtaining a condition change due principal, the step of obtaining a final payment due money, and repayment It has an amount calculation step. In the condition change due date principal acquisition step, an amount obtained by subtracting the inflow amount of the condition change due date from the existing mortgage principal balance or the existing home loan principal balance is obtained as a condition change due date principal money. Also, in the final repayment due principal acquisition step, an amount designated to be within the amount calculated based on the collateral price is acquired as the final repayment due principal. Then, in the repayment amount calculation step, the repayment amount of the principal repayment deferred mortgage is calculated based on the condition change due principal and the final repayment due principal. Therefore, unlike the conventional mortgage, since it is possible to set the repayment amount of the final repayment date more, it is possible to make a repayment plan in consideration of the financial plan of old age, and thinking about financial assets and real estate etc. of the elderly. Can flexibly respond to the diversification of In addition, since the final repayment due principal is specified to be within the amount calculated based on the collateral price, it is possible to suppress the risk of bad debt on the financial institution side.

  Further, the mortgage loan condition change program of the present invention is a program that can make the mortgage loan condition change system of the present invention execute the mortgage loan condition change method of the present invention.

  As described above, according to the present invention, there is provided a mortgage condition change system, a mortgage condition change method, and a mortgage condition change program capable of flexibly coping with diversification of the way of thinking about financial assets, real estate, etc. of elderly people. can do.

FIG. 1 is a block diagram of a mortgage condition change system according to an embodiment of the present invention. It is a flowchart of a mortgage condition change system. It is a figure which shows the repayment condition item in a mortgage loan condition change system. It is a transition image figure of a principal balance. It is a transition image figure of a principal balance.

  Next, a mortgage condition change system according to an embodiment of the present invention will be described with reference to FIGS. 1 to 5.

  FIG. 1 is a block diagram of a mortgage condition change system 100 according to the present embodiment. The mortgage condition change system 100 is a system for changing the condition of an existing mortgage to a principal repayment deferred mortgage and is connected to a plurality of branch office terminals 1 via the network 2. The branch office terminal 1 is used to input information for staff members of the financial institution to change the condition, and to output mortgage information before and after the condition change, and is used as a keyboard or mouse as input means and as output means It has a display screen and a printer.

  The mortgage condition change system 100 includes a control unit 10 and a mortgage information DB 20. Further, the control unit 10 includes a condition change due date principal acquisition means 11, a final repayment due date principal acquisition means 12, and a repayment amount calculation means. The control unit 10 is realized by a program stored in a computer.

  Condition change due date principal acquisition means 11 acquires the mortgage loan balance at the condition change due date as condition change due date principal money. “Mortgage balance at modification date” refers to “existing mortgage principal balance” or “amount obtained by subtracting the modification amount due date from the existing mortgage principal balance” There is. That is, when changing the condition, the customer can select whether to change the condition of the existing mortgage as it is or to change the condition at the same time as entering the part.

  The final repayment due principal acquisition means 12 acquires the repayment principal of the final repayment due date as the final repayment due principal. The “final repayment due principal” is an amount to be allocated to the principal on the final repayment due date, and can set the customer's desired amount. However, it must be specified to be within the amount calculated based on the collateral price.

  Here, the amount within the amount calculated based on the collateral price is assumed to be recovery by collateral disposal for the purpose of financial institution's debt protection. The “amount calculated based on the collateral price” can be, for example, “50% of the land evaluation value of the collateral property”. Of course, it is possible to set other criteria, such as including the price of the building, changing the overhead, etc.

  The repayment amount calculation means 13 calculates the repayment amount of the principal repayment deferred mortgage after the change of conditions. Calculation of the repayment amount after the condition change is based on the “condition change due principal” acquired by the condition change due principal acquisition unit 11 and the “final repayment due principal” acquired by the final repayment due principal acquisition unit 12. Do. In addition, in the calculation of the repayment amount after the change of conditions, other repayment conditions such as interest rate and repayment date are necessary, but this point will be described later.

  The mortgage information database stores loan information on existing mortgages, and can obtain loan information by specifying a customer identifier and a loan identifier. Also, when a new mortgage is executed, new loan information is stored.

  FIG. 2 is a flowchart of the mortgage condition change system 100. The staff of the financial institution inputs repayment conditions for calculating the repayment amount after the condition change from the sales office terminal 1. The input information is transmitted to the mortgage condition change system 100 via the network 2. First, when the condition change due date principal amount is input, it is acquired by the condition change due date principal money acquiring means 11 (step S101). Next, when the final repayment due principal is input, it is acquired by the final repayment due principal acquisition means 12 (step S102). Next, when other repayment conditions necessary for calculating the repayment amount are input, the repayment amount calculation means 13 acquires the repayment amount (step S103). Then, the repayment amount calculation means 13 calculates the repayment amount every time on the basis of the condition change due principal, the final repayment due principal and other repayment conditions. In the flowchart of FIG. 2, steps S101 to S103 are in random order.

  Here, the repayment conditions for the repayment amount calculation means 13 to calculate the repayment amount for each time will be described. FIG. 3 is a diagram showing the repayment condition item 200 in the mortgage condition changing system 100. As shown in FIG. Items other than “condition change due principal” and “final repayment due principal” are other repayment conditions necessary to calculate the repayment amount. In addition, the item shown in FIG. 3 is an example, and is not limited to this. For example, when using bonus repayment together, conditions such as bonus repayment principal amount and bonus repayment month are required.

  Among other repayment terms, items that are the same as existing mortgages, such as repayment date and final repayment date, may be input from the branch office each time, or by identifying a customer identifier and a loan identifier You may make it acquire from loan information DB.

  In addition, the mortgage price information (performs periodic review) of existing mortgages is stored in the mortgage information database, and when the final repayment due date is specified, the collateral price information is displayed from the sales office terminal. It may be possible.

  Specific condition changes by the mortgage condition change system 100 will be described with reference to FIGS. 4 and 5.

(Tail heavy type repayment)
FIG. 4 is a transition image diagram of the principal balance in the case of changing the condition of the existing mortgage to a principal repayment deferred mortgage (tail heavy type repayment). In addition, although the principal decrease line differs between the equal interest repayment and the equal repayment of the principal, and in particular in the case of the equal repayment of the principal, it becomes a convex curve, but it is simplified and shown as a straight line for explanation here. Existing mortgages will be paid off at the age of 70 if there is no change in conditions from the initial borrowing date (35 years old) to the final repayment date (70 years old).

  On the other hand, the condition is changed to the condition change due date (60 years old). Here, the condition change due date is not included in the condition change due date, so the condition change due date principal (C) = principal balance (A). Then, an amount within 50% of the collateral price (land appraisal value) is set as the final repayment due principal (D). The principal repayment amount in the principal repayment deferred mortgage period is calculated based on the condition change due principal (C) and the final repayment due principal (D). That is, it is the sum of the amount calculated by equal principal repayment (or equal repayment of principal) for the upper triangular portion in the principal repayment deferred mortgage period of FIG. 4 and the amount of interest for the lower rectangular portion.

  After the final repayment date (70 years old), as shown in FIG. 4, it is possible to continue only interest payments while continuing to hold down the principal by reverse mortgage (lifetime), or it is also possible to repay all at once.

(Full payment due date)
FIG. 5 is a transition image diagram of the principal balance in the case of changing the condition of the existing mortgage to a principal repayment deferred mortgage (one-day repayment). In addition, although the principal decrease line differs between the equal interest repayment and the equal repayment of the principal, and in particular in the case of the equal repayment of the principal, it becomes a convex curve, but it is simplified and shown as a straight line for explanation here. Existing mortgages will be paid off at the age of 70 if there is no change in conditions from the initial borrowing date (35 years old) to the final repayment date (70 years old).

  On the other hand, the condition is changed to the condition change due date (60 years old). Here, first, an amount within 50% of the collateral price (land evaluation value) is set as the final repayment due principal (D). Then, the internal payment amount (B) is determined so that the internal payment amount (B) = principal balance (A)-final repayment due principal amount (D). As a result, the condition change due principal (C) = final repayment due principal (D). The principal repayment amount in the principal repayment deferred mortgage period is calculated based on the condition change due principal (C) and the final repayment due principal (D). That is, it is the amount of interest for the rectangular portion in the principal repayment deferred mortgage period of FIG.

  After the final repayment date (70 years old), as shown in FIG. 5, it is possible to continue only interest payments while continuing to hold down the principal by reverse mortgage (lifetime), or it is also possible to repay all at once.

  The mortgage condition change system 100 according to the present embodiment is for changing the condition of an existing mortgage to a principal repayment deferred mortgage, and the condition change due money acquisition means 11 and the final repayment due money acquisition Means 12 and repayment amount calculation means 13 are provided. The condition change due date principal acquisition means 11 is an amount obtained by subtracting the inside amount (B) of the condition change due date from the principal balance of the existing mortgage (A) or the existing mortgage's principal balance (A) Acquired as condition change due principal (C). In addition, the final repayment date principal acquisition means 12 acquires an amount designated to be within the amount calculated based on the collateral price as the final repayment date principal (D). And, the repayment amount calculation means 13 is configured to calculate the repayment amount of the principal repayment deferred mortgage based on the condition change due principal (C) and the final repayment due principal (D).

  Therefore, unlike the conventional mortgage, since it is possible to set the repayment amount of the final repayment date more, it is possible to make a repayment plan in consideration of the financial plan of old age, and thinking about financial assets and real estate etc. of the elderly. Can flexibly respond to the diversification of Further, since the final repayment due principal (D) is specified to be within the amount calculated based on the collateral price, it is possible to suppress the risk of bad debt on the financial institution side. In addition, mortgages are basically insured with group credit life insurance at relatively low interest rates, which is an advantage to customers in this respect.

  In addition, if the amount of money inset (B) is the amount obtained by subtracting the final repayment due principal (D) from the principal balance (A), the condition change due principal (C) = final repayment due principal (D) The principal repayment deferred mortgage is a one-time repayment type, and during this period, only interest can be paid.

  As described above, according to the mortgage condition changing system 100 according to the present embodiment, it is possible to flexibly cope with diversification of the way of thinking about financial assets, real estate, etc. of the elderly.

  Although the mortgage loan condition change system according to the embodiment of the present invention has been described above, the present invention is not limited to the embodiment described above, and various other modifications are possible. For example, in the present embodiment, the condition for calculating the repayment amount of the principal repayment deferred mortgage is input from the sales office terminal, but another input terminal may be used or the mortgage condition change It may be input directly to the system.

  In addition, in the tail heavy type repayment, the condition may be changed by the amount partially included.

1 sales office terminal 2 network 10 control means 11 condition change due principal acquisition means 12 final repayment due principal acquisition means 13 repayment amount calculation means 20 existing mortgage loan information DB
100 Mortgage Condition Modification System 200 Repayment Condition Item

Claims (4)

A mortgage loan condition change system for changing the condition of an existing mortgage loan into a deferred payment mortgage.
Condition change due principal amount acquiring means for acquiring an amount obtained by subtracting the amount of the inside of the condition change due date from the existing mortgage principal balance or the existing mortgage principal balance as condition change due principal money;
A final repayment due date principal acquisition means for acquiring an amount specified to be within the amount calculated based on the collateral price as the final repayment due date principal,
Repayment amount calculation means for calculating the repayment amount of the principal repayment deferred mortgage based on the condition change due principal and the final repayment due principal;
Mortgage condition change system characterized by having.   The mortgage loan condition change system according to claim 1, wherein the internal payment amount is an amount obtained by subtracting the final repayment due principal amount from the principal balance. A mortgage loan condition change method for changing the condition of an existing mortgage loan to a deferred payment mortgage.
A condition-change-due principal acquisition step of acquiring as the condition-modification-due principal amount an amount obtained by subtracting the in-cashment amount of the condition-modification date from the principal balance of the existing mortgage or the principal balance of the existing mortgage;
A final repayment due principal acquisition step of acquiring an amount specified to be within the amount calculated based on the collateral price as the final repayment due principal;
A repayment amount calculation step of calculating a repayment amount of the principal repayment deferred mortgage based on the condition change due principal and the final repayment due principal;
A mortgage loan condition change method characterized by having. Mortgage condition change system to change existing mortgage into principal repayment deferred mortgage
A condition-change-due principal acquisition step of acquiring as the condition-modification-due principal amount an amount obtained by subtracting the in-cashment amount of the condition-modification date from the principal balance of the existing mortgage or the principal balance of the existing mortgage;
A final repayment due principal acquisition step of acquiring an amount specified to be within the amount calculated based on the collateral price as the final repayment due principal;
A repayment amount calculation step of calculating a repayment amount of the principal repayment deferred mortgage based on the condition change due principal and the final repayment due principal;
Mortgage conditions change program to make it run.

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