JP4955140B2 - Mortgage refinancing related information notification system - Google Patents

Description

[0001]
BACKGROUND OF THE INVENTION
The present invention relates to a mortgage refinancing related information notification system for notifying information related to mortgage refinancing.
[0002]
[Prior art]
In the past, if there has been a change in interest rates during the repayment period of a mortgage, the person who wants to change the interest rate at the financial institution provides loan information for examination, and the person in charge at a later date Examines based on loan information and informs the result of the examination by mail.
[0003]
For financial institutions, if there is a change in interest rates during the repayment period of a mortgage, the Internet will provide loan information for review from those who wish to change interest rates. There are financial institutions that are building systems that can be obtained through When such a financial institution obtains loan information, the person in charge performs an examination based on the loan information at a later date and informs the examination result by mail or the like.
[0004]
[Problems to be solved by the invention]
However, even in such a system, the user must determine whether the repayment will be advantageous by refinancing, by calculating the loan balance roughly using several interest rates in advance, It was very annoying.
[0005]
An object of the present invention is to provide a mortgage refinancing related information notification system that solves the above problems.
[0006]
[Means for Solving the Problems]
The invention of claim 1 is a mortgage refinancing related information notification system in which several member terminals, a server, and several financial institution terminals are connected to each other via the Internet. Extracting means for extracting from the registered members a member determined to be advantageous for repayment by refinancing, calculating means for calculating the loan balance and remaining loan period of the member extracted by the extracting means, and the calculating means Display control means for displaying the loan balance and loan remaining period calculated by the above in association with the member name on each financial institution terminal, and when the refinancing conditions are presented from the financial institution, An execution means for executing a refinancing simulation based on the execution result, an execution result notifying means for notifying an execution result of the execution means to a member terminal of the corresponding member, Display control means for displaying on the financial institution terminal the member name of the member whose examination conditions are entered, and examination result notifying means for notifying the member terminal of the corresponding member when a refinancing examination result is inputted from the financial institution terminal; It is provided with.
[0007]
In claim 1, when the member is registered, the calculation means can calculate the loan balance and the remaining loan period of the registered member, and the display control means is calculated by the calculation means. The loan balance and the remaining loan period can be additionally displayed on the financial terminal.
[0008]
DETAILED DESCRIPTION OF THE INVENTION
Hereinafter, embodiments of the present invention will be described in detail with reference to the drawings.
[0009]
FIG. 1 shows an embodiment of the present invention. This is an example of a mortgage refinancing related information notification system, in which several member terminals 1, a server 2, and several financial institution terminals 3 are connected to each other via the Internet.
[0010]
The member terminal 1 is a terminal of a member who has registered as a member. The financial institution terminal 3 is a terminal of a financial institution that subscribes to the home loan refinancing related information notification system as a member. The server 2 presents the member name of the member who has determined that repayment is advantageous by refinancing to the financial period terminal 3, and performs a refinancing simulation based on the member selected by the financial institution and the refinancing conditions presented to the member, The result is presented to the member, and the examination result of the financial institution based on the refinancing examination condition is notified to the member.
[0011]
FIG. 2 is a flowchart showing an example of a member registration procedure by the server 2 of FIG. This mortgage refinancing related information notification system is only available to members, so anyone who wants to become a member needs to register as a member.
[0012]
When the person A who wants to become a member accesses the server 2 from the member terminal 1, the server 2 displays a menu on the member terminal 1 of A (S201). When a member registration item is selected by A from the displayed menu (S202), the screen is switched to a screen as shown in FIG. 3 (S203).
[0013]
A will type in text for each text box in the screen of FIG.
[0014]
In the example of the screen shown in FIG. 3, the text box is labeled with the name, address, age, telephone, and email address as the user profile, and the loan information includes the loan amount, repayment amount (month, bonus), interest rate, Repayment years and repayment start dates are labeled, and land and building locations and areas are labeled as collateral information.
[0015]
As for the borrowing relationship, when there are a plurality of borrowings, the text is typed into the text boxes related to the plurality of borrowings.
[0016]
When the type-in to each text box by A is completed and the form is submitted (S204), the server 2 stores the text entered by A in the database in association with the label, and the member ID And a password (PW) are issued to A (S205), and then member registration is terminated.
[0017]
If there is a member registration as described above, immediately after the member registration, the member's loan balance and the remaining loan period are calculated, and the member's name, the loan balance and the remaining loan period Let's add it to the member list screen.
[0018]
FIG. 4 is a flowchart showing an example of a refinancing condition presentation procedure by the server 2 of FIG. The server 2 periodically extracts, for example, every month (S401), members who are determined to be repaid by refinancing based on predetermined conditions from registered members (S402), and the extracted member loans The balance total and the remaining loan period are calculated (S403), and the extracted member name is associated with the loan balance total and the remaining loan period and displayed on each financial institution terminal 3 as a member list screen (S404). An example of this screen is shown in FIG.
[0019]
Then, when the interest rate is input from the financial institution terminal 3 to the financial institution input column on the screen of FIG. 5 or the member name and the interest rate are input to the financial institution input column for a specific person (S404), the server 2 refinances. A simulation of later repayment conditions is performed (S405), the result is notified to the member terminal 1 of the target member, and when there is access from the target member, for example, refinancing examination as shown in FIG. A condition input screen is displayed (S406).
[0020]
The refinancing examination condition input screen of FIG. 6 is a screen for typing in profile details, loan balance details, and collateral details. In this refinancing examination condition input screen, the profile, the loan information and the collateral property information text box that are already stored in the database are actually filled in with text, so members can enter other text boxes. Will type in the text.
[0021]
In other words, the member types in the place of work, length of service, title, annual income, balance of borrowed money (if there is more than one), and the land address, area and right, building address, area, right and age. Type in the structure, and for the mortgage, you will type in its rank, mortgage holder, mortgage setting, and mortgage type.
[0022]
When the type-in to the text box in the refinancing examination condition input screen of FIG. 6 is completed and the form is submitted (S407), the server 2 associates the entered text with the label, and performs the refinancing examination. The data is stored in the database as a condition (S408), and additionally displayed on the screen of each financial institution terminal 3 as one of the refinancing desired members (S409).
[0023]
Thereafter, each financial institution browses the refinancing desired member list screen displayed on the financial institution terminal 3 and examines each refinancing desired member displayed on the screen with reference to the data in the database.
[0024]
As a result of the examination, the financial institution typed the bank name, interest rate (fixed, variable), loan amount, and repayable year into the financial institution input field of the screen shown in FIG. Will be in.
[0025]
Then, when the examination result is input from the financial institution terminal 3 (S410), the server 2 notifies the relevant member that the examination result and the examination result can be viewed on the screen. It is possible to interactively switch to the examination result screen (S411).
[0026]
A member who accepts the examination result as shown in FIG. 7 takes the refinancing procedure at the window of the financial institution.
[0027]
【Effect of the invention】
As described above, according to the present invention, since it is configured as described above, information related to mortgage refinancing can be notified to the corresponding member.
[Brief description of the drawings]
FIG. 1 is a block diagram showing an embodiment of the present invention.
FIG. 2 is a flowchart showing an example of a member registration procedure by the server 2 of FIG.
FIG. 3 is a diagram illustrating an example of a member registration screen.
4 is a flowchart showing an example of a refinancing condition presentation procedure by the server 2 in FIG. 1;
FIG. 5 is a diagram showing an example of a member list screen.
FIG. 6 is a diagram showing an example of a refinancing examination condition input screen.
FIG. 7 is a diagram showing an example of a screening result screen for each member.
[Explanation of symbols]
1 Member terminal 2 Server 3 Financial institution terminal

Claims (5)

A mortgage refinancing related information notification system in which a member terminal provided by a member, a server, and a financial institution terminal provided by a financial institution are interconnected via the Internet,
The server
A unique member ID in the member, and holding means for viewing including the repayment to the financial institution for the member, for holding in association with loan information inputted from the member,
Extraction means for periodically extracting a specific member ID from the member ID based on a predetermined condition;
Calculation means for calculating a loan balance and a remaining loan period based on the loan information associated with the specific member ID;
Loan information transmission means for transmitting loan information in which the specific member ID is associated with the calculated loan balance and loan remaining period to the plurality of financial institution terminals;
Interest rate information receiving means for receiving interest rate information transmitted from a financial institution terminal according to the loan information;
Simulation means for simulating a change in repayment status based on the interest rate information and the loan information associated with the specific member ID;
Presenting means for presenting the change in the repayment status to the member associated with the specific member ID;
When receiving examination application information including information for application for examination from the member associated with the specific member ID responding to the presentation by the presenting means, the examination application information is sent to the financial institution terminal corresponding to the loan information. A means to send examination application information to be sent to
Receiving means for receiving the result of the examination from the financial institution terminal corresponding to the examination application information;
A mortgage refinancing related information notification system comprising: a screening result transmission unit configured to transmit the screening result to a member terminal of a member associated with the specific member ID.   The mortgage refinancing related information notification system according to claim 1, wherein the extraction unit extracts a member ID at predetermined time intervals.   The mortgage refinancing related information notification system according to claim 1, wherein the loan information is input from the member terminal.   The mortgage refinancing related information notification system according to claim 1, wherein the loan information includes a loan from the financial institution, a monthly repayment amount, an interest rate, and a repayment period. The holding means holds the examination application information,
The mortgage refinancing related information notification system according to claim 1, wherein the financial institution terminal can access the loan information and the examination application information.

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