JP7411595B2 - Land appraised value calculation device, land appraised value calculation method, and land appraised value calculation program - Google Patents

Description

The present invention relates to a land evaluation value calculation device, a land evaluation value calculation method, and a land evaluation value calculation program.

Patent Document 1 discloses that if a person who intends to invest in real estate is unable to prepare purchase funds, he or she will borrow funds from a financial institution such as a bank as a home loan or apartment loan (Patent Document 1) (See paragraph 0003 of Document 1, etc.).

Japanese Patent Application Publication No. 2016-57774

As described in Patent Document 1, when financial institutions and the like provide housing loans, they use real estate as collateral for financing, but at this time, it is necessary to calculate the market value of the real estate used as collateral.

However, in the past, the market value evaluation of real estate was performed manually by a person in charge, which resulted in a large human burden and a time-consuming response to the customer. Additionally, in recent years, due to the diversification of the financial industry due to negative interest rates and the entry of online banks, there is a situation where people do not want to spend time reviewing each mortgage loan. On the other hand, in order to maintain connections with customers, mortgage lending itself must continue.

In other words, although it is necessary to continue the mortgage lending business itself, this business does not lead to profits, so it is easy and quick to use the market value (approximate amount) of the land appraised value of the collateral real estate. There was a need for a method that could be calculated in terms of time.

The present invention has been made in view of the above problems, and aims to provide a land appraisal value calculation device, a land appraisal value calculation method, and a land appraisal value calculation program that can calculate the land appraisal value of real estate. purpose.

In order to solve the above-mentioned problems and achieve the purpose, a land evaluation value calculation device according to the present invention is a land evaluation value calculation device including a control unit, and the control unit is a target for evaluating land. Property data including location information of a property, assessed area of the property, and attribute information of the property, location information of a publicized land or reference land, attribute information of the publicized land or reference land, and the publicized land or the reference land. Based on the announced land/standard land data including details of the announced land/standard land having the published land price per unit area, a detail extracting means for extracting the announced place/reference place details whose location information in the property data belongs to a predetermined range; A detailed selection means for selecting the announced land/reference land details for each property having the same attribute information as the attribute information; The announced location/reference location details are calculated based on the location information in the data and the location information in the announced location/reference location details, and the distance between the property and the announced location or reference location is the shortest. Based on the detailed adoption means employed in each case, the land price per unit area in the public land/standard land details for each property adopted by the detailed adoption means, and the assessed area of the property, The present invention is characterized by comprising an evaluation value calculation means for calculating a land evaluation value of the property for each of the properties.

Further, in the land evaluation value calculation device according to the present invention, the attribute information is a stepwise classification regarding the use of the property, the announced land, or the reference land and the distance from the nearest station, and the details selection means includes: From the details of the announced land/reference land extracted by the details extraction means, the announced land/reference land has the same use as the use in the property data and has the same classification as the classification in the property data. The present invention is characterized in that reference location details are selected for each of the properties.

Further, in the land evaluation value calculation device according to the present invention, the control unit includes a display unit that displays an alert when the distance calculated by the detail adoption unit is equal to or greater than a set value set in a distance information master. It is characterized by further comprising:

Further, the land appraisal value calculation method according to the present invention is a land appraisal value calculation method executed by an information processing device including a control unit, and the land appraisal value calculation method is executed by the control unit, and the land appraisal value calculation method is executed by the control unit. Property data including location information, assessed area of the property, and attribute information of the property, location information of the announced land or reference land, attribute information of the announced land or the reference land, and publication of the announced land or the reference land. Based on the announced land/reference land data including details of the announced land/reference land having a land price per unit area of A detailed extraction step of extracting the announced location/reference location details whose location information falls within a predetermined range, and the attribute information in the property data from the announced location/reference location details extracted in the details extraction step. A detailed selection step of selecting the announced land/reference land details for each property having the same attribute information as the property data, For each property, determine the announced location/reference location details for which the distance between the property and the announced location or reference location is the shortest, calculated based on the location information in the location information and the location information in the announced location/reference location details. The property is determined based on the detailed adoption step to be adopted, the land price per unit area in the announced land/standard land details for each property adopted in the detailed adoption step, and the assessed area of the property. and an evaluation value calculation step of calculating the land evaluation value for each of the properties.

Further, the land evaluation value calculation program according to the present invention is a land evaluation value calculation program to be executed by an information processing device including a control unit, and is a land evaluation target to be executed by the control unit. Property data including location information of a property, assessed area of the property, and attribute information of the property, location information of a publicized land or reference land, attribute information of the publicized land or reference land, and the publicized land or the reference land. Based on the announced land/standard land data including details of the announced land/standard land having the published land price per unit area, A detailed extraction step of extracting the announced location/reference location details whose location information in the property data belongs to a predetermined range; A detailed selection step of selecting the announced land/standard land details for each property that has the same attribute information as the attribute information, and a detailed selection step of selecting the announced land/standard land details for each property selected in the detailed selection step. The announced location/reference location details are calculated based on the location information in the data and the location information in the announced location/reference location details, and the distance between the property and the announced location or reference location is the shortest. Based on the detailed adoption step adopted in each case, the land price per unit area in the public land/standard land details for each property adopted in the detailed adoption step, and the assessed area of the property, The method is characterized by including an evaluation value calculation step of calculating a land evaluation value of the property for each of the properties.

According to the present invention, it is possible to calculate the land evaluation value of real estate.

FIG. 1 is a block diagram showing an example of a configuration for calculating land evaluation value. FIG. 2 is a diagram showing an example of collateral property registration data. FIG. 3 is a diagram showing an example of collateral property registration data. FIG. 4 is a diagram showing an example of public place/reference place data. FIG. 5 is a diagram showing an example of a set distance information master. FIG. 6 is a diagram illustrating an example of selection of a public place/reference place. FIG. 7 is a diagram illustrating an example of calculation of land evaluation value. FIG. 8 is a diagram showing an example of a display of the calculated land evaluation value.

DESCRIPTION OF EMBODIMENTS Below, embodiments of a land evaluation value calculation device, a land evaluation value calculation method, and a land evaluation value calculation program according to the present invention will be described in detail based on the drawings. Note that the present invention is not limited to this embodiment.

[1. overview]
When providing housing loans, real estate is used as collateral for financing. At this time, it is necessary to calculate the market value of real estate (land, buildings, condominiums, etc.) used as collateral.

Here, in the industry (for example, the financial industry, etc.) that conducts real estate valuation work, there are the following three industry backgrounds.

First, due to the recent low interest rates (negative interest rates and the diversification of the financial industry due to the entry of online banks, etc.), providing mortgage loans does not lead to profits. For this reason, there is a background in which people are unable to spend time reviewing each mortgage loan. However, in order to maintain connections with customers, it is necessary to continue providing mortgage loans.

Second, regarding mortgage collateral evaluation,
(1) There are many normal banks, and there is little risk of loan defaults.
(2) Due to the nature of a mortgage loan, it is difficult to recover the collateral property even if a loan default occurs. Rather, it is important to properly examine personal attribute information (past loan history, presence of guarantors, etc.) and provide loans that will not lead to defaults.
(3) However, since it is necessary to calculate the loan ratio from the property value, it is necessary to have a sense of the market value of the collateral property.

Thirdly, land evaluation in the past has been based on a strict evaluation process such as indexing and correcting the results of actual field surveys, that is, land evaluation has been done manually. This is stipulated by the Financial Inspection Manual, and there has been a long period of strict evaluation of real estate collateral, and there was a strong conservative mindset in real estate collateral evaluation work. However, manual land evaluation imposes a large human burden, and there are also problems in that it takes a long time to respond to the customer's review.

In response to this industry background, in this embodiment, the functions shown in (1) to (3) below are realized to grasp the market view of land evaluation value. (1) In other words, in this embodiment, for example, the position information (latitude and longitude information) of the collateral property to be evaluated is obtained from the electronic map by utilizing the official land price and standard land price published by the national or local government. We have implemented a simple automatic evaluation function that automatically calculates the appraised value of land by understanding the information and searching for the nearest public land or reference land. In other words, when evaluating real estate collateral for a mortgage loan, latitude and longitude information is automatically acquired in conjunction with a mapping system, the target property is automatically identified, and the compliant land that serves as the evaluation standard is automatically identified. It is now possible to automatically calculate the unit price. This has made it possible, for example, to save labor and speed up mortgage loan screening operations. (2) Furthermore, in this embodiment, similar reference locations can be selected based on, for example, preset parameters. (3) In the present embodiment, for example, if the collateral property and the announced land or reference land are separated by more than a set value, it is possible to display an alert and switch to manual evaluation. The specific configuration and operation will be described below.

[2. composition]
An example of the configuration of the land evaluation value calculation device 100 according to the present embodiment will be described with reference to FIG. 1. FIG. 1 is a block diagram showing an example of the configuration of a land evaluation value calculation device 100.

The land evaluation value calculation device 100 is a commercially available desktop personal computer. Note that the land evaluation value calculation device 100 is not limited to a stationary information processing device such as a desktop personal computer, but can also be used for commercially available notebook personal computers, PDAs (Personal Digital Assistants), smartphones, tablet personal computers, etc. It may also be a portable information processing device.

The land evaluation value calculation device 100 includes a control section 102, a communication interface section 104, a storage section 106, and an input/output interface section 108. Each unit included in the budget data generation device 100 is communicably connected via an arbitrary communication path.

The communication interface unit 104 communicably connects the land evaluation value calculation device 100 to the network 300 via a communication device such as a router and a wired or wireless communication line such as a dedicated line. The communication interface unit 104 has a function of communicating data with other devices via a communication line. Here, the network 300 has a function of connecting the land evaluation value calculation 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). Note that data such as various masters, which will be described later, may be stored in the server 200, for example.

An input device 112 and an output device 114 are connected to the input/output interface unit 108 . As the output device 114, in addition to a monitor (including a home television), a speaker or a printer can be used. As the input device 112, in addition to a keyboard, a mouse, and a microphone, a monitor that cooperates with the mouse to realize a pointing device function can be used. Note that in the following description, the output device 114 may be referred to as a monitor 114, and the input device 112 may be referred to as a keyboard 112 or a mouse 112.

The storage unit 106 stores various databases, tables, files, and the like. The storage unit 106 stores a computer program for giving instructions to a CPU (Central Processing Unit) to perform various processes in cooperation with an OS (Operating System). As the storage unit 106, for example, a memory device such as a RAM (Random Access Memory) or a ROM (Read Only Memory), a fixed disk device such as a hard disk, a flexible disk, an optical disk, etc. can be used.

The storage unit 106 includes, for example, collateral property registration data 106a as property data, announced location/reference location data 106b, and set distance information master 106c as a distance information master.

The collateral property registration data 106a is data for registering location information and the like regarding properties held as collateral by financial institutions and the like. An example of collateral property registration data 106a is shown in FIGS. 2 and 3. The collateral property registration data 106a includes, for example, property identification data (property number in FIG. 3) for identifying a property for which land is to be evaluated, location information of the property (latitude and longitude in FIG. 3), It includes the evaluated area of the property (in FIG. 3, the evaluated area), attribute information of the property, and the like. The attribute information is, for example, a graded classification regarding the use of the property (the area of use in FIG. 3) and the distance from the nearest station (the distance from the nearest station in FIG. 3). This gradual classification means that the value set for "distance from the nearest station" in Figure 3 is not a numerical value that is individually and specifically set by the operator, but, for example, "within 500 meters" or "within 1 km." It means a stepwise numerical range such as "1 km or more".

The announced land/reference land data 106b is data for registering the land price of the announced land or reference land. The publicly announced land or the standard land is land whose price has been announced by the Ministry of Land, Infrastructure, Transport and Tourism. An example of the announced location/reference location data 106b is shown in FIG. The announced place/reference place data 106b includes, for example, data for identifying the announced place or the reference place (a number in FIG. 4), and a classification (in FIG. 4, a number) indicating whether it is the announced place or the reference place. 4, the announced land reference area), the position information of the announced land or the reference land (in FIG. 4, latitude and longitude), the attribute information of the announced land or the reference land, and the announced land or the reference land. It includes the published land price per unit area (in Figure 4, unit price (yen/m ² )), and details of the announced land/standard land, etc. The attribute information is, for example, a graded classification regarding the use of the public land and the reference land (in FIG. 4, usage area) and the distance from the nearest station (in FIG. 4, distance from the nearest station). The meaning of the tiered classification is the same as in the previous paragraph, but it is worth noting that the distance from the nearest station in the announced location/reference location data 106b refers to the distance from the nearest station to the collateral property. It means the distance from the nearest station to the announced location or the reference location, rather than the distance from the location.

The set distance information master 106c is a master for setting a set value when it is desired to display an alert when the distance between the collateral property and the announced land or the reference land is greater than or equal to a predetermined set value. be. As shown in FIG. 5, the set distance information master 106c includes, for example, a number (No), the set value, and the like. The unit of the set value is, for example, meters, although it is not particularly limited.

The control unit 102 is a CPU or the like that centrally controls the land evaluation value calculation device 100. The control unit 102 has an internal memory for storing control programs such as an OS, programs specifying various processing procedures, required data, etc., and performs various information processing based on these stored programs. Execute.

Functionally and conceptually, the control unit 102 includes, for example, (1) property data including location information of a property whose land is to be evaluated, an evaluated area of the property, and attribute information of the property, and a public land or reference land; Announced land/reference land data including details of announced land/reference land having location information, attribute information of said announced land or said reference land, and published land price per unit area of said announced land or said reference land. and, based on the location information in the property data, extracting the announced location/reference location details in which the location information in the announced location/reference location data falls within a predetermined range. A detail extracting unit 102a extracts the announced land/reference land details having the same attribute information as the attribute information in the property data from the announced land/reference land details extracted by (2) the detail extracting means. and (3) the location information and the announced location in the property data from the announced location/reference location details for each property selected by the details selection means.・Details as a detail adoption means that adopts for each property the announced location/reference location detail that provides the shortest distance between the property and the announced location or the reference location, which is calculated based on the position information in the reference location detail. (4) Based on the land price per unit area in the announced land/standard land details for each property adopted by the details hiring means, and the assessed area of the property, (5) the distance calculated by the detail adoption means is equal to or greater than a setting value set in the distance information master; In some cases, a display section 102e is provided as a display means for displaying an alert.

The details extraction unit 102a extracts collateral property registration data 106a including the location information of the property whose land is to be evaluated, the evaluated area of the property, the attribute information of the property, and the position of the announced land or the reference land. Announced land/reference land data including details of announced land/reference land having information, the attribute information of the announced land or the reference land, and the published land price per unit area of the announced land or the reference land. 106b, the details of the announced location/reference location where the location information in the announced location/reference location data 106b falls within a predetermined range with respect to the location information in the collateral property registration data 106a are extracted.

The detail selection unit 102b selects the announced land/reference land details having the same attribute information as the attribute information in the security property registration data 106a for each property from the announced land/reference land details extracted by the detail extraction unit 102a. be selected.

When the attribute information is a stepwise classification regarding the use of the property, the announced land, or the reference land and the distance from the nearest station, the details selection unit 102b selects the announced land extracted by the details extraction unit 102a. - From the reference land details, the public land/reference land details that have the same use as the use in the collateral property registration data 106a and the same classification as the classification in the collateral property registration data 106a are selected as the property. Select for each.

The detail adoption unit 102c uses the location information in the collateral property registration data 106a and the location information in the announced location/reference location details for each property selected by the detail selection unit 102b. The announced location/reference location details that result in the shortest distance between the property and the announced location or reference location calculated based on the above information are adopted for each property.

The assessed value calculation unit 102d calculates the value of the property based on the land price per unit area in the announced land/standard land details for each property adopted by the detail adoption unit 102c and the assessed area of the property. Calculate the land appraisal value for each of the above properties.

The display unit 102e displays an alert when the distance calculated by the specification adoption unit 102c is equal to or greater than the set value set in the set distance information master 106c.

[3. Specific example of processing]
In this item, a specific example of processing according to this embodiment will be described. In this section, we will explain a situation in which a person in charge at a bank, etc., calculates the land appraisal value of a property to be used as collateral when making a loan decision for a home loan.

[3-1. Property location registration]
First, information about the location of the collateral property is registered. The registration may be performed by (1) pointing to collateral property position information from an electronic map screen, or (2) by manually inputting latitude and longitude information by an operator. In this example, it is assumed that latitude and longitude information about three collateral properties is registered. FIG. 2 shows collateral property registration data 106a in which latitude and longitude information is registered. Note that if the latitude and longitude information cannot be registered using either method (1) or (2) above, the latitude and longitude information will be recalculated at the timing of manual location registration, which will be described later.

[3-2. Simple evaluation registration]
Next, a summary of collateral property information is registered (information that serves as an index for land evaluation can be parameterized). Specifically, for the three collateral properties registered in [3-1] above, the evaluated area, area of use, and distance from the nearest station are registered. FIG. 3 shows collateral property registration data 106a in which this information is registered.

[3-3. Automatic evaluation process]
Subsequently, automatic evaluation processing is executed as follows. The details of this process will be explained from the next paragraph, but the outline of this process is as explained from the next sentence.
(Processing overview)
(1) First, the details extracting unit 102a extracts (lists) the details of the announced location/reference location in order of latitude, longitude, and distance from collateral property information.
(2) Next, the detail selection unit 102b performs the following processes (2-1) and (2-2) from the announced location/reference location details extracted (listed) in (1). Select the details of the announced location/standard location.
(2-1) Select the details of the publicized land/standard land in the same usage area as the collateral property information. If there is no similar use zone and no residential area, it will be treated as an error and the evaluation will be switched to manual evaluation.
(2-2) Priority is given to selecting the announced land/standard land details whose distance from the nearest station is equal to the security property information. In other cases, the conditions will not be considered.
(3) Next, from among the details selected in (2), the details adoption unit 102c adopts the details of the announced land/reference land where the distance between the collateral property and the announced land or reference land is close.
(4) Finally, the assessed value calculation unit 102d multiplies the unit price (yen/m ² ) in the announced land/standard land details adopted in (3) by the input assessed area. , calculate the land appraisal value.
(5) Note that the display unit 102e sets a distance alert flag when the distance calculated in (3) is greater than or equal to the set value set in the set distance information master 106c.

(Processing details)
(1) Details extraction process First, the details extraction unit 102a determines whether the latitude and longitude information in the announced location/reference location data 106b is within a predetermined range, with respect to the latitude and longitude information in the collateral property registration data 106a (see FIG. 3). Extract the details of the announced place/reference place belonging to .

Here, belonging to the predetermined range is not particularly limited, but for example, the latitude in the announced place/reference place data 106b is within a range of ±〇〇 degrees relative to the latitude in the collateral property registration data 106a. , and the longitude in the announced location/reference location data 106b is within a range of ±XX degrees with respect to the longitude in the security property registration data 106a. In this example, it is assumed that the details of the announced place/reference place shown in the announced place/reference place data 106b in FIG. 4 are extracted.

(2) Details selection process Next, the details selection unit 102b selects from the details of the announced place/reference place extracted by the details extraction unit 102a in (1).
(2-1) Has the same usage area as the usage area in collateral property registration data 106a, and
(2-2) having the same distance from the nearest station as the distance from the nearest station in the collateral property registration data 106a;
Select the details of the announced location/standard location.

Specifically, it will be explained which announced location/reference location details are selected from the announced location/reference location data 106b in FIG. 4 for the three properties in the collateral property registration data 106a in FIG. 3.

First, the property with property number "PJ0001" in collateral property registration data 106a in FIG. 3 will be explained. As shown in Figure 3, the zone of use for the property is "residential area," and the distance from the nearest station to the property is "within 500 meters." Here, referring to the announced land/reference land data 106b in FIG. 4, the details of the announced land/reference land where the area of use is "residential area" and the distance from the nearest station is "within 500 meters" is , there is only the details of "YY0003". Therefore, the detail selection unit 102b selects the publicized land/reference land detail of "YY0003" for the property with the property number "PJ0001".

Next, the property with the property number "PJ0002" in the collateral property registration data 106a in FIG. 3 will be explained. As shown in FIG. 3, the usage zone of the property is "industrial area" and the distance of the property from the nearest station is "within 1 km". Here, referring to the announced land/reference land data 106b in FIG. 4, the details of the announced land/reference land where the area of use is "industrial area" and the distance from the nearest station is "within 1 km" are as follows: not exist. For this reason, the details selection unit 102b does not select the announced land/reference land details for the property with the property number "PJ0002".

Finally, the property with property number "PJ0003" in collateral property registration data 106a in FIG. 3 will be explained. As shown in FIG. 3, the usage zone of the property is "residential area", and the distance of the property from the nearest station is "1 km or more". Here, referring to the announced land/reference land data 106b in FIG. 4, the details of the announced land/reference land where the area of use is "residential area" and the distance from the nearest station is "1 km or more" are as follows: There is only the details of "XX0001". For this reason, the detail selection unit 102b selects the announced land/reference land detail of "XX0001" for the property with the property number "PJ0003".

(3) Details Adoption Process Next, the details adoption unit 102c selects the latitude and longitude in the collateral property registration data 106a and the The announced location/reference location details that provide the shortest distance between the property and the announced location or the reference location, calculated based on the latitude and longitude in the announced location/reference location details, are adopted for each property.

First, for the property with the property number "PJ0001" in the collateral property registration data 106a in Figure 3, only the announced land/standard land details of "YY0003" are selected, as explained in (2). . For this reason, the details adoption unit 102c adopts the announced land/reference land details of "YY0003" for the property with the property number "PJ0001".

Next, for the property with the property number "PJ0002" in the security property registration data 106a of FIG. 3, the details of the announced land/standard land are not selected, as explained in (2). In this case, the detail adoption unit 102c selects the property, the announced land, or the reference land based on the latitude and longitude "35.67,139.80" of the property with the property number "PJ0002" and the latitude and longitude in the announced land/reference location data 106b. Calculate the distance between. The details adoption unit 102c adopts the announced place/reference place details of "YY0001" where the distance is the smallest from the announced place/reference place data 106b.

Finally, for the property with the property number "PJ0003" in the collateral property registration data 106a in FIG. 3, only the announced land/standard land details of "XX0001" are selected, as explained in (2). There is. For this reason, the details adoption unit 102c adopts the announced land/reference land details of "XX0001" for the property with the property number "PJ0003".

FIG. 6 shows a table summarizing the details of the announced land/standard land (adopted standard land) adopted for each property and the basis for adoption.

(4) Appraisal value calculation process Finally, the appraisal value calculation unit 102d calculates the unit price (yen/m ² ) in the public land/standard land details for each property adopted by the detail adoption unit 102c in (3), and The land evaluation value of the property is calculated for each property by multiplying by the evaluated area of the land.

First, for the property with the property number "PJ0001" in the collateral property registration data 106a in FIG. 3, as explained in (3), the publicized land/standard land details of "YY0003" are adopted. Therefore, the assessed value calculation unit 102d multiplies the unit price of 230,000 yen/m ² in the above-mentioned public land/standard land details of "YY0003" by the assessed area of 80 m ² of the property with property number "PJ0001". Calculate 18,400,000 yen.

Next, as explained in (3), for the property with the property number "PJ0002" in the collateral property registration data 106a in Figure 3, the publicized land/standard land details of "YY0001" are adopted. . Therefore, the appraised value calculation unit 102d multiplies the unit price of 200,000 yen/ ^m2 in the above-mentioned public land/standard land details of "YY0001" by the appraised area of 120 ^m2 of the property with property number "PJ0002". Calculate 24,000,000 yen.

Finally, for the property with property number "PJ0003" in the collateral property registration data 106a in Figure 3, as explained in (3), the publicized land/standard land details of "XX0001" are adopted. . Therefore, the appraised value calculation unit 102d multiplies the unit price of 100,000 yen/m ² in the public land/standard land details of “XX0001” by the appraised area of 100 m ² of the property with property number “PJ0003”. Calculate 10,000,000 yen.

FIG. 7 shows a table summarizing the land evaluation formula for each property and the land evaluation value calculated for each property.

(5) Displaying the evaluation result screen Finally, the display unit 102e displays the automatic evaluation if the distance adopted by the specification adoption unit 102c in (3) is equal to or greater than the set value set in the set distance information master 106c. When displaying the results on the screen, alerts are also displayed.

An example of the screen is shown in FIG. The display unit 102e displays the automatically evaluated (automatically calculated) land evaluation value for each property, as shown in FIG. Here, with respect to the property with property number "PJ0004", suppose that the distance between the property and the announced land or the reference land is 22,000 meters, and the setting value set in the setting distance information master 106c is as shown in FIG. If the distance is 20,000 meters as shown in , the distance of 22,000 meters is greater than the set value of 20,000 meters. In this case, as shown in FIG. 8, the display unit 102e displays a distance alert stating "No public reference point within set distance" for the property with property number "PJ0004".

If there is no problem with the evaluation result (land evaluation value) displayed in FIG. 8, the operator finalizes the evaluation result (land evaluation value). On the other hand, if there is a problem with the evaluation result (land evaluation value) displayed in FIG. 8, the operator can correct the evaluation result (land evaluation value).

[4. Summary of this embodiment]
As described above, according to the land appraised value calculation device 100 according to the present embodiment, the land appraised value of real estate can be calculated as mainly explained in (1) to (4) of [3-3]. can. This has made it possible, for example, to easily and quickly grasp the market value of land appraisal of real estate used as collateral.

Further, according to the land evaluation value calculation device 100 according to the present embodiment, as mainly explained in (5) of [3-3], the distance between the collateral property and the announced land or the reference land is greater than or equal to a predetermined set value, an alert can be displayed.

[5. Contribution to the Sustainable Development Goals (SDGs) led by the United Nations]
This embodiment can contribute to improving business efficiency and promoting appropriate business decisions of companies, and thus can contribute to Goals 8 and 9 of the SDGs.

Furthermore, this embodiment can contribute to reducing waste loss and promoting paperless and electronic systems, making it possible to contribute to Goals 12, 13, and 15 of the SDGs.

Furthermore, this embodiment can contribute to strengthening control and governance, making it possible to contribute to Goal 16 of the SDGs.

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

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 of the processes described as being performed manually can be performed manually. Alternatively, some of the steps can be performed automatically using known methods.

In addition, unless otherwise specified, information including processing procedures, control procedures, specific names, parameters such as registered data and search conditions for each process, screen examples, and database configurations shown in this specification and drawings are included. It can be changed arbitrarily.

Further, regarding the land evaluation value calculation device 100, each illustrated component is functionally conceptual, and does not necessarily need to be physically configured as illustrated.

For example, all or any part of the processing functions provided in the land evaluation value calculation device 100, particularly each processing function performed by the control unit, may be realized by a CPU and a program interpreted and executed by the CPU. Alternatively, it may be realized as hardware using wired logic. Note that the program is recorded on a non-temporary computer-readable recording medium that includes programmed instructions for causing the information processing device to execute the processing described in this embodiment, and the land appraised value is calculated as necessary. It is mechanically read by the calculation device 100. That is, a storage unit such as a ROM or an HDD (Hard Disk Drive) stores a computer program that cooperates with an OS to give instructions to a CPU and perform various processes. This computer program is executed by being loaded into the RAM, and constitutes a control unit in cooperation with the CPU.

Further, this computer program may be stored in an application program server connected to the land evaluation value calculation device 100 via an arbitrary network, and all or part of it may be downloaded as necessary. It is possible.

Further, a program for executing the processing described in this embodiment may be stored in a non-temporary computer-readable recording medium, or may be configured as a program product. Here, this "recording medium" includes a memory card, a USB (Universal Serial Bus) memory, an SD (Secure Digital) card, a flexible disk, a magneto-optical disk, a ROM, an EPROM (Erasable Programmable Read Only Memory), and an EEPR. OM (registration) Trademark) (Electrically Erasable and Programmable Read Only Memory), CD-ROM (Compact Disk Read Only Memory), MO (Magneto-Optical disk), DVDs (Digital Versatile Discs), Blu-ray (registered trademark) Discs, etc. shall include any “portable physical medium”.

Further, a "program" is a data processing method written in any language or writing method, and does not matter in the form of source code or binary code. Note that a "program" is not necessarily limited to a unitary structure, but may be distributed as multiple modules or libraries, or may work together with separate programs such as an OS to achieve its functions. Including things. Note that well-known configurations and procedures can be used for the specific configuration and reading procedure for reading the recording medium in each device shown in the embodiments, and the installation procedure after reading.

The various databases stored in the storage unit are storage devices such as memory devices such as RAM and ROM, fixed disk devices such as hard disks, flexible disks, and optical disks, and are used for various processing and website provision. Stores programs, tables, databases, web page files, etc.

Furthermore, the land evaluation value calculation 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 with any peripheral device. Moreover, the land evaluation value calculation device 100 may be realized by installing software (including a program, data, etc.) that causes the device to realize the processing described in this embodiment.

Furthermore, the specific form of dispersion and integration of devices is not limited to what is shown in the diagram, and all or part of them can be functionally or physically divided into arbitrary units according to various additions or functional loads. It can be configured in a distributed/integrated manner. That is, the embodiments described above may be implemented in any combination, or the embodiments may be implemented selectively.

INDUSTRIAL APPLICATION This invention is useful, for example in the industry|industry which performs the business of simply calculating the assessed value of real estate (land, a building, etc.), and is especially useful in the financial industry.

100 Land appraisal value calculation device 102 Control unit
102a Details extraction part
102b Details selection section
102c Specification Recruitment Department
102d Appraisal value calculation department
102e Display section 104 Communication interface section 106 Storage section
106a Collateral property registration data
106b Announced location/standard location data
106c Setting distance information master 108 Input/output interface unit 112 Input device 114 Output device 200 Server 300 Network

Claims (4)

A land appraisal value calculation device comprising a control unit,
The control unit includes:
Land is evaluated in stages according to (1) location information of the property, (2) assessed area of the property , (3) purpose of the property, and (4) distance from the property's nearest station. Based on the property data including the combination with the classification ,
It is set in stages according to (A) location information of the announced land or reference land, (B) purpose of the announced land or reference land, and (C) distance from the nearest station of the announced land or reference land. The location of the property from among the public land /standard land data including the public land/standard land details that have a combination of the classification and (D) the published land price per unit area of the public land or standard land. A detail extracting means for extracting details of the announced place/reference place whose location information of the announced place or reference place falls within a predetermined range from the information;
For each property, from among the published land/standard land details extracted by the details extraction means , the published land/standard land details that have the same use as the property and have the same classification as the above classification of the property. a detailed selection means for selecting the
For each property, from among the details of the announced land/standard land selected by the detailed selection means, the property and the announced land or base are calculated based on the location information of the property and the position information of the announced land or reference land. A means for adopting details of the announced place/standard place that provides the shortest distance to the quasi-place;
For each property, calculate the land appraisal value of the property by multiplying the land price per unit area in the published land/standard land details adopted by the above-mentioned details adoption method by the assessed area of the property. Appraisal value calculation means to
to have
A land evaluation value calculation device characterized by: The control unit includes:
further comprising display means for displaying an alert when the distance calculated by the detail adoption means is equal to or greater than a set value set in a distance information master;
The land evaluation value calculation device according to claim 1, characterized by: A land evaluation value calculation method executed by an information processing device including a control unit, the method comprising:
executed by the control unit,
Land is evaluated in stages according to (1) location information of the property, (2) assessed area of the property , (3) purpose of the property, and (4) distance from the property's nearest station. Based on the property data including the combination with the classification ,
It is set in stages according to (A) location information of the announced land or reference land, (B) purpose of the announced land or reference land, and (C) distance from the nearest station of the announced land or reference land. The location of the property from among the public land /standard land data including the public land/standard land details that have a combination of the classification and (D) the published land price per unit area of the public land or standard land. a details extraction step of extracting details of the announced place/reference place whose location information of the announced place or reference place falls within a predetermined range from the information;
For each property, from among the announced land/standard land details extracted in the detailed extraction step , the announced land/standard land details that have the same use as the property and have the same classification as the above classification of the property. an item selection step for selecting the
For each property, from among the announced location/standard location details selected in the details selection step, the property and announced location or base location are calculated based on the location information of the property and the location information of the announced location or reference location. a detailed adoption step of adopting the announced place/standard place details that have the shortest distance to the quasi-place;
For each property, calculate the land appraisal value of the property by multiplying the land price per unit area in the public land/standard land details adopted in the details adoption step by the assessed area of the property. an evaluation value calculation step;
including;
A land evaluation value calculation method characterized by: A land evaluation value calculation program to be executed by an information processing device including a control unit,
for the control unit to execute,
Land is evaluated in stages according to (1) location information of the property, (2) assessed area of the property , (3) purpose of the property, and (4) distance from the property's nearest station. Based on the property data including the combination with the classification ,
It is set in stages according to (A) location information of the announced land or reference land, (B) purpose of the announced land or reference land, and (C) distance from the nearest station of the announced land or reference land. The location of the property from among the public land /standard land data including the public land/standard land details that have a combination of the classification and (D) the published land price per unit area of the public land or standard land. a details extraction step of extracting details of the announced place/reference place whose location information of the announced place or reference place falls within a predetermined range from the information;
For each property, from among the announced land/standard land details extracted in the detailed extraction step , the announced land/standard land details that have the same use as the property and have the same classification as the above classification of the property. an item selection step for selecting the
For each property, from among the announced location/standard location details selected in the details selection step, the property and announced location or base location are calculated based on the location information of the property and the location information of the announced location or reference location. a detailed adoption step of adopting the announced place/standard place details that have the shortest distance to the quasi-place;
For each property, calculate the land appraisal value of the property by multiplying the land price per unit area in the public land/standard land details adopted in the details adoption step by the assessed area of the property. an evaluation value calculation step;
including;
A land evaluation value calculation program featuring:

Images