JP7535008B2 - Rental property evaluation device, rental property evaluation method, and rental property evaluation program - Google Patents

Description

The present invention relates to a rental property appraisal device, a rental property appraisal method, and a rental property appraisal program.

For example, in the financial industry, it is necessary to recalculate the current value of rental real estate (income-generating properties) that are used as collateral. For example, Patent Document 1 discloses a system for calculating the current value of rental real estate.

JP 2015-191648 A

However, the above-mentioned Patent Document 1 does not state anything about reducing the management burden when loans are secured by rental real estate.

The present invention has been made in consideration of the above, and aims to provide a rental property appraisal device, a rental property appraisal method, and a rental property appraisal program that can reduce the management burden when lending using rental property as collateral.

In order to solve the above problems and achieve the objective, the present invention is a rental property appraisal device equipped with a control unit, characterized in that it comprises: an acquisition means for acquiring rental property data in which an overview including the appraisal value of each rental property is registered; a property registration means for registering security right registration data in which the rent at full occupancy is added to the rental property data; a reassessment processing means for acquiring a revised appraisal value using the rent at full occupancy in the security right registration data; and an apportionment processing means for apportioning the debt balance based on the acquired appraisal value to calculate the debt balance for each rental property.

According to one aspect of the present invention, the apportionment processing means may further calculate at least one of the LTV (Life Time Value), the principal repayment amount, and the interest paid (contract rate) based on the outstanding debt balance for each rental property.

According to one aspect of the present invention, the acquisition means may acquire the rental property data from a real estate collateral system, and the reassessment processing means may cause the real estate collateral system to reassess the assessed value and acquire the reassessed value from the real estate collateral system.

According to one aspect of the present invention, the rental property data may include the property number, building number, prefecture, city, town, ward, block, distance from station (walking distance), use, structure, construction date, annual rent, other income, depreciation, repair costs, capitalization rate, and assessed value.

In order to solve the above-mentioned problems and achieve the object, the present invention provides a rental property appraisal method executed by an information processing device equipped with a control unit, characterized in that it includes an acquisition step executed by the control unit to acquire rental property data in which an overview including the appraisal value of each rental property is registered, a property registration step to register security right registration data in which the rent at full occupancy is added to the rental property data, a reconciliation processing step to acquire a revised appraisal value using the rent at full occupancy in the security right registration data, and an apportionment processing step to calculate the debt balance for each rental property by apportioning the debt balance based on the acquired appraisal value.

In order to solve the above-mentioned problems and achieve the object, the present invention provides a rental property appraisal program to be executed by an information processing device having a control unit, the control unit comprising:
The program is characterized by being a rental real estate appraisal program that executes the following steps: an acquisition step of acquiring rental property data that registers an overview including the appraisal amount for each rental property; a property registration step of registering security right registration data in which the rent at the time of full occupancy has been added to the rental property data; a reconciliation processing step of acquiring a revised appraisal amount using the rent at the time of full occupancy in the security right registration data; and an apportionment processing step of apportioning the debt balance based on the acquired appraisal amount to calculate the debt balance for each rental property.

The present invention has the effect of reducing the management burden when lending using rental real estate as collateral.

FIG. 1 is a block diagram showing an example of the configuration of a business income and expenditure system according to the present embodiment. FIG. 2 is a diagram showing a flow for explaining the overall processing flow of the business income and expenditure system and real estate mortgage system according to the present embodiment. FIG. 3 is a diagram for explaining a specific example of the processing of the business income and expenditure system and the real estate mortgage system according to the present embodiment. FIG. 4 is a diagram for explaining a specific example of the processing of the business income and expenditure system and real estate mortgage system according to the present embodiment. FIG. 5 is a diagram for explaining a specific example of the processing of the business income and expenditure system and real estate mortgage system according to the present embodiment. FIG. 6 is a diagram for explaining a specific example of the processing of the business income and expenditure system and real estate mortgage system according to the present embodiment. FIG. 7 is a diagram for explaining a specific example of the processing of the business income and expenditure system and real estate mortgage system according to the present embodiment.

The embodiment of the present invention will be described in detail with reference to the drawings. Note that the present invention is not limited to this embodiment.

[1. Overview]
For example, in the financial industry, there is a need to recalculate the fair value of rental real estate (income-generating properties) that is used as collateral.

However, reviewing the fair value of rental real estate loans in risk management has become a cumbersome task. Specifically, the review of fair value of rental real estate loans in risk management (valuation work) could not be automated, so revaluations were conducted every year, imposing a huge administrative burden.

In this embodiment, the rental property loan information is accumulated to seamlessly link with the appraisal work (review of real estate collateral) and the latest market value of the rental property loan is calculated, thereby realizing the efficiency of the loan work. Previously, it was not possible to recalculate the market value of rental property loans, but in this embodiment, recalculation is possible by managing the rental property. This reduces the management burden when rental property is used as collateral. The rental property appraisal device of this embodiment can be suitably used in industries that manage real estate collateral for real estate rental loans.

2. Configuration
An example of a business balance system (also called a "rental real estate appraisal device") according to this embodiment will be described with reference to Fig. 1. Fig. 1 is a block diagram showing an example of the configuration of a business balance system (rental real estate appraisal device) according to this embodiment. In Fig. 1, a business balance system 100 includes a control unit 102, a communication interface unit 104, a storage unit 106, and an input/output interface unit 108. Each unit included in the business balance system 100 is connected to be able to communicate with each other via an arbitrary communication path.

The communication interface unit 104 communicatively connects the business income and expenditure system 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 communicatively connecting the business income and expenditure system 100 to the real estate mortgage system 400, the server 200, etc., and is, for example, the Internet or a LAN (Local Area Network).

An input device 112 and an output device 114 are connected to the input/output interface unit 108. The output device 114 may be a monitor (including a home television), a speaker, or a printer. The input device 112 may be a keyboard, a mouse, a microphone, or a monitor that works with a mouse to provide a pointing device function. In the following, the output device 114 may be referred to as the monitor 114.

The storage unit 106 stores various databases, tables, files, and the like. The storage unit 106 records computer programs that work with the OS (Operating System) to give commands to the CPU (Central Processing Unit) to perform various processes. The storage unit 106 can be, 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, or an optical disk. The storage unit 106 also includes a data file 106a.

Data file 106a is a file for storing various data.

Returning to FIG. 1, the control unit 102 is a CPU or the like that provides overall control of the business income and expenditure system 100. The control unit 102 has an internal memory for storing control programs such as an OS, programs that define various processing procedures, required data, etc., and executes various information processing based on these stored programs. In terms of functional concept, the control unit 102 includes a linking unit (acquisition unit) 102a, a property registration unit 102b, a reconciliation processing unit 102c, an apportionment processing unit 102d, a confirmation processing unit 102e, and a screen display control unit 102f.

The linking unit (acquisition unit) 102a acquires rental property data that includes an overview of each rental property, including the assessed value, and stores the data in a data file 106a. The linking unit (acquisition unit) 102a may, for example, link with a real estate collateral system 400 and acquire rental property data from the real estate collateral system 400.

The rental property data may include property number, building number, prefecture CD, prefecture name, city/ward/town/village CD, city/ward/town/village name, block/district CD, block/district name, distance from station (walking distance), use, structure, construction date, annual rent, other income, depreciation, repair costs, capitalization rate, and assessed value.

The property registration unit 102b generates security right registration data that adds the rent when the property is fully occupied to the rental property data, and registers the data in the data file 106a.

The reassessment processing unit 102c uses the rent at full occupancy in the security right registration data to obtain a reassessed valuation amount. The reassessment processing unit 102c may cooperate with the real estate collateral system 400 to reassess the valuation amount and obtain the reassessed valuation amount in the real estate collateral system 400.

The allocation processing unit 102d calculates the debt balance for each rental property by allocating the debt balance based on the appraisal amount obtained by the reconciliation processing unit 102c. The allocation processing unit 102d may further calculate at least one of the LTV (Life Time Value), the principal repayment amount, and the interest paid (contract rate) based on the debt balance for each rental property.

The confirmation processing unit 102e extracts property registration data registered in the data file 106a that meets the specified extraction conditions in response to, for example, an operator's operation on the data output screen (see FIG. 7) displayed on the monitor 114, and outputs the property registration data as property summary data.

The screen display control unit 102f controls, for example, the display of various screens (e.g., automatic washing process screen, data output screen, etc.) displayed on the monitor 114 and the reception of input therefor.

3. Specific Examples
A specific example of the processing of the business balance system 100 according to the present embodiment will be described with reference to Fig. 1 to Fig. 7. Fig. 2 is a diagram showing a flow for explaining the overall processing flow of the business balance system 100 according to the present embodiment. Figs. 3 to 7 are diagrams showing sample data for explaining a specific example of the processing of the control unit of the business balance system 100 according to the present embodiment.

(3-1. Overall processing)
Referring to FIG. 2, an outline of the overall processing flow of the business income and expenditure system 100 and the real estate mortgage system 400 will be described.

The real estate collateral system 400 registers the property (step S1). Specifically, the real estate collateral system 400 registers information about the collateral property in an evaluation table, an investigation and appraisal table, and a revenue return information table.

The linking unit 102a of the business income and expenditure system 100 links with the real estate collateral system 400 to obtain rental property data (rental property table) (step S2).

The property registration unit 102b of the business income and expenditure system 100 registers the information required for the rental property data (e.g., branch number, account number, outstanding debt, rent when fully occupied) and generates the security right registration data (step S3).

The reconciliation processing unit 102c of the business income and expenditure system 100 sets the conditions for automatic reconciliation in response to the operator's operations on the automatic reconciliation processing screen displayed on the monitor 114, cooperates with the real estate collateral system 400, automatically reconciles the current market value using the fully occupied rent in the real estate collateral system 400, and obtains the calculated result (current market value) from the real estate collateral system 400 (step S4).

The allocation processing unit 102d of the business income and expenditure system 100 executes a balance allocation process, and uses the calculated current market value to allocate the debt balance and calculate the debt balance for each property (step S4). The allocation processing unit 102d also calculates the principal repayment amount, interest paid (contract rate), and LTV based on the calculated debt balance.

The confirmation processing unit 102e executes a confirmation process, and extracts property registration data registered in the data file 106a that matches the specified extraction conditions in response to, for example, an operator's operation on the data output screen (see FIG. 7) displayed on the monitor 114, and displays and outputs the property summary data.

(Sample data)
Next, specific examples of the processing of the business income and expenditure system 100 and the real estate mortgage system 400 according to this embodiment will be described with reference to sample data in FIGS.

(Property registration S1)
The real estate collateral system 400 registers information on the collateral property in an evaluation table, an investigation and appraisal table, and an income return information table. Fig. 3 is a diagram for explaining property registration in the real estate collateral system.

Figure 3 (A) shows an example of an evaluation table, Figure 3 (B) shows an example of an appraisal/investigation table, and Figure 3 (C) shows an example of a revenue return information table.

The evaluation table (Key: evaluation reception number) may include the evaluation reception number, property number, prefecture CD, prefecture name, city/ward/town/village CD, city/ward/town/village name, street/district CD, and street/district name, as shown in FIG. 3(A).

In the example of the evaluation table shown in FIG. 3(A), the first line has the evaluation reception number "112180000001", the property number "100000001000", the prefecture CD "13", the prefecture name "Tokyo", the city/ward/town/village CD "102", the city/ward/town/village name "Chuo-ku", the town/village CD "004002", and the town/village name "Kyobashi 2-chome", and the second line has the evaluation reception number "112180000002", the property number "100000002000", the prefecture CD "13", the prefecture name "Tokyo", the city/ward/town/village CD "102", the city/ward/town/village name "Chuo-ku", the town/village CD "012001", and the town/village name "Nihonbashi 1-chome".

The survey and calculation table (Key: evaluation reception number, building number) may include data such as evaluation reception number, building number, distance from the station (walking distance), use, structure, and construction date, as shown in Figure 3 (B).

In the example of the survey and calculation table shown in Figure 3 (B), the first line has the evaluation reception number "112180000001," the building number "1," the distance from the station (walking distance) "10," the use "residential," the structure "wooden," and the date of construction "2019/01/01," and the second line has the evaluation reception number "112180000002," the building number "1," the distance from the station (walking distance) "15," the use "residential," the structure "steel-framed," and the date of construction "2018/12/20."

The income return building information table (Key: evaluation reception number, building number) may include the evaluation reception number, building number, A. annual rent, B. other income, C. depreciation, D. repair costs, return rate, F. security deposit, and appraisal value, as shown in Figure 3 (C).

In the example of the income return building information table shown in Figure 3 (C), the first row has the evaluation reception number "112180000001", building number "1", A. Annual rent "12,480,000", B. Other income "2,400,000", C. Depreciation expense "2,004,000", D. Repair expenses "2,680,000", E. Capitalization rate "5.50", F. Security deposit "1,248,000", value "184,133,818", and the second row has the evaluation reception number "112180000002", building number "1", A. Annual rent "16,835,000", B. Other income "1,300,000", C. A. Depreciation expense: 2,034,000; B. Repair expenses: 3,450,000; C. Capitalization rate: 7.00; D. Security deposit: 1,683,500; Value: 180,728,571.

The formula for calculating the valuation amount is as follows:
[1] Annual gross income = A. Annual rent + B. Other income [2] Annual total expenses = C. Depreciation + D. Repair expenses [3] Annual net income = [1] Annual gross income - [2] Annual total expenses [4] Revenue price = [3] Annual net income ÷ (E. Capitalization rate / 100)
Valuation amount = [4] Revenue price - F. Calculated using security deposit. However, if valuation amount < 0, valuation amount = 0.

The property number, prefecture CD, prefecture name, city/ward/town/village CD, city/ward/town/village name, town/district CD, and town/district name from the evaluation table, the building number, distance from station (walking distance), use, structure, and construction date from the survey/calculation table, and A. annual rent, B. other income, C. depreciation, D. repair costs, capitalization rate, and appraisal value from the income/loss building information table are linked to the business income/expense system 100.

(Link with real estate mortgage system 400 S2)
The business income and expenditure system 100 cooperates with the real estate mortgage system 400 to obtain rental property data (table) (step S2).

Figure 4 (A) shows an example of rental property data. As shown in Figure 4, the rental property data (Key: property number) may include property number, building number, prefecture CD, prefecture name, city/ward/town/village CD, city/ward/town/village name, block/district CD, block/district name, distance from station (walking distance), use, structure, construction date, annual rent, other income, depreciation, repair costs, capitalization rate, and assessed value. Data for these items is obtained in conjunction with the evaluation table, appraisal/survey table, and income capitalization information table of the real estate collateral system 400.

(Property registration S3)
The business income and expenditure system 100 registers the information required for the rental property data (branch number, account number, outstanding debt, rent when fully occupied) and generates security right registration data (step S4).

As shown in Figure 4 (B), the collateral property registration data may include the following data: property number, building number, prefecture CD, prefecture name, city/ward/town/village CD, city/ward/town/village name, block/district CD, block/district name, distance from station (walking distance), use, structure, construction date, annual rent, other income, depreciation, repair costs, capitalization rate, assessed value, branch number, account number, outstanding debt, and rent when fully occupied.

Collateral property registration data includes rental property data plus branch number, account number, outstanding debt, and rent when fully occupied.

In the example of collateral property registration data shown in FIG. 4 (B), property number "100000001000" has branch number "100," account number "1000001," outstanding debt "114,200,000," and rent when fully occupied "10,000,000," while property number "100000002000" has branch number "100," account number "1000001," outstanding debt "135,800,000," and rent when fully occupied "17,000,000."

(Automatic washing process S4)
The business income and expenditure system 100 sets the conditions for automatic re-clearing in response to the operator's operations on the automatic re-clearing processing screen displayed on the monitor 114, causes the real estate collateral system 400 to execute the automatic re-clearing processing based on the set conditions, and obtains the calculated result (current market value) from the real estate collateral system 400.

Figure 5 (A) shows an example of the automatic re-wash processing screen. The automatic re-wash processing screen has an input field for the re-wash date, an input field for the extraction conditions of the store number and customer number, and an execute button. When the extraction conditions of the re-wash date, store number, and customer number are entered and the execute button is pressed, the data (rent at full occupancy) is linked to the real estate collateral system 400, and the real estate collateral system 400 automatically re-washes the current market valuation according to the set conditions. In the example shown in the figure, the re-wash date is "2021/2/10", the store number is "000-999", and the customer number is "0000000-9999999".

The real estate collateral system 400 automatically calculates the current market value using the fully occupied rent registered in the business income and expenditure system 100.

The fair value is calculated as follows:
(1) Annual total income Rent at full occupancy from the secured property registration data = Annual total income (2) Annual total expenses (1) Annual total income x Expense ratio / 100 = Annual total expenses (3) Annual net income (1) Annual total income - (2) Annual total expenses = Annual net income (4) Revenue price (3) Annual net income ÷ (Capitalization rate (%) from secured property registration data / 100) = Revenue price (5) Market value (4) Revenue price - (annual) security deposit from secured property registration data = Market value

Figure 5 (B) shows an example of calculations, in which the property number, building number, rent at full occupancy, expense ratio, annual total expenses, annual net income, capitalization rate, income price, security deposit, and fair value are calculated.

The real estate collateral system 400 re-links the current market value after the calculation process to the business income and expenditure system 100. FIG. 5(C) shows the current market value after the calculation process. In the example shown in FIG. 5(C), the property number is "100000001000", the building number is "1", the current market value is "126,872,727", the property number is "100000002000", the building number is "1", and the current market value is "169,400,000".

(Balance allocation process S5)
The business income and expenditure system 100 calculates the debt balance for each property by apportioning the debt balance based on the current market value of the property (also called the "income capitalization value") calculated by the automatic reclassification process, and also
Based on the calculated debt balance, the principal repayment amount, interest paid (contract rate), and LTV are calculated, and these data are added to the collateral property registration data and stored as property registration data in the data file 106a.

Figure 6 (A) shows an example of the latest loan balance information. Figure 6 (B) shows an example of the previous loan balance information. Figure 6 (C) shows an example of property registration data before calculation.

The LTV is calculated as follows.
LTV = (Outstanding debt/Market value) x 100
In the case of property number 100000001000, the LTV = (126,872,727/114,200,000) x 100 = 70%.

The debt balance, principal repayment amount, and interest paid are calculated as follows:
(1) Total income capitalization valuation amount by account = Aggregation of the market value valuation for each branch number and account number registered in the property registration data. This is a calculation item and is not stored in the table.
(2) Debt balance for each property = Debt balance x (Fair value of property registration data / (1))
(3) Principal repayment amount = previous debt balance - (2)
(4) Interest paid (contract rate) = (2) x contract interest rate

In the case of property number 100000002000, since it is linked to two accounts, the sum of the debt balances calculated for each account is the debt balance for the property.

If the branch number is "100" and the account number is "1000001", the result will be as follows.
(1) Total income tax assessment amount by account = 126,872,727 + 169,400,000 = 296,272,727
(2) Outstanding debt (Property No. "100000001000") = 180,000,000 x (169,400,000/296,272,727) = 102,780,000
(2') Balance of debt (Property No. "100000002000") = 180,000,000 - 102,780,000 = 77,220,000

If the branch number is "100" and the account number is "1000002", the result will be as follows.
(1) Total income tax assessment by account = 169,400,000
(2') Outstanding debt = 40,000,000 x (169,400,000/169,400,000) = 40,000,000

(2) Balance of debt per property = 77,220,000 + 40,000,000 = 117,220,000
(3) Principal repayment amount = 135,800,000 - 117,220,000 = 18,580,000
(4) Interest paid (contract rate) = 18,580,000 x 1.5% = 278,700

The property registration data after the calculation is as shown in FIG. 6(D). In the example shown in FIG. 6(D),
In the case of property number "100000001000", the market value is "126,872,727", branch number 1 "100", account number 1 "1000001", debt balance "102,780,000", and LTV "81%". In the case of property number "100000002000", the debt balance is "169,400,000", branch number 1 "100", account number 1 "1000001", branch number 2 "100", account number 2 "1000002", debt balance "117,220,000", and LTV "69%". In the case of property number "100000001000", the LTV exceeds 80%, so caution is required.

(Confirmation process S6)
The confirmation processing unit 102e executes a confirmation process, for example, extracts property registration data registered in the data file 106a that meets the specified extraction conditions in response to an operator's operation on the data output screen (see FIG. 7) displayed on the monitor 114, and displays and outputs the property registration data as property summary data. The property summary data is output to determine whether there is any effect on the loan status after updating. For example, it is confirmed whether the LTV exceeds 80%.

Figure 7 (A) shows an example of the data output screen. The data output screen has a field for specifying the target data, a field for inputting extraction conditions such as store number, customer number, property number, and LTV range (%), and an output button. When the extraction conditions are specified and the output button is pressed, the property registration data registered in data file 106a is extracted and displayed as property summary data. Figure 7 (B) is a diagram showing an example of the output of property summary data.

As described above, according to this embodiment, there are provided a linking unit 102a that acquires rental property data that registers an overview including the assessed value of each rental property, a property registration unit 102b that registers security right registration data in which the rent at full occupancy is added to the rental property data, a reassessment processing unit 102c that acquires an assessed value obtained by reassessing the assessed value using the rent at full occupancy in the security right registration data, and an allocation processing unit 102d that calculates the debt balance for each rental property by apportioning the debt balance based on the acquired assessed value, thereby making it possible to reduce the management burden when lending using rental real estate as collateral.

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

In addition, this embodiment can contribute to reducing waste and promoting paperless and electronic systems, which can contribute to the achievement of SDGs goals 12, 13, and 15.

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

5. Other embodiments
The present invention may be embodied in various different embodiments other than those described above within the scope of the technical concept set forth 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 or part of the processes described as being performed manually can be performed automatically using a known method.

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

Furthermore, with regard to the business income and expenditure system 100, each component shown in the figure is a functional concept, and does not necessarily have to be physically configured as shown in the figure.

For example, the processing functions of the business income and expenditure system 100, particularly the processing functions performed by the control unit 102, may be realized in whole or in part by a CPU and a program interpreted and executed by the CPU, or may be realized as hardware using wired logic. The program is recorded on a non-transient computer-readable recording medium that contains programmed instructions for causing the information processing device to execute the processes described in this embodiment, and is mechanically read by the business income and expenditure system 100 as necessary. That is, a computer program for giving instructions to the CPU in cooperation with the OS and performing various processes is recorded in the storage unit 106, such as a ROM or HDD (Hard Disk Drive). This computer program is executed by being loaded into RAM, and cooperates with the CPU to form the control unit 102.

This computer program may also be stored in an application program server connected to the business income and expenditure system 100 via any network, and may be downloaded in whole or in part as needed.

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

A "program" is a data processing method written in any language or description method, and may be in any format, such as source code or binary code. Note that a "program" is not necessarily limited to a single configuration, but also includes a distributed configuration consisting of multiple modules or libraries, and a program that works in conjunction with a separate program, such as an OS, to achieve its function. Note that the specific configuration and reading procedure for reading a recording medium in each device shown in the embodiments, as well as the installation procedure after reading, can use well-known configurations and procedures.

The various databases stored in the memory unit 106 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 store various programs, tables, databases, and web page files used for various processes and providing websites.

The business income and expenditure system 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 to which any peripheral device is connected. The business income and expenditure system 100 may be realized by implementing software (including programs or data, etc.) that causes the information processing device to realize the processing described in this embodiment.

Furthermore, the specific form of distribution and integration of the devices is not limited to that shown in the figures, and all or part of them can be functionally or physically distributed and integrated in any unit depending on various additions or function additions. In other words, the above-mentioned embodiments can be implemented in any combination, or the embodiments can be implemented selectively.

100 Business income and expenditure system 102 Control unit 102a Collaboration unit (acquisition unit)
102b Property registration unit 102c Replacement processing unit 102d Pro rata division processing unit 102e Confirmation processing unit 102f Screen display control unit 104 Communication interface unit 106 Storage unit 106a Data file 108 Input/output interface unit 112 Input device 114 Output device 200 Server 300 Network 400 Real estate mortgage system

Claims (6)

A rental real estate appraisal device having a control unit,
An acquisition means for acquiring rental property data in which an overview including the assessed value of each rental property is registered;
a property registration means for registering security right registration data in which the rent at the time of full occupancy is added to the rental property data;
A reassessment processing means for acquiring a reassessed value by using the rent at full occupancy in the security right registration data;
an apportionment processing means for apportioning the outstanding debts based on the acquired appraisal value to calculate the outstanding debts for each rental property;
A rental real estate appraisal device comprising: The rental property appraisal device according to claim 1, characterized in that the apportionment processing means further calculates at least one of the LTV (Life Time Value), the principal repayment amount, and the interest paid (contract rate) based on the outstanding debt balance for each rental property. The acquisition means acquires the rental property data from a real estate mortgage system,
3. The rental property appraisal device according to claim 1, wherein said reassessment processing means causes said real estate collateral system to reassess the appraised amount and acquires the reassessed amount from said real estate collateral system. The rental property evaluation device according to any one of claims 1 to 3, characterized in that the rental property data includes the property number, building number, prefecture, city, town, ward, town, block, distance from the station (walking distance), use, structure, construction date, annual rent, other income, depreciation, repair costs, capitalization rate, and appraisal value. A rental real estate appraisal method executed by an information processing device having a control unit,
Executed in the control unit,
An acquisition step of acquiring rental property data in which an overview including an appraised value of each rental property is registered;
a property registration process for registering security right registration data in which the rent at the time of full occupancy is added to the rental property data;
A reassessment process step of acquiring a reassessed value by using the rent at full occupancy in the secured property registration data;
an apportionment process step of calculating the debt balance for each rental property by apportioning the debt balance based on the acquired appraisal value;
A rental real estate appraisal method comprising: A rental real estate appraisal program to be executed by an information processing device having a control unit,
In the control unit,
An acquisition step of acquiring rental property data in which an overview including an appraised value of each rental property is registered;
a property registration process for registering security right registration data in which the rent at the time of full occupancy is added to the rental property data;
A reassessment process step of acquiring a reassessed value by using the rent at full occupancy in the secured property registration data;
an apportionment process step of calculating the debt balance for each rental property by apportioning the debt balance based on the acquired appraisal value;
Rental property appraisal program to carry out.

Images