This process invention enables home loans to become a financial product. It does this by establishing the borrower’s risk tolerance related to their budget after initial loan approval of a variable interest rate loan. It identifies when a borrower should fix their loan’s interest rate. This process enables financial advisors to develop and use financial technology solutions to interest rate risk management plus negative equity risk management matrix systems as to the best method to repay negative equity in housing as part of financial advice.

摘要

#$%^&*AU2020102287A420201029.pdf#####8 ABSTRACT 1.The present invention provides for a system and method of a better home loan interest rate management. The system and method aids in allowing house loans to become a financial product requiring advice. It is an essential innovation in business processes to allow financial technology solutions to interest rate risk management to operate. 2.. Thus, the present invention envisages providing a method that would prevent borrowers with variable interest rates getting into mortgage stress when variable interest rate home loan interest rates increase. It also allows a financial advisor to advise housing loans clients in negative equity due to housing market corrections to determine the likely repayment period of negative equity if the housing loan interest rate is fixed. Due to this business process innovation financial advisors will be able to develop a negative equity risk management matrix system. It is an essential innovation in business processes to allow financial technology solutions to interest rate risk management to operate and consequently a negative equity risk management matrix system.i I2* 08 fltS MPII11WY ~tr Of