首页> 外国专利> LOAN-CONTRACT REPAYMENT CONDITION UPDATING DEVICE, REPAYMENT CONDITION UPDATING PROGRAM, AND REPAYMENT CONDITION UPDATING METHOD

LOAN-CONTRACT REPAYMENT CONDITION UPDATING DEVICE, REPAYMENT CONDITION UPDATING PROGRAM, AND REPAYMENT CONDITION UPDATING METHOD

机译:贷款合同偿还条件更新装置,偿还条件更新程序和偿还条件更新方法

摘要

PROBLEM TO BE SOLVED: To provide a loan-contract repayment condition updating device for automatically updating a loan repayment condition in consideration for preventing an interest-rate variation from causing a substantially heavier repayment burden on a debtor of a variable-interest loan in any phase of increasing and decreasing interest rates.;SOLUTION: A repayment condition is configured to be automatically updated so as not to increase a substantial repayment burden on a debtor at each point in time by setting a part of a contract condition at a time of loan contract as a reference value for re-calculating the repayment condition at an interest rate variation, and changing the reference value to be fixed in re-calculating the repayment condition depending on whether an applied interest rate has increased or decreased since the time of contract. The applied interest rate at the time of contract is compared with an applied-interest rate after the variation (S07). An amount of each repayment is fixed to extend a repayment period if the applied interest rate has increased (S08 through S10). The repayment period is fixed to reduce the amount of each repayment if the applied interest rate has decreased (S11 and S12).;COPYRIGHT: (C)2013,JPO&INPIT
机译:解决的问题:提供一种贷款合同还款条件更新设备,该设备自动考虑到防止利率变化在任何阶段对可变利率贷款的债务人造成相当大的还款负担而自动更新贷款还款条件。解决方案:将还款条件配置为自动更新,以便在贷款合同时设置一部分合同条件,从而在每个时间点都不增加债务人的实质性还款负担作为基准值,用于在利率变化时重新计算还款条件,并根据自合同签订之日起所应用的利率是增加还是降低,来改变在重新计算还款条件时固定的参考值。将合同时的适用利率与变更后的适用利率进行比较(S07)。如果所应用的利率增加了,则每笔还款的金额是固定的,以延长还款期限(S08至S10)。固定还款期限,以减少所应用的利率降低的每个还款额(S11和S12)。;版权:(C)2013,JPO&INPIT

著录项

  • 公开/公告号JP2012221484A

    专利类型

  • 公开/公告日2012-11-12

    原文格式PDF

  • 申请/专利权人 ASAHI HOLDINGS:KK;

    申请/专利号JP20110132897

  • 发明设计人 YAMANAKA SEIJI;

    申请日2011-06-15

  • 分类号G06Q40/02;

  • 国家 JP

  • 入库时间 2022-08-21 17:01:48

相似文献

  • 专利
  • 外文文献
  • 中文文献
获取专利

客服邮箱:kefu@zhangqiaokeyan.com

京公网安备:11010802029741号 ICP备案号:京ICP备15016152号-6 六维联合信息科技 (北京) 有限公司©版权所有
  • 客服微信

  • 服务号