SYSTEM AND METHOD FOR GUARANTEEING HOUSING TYPE NONRECOURSE LOAN, AND APPARATUS AND PROGRAM FOR SUPPORTING HOUSING TYPE NONRECOURSE LOAN GUARANTEEING OPERATION

摘要

PROBLEM TO BE SOLVED: To provide a housing type nonrecourse loan guaranteeing system in which that burden on a debtor is reduced and no disadvantage is given to a creditor when the debtor goes into default on an obligation.;SOLUTION: The housing type nonrecourse loan guaranteeing system is provide with a guarantee amount simulator that calculates the balance of property that a user bought from a seller and the balance of the debt of a loan that the user had from a creditor and at a specified point of time in future, and also calculates the amount of guarantee money that the user pays when financed according to the property balance and the debt balance, and a management simulator that predicts the income and expenditure of a guarantor on the basis of the property balance, the debut balance, and the amount of guarantee money that the guarantee amount simulator calculates when the user goes into default and has a deficient amount such that the property balance is too small to cover the debt balance and the guarantor pays the deficient amount. The income and expenditure of the guarantor is shown as the difference amount obtained by subtracting the deficient amount and the total expenditure of the guarantor side in a fixed period from at least the total amount of the guarantee money in a fixed period.;COPYRIGHT: (C)2005,JPO&NCIPI