JP2001319046A - Method and device for real-estate security management and recording medium with recorded real-estate security managing program - Google Patents

Abstract

PROBLEM TO BE SOLVED: To improve the management efficiency of real-estate security. SOLUTION: An item property data file 110 containing various property data necessary for managing the real-estate security and an area evaluation data file 112 containing area information affecting the evaluation amounts of the security are connected to a CPU 101 and retrieval based upon a specific code as a retrieval code is carried out to extract plural items given the same code together. An FD 104 stored with a processing program for that, is inserted into a reader 105 and then a real-estate security managing device 100 speedily and easily performs a re-evaluation process for the security.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a method for managing a real estate secured property, a real estate secured property management device, and a recording medium recording a real estate secured property management program.

[0002]

2. Description of the Related Art Generally, a financial institution has a sales office (branch).
Each loan has a large number of borrowers, and the loans generally require collateral as a security measure. Real estate has traditionally played a major role as collateral at that time. However, it is not easy to appropriately manage the data of the secured real estate because the secured real estate is scattered in various places and the properties such as the use, shape, and scale are different for each property.

[0003] In other words, in the conventional method of managing a property secured with real estate, each branch periodically evaluates the security by taking into account data related to the security assessment of each property, manually evaluates the property, and drafts a security statement by hand. Was. In addition, since there are various calculation methods for the evaluation of collateral properties, the calculation method is complicated. Was difficult to manage properly.

In order to cope with such a situation, a method has recently been adopted in which spreadsheet software such as Excel is used to input data and output a form for each property. Also, at the time of evaluation calculation, the use of spreadsheet software has been designed to prevent calculation errors.

[0005]

However, while real estate collateral for bank loans must always keep track of the latest real estate prices, the real estate collateral management method rationalizes and saves labor in handwritten affairs. Was stopped at That is, it was still difficult to quickly extract information such as the number of real estate-backed properties in a specific area as data. In addition, for example, when a certain area is expected to have a large impact on the real estate valuation value due to environmental destruction such as dioxin, list up what kind of collateral and how many collateral properties exist in that area, and grasp the collateral value. Although there is a need to do this quickly, the real estate secured property management system using the spreadsheet software has not been able to cope with this.

[0006] The present invention has been made to solve the above problems, and an object thereof is to improve the management efficiency of a property secured by real estate.

[0007]

According to a first aspect of the present invention, there is provided a method for managing a property secured by a real estate, as one of attribute data necessary for management of the property secured by a real estate. In addition to setting property location data that will be assigned the same regional code to properties that coexist in, each attribute data including the property location data is coded corresponding to each property, and an arbitrary predetermined code is assigned. The gist is that a property to which the code is assigned is collectively extracted from all the real estate secured properties as a search code.

[0008] The invention described in claim 2 is the same as in claim 1.
In the invention described in (1), the gist of the present invention is to collectively extract applicable properties by using an area code related to property location data as the search code.

[0009] The invention described in claim 3 is the same as in claim 1.
Or, in the invention according to claim 2, the gist is that, with respect to the predetermined property data of a plurality of properties that can be grasped as a group of real estate secured properties, the same code number is assigned and managed among the real estate secured properties. I do.

[0010] The invention according to claim 4 relating to the real estate secured property management device is characterized in that property location data in which the same area code is assigned to properties coexisting in a certain area is managed by the real estate secured property. Property attribute data storage means for encoding and storing various attribute data included in one of the attribute data required for each property in correspondence with each property, and arbitrary property data stored in the property attribute data storage means. The gist of the invention is to provide a control means for batch-extracting a property to which a corresponding code is assigned using a predetermined code as a search code.

The invention described in claim 5 is the same as in claim 4.
In the invention described in the above, further provided is a regional data storage means for storing, in association with each regional code, regional data relating to the evaluation of a real estate secured property located in a predetermined area corresponding to the regional code of the property location data. The gist of the invention is that the control means is capable of extracting area data relating to an arbitrary area using the area code as a search code.

The invention according to claim 6 is the same as the invention according to claim 5.
In the invention described in the above, further comprising property description data storage means for storing detail data relating to each property in association with each property, wherein the control means stores the property attribute data using a predetermined area code as a search code. The gist of the present invention is to correct the detailed data based on the area table or data extracted from the area evaluation data storage means using the area code as a search code for the property extracted collectively from the means.

According to a seventh aspect of the present invention, which relates to a recording medium on which a real estate secured property management program is recorded, a property in which the same area code is assigned to properties coexisting in a certain area is provided to the computer. A procedure of storing various attribute data included in one of the attribute data necessary for managing the property secured with real estate in association with each property and storing them in the property attribute data storage means; and storing the property attribute data. The gist of the present invention is to record a program for executing a procedure for collectively extracting, by the control means, a property to which a given code is assigned as a search code for a property stored in the means.

The invention described in claim 8 is the same as in claim 7.
In the invention described in the above, the computer associates the area evaluation data relating to the evaluation of the real estate secured property located in the predetermined area corresponding to the area code of the property location data with each area code, and stores it in the area evaluation data storage means. The gist of the present invention is to record a program for further executing a procedure for storing and a procedure for allowing a control unit to extract area evaluation data on an arbitrary area using an area code as a search code.

The invention according to claim 9 is the same as the invention according to claim 8.
In the invention described in the above, a procedure for causing a computer to store detailed data relating to each of the properties in the property detail data storage means in association with each property, and collectively extracting the predetermined area code as a search code from the property attribute data storage means The summary is that a program for causing the control means to further execute the property detail data on the basis of the area evaluation data extracted from the area evaluation data storage means using the area code as a search code for the obtained property is recorded. I do.

[0016]

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS An embodiment of the present invention embodied in a method for managing a property secured by real estate, which is one type of bank loan security, a management apparatus for the property, and a recording medium on which the management program is recorded, will be described below. This will be described in detail with reference to FIGS.

FIG. 1 is a configuration diagram of a real estate secured property management device 100 according to the present embodiment. A central processing unit (hereinafter, referred to as a “CPU”) 101 as a control means has operation software for the device 100. A read-only memory (ROM) 102 that stores programs and the like, and a random access memory (RAM) 103 that can write and read various calculation contents and application software in the apparatus 100 are connected. Also, a reading device 105 that can read the management program from a floppy (registered trademark) disk (hereinafter, referred to as “FD”) 104 as a recording medium storing the real estate secured property management program is connected to the CPU 101, The management program read by the device 105 is stored in the RAM 103.

On the input side of the CPU 101, an input device 10 having a keyboard 106 and a mouse 107 is provided.
8 is connected, and an output device 109 composed of a printer is connected to the output side of the CPU 101. The CPU 101 stores a property attribute data file 11 as property property data storage means capable of storing and storing various data input via the input device 108 or various data read via the reading device 105.
0, a property description data file 111 as a property description data storage means, and a local evaluation data file 112 as a local evaluation data storage means are connected.

As shown in FIG. 2, the property attribute data file 110 includes a store number 201 assigned to each business office.
And a customer number 202 assigned to each customer as a loan recipient
And a property number 203 assigned to each collateral property,
Mesh code (area code) 204 as property position data assigned to a property located in a predetermined area
And a prefecture / city code (area code) 205 as property position data assigned to each prefecture and municipalities, a route value number 206 assigned to each route to specify a route price as evaluation data, Category 207 and usage category 208
And each item of the evaluation section 209. In addition,
Each of the numbers 201 to 203 and 206 and each of the sections 20
7 to 209 are coded in the same manner as the mesh code 204 and the prefecture / city code 205.

The property description data file 111
As shown in FIG. 3, the store number 201, the customer number 202, the property number 203, the owner name 301 of the secured property, the location 302 of the secured property, and the land type and structure of the secured property 303, a collateral area 304,
It is composed of the items of collateral of 1 m ² per unit price 305 and collateral valuation 306. Note that the land type and structure 303 represents a residential land, a forest, a farmland, and the like if it is a land, and a home, a store, a factory, and the like if it is a building. Area 30
Numeral 4 represents the area of the article, and the total floor area of a building such as a home. The evaluation value 306 is a numerical value obtained by multiplying the 1 m ² per unit price 305 of collateral and the area 304 of the collateral. Further, the area evaluation data file 112 includes:
As shown in FIG. 4, the mesh code 204, the prefectural city code 205, the road price number 206, the road price 401 of the previous year and this year, the per-route fluctuation rate 402 of the road price, Variation rate of each mesh code 40
3 and other information 413. Then, the rate of change 403 for each mesh code is
A first rate 404 representing the residential area variation rate in the mesh, a second rate 405 representing the commercial area variation rate in the mesh, a third rate 406 representing the industrial area variation rate in the mesh, and an adjustment area in the mesh The fourth rate 407 representing the residential area variation rate, the fifth rate 408 representing the adjusted area farmland variation rate in the mesh, the sixth rate 409 representing the forest land variation rate in the mesh, and the undrawn area house in the mesh A seventh rate 410 representing the land change rate, an eighth rate 411 representing the undrawn area commercial land change rate in the mesh,
The ninth rate 412 representing the non-lined area farmland change rate in the mesh
And is subdivided into In FIG. 4, other information 4
13, the mesh code 204 is 5236-23-
An example of a file in which local information “industrial waste disposal site available” indicating that there is an industrial waste disposal site where dioxin and the like may be generated only in 25 regions is shown.

Here, the property attribute data file 11
0 and the article number 203 used in the article description data file 111 will be described. As described above, the property number 203 is assigned to each collateral property. However, when the borrower, that is, the customer name is the same, the property number 203 can be grasped as a group of real estate collateral properties among a plurality of collateral properties related to the customer. The same code number is assigned to a plurality of properties. That is, the property number 203 indicates a property unit that can be handled as a group of collateral properties. Taking as an example two properties located in Gifu City with the customer number 12345 described in the first and second rows shown in FIG. 3, the two properties have the same property location and a land and a building built on the land. Since they are related and can be grasped as a group of properties, the property code 203 is assigned the same code of “1”.

The property number 203 is assigned in order from 1 for each borrower, that is, customer number. Even if the property numbers 203 are different, the same customer, that is, the borrower may be used. Referring to FIG. 3, the shop number "10",
The customer number “12345” and the property number “1” represent a property whose land is “home” and a property “home”, and the property numbers of these two properties are common. In the above example, the location is the same. However, even if the location is different (for example, the address is different or the town name is different), the property is adjacent to the property and is located on the same contact road, and there is no problem with the same valuation. Are assigned the same article number as described above.

Next, the property attribute data file 110
The concept of the mesh code 204 used for the area evaluation data file 112 will be described with reference to FIGS. The mesh code 204 utilizes what the Statistics Bureau of the General Affairs Agency uses when publishing statistical data. Here, a mesh divides a map into three stages of primary, secondary, and tertiary in the form of vertical and horizontal meshes (mesh), and assigns a specific code number for each of the divided mesh units to a regional code. FIG. 5
(A) shows the primary mesh M1 in the mesh map.
Is shown. One mesh of the primary mesh M1 has a length of 80 km × 80 km. And each primary mesh M1, for example, 5336 for Gifu, 5337 for Iida, 5236 for Nagoya, 5237 for Toyohashi
And a four-digit code are given as the primary mesh code.

Next, FIG. 5B shows the relationship between the primary mesh M1 and the secondary mesh M2 in the mesh map. The secondary mesh M2 is the primary mesh M1
Is divided into 64 parts. That is, the primary mesh M
Within 1, the vertical code of 0-7 from the bottom of the vertical axis to the top,
Horizontal codes of 0 to 7 are provided from left to right on the horizontal axis, and a two-digit secondary mesh code is configured by combining the vertical code and the horizontal code. One mesh is 10km × 1
It is composed of 0 km. In FIG. 5B, as an example, the second mesh M2, which is the third row below the vertical axis and the fourth row from the left of the horizontal axis in the primary mesh M1, that is, the area B
Is marked, but the secondary mesh code of this area B is “23”.

FIG. 5C shows a tertiary mesh M3 in the mesh map. Third mesh M
3 is obtained by dividing the secondary mesh M2 into 100 parts, and the idea is, like the case of the secondary mesh code, 0 to 0 from the bottom of the vertical axis of the secondary mesh M2 to the top.
9, codes 0 to 9 are assigned from left to right on the horizontal axis. As a result, a two-digit tertiary mesh code is configured by combining the vertical code and the horizontal code. One mesh is composed of 1 km × 1 km. In FIG. 5 (c),
As an example, the third mesh M3, which is the third row below the vertical axis and the fourth row from the left of the horizontal axis in the secondary mesh M2, that is, the area C is marked. The next mesh code is “25”.

That is, the mesh code 204 is represented by a total of eight digits, that is, four digits of the primary mesh code, two digits of the secondary mesh code, and two digits of the tertiary mesh code. The area is 1 km ² . Regarding the assignment of mesh code to each collateral,
If the collateral property belongs to two or more mesh code areas, a mesh code corresponding to the area with the largest area to which the property belongs is assigned in principle. The prefecture / city code 205 assigned as an area code in the same manner as the mesh code 204 is a coded two-digit prefecture code assigned to each prefecture and a coded three-digit code assigned to each municipalities. Are represented by a total of five digits obtained by combining the municipal codes.

Next, the sections 207 to 209 in the property attribute data file 110 will be described. Application category 2
07 is a use method of the collateral, for example, “1” is displayed in the urbanized area, “2” is displayed in the urbanized adjustment area, and “3” is displayed in the others. Next, the use category 208 is a method of using the collateral, for example, “1” for a residential area, “2” for a commercial area, “3” for a warehouse / factory / industrial land, and “4” for a farmland. And "5" is displayed in the forest area. Next, evaluation category 2
Reference numeral 09 denotes a collateral property evaluation method, for example, “1” for the land price method, “2” for the standard land comparison method, “3” for the sales case method, “4” for the auction method, and appraisal evaluation. "5" is displayed for the writing method, and "6" is displayed for the others.

Next, the concept of the variation rate 403 for each mesh code in the area evaluation data file 112 will be described with reference to FIG. The fluctuation rate 403 is a comparison between the evaluation value of the property last year and the evaluation value of the current year, and represents the fluctuation rate in percent. FIG. 6 shows the variation rate 403 for each mesh code 204 and for improving the accuracy of the evaluation value.
In the use section 207, the three types, namely, the urbanization area, the urbanization control area, and the others, and in the use section 208, the five types, namely, the residential area, the commercial area, the industrial area, the agricultural land, and the forest area. The values calculated by performing the classification and investigating the respective classifications are set as the respective fluctuation rates 404 to 412.
In the above classification, 15 types of rates are calculated, but if there is no significant difference in the evaluation of the properties of each land (for example, a residential area in an urbanized area and a farmland in an urbanized area), the same rate is applied. In this case, a reduced version of 9 types is applied.

Next, the real estate secured property management device 1 will be described.
How to use 00 will be described. First. When the CPU 101 is started by a device driving switch (not shown), the operator inserts the FD 104 into the reading device 105 and sets it. Then, the stored data is stored in the CPU 10.
1, and the program data is temporarily stored in the RAM 103. This program data uses a code of any attribute data as a search code, collectively extracts real estate collateral corresponding to it,
It is provided with a program for evaluating and reviewing the valuation value of the collateral extracted based on the code using the fluctuation rate 403 for each mesh code or the like. Is performed.

Next, a case where the mesh code 204 is used as a search code, a real estate-backed property corresponding to the search code is extracted, and an evaluation review process for the extracted property is performed will be described with reference to FIG. At the time of the evaluation review process, since a code of “1” indicating that the evaluation category 209 is the road price system is assigned to the area where the road price is laid, Applied. On the other hand, in the area where the road price is not laid, the codes of “2” to “6” indicating that the evaluation category 209 is a method other than the road price method are assigned, so that the mesh codes are uniformly assigned. The change rate 403 is applied to perform possible evaluation review processing collectively in units of mesh. This is a numerical value in which the collateral valuation is calculated in consideration of the shape of the land and the surrounding environment.
^This is because there is no consistency in the method of applying the unit price per unit. Therefore, when a new calculation is performed, the unit price per 1 m ² taking into account the shape of the land and the surrounding environment is calculated. The rate of change 403 is applied.

When the operator starts the real estate secured article management program after the completion of the insertion setting of the FD 104, first, in step 701, the operator
With the display on the screen of the display not shown,
Keyboard 10 connected to the input side of CPU 101
6 and the operation of the mouse 107, an input process of any one mesh code 204 as a search code is performed. In the present embodiment, it is assumed that a mesh code 204 of 5236-23-25 has been input.

Then, in step 702, all the collateral properties located in the area corresponding to the mesh code 204, which is the search code, are retrieved from the property attribute data file 110 and the property detail data file 111. Then, in step 703, if there is no corresponding property, “not applicable” is displayed on the display, and the process returns to step 701. On the other hand, if there is a match in step 703, the process proceeds to step 704, and a list of various attribute data of each property extracted on the screen of the display is displayed. An example of the display on this occasion is as shown in FIG.

Here, each numeral in the item of "No" indicated by reference numeral 801 in FIG. 8 represents the number of articles in the unit of the article number 203 in the area corresponding to the mesh code 204 as the search code. It is. Therefore, in “No” 801, the corresponding mesh code 20
The number of properties per property number 203 in 4 can be grasped.
The display format of FIG. 8 is the “No”
801, the mesh code 204, and the shop number 2
01, the customer number 202, and the property number 203
And the land type and structure 303 and the prefectural city code 2
05, the land price number 206, and the use category 207.
, The use section 208, and the evaluation section 209. At this stage, the display format shown in FIG. 8 may be printed out and the processing program may be terminated.

If the processing program is not to be ended, the process proceeds to step 705, where the CPU 101 determines the various fluctuation rates 40 in the area corresponding to the mesh code 204.
2,403 is searched from the area evaluation data file 112. Then, in the next step 706, for the area where the land price is not laid, the fluctuation rates 404 to 412 for each of the nine types of mesh codes corresponding to the respective uses and use categories 207 and 208 of the extracted collateral are calculated. For the area where the route value is laid, the rate of change 402 for each route is extracted and displayed in a list on the screen of the display.

As shown in FIG. 9, in the display example in step 706, each item in the display format shown in FIG.
And, a 1m ² per unit price 305 of the current (evaluation review before),
Valuation value 306 (before valuation review) and various fluctuation rates 80
2 are added. As the various fluctuation rates 802, a per-route fluctuation rate 402 is displayed in an area where a road price is laid, and a per-mesh code fluctuation rate 403 is displayed in an area where a road price is not laid. . At this stage, the display format shown in FIG. 8 may be printed out and the processing program may be terminated. In addition, Nagoya City representing the primary mesh “5236” is provided with the whole area land price, but in the present embodiment, for the sake of explanation, it is illustrated as including an unlaid area.

Subsequently, if the processing program is not to be ended, the process proceeds to step 707, where the CPU 101 applies any one of the variation rates 404 to 412 for each mesh code or the variation rate 402 for each route to evaluate the value of each property. Step 306 is reviewed. That is, the evaluation value 306 (after the evaluation review) is calculated by multiplying the evaluation value 306 (before the evaluation review) shown in FIG. 9 by a predetermined numerical value (1 + application change rate).

Then, in the next step 708, each item including the evaluation value 306 (after the evaluation review) is displayed on the screen of the display, and printed out from the output device 109 in accordance with a subsequent click operation. In accordance with another click operation, the display content data is stored in the RAM together with the evaluation amount 306 (before the evaluation is reviewed).
103 is written and stored. The valuation amount 306 (before the valuation review) is deleted automatically after a preset period has elapsed or by an input operation. The display example of this step 708 is as shown in FIG. 10, and the display contents are the same as the display contents shown in FIG. 9 except for the unit price 305 per m ² and the evaluation amount 306. In other words, 1m ² per unit price 305
And the evaluation value 306 are the evaluation value 30 (after the evaluation review).
6 is displayed.

Therefore, according to the present embodiment having the above-described configuration, the following effects are exhibited. (1) Since various attribute data required for management of the real estate secured property are assigned codes to the mesh code 204 as the regional data, the respective sections 207 to 209, etc., less input work is required when searching and extracting. The efficiency of property management can be improved.

(2) If the mesh code 204 as a region code is used as a search code, it is possible to collectively extract properties that coexist in a predetermined region corresponding to the code.
For this reason, in the past, each property was managed by property location, that is, by "point", so when searching and extracting, it was necessary to search by specifying a code for each property scattered as "point", In the present embodiment, the mesh code 20
The number of coexisting collateral properties in units of 4 (area code), that is, in units of “planes” can be easily grasped collectively.

(3) Among the real estate secured properties, predetermined attribute data of a plurality of properties that can be grasped as a group of real estate secured properties are managed by assigning the same code number, that is, the property number 203. For this reason, multiple properties can now be managed as a single group's collateral, instead of managing each collateral individually.

(4) For each collateral, the rate of change between the last year's valuation and this year's valuation is stored in the regional evaluation data file 112 as data of the per-route fluctuation rate 402 and the mesh code fluctuation rate 403. did. for that reason,
When reviewing evaluations, the data can be used to collectively review each collated property retrieved and extracted, rather than on a case-by-case basis, thereby reducing the time and labor required for evaluation work. It can also be used as a factor in making future loan decisions.

(5) The variation rate 403 for each mesh code
Has been subdivided into nine types according to the use category 207 and the use category 208. Therefore, the variation rate 403 can be applied with high accuracy.

(6) When the collateral belongs to two or more different mesh codes 204, the mesh code 204 corresponding to the area occupied most by area ratio is assigned to the property. Therefore, there is no double booking of the mesh code 204 for each property, and no error occurs in the security property management.

(7) Each data in the property attribute data file 110 and the property detail data file 111 stores the store number 201 and the area evaluation data file 112 stores the respective evaluation data, so that one location and In several places, for example, specialized departments, collateral properties can be reviewed and managed. For this reason, in the past, at the time of management and re-evaluation at each sales office, a request for approval was issued each time, but such work was unnecessary, leading to a significant reduction in work time. That is, the branch office only needs to perform the collateral evaluation work when evaluating a new collateral.

The above embodiment may be modified as follows. In the embodiment, the property attribute data file 110 and the property detail data file 11 are used as data files.
1 and a regional evaluation data file corresponding to each mesh code 204, but only the property attribute data file 110 and the property detail data file 111 may be provided. In this case, quick evaluation review cannot be performed, but the area evaluation data file 11 having an enormous capacity is required.
Since there is no 2, the capacity of the real estate secured property management device 100 can be spared, and the processing speed of the CPU 101 is improved.

In the above embodiment, the same code number, that is, the property number 203 is assigned to a plurality of properties that can be grasped as a group of real estate secured properties.
May be given for each property. Even in such a case, the effect of collective extraction of each property can be obtained.

In the above-described embodiment, various data related to the real estate collateral are input by the input device 108 connected to the real estate secured property management device 100 and the various data files 110
-112, but the FD10
4 or a recording medium such as a CD-ROM or an MO, and the data may be stored in the data files 110 to 112 via the reading device 105 from the medium. Alternatively, various data can be transferred to the company LAN
The data may be directly transferred to each data file via the CPU 101 and stored by e-mail. In this way, the input can be made at each branch, and the input device 10
As compared with the case where only eight processes are performed, the work can be dispersed and efficient security management can be performed.

In the embodiment, various data such as the mesh code 204 as the regional data are stored in the files 110 and 11 connected to the real estate secured property management apparatus 100.
1, 112, but may be stored and stored in a recording medium such as an MO, a CD-ROM or the like, for example, divided into regions, taking into account that the capacity is large and the processing speed is slow. . In this way, the real estate secured property management device 1
When 00 fails, there is no risk of data corruption, and data management becomes easy.

In the above embodiment, the attribute data 201 to 203, 301 to 101 shown in FIG.
Although 306 is shown, a setting relation such as a mortgage or a mortgage may be displayed as “other”. Increasing the attribute data in this way enables more thorough risk management.

In the above embodiment, as shown in FIG. 4, as the “other information” in the area evaluation data file 112, only the area information indicating that the industrial waste disposal site is located is exemplified. Also, for example, the surrounding environmental matters that affect the collateral evaluation value such as the planned opening of an expressway interchange, and statistical data such as population and the number of households in mesh code units published by the Statistics Bureau of the Ministry of Internal Affairs and Communications, etc. May be stored for each mesh code.

As described above, if information that affects the valuation value of the property is input, when the valuation is reviewed, such information can be printed out, and the valuation can be performed in consideration of the actual situation. . Also, as "other information"
A standard valuation value that can be used to evaluate a collateral located in the area may be associated with the mesh code 204 corresponding to the area. In doing so, when determining the valuation value of a new collateral, it is not necessary to check, for example, a case of buying and selling, and by applying the standard valuation value, the valuation value can be determined quickly and the working time can be reduced. Can be reduced.

In the above embodiment, the mesh code 2
04 was used as an 8-digit search code including the tertiary mesh code, but the primary mesh code (4 digits)
Only, or a search code of 6 digits (4 digits + 2 digits) up to the secondary mesh code may be used. In this way, property management in a wider area can be performed.

In the above embodiment, when the number of collateral properties coexisting in a certain area is extracted at once, the mesh code 20
4, the prefectural city code 205 used in the road price data may be used. In this way, it is possible to manage collateral properties for each prefecture and each municipalities.

In the above-described embodiment, the mesh code 204 is used as a search code. However, other various attribute data, that is, one or more attributes of the usage category 207, the usage category 208, and the evaluation category 209 are used. The combination, for example, a commercial area or the like where the use section 207 is an urbanization area of “1” and the use section 208 is “2” may be listed by search codes. In this way, it is possible to manage collateral for each attribute.

[0055]

According to the first, fourth or seventh aspect of the present invention, the management efficiency of real estate secured property can be improved.

According to the second, fifth or eighth aspect of the present invention, it is possible to improve management efficiency based on the collective extraction of real estate secured properties coexisting in a certain area. According to the invention of claim 3, for a plurality of properties that can be grasped as a group of real estate secured properties, the time for evaluation work can be reduced.

According to the sixth or ninth aspect of the present invention, it is possible to quickly, easily and accurately perform an evaluation review operation for each property extracted collectively.

[Brief description of the drawings]

FIG. 1 is a configuration diagram of a real estate secured property management device according to an embodiment.

FIG. 2 is a diagram showing a format of a property attribute data file.

FIG. 3 is a diagram showing a format of a property description data file.

FIG. 4 is a diagram showing a format of an area evaluation data file.

5A is a diagram showing a primary mesh code in a mesh map, FIG. 5B is a diagram showing a secondary mesh code in a mesh map, and FIG. 5C is a diagram showing a tertiary mesh code in a mesh map. Diagram shown

FIG. 6 is a diagram showing a mesh code variation rate data subdivision table.

FIG. 7 is a diagram showing a flowchart of a collateral evaluation review process.

FIG. 8 is an example of a display format during processing.

FIG. 9 is a display format example during processing.

FIG. 10 shows a final display format example.

[Explanation of symbols]

100: Real estate secured property management device 101: Central processing unit (CPU) as control means 104: Floppy disk (F) as recording medium
D), 110: Property attribute data file as property attribute data storage means, 112: Area evaluation data file as area evaluation data storage means, 203: Property number, 204: Mesh code as area code, 205: Area code Prefectural city code, 402: Percentage change per road price, 403: Percentage change per mesh code.

──────────────────────────────────────────────────続 き Continued on the front page (51) Int.Cl. ⁷ Identification symbol FI Theme coat ゛ (Reference) G06F 17/30 210 G06F 17/30 210C

Claims (9)

[Claims] Claims 1. As one of attribute data necessary for managing a property secured by real estate, property location data is set so that the same area code is assigned to a property coexisting in a certain area. Various attribute data including data are coded corresponding to each property, and the property given the code is collectively extracted from all the real estate secured properties by using an arbitrary predetermined code as a search code. Characteristic real estate secured property management method. 2. The real estate secured property management method according to claim 1, wherein the corresponding property is collectively extracted using an area code related to property location data as the search code. 3. The method according to claim 1, wherein, among the real estate secured properties, predetermined attribute data of a plurality of properties that can be grasped as a group of real estate secured properties is managed by assigning the same code number. Real estate secured property management method. 4. Property data including property location data, which is to be assigned the same area code to properties coexisting in a certain area, is included in one of the attribute data required for managing a real estate secured property. A property attribute data storage means for coding and storing each property corresponding to each property, and a property to which a predetermined code is assigned as a search code for the property stored in the property attribute data storage means are collectively collected. A real estate secured property management device comprising a control means for extracting. 5. A regional evaluation data storage means for storing, in association with each regional code, regional evaluation data related to the evaluation of a real estate secured property located in a predetermined area corresponding to the regional code of the property position data. 5. The real estate secured property management device according to claim 4, wherein the control means is capable of extracting area evaluation data on an arbitrary area using the area code as a search code. 6. A property description data storage means for storing detail data relating to each property in association with each property, wherein the control means uses a predetermined area code as a search code and stores the property attribute data storage means. 6. The method according to claim 5, wherein the property data stored in the property detail data storage means is corrected based on the area evaluation data extracted from the area evaluation data storage means using the area code as a search code for the properties extracted collectively from the list. The listed real estate secured property management device. 7. A computer which includes property location data, which is to be assigned the same area code to properties coexisting in a certain area, as one of the attribute data required for managing real estate secured properties. A procedure of coding attribute data corresponding to each property and storing the code in the property attribute data storage means, and assigning an appropriate predetermined code as a search code to the property stored in the property attribute data storage means. And a step of causing the control means to collectively extract the selected property. 8. A regional evaluation data storage means which stores, in a computer, regional evaluation data relating to the evaluation of a real estate secured property located in a predetermined area corresponding to the area code of the property location data for each area code. And the steps to
8. The computer-readable recording medium according to claim 7, further comprising: a step of allowing a control unit to extract area evaluation data on an arbitrary area using the area code as a search code. 9. A procedure for causing a computer to store detailed data relating to each of the properties in the property detailed data storage means in association with each property, and collectively extracting the predetermined area code as a search code from the property attribute data storage means. The control unit corrects the detail data on the property stored in the property detail data storage means based on the area evaluation data extracted from the area evaluation data storage means using the area code as a search code for the property. 9. The computer-readable recording medium according to claim 8, wherein a program for causing the computer to execute the program is recorded.