JP7212511B2 - Loan management device, loan management method, and loan management program - Google Patents

Description

The present invention relates to a loan management device, a loan management method, and a loan management program.

For example, when constructing a building, the building owner and the contractor who undertakes the construction conclude a construction contract. It is common to make multiple payments, such as the final payment of the hour. Bridging loans are often used for such payments before the building is completed. As a bridge loan and housing loan system, for example, Patent Document 1 is available. Conventionally, in the case of a mortgage using a bridge loan, the loan amount of the housing loan completes the bridge loan contract. had to do

Japanese Patent Application Laid-Open No. 2017-134608

As described above, conventionally, it is necessary to perform a complete payment processing for each bridge loan at the time of execution of a housing loan.

SUMMARY OF THE INVENTION The present invention has been made in view of the above, and is intended to reduce the workload and prevent the omission of full payment by automatically performing full repayment processing for a bridge loan at the time of execution of a housing loan. It is an object of the present invention to provide a loan management device, a loan management method, and a loan management program.

In order to solve the above-described problems and achieve the object, the present invention provides a loan management apparatus comprising a control section and a storage section, wherein the storage section stores a customer (for example, a customer number and/or a customer name). ), a product (for example, a product code and/or product name), a repayment pattern indicating each step of a bridge loan or a mortgage, a loan amount, a loan date, and before, during, or in full repayment of a loan. The control unit registers and updates the bond data, and when the housing loan is executed, completes the corresponding bridging loan. and credit data management means for updating the complete payment classification to complete payment.

Further, according to a preferred aspect of the present invention, the storage unit stores a housing loan management master in which a management key is associated with a housing loan product for which a bridge loan is completely repaid, a management key, and a bridge loan management master. and a bridging loan management master in which loan products are associated and registered, wherein the bond data management means refers to the housing loan management master in the case of execution of the mortgage loan in the bond data, A management key corresponding to a loan product is acquired, a bridge loan product is acquired from the bridge loan management master using the acquired management key as a key, and a bridge loan complete repayment process for the acquired product is executed to complete the payment. It is desirable to update the segment to paid off.

Further, in order to solve the above-described problems and achieve the object, the present invention provides a loan management method executed by an information processing apparatus having a control unit and a storage unit, wherein the storage unit stores a customer and , credit data including products, repayment patterns indicating each step of bridging loans or housing loans, loan amounts, loan dates, and repayment classifications indicating before execution of loans, during transactions, or repayment in full are stored. , the credit data executed by the control unit for registering and updating the credit data, executing complete repayment processing of the corresponding bridge loan in the case of execution of the housing loan, and updating the repayment classification to complete repayment; It is characterized by including a management process.

Further, in order to solve the above-described problems and achieve the object, the present invention provides a loan management program to be executed by an information processing apparatus having a control unit and a storage unit, wherein the storage unit stores a customer and , credit data including products, repayment patterns indicating each step of bridging loans or housing loans, loan amounts, loan dates, and repayment classifications indicating before execution of loans, during transactions, or repayment in full are stored. and a credit data management step of registering and updating the credit data in the control unit, executing complete repayment processing of the corresponding bridge loan in the case of execution of the housing loan, and updating the repayment classification to complete repayment. It is characterized by being a loan management program for execution.

According to the present invention, it is possible to reduce the workload and prevent the omission of full payment by automatically performing full payment processing for the bridge loan at the time of execution of the housing loan. .

FIG. 1 is a diagram showing a chronological image of a "bridge loan" for the construction fee for the period until a house is completed and a housing loan. FIG. 2 is a diagram for explaining each process in FIG. 1 and its outline. FIG. 3 is a diagram showing an outline of the execution flow of a conventional bridge loan and housing loan. FIG. 4 is a diagram showing an outline of the execution flow of a bridge loan and a housing loan according to this embodiment. FIG. 5 is a block diagram showing an example of the configuration of the loan management device according to this embodiment. FIG. 6 is a diagram showing a configuration example of a housing loan management master. FIG. 7 is a diagram showing a configuration example of a bridge loan management master. FIG. 8 is a diagram showing sample data for explaining bridge loan execution. FIG. 9 is a diagram showing sample data for explaining housing loan execution. FIG. 10 is a diagram showing an example of a loan execution screen.

EMBODIMENT OF THE INVENTION Below, embodiment of the loan management apparatus, loan management method, and loan management program which concern on this invention is described in detail based on drawing. In addition, this invention is not limited by this embodiment.

[1. overview]
For example, when constructing a building, the building owner and the contractor who undertakes the construction conclude a construction contract. It is common to make multiple payments, such as the final payment of the hour. Bridging loans are often used for such payments before the building is completed.

In bridge financing, the necessary amount is financed at the necessary timing for each construction process such as "land", "starting money", "intermediate money", and "completion money", and the entire process is financed at the same time as the housing loan. is completed.

Conventionally, in a home loan using a bridge loan, the loan amount of the home loan completes the bridge loan contract. Therefore, in addition to the execution operation of the home loan, the system user performs the operation of paying off each step of the bridge loan. I needed it. As a result, there was a problem that the workload was large and that there was a failure to complete the payment.

Therefore, in the present embodiment, a system is constructed in which all steps of the bridge loan are paid off at the same time as the execution of the housing loan, thereby reducing the workload and preventing omission of payment. More specifically, in the present embodiment, the loans in each process of the bridge loan are managed as one credit, and the payment of the bridge loan is completed at the same time as the housing loan is executed. I made it complete.

FIG. 1 is a diagram showing a chronological image of a "bridge loan" for the construction fee for the period until a house is completed and a housing loan. FIG. 2 is a diagram for explaining each process in FIG. 1 and its outline. FIG. 3 is a diagram showing an outline of the execution flow of a conventional bridge loan and housing loan. FIG. 4 is a diagram showing an outline of the execution flow of a bridge loan and a housing loan according to this embodiment.

In FIG. 1, preliminary examination of a bridge loan and a housing loan and conclusion of a contract are carried out (1). Next, each process of land (purchase), start of construction, intermediate construction, and completion of housing is executed, and bridging loans for each process are executed (2). After this, the housing loan is executed (3).

In FIG. 2, registration of comprehensive bridge contract information and registration of application are performed in the process from pre-examination to conclusion of contract (1). In the comprehensive bridge contract information registration, the comprehensive bridge contract information of the bridge loan is entered and registered. The comprehensive bridge contract information includes contract date, contract number, maximum amount, and the like. It is also possible to increase the maximum amount. In the application registration, bridging loan information (financing date, loan amount, real interest rate, etc.) in each step of the bridging loan is entered and registered. As for the bridge loan information, it is possible to correct the loan date, the loan amount, etc., before executing the loan. In addition, link registration of bridge loan information and comprehensive bridge contract information for each process is performed. In addition to the individual real interest rate for each process, the comprehensive real interest rate for all processes is calculated.

Next, a bridging loan is executed for each process (2) of construction land (purchase), start of construction, intermediate construction, and completion of construction. After this, the housing loan is executed (3). In the present embodiment, when a housing loan is executed, all steps of the bridge loan are paid off in full.

Next, with reference to FIG. 3, the execution flow of a conventional bridge loan and housing loan will be described. In FIG. 3, first, registration of a bridge loan application is executed (step S1). Next, bridging loans are executed for each process (land, start of construction, intermediate construction, completion) (steps S2 to 5). The housing loan is financed (step S6). Thereafter, after the housing loan is financed, the operator performs payment processing for each bridge loan (land purchase, start of construction, intermediate construction, completion of construction) and completes registration (steps S7 to S10). As described above, conventionally, an operator has to perform deposit processing and complete payment registration for each bridge loan at the time of execution of a housing loan. rice field.

Referring to FIG. 4, the execution flow of the bridge loan and housing loan according to the present embodiment will be described. In FIG. 4, the same step numbers are assigned to steps that perform the same processing as in FIG. In FIG. 4, in the present embodiment, when housing loan financing is executed (step S6), payment processing is performed for each bridge loan (land, start of construction, intermediate construction, completion), and complete registration is automatically performed. (Step S20), the operator's workload is reduced to prevent failure to pay off the bridge loan.

Specific configurations and operations will be described below.

[2. Constitution]
The configuration of the loan management device 100 according to this embodiment will be described with reference to FIG. FIG. 5 is a block diagram showing an example of the configuration of the loan management device 100. As shown in FIG.

Loan management device 100 is a commercially available desktop personal computer. Note that the loan management apparatus 100 is not limited to a stationary information processing apparatus such as a desktop personal computer, and may be a portable type such as a commercially available notebook personal computer, PDA (Personal Digital Assistants), a smart phone, or a tablet personal computer. It may be an information processing device.

The loan management device 100 includes a control unit 102, a communication interface unit 104, a storage unit 106, and an input/output interface unit 108, as shown in FIG. Each unit included in the loan management apparatus 100 is communicably connected via an arbitrary communication path.

The communication interface unit 104 communicably connects the loan management apparatus 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 another device via a communication line. Here, the network 300 has a function of connecting the loan management apparatus 100 and the server 200 so that they can communicate with each other, and is, for example, the Internet or a LAN (Local Area Network). Note that data stored in the storage unit 106 to be described later may be stored in the server 200 .

An input device 112 and an output device 114 are connected to the input/output interface section 108 . The output device 114 can be a monitor (including a home television), a speaker, or a printer. The input device 112 can be a keyboard, a mouse, a microphone, or a monitor that cooperates with the mouse to provide a pointing device function. Note that, hereinafter, the output device 114 may be referred to as the monitor 114 and the input device 112 may be referred to as the keyboard 112 or the mouse 112 . Also, a user (operator) displaying information on the monitor 114 and performing an operation using the input device 112 may be referred to as a “user operation via the UI”.

The storage unit 106 stores various databases, tables, files, and the like. The storage unit 106 stores a computer program for performing various processes by giving commands to a CPU (Central Processing Unit) in cooperation with an OS (Operating System). As the storage unit 106, for example, memory devices such as RAM (Random Access Memory) and ROM (Read Only Memory), fixed disk devices such as hard disks, flexible disks, and optical disks can be used.

The storage unit 106 stores a housing loan management master 106a, a bridge loan management master 106b, and a data file 106c. FIG. 6 is a diagram showing a configuration example of a housing loan management master. FIG. 7 is a diagram showing a configuration example of a bridge loan management master.

The housing loan management master 106a is a master for setting whether or not to execute the process of paying off the bridge loan. In the case of financing for a product not set in the housing loan management master 106a, the associated bridge loan payment processing is not executed. As shown in FIG. 6, the housing loan management master 106a can be composed of a table or the like in which management keys and product code data are associated and registered. In the example of the housing loan management master 106a shown in FIG. 6, management key "1" and product code "7101" are registered.

The bridging loan management master 106b is a master for setting products to be processed for full payment of the bridging loan. Products that are not set in the bridge loan management master 106b are not subject to the bridge loan full repayment process. As shown in FIG. 7, the bridging loan management master 106b can be composed of a table or the like in which management keys and product code data are associated and registered. In the example of the bridge loan management master 106b shown in FIG. 7, management key "1" and product code "7201" are registered.

The data file 106c stores various types of information such as comprehensive bridging contract information for bridging financing, bridging financing information for each step of bridging financing, housing loan contract information, bond data, and project linking data.

The blanket bridge contract information may include contract date, contract number, maximum amount, and the like. It is also possible to increase the maximum amount.

The bridging loan information may include project name, loan date, loan amount, real interest rate, and the like.

The mortgage contract information may include contract date, contract number, loan amount, real interest rate, and the like.

The matter linking data is data for linking the matter of the bond data, and may include the data of the matter number, the customer number, and the branch number.

Credit data is data for centrally managing credits for bridging loans and housing loans. The bond data includes a customer number for identifying a customer, a branch number assigned to the same customer, a product code for identifying a product, a repayment pattern (bridge loan for land (purchase), bridge loan for construction start, intermediate loan). Bridge Loan, Bridge Loan for Completion, Housing Loan), Loan Amount, Date of Loan, and Completed Category (Before Financing, During Transaction, Completed) indicating transaction status (see FIG. 8).

Returning to FIG. 5 , the control unit 102 is a CPU or the like that controls the loan management apparatus 100 in an integrated manner. The control unit 102 has an internal memory for storing a control program such as an OS, a program defining various processing procedures, required data, and the like, and performs various information processing based on these stored programs. Run. The control unit 102 functionally and conceptually includes a registration unit 102a, a bond data management unit 102b, and a master maintenance unit 102c.

The registration unit 102a stores various types of information such as comprehensive bridging contract information, bridging loan information, and housing loan contract information in the data file 106c in response to the operator's operation on a contract input screen or application screen (not shown). to register.

The bond data management unit 102b registers and updates bond data such as comprehensive bridge contract information, bridge loan information, and housing loan contract information for centrally managing bridge loan and housing loan claims for each customer. In the case of loan disbursement, the related bridging loan repayment process is executed to update the repayment classification to fully repaid. Further, the bond data management unit 102b may, for example, update the corresponding data of the bond data for the bond whose loan execution has been confirmed on the loan execution confirmation screen (for example, see FIG. 10).

Further, in the case of executing a housing loan in the bond data, the bond data management unit 102b refers to the housing loan management master 106a, acquires a management key corresponding to the product of the housing loan, and stores the acquired management key. may be used as a key to acquire a bridge loan product from the bridge loan management master 106b, execute the process of paying off the bridge loan for the acquired product, and update the payment classification to full payment.

The master maintenance unit 102c edits, for example, inputs, adds, changes, and updates data to the housing loan management master 106a and the bridging loan management master 106b in accordance with the operator's operation on a master maintenance screen (not shown). (setting).

[3. Specific example of processing]
A specific example of processing of the control unit 102 of the loan management apparatus 100 according to the present embodiment will be described in detail with reference to FIGS. 8 to 10. FIG. FIG. 8 is a diagram showing sample data for explaining bridge loan execution (case (2) in FIG. 1). FIG. 9 is a diagram showing sample data for explaining housing loan execution (case (3) in FIG. 1). FIG. 10 is a diagram showing an example of a loan execution confirmation screen.

With reference to FIG. 8, execution of bridging loans in each step will be described. The example shown in the figure shows the time point of 2017/11/7. FIG. 8A shows an example of bond data before execution of a bridge loan as of 2017/11/7. FIG. 8(B) shows an example of bond data after execution of a bridge loan as of 2017/11/7. FIG. 8C shows an example of the housing loan management master 106a. FIG. 8D shows an example of the bridge loan management master 106b.

The bond data management unit 102b updates the full payment classification of the product (loan) in the bond data from "0: before execution of loan" to "100: during transaction" on the loan date.

In the example of the bond data before execution of the bridge loan on November 7, 2017 shown in FIG. "Land", Loan Amount "4,000,000 Yen", Loan Date "2017/7/10", Completion Category "100: Under Transaction". The second line is branch number "1", product code "7201", repayment pattern "start of construction", loan amount "3,000,000 yen", loan date "2017/9/20", completion classification "100: transaction". It says "medium". The third line is branch number "2", product code "7201", repayment pattern "intermediate", loan amount "2,000,000 yen", loan date "2017/11/07", completion classification "0: loan before execution". The fourth line is branch number "3", product code "7201", repayment pattern "completion", loan amount "1,000,000 yen", loan date "2018/1/12", completion classification "0: loan before execution". The fifth line has branch number "4", product code "7101", repayment pattern "home loan", loan amount "10,000,000 yen", loan date "2018/3/31", repayment category "0: Before the execution of the loan”.

When the bridge loan with the product code "7201" on the third line and the loan date "2017/11/7" is executed, as shown in FIG. to "100: Trading".

Note that, as shown in FIG. 8C, the product code "7201" is not set in the housing loan management master 106a, so the bridge loan is not fully paid off.

With reference to FIG. 9, execution of housing loan will be described. The example shown in the figure shows the time point of 2018/3/31. FIG. 9(A) shows an example of bond data as of March 31, 2018, before execution of a housing loan. FIG. 9B shows an example of the bond data after execution of the housing loan as of March 31, 2018. FIG. FIG. 9C shows an example of the housing loan management master 106a. FIG. 9D shows an example of the bridge loan management master 106b.

The bond data management unit 102b refers to the housing loan management master 106a to obtain a management key corresponding to the product code of the housing loan in the case of executing the housing loan of the bond data, and stores the management key as As a key, the product code of the bridge loan is acquired from the bridge loan management master 106b, the completed payment processing of the bridge loan for the acquired product code is executed, and the completed payment classification is changed from "100: transaction classification" to "101: completed payment". Update.

In the example of the bond data before execution of the mortgage loan as of March 31, 2018 shown in FIG. 9A, for the bond data in FIG. 7201”, repayment pattern “completed”, loan amount “1,000,000 yen”, and loan date “2018/1/12”, the only difference is that the completion classification is “100: transaction in progress”. .

When the housing loan with the product code "7101" on the fifth line and the loan date "2018/3/31" is executed, as shown in FIG. Before” is updated to “100: Trading”. Furthermore, since the product code "7101" and the management key "1" on the fifth line are set in the housing loan management master 106a, the product code "7201" is obtained from the bridge loan management master 196b using the management key "1" as a key. is obtained, and the bridge loan payment processing is executed for the product code "7201". Specifically, the completed payment classification of the product code "7201" in the first to fourth lines is updated from "100: transaction in progress" to "101: completed payment".

FIG. 10 is a diagram showing an example of a loan execution confirmation screen. A loan execution confirmation screen 400 shown in FIG. 4 includes an area 401 for inputting search (inquiry) conditions, an area 402 for displaying search results corresponding to the search conditions, and an execute button 403 for confirming loan execution. is displayed.

The area 401 has a field for inputting the loan date and a field for inputting the product code. When the loan date and/or product code are entered in area 401 , the corresponding data is retrieved from bond data or the like and displayed in area 402 .

An area 402 displays search results based on the search information in the area 401. For example, a box for selecting an object, loan date, product code, product name, customer number, loan amount, deductible loan amount, deductible The data of items such as the loan amount and contract date are displayed. When the check box is checked to select the target loan date and product, and the execution button 403 is pressed, the execution of the loan for the specified bond is confirmed.

In the example shown in FIG. 10 , the loan date “2018/8/01” is specified in the area 401 , and two pieces of data with the loan date “2018/8/01” are displayed in the area 402 . Two items of data in area 402 are selected.

The bond data management unit 102b may update the corresponding data of the bond data for those whose loan execution has been confirmed on the loan execution confirmation screen 400. FIG.

As described above, according to the present embodiment, the customer, the product, the repayment pattern indicating each step of the bridge loan or the housing loan, the loan amount, the loan date, and before the loan is executed, during the transaction, Alternatively, credit data management for registering and updating credit data including a full payment classification indicating full payment, executing complete payment processing of the corresponding bridge loan in the case of housing loan execution, and updating the full payment classification to full payment Since the unit 102b is provided, it is possible to reduce the workload and prevent omission of payment by automatically performing the payment processing for the bridge loan at the time of execution of the housing loan.

Further, according to the present embodiment, the housing loan management master 106a in which the management key and the housing loan product for executing the complete repayment processing of the bridge loan are registered in association with each other, and the management key and the bridge loan product are registered in association with each other. The bond data management unit 102b refers to the mortgage loan management master 106a in the case of execution of the mortgage loan of the bond data, and corresponds to the product of the mortgage loan. A management key is acquired, a bridge loan product is acquired from the bridge loan management master 106b using the acquired management key as a key, and complete payment processing of the bridge loan for the acquired product is executed to update the payment classification to full payment. As a result, it is possible to easily associate the housing loan with the bridge loan to be paid off.

[4. Other embodiments]
The present invention may be implemented in various different embodiments other than the embodiments described above within the scope of the technical idea described in the claims.

For example, among the processes described in the embodiments, all or part of the processes described as being automatically performed can be manually performed, or all of the processes described as being manually performed Alternatively, some can be done automatically by known methods.

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

Also, with regard to the loan management apparatus 100, each component shown in the figure is functionally conceptual, and does not necessarily need to be physically configured as shown in the figure.

For example, the processing functions of the loan management device 100, particularly the processing functions performed by the control unit 102, are implemented in whole or in part by a CPU and a program interpreted and executed by the CPU. Alternatively, it may be implemented as hardware using wired logic. The program is recorded on a non-temporary computer-readable recording medium containing programmed instructions for causing the information processing device to execute the processing described in the present embodiment, and the loan management device can be used as necessary. 100 mechanically read. That is, a storage unit such as a ROM or HDD (Hard Disk Drive) stores a computer program for giving commands to the CPU in cooperation with the OS to perform various processes. This computer program is executed by being loaded into the RAM and constitutes a control section in cooperation with the CPU.

Also, this computer program may be stored in an application program server connected to the loan management apparatus 100 via any network, and all or part of it can be downloaded as necessary. be.

Also, the program for executing the processing described in this embodiment may be stored in a non-temporary computer-readable recording medium, or may be configured as a program product. Here, the term "recording medium" refers to memory cards, USB (Universal Serial Bus) memories, SD (Secure Digital) cards, flexible disks, magneto-optical disks, ROMs, EPROMs (Erasable Programmable Read Only Memory), EEPROMs (registered (trademark) (Electrically Erasable and Programmable Read Only Memory), CD-ROM (Compact Disk Read Only Memory), MO (Magneto-Optical disk), DVD (Digital Versatile Disk), and Disc (registered trademark) such as Blu- shall include any "portable physical medium".

A "program" is a data processing method written in any language or writing method, regardless of the format such as source code or binary code. In addition, the "program" is not necessarily limited to a single configuration, but is distributed as multiple modules or libraries, or cooperates with a separate program represented by the OS to achieve its function. Including things. It should be noted that well-known configurations and procedures can be used for the specific configuration and reading procedure for reading the recording medium in each device shown in the embodiments, the installation procedure after reading, and the like.

The various databases and the like stored in the storage unit 106 are storage means such as memory devices such as RAM and ROM, fixed disk devices such as hard disks, flexible disks, and optical disks, and are used for various processes and website provision. programs, tables, databases, and files for web pages.

Further, the loan management apparatus 100 may be configured as an information processing apparatus such as a known personal computer or workstation, or may be configured as the information processing apparatus to which arbitrary peripheral devices are connected. Further, the loan management apparatus 100 may be implemented by installing software (including programs, data, etc.) that causes the apparatus to implement the processing described in the present embodiment.

Furthermore, the specific forms of distribution and integration of devices are not limited to those shown in the figures, and all or part of them can be functionally or physically arranged in arbitrary units according to various additions or functional loads. It can be distributed and integrated. In other words, the embodiments described above may be arbitrarily combined and implemented, or the embodiments may be selectively implemented.

100 loan management device
102 control unit
102a registration unit
102b Bond data management unit 102c Master maintenance unit
104 communication interface unit
106 storage unit
106a Housing loan management master
106b Bridge Loan Management Master
106c data file
108 input/output interface
112 input device
114 output device 200 server 300 network

Claims (3)

A loan management device comprising a control unit and a storage unit,
The storage unit contains
Customer identification information for identifying a customer, product identification information for identifying a product, repayment patterns indicating each step of a bridge loan or a housing loan, a bridge loan or a housing loan, and a bridge loan or housing credit data including a loan disbursement date and a repayment classification that designates before the disbursement of the loan, during the transaction, or in full repayment, wherein the repayment classification is specified as "before disbursement of the loan" before the disbursement date;
a housing loan management master in which a management key and product identification information for identifying a housing loan product for which complete repayment processing of a bridge loan is executed are associated and registered;
a bridge loan management master in which management keys and product identification information for identifying bridge loan products are associated and registered;
is stored and
Of the bond data registered in the storage unit, when the operator instructs the execution of the loan for the bond data whose loan date has arrived, the complete payment classification is updated from "before execution of loan" to "during transaction". , if the loan execution is a housing loan, the housing loan management master is referred to obtain a management key corresponding to product identification information of the housing loan, and the bridge loan management is performed using the obtained management key as a key. Credit data management means for acquiring product identification information of a bridge loan from a master, and updating the completion classification of the credit data containing the acquired product identification information from 'under transaction' to 'completely paid', and executing complete payment processing of the bridge loan. A loan management device comprising: A loan management method executed by an information processing device having a control unit and a storage unit,
The storage unit contains
Customer identification information for identifying a customer, product identification information for identifying a product, repayment patterns indicating each step of a bridge loan or a housing loan, a bridge loan or a housing loan, and a bridge loan or housing credit data including a loan disbursement date and a repayment classification that designates before the disbursement of the loan, during the transaction, or in full repayment, wherein the repayment classification is specified as "before disbursement of the loan" before the disbursement date;
a housing loan management master in which a management key and product identification information for identifying a housing loan product for which complete repayment processing of a bridge loan is executed are associated and registered;
a bridge loan management master in which management keys and product identification information for identifying bridge loan products are associated and registered;
is stored and
Executed in the control unit,
Of the bond data registered in the storage unit, when the operator instructs the execution of the loan for the bond data whose loan date has arrived, the complete payment classification is updated from "before execution of loan" to "during transaction". , if the loan execution is a housing loan, the housing loan management master is referred to obtain a management key corresponding to product identification information of the housing loan, and the bridge loan management is performed using the obtained management key as a key. A credit data management process for acquiring the product identification information of the bridge loan from the master, and updating the completion classification of the credit data containing the acquired product identification information from "under transaction" to "completely paid off", and executing the completion processing of the bridge loan. A loan management method, comprising: A loan management program to be executed by an information processing device having a control unit and a storage unit,
Customer identification information for identifying a customer, product identification information for identifying a product, repayment patterns indicating each step of a bridge loan or a housing loan, a bridge loan or a housing loan, and a bridge loan or housing credit data including a loan disbursement date and a repayment classification that designates before the disbursement of the loan, during the transaction, or in full repayment, wherein the repayment classification is specified as "before disbursement of the loan" before the disbursement date;
a housing loan management master in which a management key and product identification information for identifying a housing loan product for which complete repayment processing of a bridge loan is executed are associated and registered;
a bridge loan management master in which management keys and product identification information for identifying bridge loan products are associated and registered;
is stored and
In the control unit,
Of the bond data registered in the storage unit, when the operator instructs the execution of the loan for the bond data whose loan date has arrived, the complete payment classification is updated from "before execution of loan" to "during transaction". , if the loan execution is a housing loan, the housing loan management master is referred to obtain a management key corresponding to product identification information of the housing loan, and the bridge loan management is performed using the obtained management key as a key. A credit data management process for acquiring the product identification information of the bridge loan from the master, and updating the completion classification of the credit data containing the acquired product identification information from "under transaction" to "completely paid off", and executing the completion processing of the bridge loan. A loan management program for executing

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