LOAN CONTRACT WITH DIFFERENCE OF INTEREST RATE DUE TO RANK DIFFERENCE OBTAINED BY EVALUATING SOLVENCY, COLLATERAL OR THE LIKE OF CONSUMER, UNDERTAKER AND GUARANTEE, AND TYPE AND BUSINESS OF CASH LOAN FOR CONSUMPTION CONTRACT WHEN FINANCIAL INSTITUTION CONTRACTS CONSUMER AND UNDERTAKER FOR LOAN CONTRACT AND CASH LOAN FOR CONSUMPTION CONTRACT

摘要

PROBLEM TO BE SOLVED: To allow a financial institution to loan with an interest rate at a low cost for safe loan and to increase an interest rate for loan being subject to bad loan.;SOLUTION: When the financial institution makes a loan contract and a cash loan for consumption contract and provides a consumer and an undertaker with cash, the financial institution evaluates and ranks all collaterals of the loan contract and the cash loan for consumption contract, all persons concerned such as a consumer, an undertaker and a guarantee, and all objects and all matters related to the contracts, decides an interest rate for all loans with the composite score of the ranks to make a loan, and reevaluates the collaterals and the persons concerned in the middle of a repayment period to change interest rates according to the fluctuation of the ranks. The financial institution has the types and business of loan contracts and cash loan for consumption contracts with the above configuration.;COPYRIGHT: (C)2001,JPO