JP6392293B2 - Automobile purchase support system - Google Patents

Description

  The invention of this application relates to a support system suitably used when purchasing a car.

In recent years, the so-called “leaving away from the car” trend has been remarkable, especially among young people, and the number of automobile sales, especially new car sales, has been sluggish. Although the car technology has made remarkable progress, such as the development of a car with some automatic driving functions, it has not led to the growth of the car population.
For those who purchase a car, the car is not cheap, but it is often hesitated in terms of cost effectiveness, such as using it only on weekends. Many middle-aged and old people like cars, but because they have money, they don't have much time.

Japanese Patent Laid-Open No. 2006-148889

Considering having a car as a business, a car is an asset that can be converted into cash relatively easily. In business management, a car may be purchased when there is surplus funds. Real estate is a typical investment target, but today, when asset deflation is remarkable, there are many cases in which assets with a low liquidity are held as liquid assets. On the other hand, automobiles are assets that require fixed maintenance costs, including storage space, and it is necessary to consider this point.
The invention of the present application has been made in light of these points, and the purchase price of the car seems to be cheap and the purchase / use method seems to be cheap, or the purchase / use of the tax-saving effect. It is an object of the present invention to provide a support system that is preferably used when taking measures.

In order to solve the above-mentioned problem, the invention described in claim 1 of the present application is an automobile purchase estimation system used when purchasing an automobile, and includes a plurality of input means, private price calculation means, and output means. With
The car is scheduled to be used for both private use and rental to others during the estimation period.
Multiple input means
Vehicle price input means for inputting the price of a vehicle scheduled to be purchased,
Rental unit price input means for inputting the price per unit time when renting the vehicle to another person during the estimation period,
And an expected rental number input means for inputting an expected number of times per unit period for renting the vehicle to another person during the estimation period,
The private price calculation means calculates rental income during the estimation period according to the rental unit price input by the rental unit price input means and the expected rental count input by the expected rental count input means, and the calculated rental revenue is calculated as vehicle price input means. Is a means of calculating the price of the house by subtracting from the vehicle price entered in
The output means displays the private price calculated by the private price calculation means on a display or enables printing with a printer.
The vehicle price input means, the rental unit price input means, and the expected rental number input means are configured by an input device provided in the computer, a display of the computer, and an input module mounted or installed in the computer. This is a module that displays a window or web page on the computer display for entering the price, rental unit price and expected number of rentals.
The in-house price calculation means is configured by a processor provided in the computer and an in-house price calculation module that is implemented or installed in the computer and executed by the processor.
In order to solve the above-mentioned problem, the invention according to claim 2 is the configuration of claim 1, wherein the plurality of input means are fixed maintenance costs that are incurred in order to keep the vehicle travelable during the estimation period. Includes fixed maintenance cost input means,
The private price calculation means is a means for calculating the private price by subtracting a fixed maintenance cost from the rental income after calculating the rental income, and subtracting the obtained rental revenue from the vehicle price.
The fixed maintenance cost input means includes an input device provided in the computer, a display of the computer, and an input module mounted or installed in the computer. The input module displays a window or web page for inputting the fixed maintenance cost. The module is configured to be displayed on a computer display.
In order to solve the above-mentioned problem, the invention according to claim 3 is the configuration according to claim 2, wherein the private price calculation means is an amount obtained by rebating the rental revenue to the value at the beginning of the estimation period. , And a means for calculating the private price by subtracting the rebated rental income from the vehicle price.
In order to solve the above-mentioned problem, the invention according to claim 4 is an automobile purchase support system used when purchasing an automobile, and includes a plurality of input means, tax saving effect calculating means, and output means. Has
The car is scheduled to be used for both private use and rental to others during the estimation period.
Multiple input means
Vehicle price input means for inputting the price of a vehicle scheduled to be purchased,
Use usage input means for inputting the usage of private use and rental use,
Fixed maintenance cost input means for inputting a fixed maintenance cost generated in order to keep the vehicle capable of traveling in the estimation period;
Rental unit price input means for inputting the price per unit time when renting the vehicle to another person during the estimation period,
An expected rental number input means for inputting an expected number of times per unit period for renting the vehicle to another person in the estimation period;
Including tax information input means for entering current income and tax information for that income,
The tax saving effect calculation means calculates the prorated cost according to the prorated amount input by the prorated usage input means for the cost including the vehicle price input by the vehicle price input means and the fixed maintenance cost input by the fixed maintenance cost input means. Calculate the rental income during the estimation period according to the rental unit price entered by the rental unit price input means and the expected rental number entered by the expected rental number input means, and the deficit amount obtained by subtracting the prorated costs from the rental income. It is a means to calculate the tax difference as a tax-saving effect when adding up the income entered by the tax information input means,
The output means displays the tax difference calculated by the tax saving effect calculating means on a computer display or enables printing by a printer.
Vehicle price input means, usage plan input means, fixed maintenance cost input means, rental unit price input means, expected rental number input means, and tax information input means may be implemented in an input device, a computer display, and a computer. The input module includes a window or web page for inputting the vehicle price, usage plan, fixed maintenance cost, variable maintenance cost, rental unit price, estimated rental frequency and tax information. A module that displays on the display
The tax saving effect calculating means is configured by a processor provided in the computer and a tax saving effect calculating module that is implemented or installed in the computer and executed by the processor.

As explained below, according to the invention described in claim 1 of the present application, when considering the purchase of a car, if it is also planned to be used for rental separately from private use, the rental income is expected. You can know the price of the vehicle. For this reason, the purchase cost of the car is apparently reduced. In other words, when the vehicle is rented, it cannot be used at that time, but the vehicle purchase price after subtracting that amount can be known. This makes it easier to make a rational decision as to whether or not to purchase a car that is also planned for rental use.
Further, according to the invention described in claim 2, in addition to the above-mentioned effects, it is possible to calculate the rental revenue after calculating the proportion of the usage plan out of the fixed maintenance cost, and to estimate the price of the private portion based on it. Therefore, the decision on whether to purchase can be made more rationally.
Further, according to the invention described in claim 3, in addition to the above effects, rental revenue is evaluated by rebating at the time of purchase of the car, so that whether or not to purchase is more rational in this respect. be able to.
Further, according to the invention described in claim 4, since the tax saving effect can be confirmed on the assumption that the rental revenue is in the red, it is possible to determine the purchase of the car in consideration of that point.

1 is a schematic diagram of an automobile purchase support system according to a first embodiment of the present invention. It is the figure which showed schematic structure of the motor vehicle purchase assistance program in 1st embodiment. It is the schematic which showed an example of the main window in the motor vehicle purchase assistance system of 1st embodiment. It is the schematic which showed an example of the vehicle information input screen displayed on a display by a vehicle information input module. It is the schematic which showed an example of the maintenance cost input window. It is the schematic which showed an example of the private price display window. It is the schematic of the assistance system of 2nd embodiment. It is the figure which showed schematic structure of the motor vehicle purchase assistance program in 2nd embodiment. It is the schematic which showed an example of the top page of the support site provided by the support server. It is the schematic which showed an example of the vehicle information input page in 2nd embodiment. It is the schematic which showed an example of the tax information input page. It is the flowchart which showed the outline of the tax saving effect calculation module. It is the schematic which showed an example of the tax saving effect confirmation page.

Hereinafter, modes (embodiments) for carrying out the present invention will be described.
The present invention was invented as an automobile purchase support system in order to solve the above problems. The basic feature of the present invention is that when a car is purchased, the car is purchased for both private use and business use, and the business use is for business use as a car rental business for renting to others. That is the point. The present invention is a support system that is suitably used when purchasing a car for both private use and car rental business.

The present invention having such basic features mainly has two aspects. The first aspect is to provide a person who is considering purchasing a car with a certain estimate regarding the purchase of the car based on the above two uses. The second aspect is to provide data on tax saving effects based on the above two uses to those who are considering purchasing automobiles as a tax measure.
As for the first aspect, the automobile purchase support system of the present invention can be regarded as an estimate creation system for automobile purchase (sales). The second aspect can be seen as a tax saving support system that provides materials that show tax saving effects. These aspects are realized as the first embodiment and the second embodiment. This will be specifically described below.

FIG. 1 is a schematic diagram of an automobile purchase support system according to a first embodiment of the present invention. The first embodiment relates to the first aspect of the present invention.
As shown in FIG. 1, the automobile purchase support system according to the first embodiment includes a plurality of input units 11 to 15, a private price calculation unit 2, and an output unit 3. The plurality of input means include vehicle price input means 11, rental unit price input means 12, expected rental number input means 13, fixed maintenance cost input means 14, and variable maintenance cost input means 15.

The vehicle price input means 11 is a means for inputting the price of a vehicle scheduled for purchase. The rental unit price input means 12 is a means for inputting a price per unit time when the vehicle is rented to another person during the estimation period. The expected rental number input means 13 is a means for inputting the expected number of times per unit period for renting the vehicle to another person during the estimated period. The fixed maintenance cost input means 14 is means for inputting the fixed maintenance cost of the automobile in the estimation period, and the variable maintenance cost input means 15 is means for inputting the variable maintenance cost.
The private price calculation means 2 is a means for calculating rental revenue and calculating the private price by subtracting the calculated rental revenue from the vehicle price. The output means 3 is means for outputting these information to a display or a printer.

  More specifically, the automobile purchase support system is configured by mounting or installing an automobile purchase support program (hereinafter simply referred to as a support program) on a computer. FIG. 2 is a diagram showing a schematic structure of the automobile purchase support program in the first embodiment. The support program 4 is composed of a main module 41, various input modules 421 and 422, a private part calculation module 43, an output module 44, a setting module, and the like. The module is a so-called program module and is an element (subprogram) constituting the program.

  The support program 4 is a part of an application (hereinafter referred to as a support application) installed in the computer 5 for automobile purchase support. In this embodiment, the computer 5 is a PC (desktop type, notebook type, etc.) that operates on a general-purpose OS. As is well known, the computer 5 includes hardware such as a keyboard 51 and a mouse 52 as input devices, a processor 53, a storage unit 54 such as a memory and a hard disk, a display 55 and printer 56 as output devices.

The main module 41 is a module that is executed first when the support professional program is started, and is a module that displays a main window of the support program 4.
FIG. 3 is a schematic view showing an example of a main window in the automobile purchase support system of the first embodiment. As shown in FIG. 3, command buttons for each menu are displayed in the main window. Each command button is an execution button for each module as described below.
As shown in FIG. 2, the automobile purchase support program 4 includes a vehicle information input module 421. The vehicle price input means 11 includes a keyboard 51 and a mouse 52 as input means, a display 55, a processor 53, a vehicle information input module 421, and the like.

  As shown in FIG. 3, the main window includes a button (hereinafter referred to as “new estimate button”) 411 written as “new estimate”. A vehicle information input window displayed by the vehicle information input module 421 is linked to the new estimate button. FIG. 4 is a schematic view showing an example of a vehicle information input window displayed on the display by the vehicle information input module 421. When the new estimate button 411 is clicked or tapped (hereinafter referred to as “click” collectively), a vehicle information input window shown in FIG. 4 is displayed on the display.

As shown in FIG. 4, the vehicle information input window includes a vehicle name input field 451, a year type input field 452, a vehicle price input field 453, and the like. In this example, the vehicle name input field 451 is a text box, and the year type input field 452 is a list box, which is a field for selecting either a new car or each year. The vehicle price input field 453 is a text box in which only single-byte numbers can be input.
As shown in FIG. 4, the vehicle information input window has a portion written as “proportion of private use and rental use”, and a bull-down list is provided next to the portion. This bull-down list is a prorated input field 454 in the embodiment. In this embodiment, the usage plan is selected from nine types of 1: 9, 2: 8, 3: 7,..., 8: 2, 9: 1 as private use: rental use. Yes.

  Furthermore, a rental information input frame is provided below the prorated input field 454. The rental information input frame includes a rental unit price input field 455, a rental day selection field 456, and an expected rental number input field 457. In this example, the rental unit price input field 455 is a field for selecting a grade of a car scheduled to be purchased. The grades here are almost the same as those in rental car companies, for example, domestic cars 1000 to 1500cc compact cars "A", domestic cars 1600-2000CC sedan "B", domestic cars Minivan is "C", domestic car over 2000cc sedan is "D", domestic car 1Box is "E", foreign car middle grade is "F", foreign car high grade is "G", small truck for transportation For example, “H” and large truck for transportation “I”. The grade here is for obtaining a rental unit price, and corresponds to a category rather than a grade of a car.

As will be described later, the rental unit price is automatically selected by the program according to the selected grade. Therefore, the input here is an indirect rental unit price input.
The rental day selection column 456 is a column for selecting whether to rent mainly on weekdays or on Sundays and holidays. In this example, it is a radio button.
The rental frequency input column 457 is a column for inputting the expected number of monthly rentals. Since the input is for the purpose of rough prediction of rental income, it is a column for predicting and inputting how many times (how many days) the rental usage for 12 hours per day is in a month. This column is also a pull-down list, for example, a column for selecting one from about 1 to 20 times.

  As shown in FIG. 4, the vehicle information input window is provided with a command button (hereinafter referred to as “maintenance cost input button”) 458 labeled “input maintenance cost of vehicle”. On the other hand, as shown in FIG. 2, the support program 4 includes a maintenance cost input module 422. The maintenance cost input module 422 is a module that displays a maintenance cost input window on the display, and the maintenance cost input button 458 is linked to the maintenance cost input window.

FIG. 5 is a schematic diagram showing an example of the maintenance cost input window. As shown in FIG. 5, in the maintenance cost input window, an automobile tax input field 459, a vehicle inspection fee input field 460, a parking lot fee input field 461, an optional insurance fee input field 462, a fuel cost input field 463, and the like are provided.
Many of the columns 459 to 463 are columns in which the maintenance cost input module 422 calculates default values based on information input in the vehicle information input window and is described in the columns 459 to 463 in advance. Each column 459 to 463 is an editable text box (only half-width numbers can be input).

  Specifically, when the maintenance cost input button 458 is clicked, the maintenance cost input module 422 selects a vehicle tax and a vehicle inspection allowance according to the grade input in the rental unit price input field 455, and the vehicle tax input field 459, It is programmed to be displayed in the proxy input field 460. When the support application is installed, several constant files in which constants used for the support program 4 are recorded are also stored in the storage unit 54 of the computer 5 at the same time. These constant files include a file that records the amount of automobile tax according to each grade, and a file that records the average amount of vehicle inspection allowance according to each grade. The maintenance cost input module 422 refers to the information of these files and displays each default value in the vehicle tax input field 459 and the vehicle inspection allowance input field 460.

  Although explanation is omitted, in this embodiment, evaluation (estimation) of automobile purchase is performed over a span of 5 years. Therefore, it is assumed that there is at least one vehicle inspection. If the vehicle is not a new vehicle, there may be two vehicle inspections. In this case, the value in the vehicle inspection allowance input field is doubled.

  As shown in FIG. 5, the maintenance cost input window is provided with a command button (hereinafter referred to as “individual portion calculation button”) 464 labeled “Calculate own portion price”. The private portion calculation button 464 is an execution button of the private portion calculation module 43. The private portion calculation module 43 is executed with the values input in the vehicle information input window and the maintenance cost input window as arguments.

  The private portion calculation module 43 is a module that calculates a private portion price based on each value input in the vehicle information input window and the maintenance cost input window and displays it in the private portion price display window. Specifically, the rental revenue per month is calculated by multiplying the rental unit price in units of 12 hours at a time according to the grade and the number of rentals per month, which is 60 times (12 months x 5 years) And calculate rental income for five years. Then, among the maintenance costs entered in the maintenance cost input window, the fixed maintenance costs are multiplied by the usage plan (in this example, 20%) to calculate the maintenance costs for five years. That is, the automobile tax is 5 times, the car inspection fee is 1 time, the parking lot fee and the fuel cost are 60 times, and the voluntary insurance premium is 5 times. In addition, the automobile acquisition tax is also added as a certain cost. The total amount of these expenses is calculated and used as rental expenses. Then, the balance for 5 years (rental revenue-expense) is calculated. Then, the profit is deducted from the vehicle price to obtain the private price. Note that the variable maintenance cost is only the fuel cost in this example, but since the fuel cost at the time of rental is borne by the user (the person who rented the car), it is not included in the cost in the rental business.

The private portion calculation module displays the calculated private portion price in the private portion price display window. FIG. 6 is a schematic view showing an example of a private price display window.
As shown in FIG. 6, in the private price display window, the vehicle price, annual maintenance cost, and annual expected rental income are displayed, and then the current private price obtained by subtracting the revenue for five years from the vehicle price. The minute price is displayed.
Since rental revenue and maintenance costs are cash flows for the future of five years, it is desirable to discount them to the present value by the DCF method in order to evaluate them at the time of considering the purchase. Specifically, the rental revenue P for n years (n = 1 to 5) is P / (1 + r) ⁿ , and the revenues P for each year of 1 to 5 years are totaled and subtracted from the vehicle price. r is a discount rate.
In addition, since rental income is in the black, business tax and income tax may actually be incurred. Therefore, it is more preferable that the amount after tax after subtracting these taxes is used as rental revenue and is subtracted from the vehicle price to be the private price.

  According to the support system of such an embodiment, when a car is purchased, if it is also planned to be used for rental separately from private use, it is possible to know the price of the vehicle in anticipation of rental income. it can. For this reason, the purchase cost of the car is apparently reduced. In other words, when the vehicle is rented, it cannot be used at that time, but the vehicle purchase price after subtracting that amount can be known. This makes it easier to make a rational decision as to whether or not to purchase a car that is also planned for rental use.

  Although not described, the support system of the embodiment is customized for a salesman of an automobile sales company (so-called dealer). That is, the support system of the embodiment is a suitable tool when a salesman recommends a potential customer to purchase a car (mainly a new car). More specifically, the support application includes a customer information file and an estimate result file. When the support application is installed in the computer, these files are also stored in the storage unit 54 of the computer. The

  The customer information file is a database file in which records including fields such as “customer ID”, “customer name”, “customer address” are recorded. Estimated result files are “customer ID”, “vehicle name”, “year”, “vehicle price”, “use plan”, “rental unit price”, “number of rentals”, “car tax”, “car inspection fee” , A database file in which records including fields such as “parking fee”, “fuel cost”, “in-house price” are recorded. Each field of the estimation result file is a field in which each information input in the vehicle information input window or the maintenance cost input window is recorded. As shown in FIG. 6, the private price display window includes a save button. When the save button is clicked, an estimate ID is newly issued, a record is added to the estimate result file, and each information is recorded in each field.

  As shown in FIG. 3, the top window includes a button labeled “customer information input”. When this button is clicked, a window for inputting customer information is displayed. There are a registration button and an input field for each information. When each information is entered and the registration button is clicked, a new customer ID is issued and a new record is added to the customer information file. Each information is recorded in each field.

  Although explanation is omitted, when the new estimate button 411 is clicked, a column for entering a customer ID is displayed, and the customer ID inputted there is temporarily stored in a memory variable. The customer ID is also displayed for confirmation in the vehicle information input window shown in FIG. 4 and the private price display window shown in FIG. When the save button 465 shown in FIG. 6 is clicked to save the estimate result file, it is read from the memory variable and recorded in the “customer ID” field of the estimate result file.

  In the estimate result file, an estimate for each customer is recorded in each record. By searching by customer ID, the estimate result of a desired customer can be confirmed later. That is, as shown in FIG. 3, the top window is provided with a command button labeled “browse estimation result”. This button is linked to a field for inputting either a customer ID or a customer name, and a search is performed based on the information input here, and an estimate result for a desired customer (individual price display shown in FIG. 6). Window) can be displayed on the display.

  Further, as shown in FIG. 6, a print button 466 is provided in the private price display window. The print button 466 is a button for printing out the content displayed in the home price display window in a predetermined form. Since this embodiment is for a dealer salesman, a template file to be printed out as a proposal to a customer is included in the support application, and the contents are printed by being incorporated in this template.

  In addition, in the case of an application used by a person considering the purchase of an automobile, not for a salesman, the customer information file is not particularly included, and the estimation result file is not particularly used as a database. In this case, the estimation result file is a file in which information for one record in the case of the database is simply recorded, and is stored in the storage unit 54 of the computer 5 with an arbitrary file name so that the information can be redisplayed by the support program 4. File that can be done.

Next, a second embodiment of the present invention will be described.
As described above, the second aspect of the present invention is an aspect of providing materials related to tax saving effects when purchasing a car for both private use and rental purposes. This is a support system from this viewpoint.
Similarly to the first embodiment, the support system according to the second embodiment includes a computer 6 and a support program 7 installed in the computer 6. In the second embodiment, unlike the first embodiment, the computer 6 is a server (web server) on the Internet, and the support program 7 is implemented on the web server 6. However, the support system of the second embodiment can also be configured by a stand-alone computer, as in the first embodiment.

  FIG. 7 is a schematic diagram of the support system of the second embodiment. The support system according to the second embodiment includes a plurality of input units 811 to 816, a tax saving effect calculating unit 82, and an output unit 83. The plurality of input means includes vehicle price input means 811, usage plan input means 812, fixed maintenance cost input means 813, variable maintenance cost input means 814, rental unit price input means 815, and expected rental number input means 816. These input means 811 to 816 are means for inputting information in the client 9 that has accessed the web server 6. The output means is means for returning information to the client 9 and displaying it on the client 9. As is well known, the client 9 accesses the web server 6 via the Internet 91.

  FIG. 8 is a diagram showing a schematic structure of the automobile purchase support program in the second embodiment. As shown in FIG. 8, the support program 7 includes a main module 71, various input modules 721 to 724, a tax saving effect calculation module 73, an output module 74, and the like. A web server program 60 such as Apache is installed in the web server 6. The support program 7 is a part of server application software (hereinafter referred to as a server application) installed in the web server 6. The web server 6 provides a car purchase support site. Hereinafter, this site is abbreviated as a support site, and the web server 6 is referred to as a support server. The server application includes various HTML files 601 for providing a support site. The HTML file is stored in the storage unit 600 of the support server 6. In the first embodiment, each information is input in a window, but in the second embodiment, it is performed in a web page provided by each HTML file 601.

FIG. 9 is a schematic diagram showing an example of the top page of the support site provided by the support server 6. The top page of the support site is registered in the search engine to hit with keywords such as “car”, “purchase”, “tax saving”, and “car rental”.
In this embodiment, the support site is a membership system. As shown in FIG. 9, a member registration button 611 is provided on the top page. When the member registration button 611 is clicked, a member registration page is displayed. Since the technical configuration for member registration is the same as that of a normal membership system site, description thereof is omitted. When member registration is performed, the member ID and password are notified to the user by e-mail or the like.

As shown in FIG. 9, a login button 612 is provided on the top page. When the login button 612 is clicked to log in, the top page of the member area (hereinafter referred to as the member top) is displayed. Each member service menu is displayed on the member top, and includes a tax saving effect confirmation service. When you click the command button for this service, the vehicle information input page is displayed.
FIG. 10 is a schematic view showing an example of a vehicle information input page in the second embodiment. The vehicle information input page in the second embodiment includes a vehicle price input field 613, a purchase format input field 614, a usage plan input field 615, a rental unit price input field 616, an expected rental number input field 617, and the like.

The vehicle price input field 613, the usage plan input field 615, the rental unit price input field 616, and the expected rental frequency input field 617 are the same as in the first embodiment. The purchase format input field 614 is selected from purchase, lease, and credit (installment payment). In this example, it is a radio button. In this embodiment, in order to avoid complication of tax saving estimation, the lease and credit periods are set to 6 years. For the interest rate of the lease fee and the annual interest rate of credit, average values are set in the support program 7 as constants.
Unlike the first embodiment, the second embodiment is based on the premise that rental revenue will be in the red as will be described later. Therefore, a slightly predicted value is input as the expected rental number.

As in the first embodiment, a maintenance cost input button 618 is provided on the vehicle information input page. When the maintenance cost input button 618 is clicked, a maintenance cost input page is displayed. Similarly, the maintenance cost input page is provided with an automobile tax input field, a car inspection fee input field, a parking fee input field, a gasoline fee input field, an optional insurance fee input field, and the like. These are the same as in the first embodiment.
The maintenance cost input page of the second embodiment is provided with a button labeled “input tax information” (hereinafter, tax information input button). As shown in FIG. 7, the support program 7 includes a tax information input module 722, and the tax information input module 722 displays a tax information input page on the client 9.

  FIG. 11 is a schematic diagram illustrating an example of a tax information input page. As shown in FIG. 11, on the tax information input page, it is requested to input information on the income status and taxation status of the previous year. In this embodiment, it is assumed that a salaried worker (salary earner) operates a private car rental business as a side business (side business), so a salary income input field 619, an income deduction input field 620, and a tax deduction input The page is provided with a column 621 and the like.

In the salary income input field 619, the salary income of the previous year is input, and in the income deduction input field 620, the total amount of income deduction such as spouse deduction is input. The tax credit entry field 621 is entered if a tax credit such as a so-called mortgage tax cut is received.
On the tax information input page, a command button (hereinafter referred to as a tax saving effect confirmation button) 622 labeled “Confirm tax saving effect” is provided. The tax saving effect confirmation button 622 is an execution button of the tax saving effect calculation module 73.

FIG. 12 is a flowchart showing an outline of the tax saving effect calculation module 73.
As shown in FIG. 12, the tax saving effect calculation module 73 first calculates an expense amount for each year of 1 to 6 years when a car is acquired. That is, when purchase is selected in the purchase format input field 614 of the vehicle information input page, a value obtained by multiplying 1/6 of the vehicle price by the prorated amount input in the prorated amount input field 615 to the depreciation cost. Is acquired as rental depreciation expenses. Also, out of the information entered on the maintenance cost entry page, the car inspection fee will be amortized in a lump in the third and fifth years, and will be added to the expenses in the third and fifth years. The other maintenance costs are assumed to be a fixed amount every year, and are the expenses for each year. The tax saving effect calculating module 73 multiplies the maintenance cost calculated for each year by the prorated amount input in the prorated amount input field 615 to obtain the expense for each year of the rental usage (business usage). These expenses are added to prorated cost depreciation expenses to make the total expenses for each year.

Also, if a lease is selected in the purchase format entry field 614, the monthly lease fee up to the sixth year is assumed to be a fixed amount, and the monthly lease fee calculated from the vehicle price is multiplied by the amount of the proposed usage. The calculated value is included in expenses. Then, in the same manner as described above, the maintenance costs for each year are calculated and added to obtain the total cost for each year.
In addition, when credit is selected in the purchase format input field 614, similarly, 1/6 is used as the depreciation cost for each year, and the annual interest rate that is a constant is multiplied by the vehicle price to calculate the interest expense for each year. , It is included in expenses. Then, in the same way as above, the maintenance costs for each year are calculated and added to obtain the total cost for each year.

Furthermore, the tax saving effect calculation module 73 acquires the rental unit price in units of 12 hours at a time according to the grade, as in the first embodiment. Then, multiply the estimated number of rentals per month by 12 to calculate the rental income for one year.
Then, the tax saving effect calculating module 73 calculates the profit amount by subtracting the total expenses for each year from the rental income for each year. Usually, this amount is expected to be in the red.
Next, the tax saving effect calculation module 73 calculates a tax amount that takes into account business income according to the information input on the tax information input page and the calculated rental business income in red. That is, the income tax surplus and rental business income deficit are added to the profit and loss to recalculate the tax. Further, the tax saving effect calculation module 73 calculates the income tax amount from the current tax information input on the tax information page. Since these can be done in the same way as ordinary final tax filing software, the detailed explanation is omitted.

The tax saving effect calculation module 73 calculates the difference between the tax amount for each year of 1 to 6 years and the current tax amount and sets it as the tax saving amount. Then, the tax saving effect calculation module 73 embeds each calculated amount in the tax saving effect confirmation page and sends it back to the client 9 for display on the client 9. This completes the tax saving effect calculation module 73.
FIG. 13 is a schematic diagram illustrating an example of a tax saving effect confirmation page. As shown in FIG. 13, the tax saving effect confirmation page displays the main values input on each input page for confirmation, and displays the calculated tax savings for each year of 1 to 6 years. It has become.

  Users who are considering purchasing a car are interested in proposals for support sites that will be used for tax savings for some rental purposes. After registering as a member, enter each information, and click the tax saving effect confirmation button 622. click. As a result, the tax saving effect confirmation page shown in FIG. 12 is displayed on its own computer (client 9). Users will rent their cars several times a month, but will see the tax savings they get in exchange. Each maintenance cost entered in the maintenance cost input field is basically a cost that is incurred regardless of whether the rental is performed. The fuel cost for rental is borne by the user who rented the car, so it is not borne by the owner. Therefore, the basic idea is how to consider the tax-saving effect in return for restricting the use of the rental service. If you think there is a merit for the tax-saving effect, you decide to buy the car. If rental revenues are in the black, there will be no tax savings, but in that case the rental revenue will reduce the price of the vehicle for private use, the first embodiment As in, this is an incentive to buy a car.

  As described above, in the first embodiment, assuming that the rental income is in the black, the vehicle price is estimated by subtracting that amount, thereby providing an incentive for purchasing the automobile. In the second embodiment, assuming that the rental revenue is in the red, the tax saving effect is estimated for that amount and presented as an incentive to purchase a car. Both of these embodiments have a technical configuration that brings about a significant significance for promoting the purchase of automobiles in the recent days when the eviction of leaving the car is screamed.

  Note that the support site of the second embodiment may be a website that provides vehicle information. This site provides information on new cars, but at this time, it proposes to purchase a certain car for rental business, and informs the user that the tax saving effect can be confirmed in that case. This type of website is often made up of advertising revenue from advertisements posted by dealers. It is assumed that the tax saving effect confirmation service is used on the condition that an email address is registered in membership registration when the service is used, and an advertisement mail of a dealer is distributed.

  The service may be provided on the dealer's own website. Dealers make the above proposals when purchasing their own cars, and recommend car purchases, including tax savings. At this time, the website is accessed and each information is entered to confirm the tax saving effect. You can confirm tax saving effect by listening to tax information and entering it by a dealer salesman, but tax information is personal information and you do not want to disclose it to a third party as a user, so enter it yourself It is often preferable to confirm the tax saving effect.

  In each of the first and second embodiments, a person who has purchased a car is a car rental business operator, and accordingly, obtains business permission as appropriate and operates a car rental business. If this business permit is troublesome for an individual or the like, a third party such as a dealer may become a car owner and be used in a rental car type car sharing system. In this case, the person who was going to purchase becomes the main borrower, and the person is rented out (car sharing) on another day and time when the person does not use it.

Further, in the second embodiment, for simplicity of explanation, the period is set to 6 years and is limited to the case of a passenger car. However, even if the tax effect is calculated on the assumption that it is used even after depreciation. In this case, only the maintenance cost is included in the cost. Further, in the case of trucks other than passenger cars, the depreciation period is different, and basically the same can be done.
It should be noted that since the tax saving effect also affects the local tax, it is more preferable to calculate and display the tax saving (tax difference) not only on the income tax (national tax) but also on the local tax.

Further, in each embodiment, the variable maintenance cost is not included in the rental cost, but strictly speaking, the consumption of the vehicle increases due to the rental use, and thus is often included. Accordingly, repair costs (variable maintenance costs) such as engine oil replacement and tire replacement may be included in the cost by multiplying the amount of usage.
In addition, about a rental unit price, a support program may determine automatically according to a vehicle name and a model year. This is because if you know the car name and model year, you can know the grade of the car and the unit price for rental. In this case, a file storing a correspondence table (table) of rental unit prices corresponding to the vehicle name and year is provided, and the support program is programmed to determine the rental unit price by referring to the file. In this case, the vehicle name and year input means is the rental unit price input means.

11 Vehicle price input means 12 Rental unit price input means 13 Expected rental number input means 2 Private price calculation means 3 Output means 4 Support program 41 Main module 421 Vehicle information input module 422 Maintenance cost input module 43 Private price calculation module 44 Output module 5 Computer 51 Keyboard 52 Mouse 53 Processor 54 Storage unit 55 Display 56 Printer 6 Support server 7 Support program 71 Main module 721 Vehicle information input module 722 Tax information input module 73 Tax saving effect calculation module 74 Output module 811 Vehicle price input means 812 Input means 813 Fixed maintenance cost input means 814 Variable maintenance cost input means 815 Rental unit price input means 816 Expected rental times input means 82 Tax saving effect calculation means 83 Force means 9 client 91 Internet

Claims (4)

A vehicle purchase support system used when purchasing a vehicle, comprising a plurality of input means, a private price calculation means, and an output means,
The car is scheduled to be used for both private use and rental to others during the estimation period.
Multiple input means
Vehicle price input means for inputting the price of a vehicle scheduled to be purchased,
Rental unit price input means for inputting the price per unit time when renting the vehicle to another person during the estimation period,
And an expected rental number input means for inputting an expected number of times per unit period for renting the vehicle to another person during the estimation period,
The private price calculation means calculates rental income during the estimation period according to the rental unit price input by the rental unit price input means and the expected rental count input by the expected rental count input means, and the calculated rental revenue is calculated as vehicle price input means. Is a means of calculating the price of the house by subtracting from the vehicle price entered in
The output means displays the private price calculated by the private price calculation means on a display or enables printing with a printer.
The vehicle price input means, the rental unit price input means, and the expected rental number input means are configured by an input device provided in the computer, a display of the computer, and an input module mounted or installed in the computer. This is a module that displays a window or web page on the computer display for entering the price, rental unit price and expected number of rentals.
The home purchase price calculation means comprises a processor provided in a computer and a home price calculation module that is installed or installed in the computer and executed by the processor. The plurality of input means include fixed maintenance cost input means for inputting a fixed maintenance cost that is generated in order to keep the vehicle capable of traveling in the estimation period,
The private price calculation means is a means for calculating the private price by subtracting a fixed maintenance cost from the rental income after calculating the rental income, and subtracting the obtained rental revenue from the vehicle price.
The fixed maintenance cost input means includes an input device provided in the computer, a display of the computer, and an input module mounted or installed in the computer. The input module displays a window or web page for inputting the fixed maintenance cost. 2. The automobile purchase support system according to claim 1, wherein the system is a module for displaying on a display of a computer.   The private price calculation means calculates the private price by subtracting the rental revenue of the rebated amount from the vehicle price, with the rental revenue being rebated to the initial value of the estimation period. The automobile purchase support system according to claim 2, wherein the vehicle purchase support system is a means. A vehicle purchase support system used when purchasing a vehicle, comprising a plurality of input means, tax saving effect calculation means, and output means,
The car is scheduled to be used for both private use and rental to others during the estimation period.
Multiple input means
Vehicle price input means for inputting the price of a vehicle scheduled to be purchased,
Use usage input means for inputting the usage of private use and rental use,
Fixed maintenance cost input means for inputting a fixed maintenance cost generated in order to keep the vehicle capable of traveling in the estimation period;
Rental unit price input means for inputting the price per unit time when renting the vehicle to another person during the estimation period,
Expected rental number input means for inputting the expected number of times per unit period for renting the vehicle to another person in the estimation period;
Including tax information input means for entering current income and tax information for that income,
The tax saving effect calculation means calculates the prorated cost according to the prorated amount input by the prorated usage input means for the cost including the vehicle price input by the vehicle price input means and the fixed maintenance cost input by the fixed maintenance cost input means. Calculate the rental income during the estimation period according to the rental unit price entered by the rental unit price input means and the expected rental number entered by the expected rental number input means, and the deficit amount obtained by subtracting the prorated costs from the rental income. It is a means to calculate the tax difference as a tax-saving effect when adding up the income entered by the tax information input means,
The output means displays the tax difference calculated by the tax saving effect calculating means on a computer display or enables printing by a printer.
Vehicle price input means, usage plan input means, fixed maintenance cost input means, rental unit price input means, expected rental number input means, and tax information input means may be implemented in an input device, a computer display, and a computer. The input module displays a window or web page on the computer display for inputting the vehicle price, the usage plan, the fixed maintenance cost, the rental unit price, the expected rental number and tax information. Module,
The tax saving effect calculating means comprises a processor provided in a computer and a tax saving effect calculating module that is implemented or installed in the computer and executed by the processor.

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