| 摘要 |
600239 An automated method in a data processing system and the data processing system for predicting income derived from an anticipated future benefit (Horizon Gain) are disclosed. In the method: the values for (i) an initial value for an asset owned by a borrower with the asset may increase or decrease in value over time; (ii) a Horizon Gain Allocation percentage, expressed in favour of a lender; (iii) the lender’s target return value; (iv) a gearing factor, wherein the system to forecast a potential growth in asset value and therefore a Horizon Gain Allocation Value (HGAV) for any future time interval, for the gearing factor entered; and, (v) a value representing the number and size of Asset Divisions (AD) are inputted into user fields in a first database. One or more databases populated with values for one or more selected future time divisions for the borrower’s asset over one or more AD’s before optimisation are generated. The values are: (i) an agreed periodic payment from the lender to the borrower based on an ongoing principal value (IP) calculated according to the formulae 1:“TB0 x HGAi x R x MRCc0 = IP”; and, (ii) an amount payable to a lender upon occurrence of a redemption event, calculated by selecting the greater of x) an agreed proportion of appreciation of the asset (HGAV); or, y) qualifying outgoings (QO). The value of QO and HGAV may be first adjusted by multiplication with a coefficient calculated or selected in relation to borrower or lender criteria. In formulae 1: MRCc0 is a mandatory redemption criteria coefficient; R is a coefficient chosen to optimize IP based on nominated lender and borrower returns at year n and borrower selected variables; HGAi is a horizon gain allocation proportion at time = I expressed in favour of the lender; and, TB0 is the transaction base calculated from the asset value according to the formulae 2“ADV0 - (M)TC0 - (P)LS0 = TB0”. In formulae 2: TC0 comprises transaction costs; M is a coefficient chosen to weight the significance in value of TC0; P is a coefficient chosen to weight the significance in value of LS0; LS0 comprises any lump sum payment including any premium loading made by the lender; and, ADV0 is the asset division value calculated from formulae 3“AV0 x ADP = ADV0”. In formulae 3: ADP is the asset division proportion input by a user; and AV0 is the whole of asset value. A visual display is then created based on the values in the database or databases to represent predicted income derived from the anticipated future benefit. |
