Arrangements for deriving financial benefits from equity...

Details Arrangements for deriving financial benefits from equity... Arrangements for deriving financial benefits from equity...

G - Physics

06

Q

G06Q 40/00 (2006.01)

Patent

CA 2621541

A system and method for providing equity based benefits to a person dependent upon equity in property owned by the person is disclosed. The method (2200) is implemented on a computer based system (600) and comprises securing (810, 210) a loan secured by a proportion of the equity, the loan having a principal value for a defined term, repaying (816, 216) the loan by periodically paying a simple interest charge being a fixed proportion of the principal, investing (811, 211) a residual of the loan, if an equity-based retirement savings option is elected accumulating (824) earnings from the invested residual of the loan, and if a life-expectancy retirement annuity option is elected, making (213) a periodic payment from the residual of the loan; wherein the principal value of the loan becomes due for repayment at the end of the term.

Système et procédé permettant à une personne de tirer des avantages financiers d'un bien immobilier acquis. Ce procédé (2200), qui est mis en oeuvre dans un système informatique (600), consiste: à contracter (810, 210) un emprunt garanti par une partie du bien immobilier, emprunt comprenant un volet Capital assorti d'un échéance définie; à rembourser (816, 216) l'emprunt par paiement périodique d'un intérêt simple correspondant à une fraction fixe du capital, à investir (811, 211) un partie résiduelle de l'emprunt; dans le cas de l'option économies pour retraite sur bien immobilier, à accumuler (824) les gains procurés par la fraction résiduelle investie de l'emprunt; ou, dans le cas de l'option annuité pour retraite en fonction de l'espérance de vie, à effectuer (213) un versement périodique à partir de la fraction résiduelle de l'emprunt. Le remboursement de la valeur du capital de l'emprunt est exigible pour remboursement à échéance.

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