Abstract: A method is disclosed for determining a repayment amount on a loan that is dependent on an initial value of a property. The method uses input data comprising the initial value of the property, a term for repayment of the loan, a first time for which the repayment amount is to be determined and a current value of the property at the first time. The current value of the property is compared (step 804) with the initial value of the property to determine whether there is a value-based loss or a value-based gain. The method checks (step 802) whether the first time is earlier than the term for repayment. In the event of a prepayment, the repayment amount is determined (step 806) independent of the current value of the property if there is a value-based loss (e.g. using the initial value of the property). The repayment amount is determined (step 808) dependent on the current value of the property if there is a value-based gain.

Abstract: A process, system, software arrangement and storage medium are provided for facilitate an ability (or provide a model) to determine a repayment value on a loan and/or an investment for an asset (e.g., using a processing arrangement). In particular, first data associated with at least one of an actual time or an estimated time when the loan remains unpaid is obtained. In addition, second data associated with at least one of a sale price of the asset or a valuation of the asset is obtained at the time the loan/investment is satisfied. Further, the repayment value is determined based on, at least in part, the first data and the second data. In addition, a further process, system, software arrangement and storage medium are provided to establish the conditions for a loan of an asset (e.g., using the processing arrangement). The terms of the loan may be established based on data associated with unmodifiable terms of the loan provided by a borrower of the loan.

Abstract: A process, system, software arrangement and storage medium are provided for facilitate an ability (or provide a model) to determine a repayment value on a loan and/or an investment for an asset (e.g., using a processing arrangement). In particular, first data associated with at least one of an actual time or an estimated time when the loan remains unpaid is obtained. In addition, second data associated with at least one of a sale price of the asset or a valuation of the asset is obtained at the time the loan/investment is satisfied. Further, the repayment value is determined based on, at least in part, the first data and the second data. In addition, a further process, system, software arrangement and storage medium are provided to establish the conditions for a loan of an asset (e.g., using the processing arrangement). The terms of the loan may be established based on data associated with unmodifiable terms of the loan provided by a borrower of the loan.

Abstract: A novel financial product and associated data processing system provide risk abatement to purchasers and/or owners of real estate and/or other assets that are financed and are subject to market valuation changes. The product includes application of a time dependent property index value for adjusting a future payment associated with said property, such as mortgage debt repayment, in response to declining property values. The system permits enhanced and expanded lending in targeted neighborhoods on a selected basis.

Abstract: A novel financial product and associated data processing system provide risk abatement to purchasers of real estate and/or other assets that are financed and are subject to market valuation changes. The product includes application of a time dependent property index value for adjusting mortgage debt repayment in response to declining property values. The system permits enhanced and expanded lending in targeted neighborhoods on a selected basis.