Abstract: Methods and systems permit data management for promoting repayment of loans, such as mortgage loans. In an example embodiment, a remuneration account may be established and associated with a loan or mortgage loan. The remuneration account represents a monetary remuneration amount conditionally payable to a borrower on the loan upon satisfaction of a repayment condition of the loan. Delinquency information representing whether or not the borrower is delinquent on a payment of the loan is monitored. The delinquency information can be associated with the remuneration account value. By examining the delinquency data, all or a portion of the remuneration account value can be released as a function of the examination of the delinquency data by the digital processor, such as by making payment of the remuneration to the borrower upon satisfaction of the repayment condition or cancellation of the remuneration account upon detection of delinquency or default conditions.