ࡱ> 7 'bjbjUU "7|7|#l<&<&<&<&\&s'''''ddduswswswswswsws$t wjsdUdddsf''O-sfffd"''usfdusf$f9k9k'' ָ|:%<&d^9k9k<s0s9knw?enw9kfUSE CASE MODEL Here are the use case models for our software project:   Actor: business users Buyer qualification Use Case Collect personal data Perform calculations Show buyer qualification Print report  Actor: customers Use Case name:Buyer QualificationDefinition:Computes the maximum amount of purchasing power, given the income and debt of the borrower and the interest rate of the proposed loan. To do this the total monthly payment, including the principal and interest, property tax, hazard insurance and mortgage insurance (if required) are added to the borrowers existing consumer debt (lasting more than 6 months) and this total is then compared to the borrowers income. If the selling price is know that income to debt ratio is computed.Notes:   Actor: business users Cost comparison Use Case Collect financial data Perform calculations Show cost comparison Print report  Actor: customers Use Case name:Cost ComparisonsDefinition:Creates a side by side comparison of up to three loan programs. It is generally used by real estate agents during an open house sales presentation to gain buyer interest. Because the program only generates 10 pt. courier output it is generally printed over a letter head or some sort of attractive background to make it more appealing from a marketing stand point.Notes:   Actor: business users P.I.T.I. calc. Use Case Collect financial data Perform calculations Show P.I.T.I. calculations Print report  Actor: customers Use Case name:P.I.T.I. CalculationsDefinition:Computes the Principal Interest Tax and Insurance elements of the total monthly loan repayment schedule. Principal and interest are the monthly payment most people have in mind, but there are also the real estate taxes, hazard insurance and mortgage insurance (generally required if the down payment is less than 20% of the selling price) to be considered. The total payment P.I.T.I. is an important consideration in loan qualification.Notes:   Actor: business users Loan comparisons Use Case Collect loan data Perform calculations Show comparison report Print report  Actor: customers Use Case name:Loan ComparisonsDefinition:Gives the loan originator the ability to be a loan consultant. Using this program the LO can guide the borrower to the best loan option. It accomplishes this by calculating the actual cost of a loan over a given amount of time. The cost to originate the loan is added to the interest paid and compared to the loan balance at some time in the future to determine the lowest actual cost. For example a loan that cost 10% (10 points) to originate would cost more than one that cost only 2 points, but what if the one that cost 10 points had an interest rate of 2% and the one that cost 2 points to originate had an interest rate of 10%. Notes:   Actor: business users Mortgage refinance Use Case Collect loan data Perform calculations Show refinance report Print report  Actor: customers Use Case name:Mortgage RefinanceDefinition:Compares the borrowers current loan to a proposed one. It computes the difference in payments and the difference in loan balances given a point in the future. It also computes the number of months necessary to regain the cost of originating the new loan. An old rule of thumb is don't refinance until the rate is at least 3% lower than the current loan. This program typically proves the foolishness of that rule of thumb.Notes:  Actor: business users Amortization schedule Use Case Collect financial data Perform calculations Show amortization info Print report  Actor: customers Use Case name:Amortization SchedulesDefinition:This part of the program uses input from users to produce amortization schedules.Notes:   Actor: business users Fixed rate vs. ARM Use Case Collect financial data Perform calculations Show report Print report  Actor: customers Use Case name:Fixed Rate Loan vs ARMDefinition:Compares a fixed rate mortgage to a adjustable rate mortgage. It produces a best and worst case scenario given the number of months a borrower intends to keep the mortgage. In general the ARM will win out if the retention period is short. Some types of adjustable rate financing (negative amortization allowed) can be desirable for some borrowers because they allow the borrower to keep the payments low by tacking the difference on to the loan balance (pay me now, pay me later).Notes:   Actor: business users Financial calculator Use Case Collect five elements data Perform calculations Show report Print report  Actor: customers Use Case name:Financial CalculatorDefinition:Computes the five elements (loan amount, monthly payment, loan term, interest rate and loan balance) of a simple financial calculator. It computes any one of the four elements (loan amount, payment, term, interest rate when only three of the elements are known. If I know the term, interest rate and loan amount what is the monthly payment? If I know the payment, term and loan amount what is the rate? It also computes the future loan balance when the four elements are given along with a future date (number of months the loan is in force). Therefore I can know how much I will owe in 60 months if I make all my payments on time for a given loan amount, rate, payment amount and loan term.Notes:  Actor: business users Closing cost estimate Use Case Collect financial data Perform calculations Show estimate report Print report  Actor: customers Use Case name:Closing Cost EstimateDefinition:Calculates the actual cost of obtaining the loan including all the various elements. It also computes the monthly PITI payment and as an option will compute the APR.Notes:  Actor: business users Sellers net proceeds Use Case Collect financial data Perform calculations Show net proceeds report Display schedule Print reports  Actor: customers Use Case name:Sellers Net ProceedsDefinition:Calculates the cost to the seller for a sales transaction, including the closing costs associated with selling a home and the real estate commissions. It also includes an investment schedule should the seller opt to invest some of the proceeds.Notes:   Actor: business users Rent vs. Buy Use Case Collect home data Perform calculations Show reports Print reports  Actor: customers Use Case name:Rent vs BuyDefinition:Compares the cost of renting to home ownership. All the elements are considered including the estimated appreciation of the property, the equity to be gained, over time, in the home and the tax advantages.Notes: Actor: business users Saving user data Use Case Store user info to the DB  Actor: customers Use Case name:Saving User DataDefinition:Save user specific information into a database management system for later retrieval. Notes:Will be implemented on a case-by-case basis.  Actor: business users Retrieving user data Use Case Choose a user Retrieve info from the DB  Actor: customers Use Case name:Retrieving User DataDefinition:Retrieves user specific data from the database management system for form generation. This data may be edited and saved back into the database management system.Notes:  Actor: business users Deleting user data Use Case Choose a user Delete their data  Actor: customers Use Case name:Deleting User DataDefinition:Deletes old or inaccurate user accounts from the database management system.Notes: Actor: business users Program variables Use Case Change program settings  Actor: customers Use Case name:Program VariablesDefinition:All the assumptions and defaults made by the program are listed and can be changed by the program user.Notes:  Actor: business users Help system Use Case Help using the program Help setting up accounts Loan descriptions Menu item descriptions  Actor: customers Use Case name:Help systemDefinition:This is the part of the system that contains the help files, and is intended to help the user understand how the program operates and what its functions are. Perhaps the most important part of this system is the ability to find out more about what each of the reports mean.Notes: There are currently only a few actors in our system, because it's a standalone application (not connected to external actors such as web and database servers), and is targeting a specific group of users. Actor name:Business usersDefinition:People who could use the program to advise clients about their home-mortgaging possibilitiesNotes:Other business uses are possible.Actor name:CustomersDefinition:The people who are interested in mortgaging their home, and want to use the features of the program themselves.Notes:Packaging this product along with some of the company's other products and allowing customers to run it on their own would add value, and the product could also be sold by itself. 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