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Arr Planner (2983) · RiskWorsened

Guarantee Obligations for Homebuyers’ Mortgages and Bridge Loans

First written in FY2022-Q2. 10 of 17 entries say "Worsened", first in FY2022. Latest entry: FY2027-H1.

17entries
6years
0from disclosures
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How it moved
ProgressHeldSoftenedWorseMitigatedFY2023-Q1 – FY2023WorsenedFY2024-Q1 – FY2026-H12021: 220212022: 420222023: 420232024: 320242025: 220252026: 22026
Same theme, other companies
Credit Exposure of Guarantee Obligations for Mortgage BorrowersA theme 29 companies write about · 30 as a headwind · 1 as a tailwind

Arr Planner moved to the "Worse" side of this theme in 2023, 2 years before the typical company in this theme (2025).

The whole theme swung hardest in 2025: 7 of 26 companies on the "Worse" side.

8 other companies' latest entry also says "Worsened".

Ridges = years it wrote progress, valleys = years it wrote worse. Most hopeful companies at the back. Drag to turn, scroll to zoom, right-drag to pan. On a phone, two fingers turn and pinch to zoom; one finger scrolls the page.
Showing 14 of the 29 companies compared. The sentences above are computed from all 29.
Full recordFilings, disclosures and news, newest first
  1. FY2027-H1WorsenedAnnual report

    「Customers (home financing borrowings) ¥1,758.024 million ¥1,914.815 million」

    Guarantees for homebuyers increased from ¥1,758.024 million at the end of the previous fiscal year to ¥1,914.815 million, expanding the guarantee obligation exposure.
  2. FY2026MitigatedAnnual report

    「Customers (home financing borrowings) ¥2,125.954 million ¥1,758.024 million」

    Guarantees for homebuyers decreased from ¥2,125.954 million at the end of the previous fiscal year to ¥1,758.024 million, reducing the guarantee obligation exposure.
  3. FY2026-H1WorsenedAnnual report

    「Customers (home financing borrowings) ¥2,125.954 million ¥2,176.659 million」

    Guarantees for homebuyers increased from ¥2,125.954 million at the end of the previous fiscal year to ¥2,176.659 million, expanding the guarantee obligation exposure.
  4. FY2025WorsenedAnnual report

    「The amounts guaranteed by the Company to financial institutions on behalf of homebuyers using partner home loans and other products are as follows. Customers (home financing borrowings) ¥963.238 million ¥2,125.954 million」

    Guarantees for homebuyers increased from ¥963.238 million at the end of the previous fiscal year to ¥2,125.954 million, expanding the guarantee obligation exposure.
  5. FY2025-H1WorsenedAnnual report

    「The amounts guaranteed by the Company to financial institutions on behalf of homebuyers using home loans and bridge loans are as follows. Customers (home financing borrowings) ¥963.238 million ¥1,835.165 million」

    Guarantees for homebuyers increased from ¥963.238 million at the end of the previous consolidated fiscal year to ¥1,835.165 million, expanding the guarantee obligation exposure.
  6. FY2025-Q1WorsenedAnnual report

    「The amounts guaranteed by the Company to financial institutions on behalf of homebuyers using home loans and bridge loans are as follows. Customers (home financing borrowings) ¥963.238 million ¥1,193.855 million」

    Guarantees for homebuyers increased from ¥963.238 million at the end of the previous fiscal year to ¥1,193.855 million, expanding the guarantee obligation exposure.
  7. FY2024WorsenedAnnual report

    「Customers (home financing borrowings): ¥114.521 million; ¥963.238 million」

    Guarantees for homebuyers increased significantly from ¥114.521 million at the end of the previous fiscal year to ¥963.238 million, expanding the guarantee obligation exposure.
  8. FY2024-Q3WorsenedAnnual report

    「Customers (home financing borrowings) ¥114.521 million ¥901.715 million」

    Guarantees for homebuyers increased significantly from ¥114.521 million at the end of the previous consolidated fiscal year to ¥901.715 million, expanding the guarantee obligation exposure.
  9. FY2024-Q2WorsenedAnnual report

    「Customers (home financing borrowings): ¥114.521 million; ¥281.756 million」

    Guarantees for homebuyers increased from ¥114.521 million at the end of the previous consolidated fiscal year to ¥281.756 million.
  10. FY2024-Q1WorsenedAnnual report

    「Customers (home financing borrowings) ¥114.521 million ¥193.213 million」

    Guarantees for homebuyers increased from ¥114.521 million at the end of the previous consolidated fiscal year to ¥193.213 million.
  11. FY2023MitigatedAnnual report

    「Customers (home financing borrowings): ¥190.268 million; ¥114.521 million」

    Guarantees for homebuyers decreased from ¥190.268 million at the end of the previous consolidated fiscal year to ¥114.521 million.
  12. FY2023-Q3MitigatedAnnual report

    「Customers (home financing borrowings) ¥190.268 million ¥99.149 million」

    Guarantees for homebuyers decreased from ¥190.268 million at the end of the previous consolidated fiscal year to ¥99.149 million.
  13. FY2023-Q2MitigatedAnnual report

    「Customers (home financing borrowings): ¥190.268 million; ¥126.530 million」

    Guarantees for homebuyers decreased from ¥190.268 million at the end of the previous consolidated fiscal year to ¥126.530 million.
  14. FY2023-Q1MitigatedAnnual report

    「The amount guaranteed by the Company to financial institutions on behalf of homebuyers using home loans and bridge loans is as follows. Customers (home financing borrowings): ¥190.268 million; ¥65.228 million」

    Guarantees for homebuyers decreased from ¥190.268 million at the end of the previous consolidated fiscal year to ¥65.228 million.
  15. FY2022WorsenedAnnual report

    「The amount guaranteed by the Company to financial institutions on behalf of homebuyers using home loans and bridge loans is as follows. Customers (home financing borrowings): ¥190.268 million」

    Guarantees for homebuyers increased from ¥116.250 million at the end of the previous fiscal year and ¥155.200 million at the end of the previous quarter.
  16. FY2022-Q3MitigatedAnnual report

    「The amounts guaranteed by the Company to financial institutions on behalf of homebuyers using home loans and bridge loans are as follows. Customers (home financing borrowings) ¥116.250 million ¥155.200 million」

    Guarantees for homebuyers increased from ¥116.250 million at the end of the previous consolidated fiscal year, but decreased from ¥220.023 million at the end of the previous quarterly reporting period to ¥155.200 million.
  17. FY2022-Q2First statedAnnual report

    「The amounts guaranteed by the Company to financial institutions on behalf of homebuyers using home loans and bridge loans are as follows.」

    Guarantees totaled ¥220.023 million at the end of the second quarter of the current consolidated fiscal year, up from ¥116.250 million at the end of the previous consolidated fiscal year.
Moved together

"Demand fluctuations due to economic conditions, employment and income, interest rates, housing tax policy and other factors" moved the same way as this thread, in the same document, in 7 of its 17 moves.

764444★123456
  1. ★This thread
  2. 1Demand fluctuations due to economic conditions, employment and income, interest rates, housing tax policy and other factors7×
  3. 2Expansion of Detached Homes Sold and Revenue6×
  4. 3Policy of deploying retained earnings for growth investments and paying no dividends for the time being4×
  5. 4Expansion into and growth across the Greater Tokyo area (Tokyo and three surrounding prefectures)4×
  6. 5Increasing market share in the Tokai region4×
  7. 6Hybrid Marketing Combining Digital and Offline Channels4×

★ is this thread; numbers match the list above. The number on a line is how many documents both moved the same way in; lines between the other threads count the documents they moved together in too. Threads that move together often sit closer.

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Guarantee Obligations for Homebuyers’ Mortgages and Bridge Loans | Arr Planner Co.,Ltd. (2983) | Komori