Real Estate-Secured Lending in Coordination with the House Leaseback Business

「フィナンシャルドゥは、りそなグループ（以下：同グループ）の株式会社みなと銀行（本店：兵庫県神戸市、代表取締役社長：持丸秀樹）と提携し、10 月より提供を開始する「リバースモーゲージローン ライフイベントプラン」に対する不動産担保評価および債務保証を行います。」

「During the fiscal year, the company strengthened cooperation with partner financial institutions to raise awareness of reverse mortgages and promote their use. The number of partner financial institutions increased to 55 banks, while it provided 513 new guarantees, up 1.8% year on year, bringing cumulative guarantees to 2,308 and the cumulative guarantee balance to ¥35,344 million. As a result, segment revenue was ¥630 million, up 12.9% year on year, and segment profit was ¥262 million, up 46.3%.」

「In the financial business, the company focused on expanding its guarantee business by leveraging the group's strengths in appraisal and sales through its nationwide network, and worked to develop and strengthen cooperation with partner financial institutions to raise awareness of reverse mortgages and promote their use. In addition to personal consumer lending uses such as securing living expenses in retirement, demand for business funding has also expanded by leveraging the distinctive feature of the group's guarantees, which place no restrictions on the use of funds. During the six months ended the second quarter, the company provided 282 new guarantees, up 13.3% year on year, bringing cumulative guarantees to 2,191 and the cumulative guarantee balance to ¥31,788 million. As a result, segment revenue was ¥302 million, up 7.4% year on year, and segment profit was ¥136 million, up 53.8%.」

「Reverse mortgages were used in a range of situations, including securing living expenses in retirement, refinancing mortgages and funding purchases of assisted-living residences. As the company made progress in acquiring new guarantees, primarily in the Tokyo metropolitan area, it provided 504 new guarantees during the fiscal year, bringing cumulative guarantees to 2,008 and the cumulative guarantee balance to ¥28,178 million.」

「The company diversified the uses of reverse mortgages and made progress in acquiring new guarantees, primarily in the Tokyo metropolitan area. During the six months ended the second quarter, it provided 249 new guarantees, bringing cumulative guarantees to 1,829, and the outstanding guarantee balance reached ¥25,212 million.」

「In the financial business, the company met customers' funding needs by leveraging the group's strengths in appraisal and sales through its nationwide network. In the reverse mortgage guarantee business, it worked to raise awareness of reverse mortgages and promote their use by developing new partner financial institutions and strengthening cooperation, bringing the number of partnerships to 51 banks. During the nine months ended the third quarter, it provided 394 new guarantees, bringing cumulative guarantees to 1,511, and the outstanding guarantee balance reached ¥18,173 million. Meanwhile, real estate-secured lending contracted as the company shifted its focus to priority businesses, and the loan balance stood at ¥1,932 million at the end of the third quarter.」

「During the six months ended the second quarter, the company provided 272 new guarantees, bringing cumulative guarantees to 1,415, and the outstanding guarantee balance reached ¥16,356 million. Meanwhile, real estate-secured lending contracted as the company shifted its focus to priority businesses, and the loan balance stood at ¥2,008 million at the end of the second quarter.」

「In the reverse mortgage guarantee business, the company worked to raise awareness of reverse mortgages and promote their use by developing new partner financial institutions and strengthening cooperation with financial institutions. During the three months ended the first quarter, it provided 145 new guarantees, bringing cumulative guarantees to 1,312, and the outstanding guarantee balance reached ¥14,934 million. Meanwhile, real estate-secured lending contracted as the company shifted its focus to priority businesses, and the loan balance stood at ¥2,289 million at the end of the first quarter.」

「In the financial business, the company met customers' funding needs by leveraging the group's strengths in appraisal and sales through its nationwide network. In the reverse mortgage guarantee business, it worked to raise awareness of reverse mortgages and promote their use by developing new partner financial institutions and strengthening cooperation. During the fiscal year, it provided 421 new guarantees, bringing cumulative guarantees to 1,185, and the outstanding guarantee balance reached ¥13,169 million. It also originated 93 real estate-secured loans.」

「In the reverse mortgage guarantee business, the company sought to raise awareness of reverse mortgages and promote their use by developing new partner financial institutions and strengthening cooperation with financial institutions. During the nine months ended the third quarter, it entered into partnerships with 4 new financial institutions, provided 282 new guarantees, bringing cumulative guarantees to 1,057, and the outstanding guarantee balance reached ¥11,960 million. It also originated 72 real estate-secured loans.」

「In the reverse mortgage guarantee business, the company sought to raise awareness of reverse mortgages and promote their use by developing new partner financial institutions and strengthening cooperation with financial institutions. During the six months ended the second quarter, it provided 174 new guarantees, bringing cumulative guarantees to 978, and the outstanding guarantee balance reached ¥10,879 million. It also originated 48 real estate-secured loans.」

「In the reverse mortgage guarantee business, the company sought to raise awareness of reverse mortgages and promote their use by developing new partner financial institutions and strengthening cooperation with financial institutions. During the three months ended the first quarter, it provided 86 new guarantees, bringing cumulative guarantees to 911, and the outstanding guarantee balance reached ¥10,002 million. It also originated 23 real estate-secured loans.」

「In the reverse mortgage guarantee business, the company sought to stimulate demand by developing new partner financial institutions and strengthening cooperation with financial institutions. During the nine months ended the third quarter, it provided 235 new guarantees, bringing cumulative guarantees to 760. It also originated 91 real estate-secured loans.」

「In the reverse mortgage guarantee business, the company sought to stimulate demand by increasing and strengthening cooperation with partner financial institutions. During the six months ended the second quarter, it provided 157 new guarantees, bringing cumulative guarantees to 687. It also originated 62 real estate-secured loans.」

「In the financial business, the company focused on initiatives combining real estate and finance to meet customers' funding needs through the use of real estate, leveraging the group's strength in appraisal and sales through its nationwide network. In the reverse mortgage guarantee business, it focused on developing new partner financial institutions and stimulating demand through cooperation with financial institutions, providing 96 new guarantees during the three months ended the first quarter. It also originated 30 real estate-secured loans.」

「During the fiscal year, the company originated 167 real estate-secured loans. In the reverse mortgage guarantee business, it focused on developing new partner financial institutions and stimulating demand through cooperation with financial institutions, providing 221 new guarantees.」

「In the financial business, the company focused on initiatives combining real estate and finance to meet customers' funding needs through the use of real estate, leveraging the group's strength in appraisal through its nationwide network. During the nine months ended the third quarter, it originated 129 real estate-secured loans, while the number of partner financial institutions in the reverse mortgage guarantee business increased to 24 and 128 reverse mortgage guarantees were provided.」

「During the six months ended the second quarter, the company originated 78 real estate-secured loans and provided 76 reverse mortgage guarantees. It also resumed partnerships with existing partner financial institutions and the development of new partners, which had been delayed due to the impact of COVID-19.」

「During the three months ended the first quarter, the company originated 30 real estate-secured loans and provided 27 reverse mortgage guarantees. Although delays occurred due to the impact of COVID-19, demand expanded through cooperation with financial institutions and the development of new partner financial institutions.」

「During the fiscal year, the company originated 207 real estate-secured loans and provided 145 reverse mortgage guarantees. Although delays occurred due to the impact of COVID-19, demand expanded through cooperation with financial institutions and the development of new partner financial institutions.」

「In the financial business, the company focused on initiatives combining real estate and finance to meet customers' funding needs through the use of real estate, leveraging the group's strength in appraisal through its nationwide network. During the nine months ended the third quarter, it originated 151 real estate-secured loans and provided 108 reverse mortgage guarantees, supported by demand expansion through cooperation with financial institutions and the development of new partner financial institutions.」

「In response to customers' various funding needs and the increase in partner financial institutions, the company originated 95 real estate-secured loans and provided 61 reverse mortgage guarantees during the six months ended the second quarter.」

「In response to customers' various funding needs and the increase in partner financial institutions, the company originated 43 real estate-secured loans and provided 30 reverse mortgage guarantees during the three months ended the first quarter.」

「In response to customers' various funding needs and the increase in partner financial institutions, the company originated 186 real estate-secured loans and provided 129 reverse mortgage guarantees during the fiscal year.」

「In response to customers' various funding needs and the increase in partner financial institutions, the company originated 135 real estate-secured loans and provided 101 reverse mortgage guarantees during the nine months ended the third quarter. Selling, general and administrative expenses increased due to upfront investment in organizational infrastructure and personnel to support growth in案件.」

「In response to customers' various funding needs and the increase in partner financial institutions, the company originated 92 real estate-secured loans and provided 76 reverse mortgage guarantees during the six months ended the second quarter.」

「In response to customers' various funding needs and the increase in partner financial institutions, the company originated 53 real estate-secured loans and provided 48 reverse mortgage guarantees during the three months ended the first quarter.」

「Beginning in the second quarter, the company launched a reverse mortgage guarantee business in partnership with financial institutions, leveraging the group's strength in real estate appraisal. By strengthening initiatives combining real estate and finance, the company originated 264 real estate-secured loans and provided reverse mortgage guarantees during the fiscal year.」

「Beginning in the second quarter, the company also launched a reverse mortgage guarantee business leveraging the group's strength in real estate appraisal, strengthened initiatives combining real estate and finance, and originated 183 real estate-secured loans and provided reverse mortgage guarantees during the nine months ended the third quarter.」

「Beginning in the second quarter, the company also launched a reverse mortgage guarantee business leveraging the group's strength in real estate appraisal, strengthened initiatives combining real estate and finance, and originated 88 real estate-secured loans and provided reverse mortgage guarantees during the six months ended the second quarter.」

「The company also focused on synergies within the group, including its house leaseback business, and cooperation with franchisees, originating 34 real estate-secured loans during the three months ended the first quarter.」

「The company also focused on synergies within the group, including its house leaseback business, and cooperation with franchisees, originating 124 real estate-secured loans during the fiscal year.」

「The company also focused on synergies within the group, including its house leaseback business, and cooperation with franchisees, originating 91 real estate-secured loans during the nine months ended the third quarter.」

「The company also focused on synergies within the group, including its house leaseback business, and cooperation with franchisees, originating 47 real estate-secured loans during the six months ended the second quarter.」

「In the real estate finance business, the company focused on synergies within the group, including its house leaseback business, and cooperation with franchisees, responding flexibly to customers' various funding needs by providing real estate-secured loans.」

「As part of the preparation period before obtaining a moneylending license and launching full-scale services, the company provided real estate-secured loans, primarily in cooperation with its house leaseback business.」