Risk of Fewer Mortgage Applications Due to Higher Interest Rates and Economic Deterioration
First written in FY2017. 6 of 12 entries say "Restated". Latest entry: 2026-10-14.
The whole theme swung hardest in 2020: 5 of 15 companies on the "Worse" side.
3 other companies' latest entry also says "Restated".
- 2026-10-14RestatedEarnings presentation
「金利状況等による金融機関の動向について引き続き注視が必要な状況であります。」
金利状況が金融機関の動向や金融ソリューション事業に影響し得る点への注視が継続している。 - FY2027-H1RestatedAnnual report
「In addition, as rising housing-loan interest rates may increase the cost of acquiring a home, the situation remains one that requires continued vigilance.」
Concerns over higher home acquisition costs resulting from rising mortgage rates continue. - FY2026-H1WorsenedAnnual report
「In addition, as rising mortgage interest rates are expected to increase the cost of purchasing a home, the situation remains uncertain.」
Concern was expressed that rising mortgage interest rates could lead to higher home-purchase costs, with stronger references to interest-rate risk that could affect the number of mortgages handled. - FY2024MitigatedAnnual report
「Accordingly, our approach to managing this risk is to carefully assess market trends, including through dialogue with customers, in markets where deterioration in conditions is always possible, while focusing on developing new services based primarily on shifting into business fields expected to expand over the long term, such as the inheritance market.」
In response to the risk of deterioration in the mortgage and real estate markets, the Company explicitly identified monitoring market conditions, shifting into fields expected to expand over the long term, such as the inheritance market, and developing new services as countermeasures. - FY2021RestatedAnnual report
「If mortgage interest rates fluctuate substantially, the economic outlook deteriorates, or preferential tax measures related to home purchases are abolished, the number of mortgage-related services contracted by the Company may decline due to a decrease in mortgage applications, potentially affecting the Group's operating results and financial position.」
The risk of declining mortgage applications and contracted services due to interest rates, economic conditions and preferential tax measures for home purchases continued to be identified as a risk to the consolidated group. - FY2019RestatedAnnual report
「Accordingly, if there is a significant increase in interest rates, a deterioration in the economic outlook, the abolition of preferential tax treatment for home purchases or a similar development, the number of home loan applications may decline, which could affect our operating performance and financial condition.」
The risk of declining mortgage applications due to rising interest rates, an economic downturn and the abolition of preferential tax measures for home purchases continues to be disclosed. - FY2017First statedAnnual report
「Accordingly, if there is a significant increase in interest rates, a deterioration in the economic outlook, the abolition of preferential tax treatment for home purchases or a similar development, the number of home loan applications may decline, which could affect our operating performance and financial condition.」
For the first time, the risk that mortgage demand will be affected by interest rates, economic conditions and tax policy, with applications declining due to a substantial rise in interest rates or similar factors, has been disclosed as a separate risk item.