Diversification of housing finance products, including those for homes other than newly built homes
First written in FY2019. 16 of 27 entries say "Advanced", first in FY2020-Q1. Latest entry: FY2027-H1.
0 other companies' latest entry also says "Restated".
- FY2027-H1RestatedAnnual report
「In the housing finance business, the Group promoted product diversification for continued business growth, leveraged its broad product lineup and consulting capabilities to differentiate its management support and services for housing companies, and worked to steadily accumulate earnings and improve profitability.」
The Group continued to diversify housing finance products and provide differentiated support to housing companies by leveraging its broad product lineup and consulting capabilities. - FY2026AdvancedAnnual report
「Even as competition over loan fees intensified, the company strengthened its differentiation through sales support for housing businesses and promoted buy-to-resell loans, steadily accumulating revenue through product diversification and working to improve profitability.」
Amid competition over loan fees, the company promoted differentiation through sales support for housing businesses and buy-to-resell loans. Eligible loans executed increased 5.6% year on year, and the housing finance business recorded higher revenue and profit. - FY2026-H1AdvancedAnnual report
「In the housing finance business, the company promoted product diversification to achieve sustained business growth and leveraged its strengths, including its broad product lineup and consulting capabilities, to provide management support and assistance to housing businesses.」
The company continued to diversify its housing finance products and support housing businesses through its broad product lineup and consulting capabilities. Loans executed during the interim period increased 0.4% year on year. - FY2025-H1AdvancedAnnual report
「The company also steadily accumulated revenue through product diversification, including by promoting the handling of bank agency loans and partner loans through alliances with other financial institutions, and worked to improve profitability.」
In addition to strengthening sales of proprietary loan products, the company promoted the handling of bank agency loans and partner loans through alliances with other financial institutions, advancing the accumulation of revenue through product diversification. - FY2024Interest and other income increased despite a decline in loans executed as product diversification continuedAnnual report
「The company advanced the diversification of its mortgage products, including proprietary loan products launched in the previous fiscal year. Although the number of loans executed during the fiscal year (excluding bank agency loan products and partner loan products) declined 22.3% year on year, the company maintained its loan fee rate and increased interest and other income through the steady accumulation of revenue from new products, contributing to performance.」
The company continued to diversify its housing finance products, including new proprietary loans, maintained its loan fee rate despite the decline in loans executed, and reported an increase in interest and other income from new products. - FY2024-Q3Product diversification continued, with interest and other income increasing through new productsAnnual report
「In this environment, the Company continued diversifying its mortgage products, including proprietary loan products launched during the previous fiscal year. The number of loans executed during the third quarter cumulative consolidated period, excluding bank agency loan products and partnership loan products, declined 22.9% year on year. Nevertheless, the Company maintained its loan fee rate, while interest and other income increased through steady revenue generation from new products.」
The company continued to diversify its housing finance products, including new proprietary loan products, maintained its loan fee rate despite the decline in loans executed, and reported an increase in interest and other income from new products. - FY2024-Q2Continued product diversification; larger decline in loans executedAnnual report
「In the nationwide mortgage market, the market for Flat 35, a fixed-rate mortgage offered through a partnership between the Japan Housing Finance Agency and private financial institutions, declined sharply, partly because the interest-rate gap between fixed-rate and variable-rate mortgages widened. The operating environment for mortgage banks specializing in housing loans therefore became challenging. In this environment, the company performed well by advancing the diversification of its mortgage products, including proprietary loan products launched in the previous fiscal year. However, the number of loans executed during the cumulative second-quarter period (excluding bank agency loan products and partner loan products) declined 22.9% year on year.」
Despite the sharp deterioration in the Flat 35 market, the company continued to diversify its housing finance products, including proprietary loans, but loans executed declined 22.9% year on year. - FY2024-Q1Product diversification continued, but loans executed declinedAnnual report
「In this environment, the company performed well by advancing the diversification of its mortgage products, including proprietary loan products launched in the previous fiscal year and other products it had been developing. However, the number of loans executed during the cumulative first-quarter period (excluding bank agency loan products and partner loan products) declined 21.4% year on year.」
The company continued to diversify its mortgage products, including proprietary loans launched in the previous fiscal year, but loans executed declined 21.4% year on year. - FY2023AdvancedAnnual report
「The company promoted higher value added through consulting and other services and differentiation through stronger product capabilities, while advancing the diversification it had pursued, including by beginning to offer new proprietary loan products. As a result, the number of loans executed during the fiscal year (excluding bank agency loan products and partner loan products) declined only 16.2% year on year.」
The company began offering new proprietary loan products, enhanced value added through consulting and other services, and advanced product diversification, continuing to expand its product mix, including products for existing homes, despite the overall decline in loans executed. - FY2023-Q3Product diversification advanced despite a decline in loans executedAnnual report
「In the nationwide mortgage market, the market for Flat 35, a partnership product of the Japan Housing Finance Agency and private financial institutions, contracted. The Company nevertheless pursued differentiation by enhancing added value through consulting and other services, as well as product capabilities, while product diversification, which it had been pursuing, also advanced. The number of loans executed during the third quarter cumulative consolidated period, excluding bank agency loan products and partnership loan products, declined only 13.7% year on year.」
In response to the contraction of the Flat 35 market, the company advanced differentiation through higher value added and stronger product capabilities, while diversifying its housing finance products. - FY2023-Q2Continued product diversification despite a decline in loans executedAnnual report
「In the nationwide mortgage market, the market for Flat 35, a partnership product of the Japan Housing Finance Agency and private financial institutions, contracted. The Company nevertheless pursued differentiation by enhancing added value through consulting and other services, as well as product capabilities, while product diversification, which it had been pursuing, also advanced. The number of loans executed during the second quarter cumulative consolidated period, excluding bank agency loan products and partnership loan products, declined only 12.4% year on year.」
In response to the contraction of the Flat 35 market for new homes, the company continues to enhance value added through consulting and other services and diversify its housing finance products. - FY2023-Q1AdvancedAnnual report
「The nationwide market for Flat 35, a fixed-rate mortgage offered through a partnership between the Japan Housing Finance Agency and private financial institutions, continued to contract, partly because of the widening interest-rate gap between fixed-rate and variable-rate mortgages. However, the number of MSJ Flat 35 loans at the company declined only slightly, supported by higher value added through consulting and stronger product capabilities. The diversification of products pursued by the company also advanced, and the number of loans executed during the cumulative first-quarter period (excluding bank agency loan products and partner loan products) declined only 8.8% year on year.」
Amid the contraction of the Flat 35 market, the decline in the core product was limited by higher value added through consulting and other services, while the diversification of housing finance products that had been pursued continued to advance. - FY2022-Q3AdvancedAnnual report
「The number of loans executed during the cumulative third-quarter period (excluding bank agency loan products and partner loan products) increased 0.2% year on year. Within this total, the number of proprietary loan products other than the core products increased, advancing diversification.」
While total loans executed increased 0.2% year on year, proprietary loan products other than the core products increased, advancing the diversification of housing finance products. - FY2022-Q1RestatedAnnual report
「In the housing finance business, the company leveraged its strengths, including its broad product lineup and consulting capabilities, to promote management support and assistance for housing businesses and pursue sustained business growth.」
Continued support for housing businesses by leveraging a broad range of housing finance products and consulting capabilities. - FY2021AdvancedAnnual report
「As a new initiative, the company released MSJ Flat 35 (Guaranteed), a fixed-rate mortgage with a lower interest rate than MSJ Flat 35, strengthening the competitiveness of its product offerings.」
In addition to its existing products, the company newly released the fixed-rate MSJ Flat 35 (Guaranteed), which carries a lower interest rate than MSJ Flat 35, advancing the diversification of its housing finance products. - FY2021-Q2RestatedAnnual report
「In the housing finance business, the Company promoted management support for housing businesses through its diverse product lineup and other initiatives, which it had previously emphasized, and its 8 new branches opened during the previous fiscal year became fully operational. Against a backdrop in which the spread of COVID-19 was also affecting the housing-related industry, the number of loans executed during the second quarter cumulative consolidated period, excluding bank agency loan products and partnership loan products, increased 12.9% year on year.」
The company continues to support housing businesses through a diverse range of housing finance products and enhance its product lineup, while reporting an increase in loans executed. - FY2021-Q1AdvancedAnnual report
「In the housing finance business, management support for housing businesses through the diverse product lineup in which the company has long invested, together with the full-scale operation of 8 new branches opened in the previous fiscal year, proved effective. Despite the spread of COVID-19, the number of loans executed for the company's core product, MSJ Flat 35, and the related proprietary mortgage product MSJ Flat 35 Best Mix, increased substantially. The number of loans executed during the cumulative first-quarter period (excluding bank agency loan products and partner loan products) increased 30.4% year on year and remained firm.」
Continued management support through diverse housing finance products, with the number of Flat 35 and Best Mix loans executed increasing 30.4% year on year. - FY2020-Q3RestatedAnnual report
「Against this backdrop, the Company worked to enhance its lineup of broad housing finance products addressing a range of mortgage needs, including MSJ Proprietary Bridge Loan, the variable-rate/fixed-rate-selectable MSJ Housing Loan Toiro, MSJ Buy-to-Resell Loan, a loan for real estate businesses designed to promote the revitalization of the existing-home market, and MSJ Senior Lump-Sum Repayment Mortgage (MSJ Reverse Mortgage). The number of offerings for these products also increased substantially.」
Volumes increased for housing finance products including bridging loans, variable-rate/fixed-rate selection products, products for seniors, and products for the existing-home market, and the company is continuing to enhance its product lineup. - FY2020-Q2AdvancedAnnual report
「Against this backdrop, the Company worked to enhance its lineup of broad housing finance products addressing a range of mortgage needs, including MSJ Proprietary Bridge Loan, the variable-rate/fixed-rate-selectable MSJ Housing Loan Toiro, MSJ Buy-to-Resell Loan, a loan for real estate businesses designed to promote the revitalization of the existing-home market, and MSJ Senior Lump-Sum Repayment Mortgage (MSJ Reverse Mortgage). The number of offerings for these products also increased substantially.」
Volumes increased significantly for housing finance products including bridging loans, variable-rate/fixed-rate selection products, products for seniors, and products for the existing-home market, and the company is continuing to enhance its product lineup. - FY2020-Q1AdvancedAnnual report
「Against this backdrop, the Company worked to enhance its lineup of broad housing finance products addressing a range of mortgage needs, including MSJ Proprietary Bridge Loan, the variable-rate/fixed-rate-selectable MSJ Housing Loan Toiro, MSJ Buy-to-Resell Loan, a loan for real estate businesses designed to promote the revitalization of the existing-home market, and MSJ Senior Lump-Sum Repayment Mortgage (MSJ Reverse Mortgage). The number of offerings for these products also increased substantially.」
Volumes increased significantly for bridging loans, variable-rate/fixed-rate selection products, products for seniors, and products for the existing-home market, advancing the diversification of housing finance products. - FY2019First statedAnnual report
「Against this backdrop, to capture mortgage needs that cannot be met by the conventional Flat 35, the company significantly increased its handling of products including the variable-rate/fixed-rate selection mortgage MSJ Housing Loan Toiro (十色), the MSJ Senior Citizen Lump-Sum Repayment Mortgage (MSJ Reverse Mortgage) for seniors, MSJ Flat 35 Renovation, which applies an interest-rate reduction program combining the acquisition of an existing home with performance-enhancing renovation, and MSJ Buy-to-Resell Loans for real estate businesses, which promote the revitalization of the existing-home market.」
The company expanded its housing finance products other than the conventional Flat 35, including variable-rate/fixed-rate selection products, products for seniors, products for existing homes and renovations, and products for real estate businesses, resulting in increased volumes.