Offering of the Flat 35 package product “MSJ Flat 35 Best Mix”
First written in FY2019-Q1. 9 of 23 entries say "Advanced", first in FY2019. Latest entry: 2026-08-07.
0 other companies' latest entry also says "Advanced".
- 2026-08-07AdvancedResults
「融資手数料の価格競争が激化するなかにおいても、住宅事業者への販売支援による差別化や、買取再販ローンの推進など商品の多角化に注力し、地道な収益の積み上げと収益性の向上に努めました。」
販売支援による差別化と買取再販ローンの推進を、融資手数料競争への対応として継続・具体化している。 - FY2026-H1AdvancedAnnual report
「Even as price competition over lending fees intensifies, the company strengthened differentiation through sales support for housing businesses and promoted bank-brokered loans, while steadily building revenue through product diversification and working to improve profitability.」
In addition to differentiation through sales support for housing businesses, the Company promoted bank agency loans and pursued revenue generation through diversification of its housing finance products. The relevant number of loans executed increased 0.4% year on year. - FY2025-H1Narrower decline in loans executed through stronger proprietary lendingAnnual report
「However, the company offset this by strengthening sales of proprietary loan products, limiting the decline in its loan originations during the first half of the current fiscal year, excluding bank agency loan products and partner loan products, to 11.3% year on year.」
The Company strengthened sales of proprietary loan products as part of its housing finance product diversification, limiting the year-on-year decline in loans executed to 11.3%. - FY2024Product diversification and revenue generation from new products despite a decline in loans executedAnnual report
「The number of loans executed during the fiscal year, excluding bank agency loan products and partnership loan products, declined 22.3% year on year. Nevertheless, the Company maintained its loan fee rate, while interest and other income increased through steady revenue generation from new products, contributing to performance.」
Amid a severe downturn in the Flat 35 market, the Company diversified its mortgage products, including proprietary loans. While the number of loans executed declined 22.3% year on year, it maintained its fee rate and accumulated interest and other income from new products. - FY2024-Q3Building revenue from new products despite a decline in loans executedAnnual 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 advanced diversification of its mortgage products, including proprietary loans, and maintained its loan fee rate even as the number of loans executed declined 22.9% year on year. It also reported an increase in interest and other income from new products. - FY2024-Q2Continued product diversification; larger decline in loans executedAnnual report
「In this environment, the Company continued diversifying its mortgage products, including proprietary loan products launched during the previous fiscal year, and performed well. However, the number of loans executed during the second quarter cumulative consolidated period, excluding bank agency loan products and partnership loan products, declined 22.9% year on year.」
The Company continued diversifying its mortgage products, including proprietary loans launched during the previous fiscal year, but the number of loans executed declined 22.9% year on year. - FY2023-Q3Continued product diversification despite a decline in loansAnnual 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.」
Amid a contraction in the Flat 35 market, the Company continued to enhance added value through consulting and other services, differentiate itself through product capabilities, and diversify its housing finance products. The number of loans executed declined 13.7% year on year. - 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.」
Amid a contraction in the Flat 35 market, the Company pursued differentiation through enhanced added value and product capabilities, as well as product diversification. The number of loans executed declined 12.4% year on year. - FY2023-Q1Product diversification and higher interest income despite a decline in loans executedAnnual report
「Product diversification, which the Company had been pursuing, also advanced, and the number of loans executed during the first quarter cumulative consolidated period, excluding bank agency loan products and partnership loan products, declined only 8.8% year on year.」
While the total number of loans executed declined 8.8% year on year, the housing finance product diversification pursued previously advanced. - FY2022Product diversification and higher interest income despite a decline in loans executedAnnual report
「The number of loans executed during the fiscal year, excluding bank agency loan products and partnership loan products, decreased 2.0% from the previous fiscal year, but the number of proprietary loans other than the core products increased, advancing diversification. Amid intensifying fee competition in the mortgage industry, the Company maintained its loan fee rate by enhancing added value for its core product, MSJ Flat 35, while the loan amount per case also increased. For proprietary loan products such as MSJ Flat 35 Best Mix and MSJ Proprietary Bridge Loan, interest income increased as the outstanding loan balance grew.」
While the total number of loans executed decreased 2.0% from the previous fiscal year, the number of loans other than the core products, including Best Mix and the proprietary bridge loan, as well as the outstanding loan balance and interest income, increased, advancing product diversification. - FY2022-Q3AdvancedAnnual report
「The number of loans executed during the third quarter cumulative consolidated period, excluding bank agency loan products and partnership loan products, increased 0.2% year on year. By product, the number of proprietary loans other than the core products increased, advancing diversification. Amid intensifying fee competition in the mortgage industry, the Company maintained its loan fee rate by enhancing added value for its core product, MSJ Flat 35, while the loan amount per case also increased. For proprietary loan products such as MSJ Flat 35 Best Mix and MSJ Proprietary Bridge Loan, interest income increased as the outstanding loan balance grew.」
Although the number of loans executed increased only 0.2% year on year, the number of proprietary loans other than the core products, including Best Mix and the proprietary bridge loan, increased, advancing product diversification and increasing interest income. - FY2022-Q2AdvancedAnnual report
「In addition to the core MSJ Flat 35, several related proprietary loan products, including MSJ Flat 35 Best Mix and MSJ Proprietary Bridge Loan, grew, and the number of loans executed, excluding bank agency loan products and partnership loan products, increased 3.6% year on year.」
Several products, including Best Mix and the proprietary bridge loan, grew, and the relevant number of loans executed also increased 3.6% year on year. - FY2022-Q1AdvancedAnnual report
「The number of loans executed, excluding bank agency loan products and partnership loan products, decreased 0.3% year on year, but several products other than the core MSJ Flat 35, including the related proprietary loan products MSJ Flat 35 Best Mix and MSJ Proprietary Bridge Loan, grew.」
While the total number of relevant loans executed decreased 0.3% year on year, several products, including MSJ Flat 35 Best Mix and MSJ Proprietary Bridge Loan, grew. - FY2021RestatedAnnual report
「The number of loans executed under the Company's core product MSJ Flat 35 and related proprietary mortgage products, including MSJ Flat 35 Best Mix and MSJ Proprietary Bridge Loan, remained solid. The number of loans executed during the fiscal year, excluding bank agency loan products and partnership loan products, increased 8.6% year on year.」
The Company reports full-year results showing a solid trend in the number of loans executed, including MSJ Flat 35, Best Mix and the proprietary bridge loan. - 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 continued supporting housing businesses through its diverse housing finance products and the full-scale operation of 8 new branches, and the relevant number of loans executed increased 12.9% year on year. - FY2021-Q1AdvancedAnnual report
「The number of loans executed under the Company's core product, MSJ Flat 35, and the related proprietary mortgage product MSJ Flat 35 Best Mix increased substantially. Accordingly, the number of loans executed during the first quarter cumulative consolidated period, excluding bank agency loan products and partnership loan products, increased 30.4% year on year and remained solid.」
The number of loans executed, including MSJ Flat 35 Best Mix, increased substantially, with the relevant number of loans executed rising 30.4% year on year. - FY2020-Q3RestatedAnnual report
「In addition, the number of loans executed under Best Mix, a proprietary mortgage product offered alongside Flat 35 that was launched during the previous fiscal year, increased substantially, contributing to improved profitability.」
The Company continues to state that, for Best Mix, which it began offering during the previous fiscal year, the number of loans executed increased and contributed to improved profitability. - FY2020-Q2AdvancedAnnual report
「In addition, the number of loans executed under Best Mix, a proprietary mortgage product offered alongside Flat 35 that was launched during the previous fiscal year, increased substantially, contributing to improved profitability.」
For Best Mix, which the Company began offering during the previous fiscal year, the number of loans executed increased substantially, contributing to improved profitability. - FY2020-Q1AdvancedAnnual report
「In addition, the number of loans executed under Best Mix, a proprietary mortgage product offered alongside Flat 35 that was launched during the previous fiscal year, increased substantially, contributing to improved profitability.」
For Best Mix, which the Company began offering during the previous fiscal year, the number of loans executed increased substantially, contributing to improved profitability. - FY2019AdvancedAnnual report
「Meanwhile, the number of loans executed under Best Mix, a new proprietary mortgage product offered alongside Flat 35 since June 2018, also remained solid.」
For MSJ Flat 35 Best Mix, the Company states throughout the year that the number of loans executed remained solid after the product was launched in June 2018. - FY2019-Q3RestatedAnnual report
「In addition, during the fiscal year, we began offering the new proprietary mortgage product packaged with Flat 35, MSJ Flat 35 Best Mix, which contributed to an increase in new revenue.」
The Company continues to state that MSJ Flat 35 Best Mix, which it began offering during the fiscal year, contributed to an increase in new revenue. - FY2019-Q2RestatedAnnual report
「In addition, during the fiscal year, we began offering the new proprietary mortgage product packaged with Flat 35, MSJ Flat 35 Best Mix, which contributed to an increase in new revenue.」
The Company continues to state that MSJ Flat 35 Best Mix, which it began offering during the fiscal year, contributed to an increase in new revenue. - FY2019-Q1First statedAnnual report
「In addition, during the fiscal year, we began offering the new proprietary mortgage product packaged with Flat 35, MSJ Flat 35 Best Mix, which contributed to an increase in new revenue.」
During the fiscal year, the Company began offering the new Flat 35 packaged proprietary mortgage product MSJ Flat 35 Best Mix, contributing to an increase in new revenue.