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Mirarth Holdings (8897) · RiskMitigated

Guarantee Obligations Relating to Customer Home Loans

First written in FY2019-Q3. 15 of 26 entries say "Mitigated", first in FY2019. Latest entry: FY2026.

26entries
8years
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ProgressHeldSoftenedWorseMitigatedFY2024 – FY2025-H12019: 420192020: 420202021: 420212022: 420222023: 420232024: 320242025: 220252026: 12026
Same theme, other companies
Credit Exposure of Guarantee Obligations for Mortgage BorrowersA theme 30 companies write about · 31 as a headwind · 1 as a tailwind

The whole theme swung hardest in 2025: 7 of 27 companies on the "Worse" side.

16 other companies' latest entry also says "Mitigated".

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 30 companies compared. The sentences above are computed from all 30.
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  1. FY2026MitigatedAnnual report

    「Joint and several guarantee obligations to financial institutions and others pending completion of mortgage registration for housing loans to customers of the Group 18,582 million yen 15,026 million yen Total 19,244 16,741」

    Total guarantee obligations decreased from ¥19,244 million at the end of the previous fiscal year to ¥16,741 million, while guarantees relating to customer housing loans declined from ¥18,582 million to ¥15,026 million.
  2. FY2026-H1MitigatedAnnual report

    「Joint and several guarantee obligations to financial institutions and others pending completion of mortgage registration for housing loans to customers of the Group 18,582 million yen 1,956 million yen Total 19,244 3,586」

    Total guarantee obligations decreased from ¥19,244 million at the end of the previous fiscal year to ¥3,586 million, while joint and several guarantee obligations relating to customer housing loans declined from ¥18,582 million to ¥1,956 million. Meanwhile, guarantees for WISE ESTATE 13 Co., Ltd. and Major SPV Two Co., Ltd. were newly recorded. There is no indication that any default or other event has occurred.
  3. FY2025WorsenedAnnual report

    「Joint and several guarantee obligations to financial institutions and others pending completion of mortgage registration for customer home mortgages of the Group ¥11,700 million ¥18,582 million Total 13,730 19,244」

    Total guarantee obligations increased from ¥13,730 million at the previous year-end to ¥19,244 million, and guarantees related to customer home mortgages also increased from ¥11,700 million to ¥18,582 million.
  4. FY2025-H1MitigatedAnnual report

    「Joint and several guarantee obligations to financial institutions and others pending completion of mortgage registration for customer home mortgages of the Group ¥11,700 million ¥5,869 million Total 13,730 7,376」

    Total guarantee obligations decreased from ¥13,730 million at the previous year-end to ¥7,376 million. Joint and several guarantee obligations related to customer home mortgages also decreased from ¥11,700 million to ¥5,869 million, reducing guarantee exposure from the previous year-end.
  5. FY2024MitigatedAnnual report

    「Joint and several guarantee obligations to financial institutions and others pending completion of mortgage registration for customer home mortgages of the Group ¥15,420 million ¥11,700 million Total 17,632 13,730」

    Total guarantee obligations decreased from ¥17,632 million at the previous year-end to ¥13,730 million, and guarantees related to customer home mortgages also decreased from ¥15,420 million to ¥11,700 million.
  6. FY2024-Q3WorsenedAnnual report

    「Joint and several guarantee obligations to financial institutions and others pending completion of mortgage registration for customer home mortgages of the Group ¥15,420 million ¥8,856 million Minato Vietnam Co., Ltd. 112 615 WISE ESTATE 3 Co., Ltd. 1,615 615 WISE ESTATE 8 Co., Ltd. 246 531 WISE ESTATE 10 Co., Ltd. 237 706 Total 17,632 11,325」

    Total guarantee obligations decreased from ¥17,632 million at the previous year-end to ¥11,325 million, but increased from ¥6,218 million in FY2024-Q2. Guarantees related to customer home mortgages also amounted to ¥8,856 million, resulting in increased guarantee exposure from the previous quarter. No defaults or similar events were reported.
  7. FY2024-Q2WorsenedAnnual report

    「Joint and several guarantee obligations to financial institutions and others pending completion of mortgage registration for customer home mortgages of the Group ¥15,420 million ¥3,907 million Minato Vietnam Co., Ltd. 112 572 WISE ESTATE 3 Co., Ltd. 1,615 791 WISE ESTATE 8 Co., Ltd. 246 618 WISE ESTATE 10 Co., Ltd. 237 328 Total 17,632 6,218」

    Total guarantee obligations decreased from ¥17,632 million at the previous year-end to ¥6,218 million, but increased from ¥3,816 million in FY2024-Q1. Guarantees related to customer home mortgages amounted to ¥3,907 million, while guarantees to overseas subsidiaries and others totaled ¥2,311 million, resulting in increased guarantee exposure from the previous quarter. No defaults or similar events were reported.
  8. FY2024-Q1MitigatedAnnual report

    「Total 17,632 3,816」

    Total guarantee obligations decreased from ¥17,632 million at the previous year-end to ¥3,816 million. Joint and several guarantee obligations related to customer home mortgages also decreased from ¥15,420 million to ¥2,125 million. Guarantee exposure remains, but decreased from the previous year-end. No defaults or similar events were reported.
  9. FY2023WorsenedAnnual report

    「Joint and several guarantee obligations to financial institutions and others pending completion of mortgage registration for customer home mortgages of the Group ¥9,846 million ¥15,420 million Total 11,327 17,632」

    Total guarantee obligations increased from ¥11,327 million at the previous year-end to ¥17,632 million. Guarantees related to customer home mortgages also increased from ¥9,846 million to ¥15,420 million.
  10. FY2023-Q3WorsenedAnnual report

    「Joint and several guarantee obligations to financial institutions and others pending completion of mortgage registration for customer home mortgages of the Group ¥9,846 million ¥2,169 million Minato Vietnam Co., Ltd. 917 108 WISE ESTATE 3 Co., Ltd. 564 1,259 WISE ESTATE 10 Co., Ltd. - 232 Total 11,327 4,637」

    Total guarantee obligations decreased from ¥11,327 million at the previous year-end, the comparable period for the same period of the previous year, to ¥4,637 million, but increased from ¥4,338 million in the previous quarter. In particular, the guarantee to WISE ESTATE 3 Co., Ltd. amounted to ¥1,259 million, and a new guarantee recipient was added.
  11. FY2023-Q2MitigatedAnnual report

    「Joint and several guarantee obligations to financial institutions and others pending completion of mortgage registration for customer home mortgages of the Group ¥9,846 million ¥2,583 million Minato Vietnam Co., Ltd. 917 962 WISE ESTATE 3 Co., Ltd. 564 792 Total 11,327 4,338」

    Total guarantee obligations decreased from ¥11,327 million at the previous year-end to ¥4,338 million. Guarantees related to customer home mortgages also decreased from ¥9,846 million to ¥2,583 million, while guarantees to overseas subsidiaries and others increased.
  12. FY2023-Q1MitigatedAnnual report

    「Total ¥11,327 million ¥5,557 million」

    Total guarantee obligations decreased from ¥11,327 million at the previous year-end to ¥5,557 million. Guarantees related to customer home mortgages decreased from ¥9,846 million to ¥3,960 million, while the guarantees to Minato Vietnam Co., Ltd and WISE ESTATE 3 Co., Ltd each increased.
  13. FY2022MitigatedAnnual report

    「Total 12,711 11,327」

    Total guarantee obligations decreased from ¥12,711 million at the previous year-end to ¥11,327 million. Guarantees related to customer home mortgages amounted to ¥9,846 million, and the guarantee to Minato Vietnam Co., Ltd amounted to ¥917 million. A new guarantee of ¥564 million to WISE ESTATE 3 Co., Ltd. was disclosed.
  14. FY2022-Q3WorsenedAnnual report

    「Joint and several guarantee obligations to financial institutions and others pending completion of mortgage registration for customer home mortgages of the Group ¥11,900 million ¥2,887 million Minato Vietnam Co., Ltd 810 865 Total 12,711 3,752」

    Total guarantee obligations increased from ¥3,520 million in FY2022-Q2 to ¥3,752 million. Guarantees related to customer home mortgages amounted to ¥2,887 million, and the guarantee to Minato Vietnam Co., Ltd amounted to ¥865 million, resulting in increased guarantee exposure from the previous quarter. No defaults or similar events were reported.
  15. FY2022-Q2WorsenedAnnual report

    「Joint and several guarantee obligations to financial institutions and others pending completion of mortgage registration for customer home mortgages of the Group ¥11,900 million ¥2,634 million Minato Vietnam Co., Ltd. 810 886 Total 12,711 3,520」

    Total guarantee obligations decreased from ¥12,711 million at the previous year-end, but increased from ¥2,369 million in FY2022-Q1 to ¥3,520 million. Guarantees related to customer home mortgages increased from ¥1,559 million to ¥2,634 million, while the guarantee to Minato Vietnam Co., Ltd increased from ¥810 million to ¥886 million.
  16. FY2022-Q1MitigatedAnnual report

    「Joint and several guarantee obligations to financial institutions and others pending completion of mortgage registration for customer home mortgages of the Group ¥11,900 million ¥1,559 million Minato Vietnam Co., Ltd. 810 810 Total 12,711 2,369」

    Total guarantee obligations decreased from ¥12,711 million at the previous year-end to ¥2,369 million. Guarantees related to customer home mortgages decreased from ¥11,900 million to ¥1,559 million, while the guarantee to Minato Vietnam Co., Ltd remained unchanged at ¥810 million.
  17. FY2021MitigatedAnnual report

    「Joint and several guarantee obligations to financial institutions and others pending completion of mortgage registration for customer home mortgages of the Group ¥13,428 million ¥11,900 million Minato Vietnam Co., Ltd. 251 810 Total 13,679 12,711」

    Total guarantee obligations decreased from ¥13,679 million at the previous year-end to ¥12,711 million. Meanwhile, the guarantee to Minato Vietnam Co., Ltd increased from ¥251 million to ¥810 million.
  18. FY2021-Q3MitigatedAnnual report

    「Joint and several guarantee obligations to financial institutions and others pending completion of mortgage registration for customer home mortgages of the Group ¥13,428 million ¥1,288 million Minato Vietnam Co., Ltd 251 657 Total 13,679 1,946」

    Total guarantee obligations decreased from ¥13,679 million at the end of FY2020 to ¥3,794 million in FY2021-Q2 and then to ¥1,946 million. Guarantees related to customer home mortgages amounted to ¥1,288 million, while the guarantee to Minato Vietnam Co., Ltd amounted to ¥657 million.
  19. FY2021-Q2WorsenedAnnual report

    「Joint and several guarantee obligations to financial institutions and others pending completion of mortgage registration for customer home mortgages of the Group ¥13,428 million ¥2,117 million Minato Vietnam Co., Ltd 251 1,677 Total 13,679 3,794」

    Total guarantee obligations decreased from ¥13,679 million at the end of the previous consolidated fiscal year to ¥3,794 million, but increased from ¥2,344 million in FY2021-Q1. In particular, the guarantee to Minato Vietnam Co., Ltd increased from ¥251 million to ¥1,677 million, resulting in increased guarantee exposure from the previous quarter.
  20. FY2021-Q1MitigatedAnnual report

    「Joint and several guarantee obligations to financial institutions and others pending completion of mortgage registration for customer home mortgages of the Group ¥13,428 million ¥2,014 million Minato Vietnam Co., Ltd 251 330 Total 13,679 2,344」

    Joint and several guarantee obligations related to customer home mortgages decreased from ¥13,428 million at the end of the previous consolidated fiscal year to ¥2,014 million, and total guarantee obligations also decreased from ¥13,679 million to ¥2,344 million. Meanwhile, the guarantee to Minato Vietnam Co., Ltd increased from ¥251 million to ¥330 million.
  21. FY2020WorsenedAnnual report

    「Joint and several guarantee obligations to financial institutions and others pending completion of mortgage registration for customer home mortgages of the Group ¥8,268 million ¥13,428 million」

    Joint and several guarantee obligations related to customer home mortgages increased from ¥8,268 million at the previous year-end to ¥13,428 million. In addition, a guarantee of ¥251 million to Minato Vietnam Co., Ltd was recorded.
  22. FY2020-Q3MitigatedAnnual report

    「Joint and several guarantee obligations to financial institutions and others pending completion of mortgage registration for customer home mortgages ¥8,268 million ¥1,541 million」

    Joint and several guarantee obligations related to customer home mortgages decreased from ¥8,268 million at the end of the previous consolidated fiscal year to ¥1,541 million, and also declined from ¥4,203 million in FY2020-Q2. Guarantee exposure remains.
  23. FY2020-Q2WorsenedAnnual report

    「Joint and several guarantee obligations to financial institutions and others pending completion of mortgage registration for customer home mortgages ¥8,268 million ¥4,203 million」

    Guarantee obligations decreased from ¥8,268 million at the end of the previous consolidated fiscal year to ¥4,203 million, but increased from ¥540 million in FY2020-Q1, resulting in increased guarantee exposure from the previous quarter.
  24. FY2020-Q1MitigatedAnnual report

    「Joint and several guarantee obligations to financial institutions and others pending completion of mortgage registration for customer home mortgages ¥8,268 million ¥540 million」

    Joint and several guarantee obligations related to customer home mortgages decreased significantly from ¥8,268 million at the end of the previous consolidated fiscal year to ¥540 million. Guarantee exposure remains, but decreased from the previous year-end.
  25. FY2019MitigatedAnnual report

    「Joint and several guarantee obligations to financial institutions and others pending completion of mortgage registration for customer home mortgages ¥8,268 million」

    Guarantee obligations related to customer home mortgages decreased from ¥12,881 million at the end of the previous consolidated fiscal year to ¥8,268 million. Guarantee exposure remains, but decreased year on year.
  26. FY2019-Q3First statedAnnual report

    「Joint and several guarantee obligations to financial institutions and others pending completion of mortgage registration for customer home mortgages ¥2,216 million」

    The Company recorded joint and several guarantee obligations to financial institutions and others pending completion of mortgage registration for customer home mortgages of ¥2,216 million. This decreased from ¥12,881 million at the end of the previous consolidated fiscal year.
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"Stable Supply of Newly Built For-Sale Condominiums in the Tokyo Metropolitan Area" moved the same way as this thread, in the same document, in 16 of its 26 moves.

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  1. ★This thread
  2. 1Stable Supply of Newly Built For-Sale Condominiums in the Tokyo Metropolitan Area16×
  3. 2Linking Performance and Corporate Value through Stock-Compensation-Type Stock Options13×
  4. 3Reliance on Borrowings and Financing and Rising Interest Rate Risks11×
  5. 4Expansion of the Property Renovation and Resale Business11×
  6. 5Expansion of the Number of Condominium Units Under Management10×
  7. 6Expansion of the Utility-Scale Solar Power Generation Business9×

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Guarantee Obligations Relating to Customer Home Loans | MIRARTH HOLDINGS,Inc. (8897) | Komori