Sanno University Bulletin Vol.26 No. 1 September 2005 A Study on Discontinuing Service by the Government Housing Loan Corporation and the Activation of the Japanese Housing Loan Market Retail sections in Japanese banks have started practicing active housing loan strategies. In expectation of discontinuing business by the Government Housing Loan Corporation in April 2007, they have begun to produce attractive loan programs. They also have begun making the strategies easier for their customers to choose services. Their management systems are drastically improving now. In this paper, the writer has researched discontinuing business by the Government Housing Loan Corporation. New housing loan programs offered by the banks and new management structures on bank housing loan services have been researched. This is so that he could discuss the revolution in progress on bank housing loan services. 2005 30 75
1950 1970 2002 1909 180 HP 76
Sanno University Bulletin Vol.26 No. 1 September 2005 61 2002 11 2001 12 2007 4,000 100 77
23 2003 61 6900 6 1.1% 5 75 50 2000 2004 20% 10% 2003 10 35 35 78
Sanno University Bulletin Vol.26 No. 1 September 2005 Fannie Mae FNMA Federal National Mortgage Association GSE 1938 1968 1970 35 79
Mortgage Backed Security 80
Sanno University Bulletin Vol.26 No. 1 September 2005 2 20 10 30 JA 10 2.2% 10 3.4% 10 2.55% 10 3.6% 2.5% 10 4.0% 2005 0.5% 81
30 2,000 40 35 35 35 80% 20% 100% 82
Sanno University Bulletin Vol.26 No. 1 September 2005 100% 100%110% 120% 200% 300% 83
HP 84
Sanno University Bulletin Vol.26 No. 1 September 2005 UFJ 1 1.5% 300% UFJ UFJ UFJ5,000 85
352.29% 354.02% 1,000 % 86
Sanno University Bulletin Vol.26 No. 1 September 2005 87
ATM 7,000 30 20 10 88
Sanno University Bulletin Vol.26 No. 1 September 2005 90% OK 10% 10 0.2% 0.8% 40% 35% 40% 89
80% 50 2565 75 25 50 90
Sanno University Bulletin Vol.26 No. 1 September 2005 20% 1.0% 2.3%1.3% 0.5% 0.5% % 2005 0.2% 91
92
Sanno University Bulletin Vol.26 No. 1 September 2005 93
25 65 48 4545 48 40% 35% 40% 40% 94
Sanno University Bulletin Vol.26 No. 1 September 2005 2006 2006 2004 2006 2002 11 10 980 95
4,000 23 2007 35 2003 10 35 35 96
Sanno University Bulletin Vol.26 No. 1 September 2005 http://www.mlit.go.jp/ http://www.hlgc.or.jp/ http://www.jyukou.go.jp/index/zaimu_index.html http://www.jyukou.go.jp/index/johokokai_index.html http://www.sumai-info.jp/ UFJ http://www.ufjbank.co.jp/kariru/jutaku/ http://www.mizuhobank.co.jp/loan/housing/ http://www.btm.co.jp/kariru/jutaku/ http://www.smbc.co.jp/kojin/jutaku_loan/ http://www.tokyostarbank.co.jp/starone/products/ homeloan/about_edm.asp?edm_id=103&rk=01000bze0008f2&mc=overturetest31 http://www.shinseibank.com/powerflex/housing/q_smart.html http://trust.orix.co.jp/bnk/jloan/index.htm http://www.goodloan.co.jp/ http://www.nomura.co.jp/terms/index.html JA http://www.ytg.janis.or.jp/info/kinyu/jyutaku.html http://www.shinkin.co.jp/scb/info/news/news17.pdf 2003 12 No.242 97
2004 2000 15 2003 UFJ 98