Zentaku Housing Loan Corporation (E03738) Stock Price

Zentaku Housing Loan is a financial institution that began operations in 2005, specializing in the Japan Housing Finance Agency's "Flat 35" mortgage product. The company focuses on long-term, fixed-rate, low-interest housing loans, and has recently expanded its product lineup to include offerings such as "Flat 50" and "Re-Verse 60." Established as a member support initiative of the National Association of Real Estate Agents, the company is characterized by providing loan services specialized for the real estate industry.

The company's primary customers are real estate agents who are members of the National Association of Real Estate Agents, and the company has built a system in which these agents function as mortgage service windows. Revenue is generated from mortgage handling fees and interest income. By integrating real estate transactions with housing loan applications, the company achieves operational efficiency, improves customer convenience, and shortens the time to contract completion.

The business is centered on housing loan operations, with bridge loan services also showing steady growth. Through its subsidiary Zentaku Finance, the company also provides real estate-backed business financing, handling insurance-backed purchase and resale funds for used housing circulation promotion, as well as secured and unsecured loan products. This positions the company to meet a wide range of financial needs, from home purchases to business capital.

Zentaku Housing Loan specializes in long-term fixed-rate housing loans centered on Flat 35, aiming to build a stable management foundation. The company uses managed loan balance of 475.8 billion yen (as of March 31, 2025) as a key performance indicator and strengthens its revenue base through increased loan execution volume and expanded servicing fee income. Working in partnership with member institutions under the Zentaku Federation, the company is focused on improving customer satisfaction and establishing a diversified revenue structure.

On the sales front, the company has strengthened its regional sales operations by deploying area managers across the country. It is working to secure stable funding sources by enhancing and managing pre-execution loan funding, while pursuing cross-selling initiatives to drive diversified revenue growth. The company also leverages policy support measures such as the Housing Finance Agency's "F35 Child Support Plus" program to actively develop younger customer segments.

In technology innovation and operational efficiency, the company prioritizes web utilization and digitalization as core strategies. It actively invests in systems designed to improve operational efficiency while simultaneously strengthening compliance and security frameworks and modernizing internal management systems. For talent development, the company is enhancing its education and training programs to build product and operational knowledge, ensuring the cultivation and retention of high-quality personnel.