Japan Mortgage Service

Basic Information

Stock Code
7192
Industry
Other Financial Services
Category Detail
Insurance
Prefecture
Tokyo
Establishment Year
August 2005
Listing Year
December 2016
Official Website
https://www.m-s-j.jp/
TSE Information
TSE Information
Yahoo! Finance
Yahoo! Finance
Other Companies
Nishiritsu Electric, Toa Mi, Kyoei Securi, SBI Insurance Group, SOMPO Holdings, Anicom Holdings, MS&AD Insurance Group Holdings, Tokio Marine Holdings

Overview

Japan Mortgage Service is a leading company in Minato-ku, Tokyo, established in 2005, specializing in housing finance and providing one-stop support for builders.

Current Situation

Japan Mortgage Service centers its business on housing finance, offering a variety of financial services and consulting to builders and construction companies, establishing a stable revenue base. Since listing on the Tokyo Stock Exchange JASDAQ in 2016, it has increased its presence in the industry through market reclassification to the First Section. The business features housing acquisition support, integrating damage insurance and consulting for construction and real estate to provide one-stop responses to diverse customer needs. To enhance reliability as a financial firm and maintain competitiveness, it promotes service efficiency and IT integration, aiming to expand its customer base. Looking ahead, it considers changes in the housing market due to declining birthrates and aging population, planning active investments in product and service development for sustainable growth. With community contributions in mind, it continues to provide reliable housing finance services centered in Minato-ku, Tokyo.

Trivia

Interesting Facts

  • One of the few listed companies based in Minato-ku, Tokyo, specializing in housing finance.
  • Highly regarded in the industry as a pioneer in one-stop services for builders.
  • Offers a diverse lineup of housing-related financial products with high industry expertise.
  • Specializes in housing loan guarantee services, building strong ties with local small and medium builders.
  • Leads industry efficiency with IT-driven housing loan application automation.
  • Early rollout of natural disaster response insurance products in non-life insurance.
  • Actively expands housing-related education and training business, contributing to talent development.
  • Possesses specialized knowledge in real estate investment market through housing investment trust services.
  • Achieves stable product supply through long-term alliances with financial institutions.
  • Strengthens customer risk management support via introduction of legal and contract services.
  • Contributes to sustainable housing construction through environment and energy-saving support business.
  • Distinguishes itself from competitors with integrated insurance and finance services.
  • Promotes disaster prevention support and housing education through local community collaboration.
  • Significantly improves convenience for remote customers via enhanced online consultation services.
  • Among the first in Japan to introduce AI management systems for housing loan receivables.

Hidden Connections

  • Indirectly contributes to local government housing policy support through sales support to builders.
  • Conducts joint development of housing loan-related insurance products with insurance companies.
  • Serves as a major consulting and development partner in financial institutions' IT system renewal projects.
  • Contributes to overall industry sales capability improvement through education business for housing-related companies.
  • Cooperates with Ministry of the Environment and local governments on energy-saving and disaster-prevention housing promotion policies, supporting policy formation.
  • Builds close partnership with investment corporations amid growth in housing investment trust market.
  • Cooperates in Minato-ku, Tokyo's regional disaster drills and conducts resident support activities.
  • Continuously introduces and updates cutting-edge technologies through IT partner companies.

Future Outlook

Growth Drivers

  • Expansion of renovation market amid advancing aging population
  • Promotion of energy-saving housing financing supported by Ministry of the Environment
  • Business efficiency and customer service enhancement via IT technology utilization
  • Expansion of applicable scope from housing loan system revisions
  • Customer base expansion through strengthened local builder support
  • Product development responding to diversifying housing needs
  • Expansion of non-life insurance demand responding to increasing disaster risks
  • Spread of online and mobile services
  • Diversification of sales channels through strengthened financial institution partnerships
  • New service rollout backed by investment trust market growth
  • Increasing demand for environment, society, governance (ESG) compliance
  • Risk management responding to changes in housing-related laws and regulations

Strategic Goals

  • Nationwide rollout of one-stop services for builders
  • Become industry leader in housing-related IT platforms
  • Expand and promote sustainable housing finance products
  • Achieve over 90% retention rate through improved customer satisfaction
  • Over 50% ratio of energy-saving and environmentally considerate housing loans
  • Achieve over 80% utilization rate for online services
  • Capture over 20% market share in the industry
  • Standardize housing-related education and training business in the industry
  • Strengthen strategic partnerships with financial institutions and insurance companies
  • Build sustainable housing support system in collaboration with local communities

Business Segments

Builder Support

Overview
Provides one-stop support from housing finance to sales promotion for builders.
Competitiveness
Comprehensive support system tailored to builder needs
Customers
  • Small and medium builders
  • Local builders
  • Home construction companies
  • Renovation companies
Products
  • Housing loan guarantee service
  • Sales support system
  • Funding consulting
  • Risk management proposals

IT Systems for Financial Institutions

Overview
Provides systems to streamline housing loan operations for financial institutions and supports reliable operations.
Competitiveness
Advanced system integration technology combined with financial expertise
Customers
  • Regional banks
  • Credit unions
  • Housing loan specialized institutions
  • Guarantee associations
Products
  • Loan application management system
  • Repayment management system
  • Credit guarantee service

Insurance Company Partnership Services

Overview
Plans and supports sales of housing-related insurance products, strengthening partnerships with insurance companies.
Competitiveness
Integrated housing finance and insurance services
Customers
  • Non-life insurance companies
  • Life insurance companies
  • Agents
Products
  • Housing insurance product planning
  • Customer guarantee plans
  • Risk analysis services

Consulting for Real Estate and Construction Companies

Overview
Provides specialized consulting services related to construction and real estate.
Competitiveness
Multifaceted consulting for construction and real estate
Customers
  • Real estate developers
  • Construction consultants
  • Design offices
Products
  • Construction plan evaluation
  • Real estate appraisal
  • Structural safety surveys
  • Market analysis reports

IT Service Development and Provision

Overview
Develops and provides IT solutions for housing-related business support.
Competitiveness
Development capabilities leveraging industry-specific IT know-how
Customers
  • Housing financial institutions
  • Builders
  • Insurance agents
Products
  • Loan application automation system
  • Cloud repayment management
  • Sales support tools

Asset Management and Investment Trust Support

Overview
Provides operational support and management services for housing real estate investment trusts.
Competitiveness
Integrated support combining investment trust expertise and housing finance
Customers
  • Investment corporations
  • Real estate funds
  • Asset management companies
Products
  • RIET formation support
  • Asset management consulting
  • Operational reporting

Housing Maintenance Business Partnerships

Overview
Collaborates with housing maintenance businesses to strengthen service provision.
Competitiveness
One-stop housing maintenance support system
Customers
  • Renovation companies
  • Inspection service companies
  • Building equipment companies
Products
  • Maintenance contract management
  • Periodic inspection systems
  • Repair plan proposals

Education and Training Services

Overview
Provides specialized education and training for industry professionals to promote talent development.
Competitiveness
Industry-specific practical education curriculum
Customers
  • Builder owners
  • Housing sales staff
  • Insurance agency employees
Products
  • Housing loan training
  • Sales enhancement seminars
  • Insurance product training

Receivables Management and Collection Services

Overview
Specializes in management and collection support for housing loan receivables.
Competitiveness
Advanced risk management technology
Customers
  • Financial institutions
  • Guarantee associations
  • Builders
Products
  • Receivables management agency
  • Delinquency collection support
  • Credit management systems

Marketing Support Business

Overview
Implements marketing support to promote sales for housing-related companies.
Competitiveness
Effective support based on industry market analysis
Customers
  • Builders
  • Real estate companies
  • Insurance agents
Products
  • Customer acquisition support tools
  • Advertising strategy consulting
  • Digital marketing agency

Legal and Contract Related Services

Overview
Provides legal support and risk management for housing-related contracts.
Competitiveness
Addresses industry-specific legal challenges
Customers
  • Builders
  • Financial institutions
  • Home buyers
Products
  • Contract document creation support
  • Legal risk assessment
  • Dispute prevention consulting

Environment and Energy-saving Support Business

Overview
Supports environmentally considerate housing construction and energy-saving technology adoption.
Competitiveness
Highly effective support through industry collaboration
Customers
  • Housing materials manufacturers
  • General contractors
  • Design offices
Products
  • Energy-saving plan development support
  • Environmental evaluation reports
  • Subsidy application support

Competitive Advantage

Strengths

  • Specialization in housing finance
  • Comprehensive support system for builders
  • High IT system development capabilities
  • Diverse range of housing-related financial products
  • Convenience of base in Minato-ku, Tokyo
  • Reliability as a stable listed company
  • Strengthened integration with non-life insurance operations
  • Customer-oriented customized services
  • Multifaceted real estate consulting capabilities
  • Extensive industry network
  • Efficient receivables management know-how
  • Strategic growth and market adaptability
  • Active expansion of customer education and training business
  • Strong partnership building
  • Legal risk management capabilities

Competitive Advantages

  • Housing finance products optimized for builder needs
  • Improved customer convenience through one-stop services
  • Differentiation via integrated finance, real estate, and insurance businesses
  • Business efficiency support via high-value IT systems
  • Industry-close network built with headquarters in Tokyo
  • Segmented support system for diverse customer segments
  • Strong business alliances with financial institutions and insurers
  • Value creation through specialized consulting
  • Security provision via risk management and legal services
  • Improved contract retention rates with comprehensive services including customer education
  • Social value creation through environment and energy-saving support
  • Advanced market response in investment trust services
  • Resilient business foundation through diversified operations against market changes
  • Flexible services customizable per customer
  • Competitive edge via advanced business support tools

Threats

  • Decline in housing acquisition demand due to aging population and low birthrate
  • Business restriction risks from strengthened financial regulations
  • Intensified competition from competitors' advancing financial IT technologies
  • Increased non-life insurance payouts from rising natural disasters
  • Profit pressure from prolonged low interest rates
  • Stagnant housing market and declining new construction starts
  • Expanded credit risk and loan write-offs from rising customer credit risks
  • Rising adaptation costs from legal amendments
  • Risk of information leaks from technology risks
  • Increased housing loan delinquencies during economic downturns
  • Competitiveness decline risk from delayed digitalization
  • Intensified price competition in the insurance market

Innovations

2024: Introduction of Housing Loan Application Automation System

Overview
Utilizes AI to automate loan application processing, achieving efficiency improvements.
Impact
Reduced application processing time by 30%, improving customer satisfaction.

2023: Diversification of Housing-related Insurance Products

Overview
Added insurance products for earthquakes and floods to strengthen risk coverage.
Impact
Insurance subscription rate increased 15% year-over-year.

2022: IT Platform Renewal Project Launch

Overview
Updated customer management and sales support IT infrastructure to promote business efficiency.
Impact
Significantly improved customer service quality and internal operations speed.

2021: Launch of Smart Loan Service

Overview
Rolled out fully online housing loan application service.
Impact
Successfully acquired younger customers, contributing to market expansion.

2020: Expansion of Refinance Loan Product Lineup

Overview
Added loan products for renovations to expand customer base.
Impact
Renovation-related sales increased 10% from previous year.

2024: Enhancement of Online Consultation Services

Overview
Online-ized financial and insurance consulting to improve customer convenience.
Impact
Remote area customers increased by 30%.

2023: Introduction of AI Analysis System for Receivables Management

Overview
Strengthened collection risk management with AI analysis for efficient recovery.
Impact
Delinquent receivables recovery rate improved by 20%.

2022: Launch of Energy-saving Housing Loan Proposals

Overview
Newly established low-interest loan products for environmentally friendly homes.
Impact
Successfully acquired environmentally conscious customers.

2021: Introduction of IT Training Program

Overview
Implemented training program to improve employee IT skills.
Impact
Contributed to business efficiency and error reduction.

2020: Strengthening of Housing-related Data Analysis

Overview
Established analysis framework for customer data and market trends to enhance proposals.
Impact
Contributed to improved contract rates and product enhancements.

Sustainability

  • Support for energy-saving promotion in housing finance provision
  • Expansion of development and provision of environmentally considerate products
  • Disaster prevention support through collaboration with local communities
  • Promotion of paperless operations via business digitalization
  • Ongoing enhancement of corporate ethics and governance
  • Promotion of diversity through utilization of diverse talent
  • Thorough customer privacy protection measures
  • Introduction of long-term environmental risk management
  • Promotion of sustainable housing finance in collaboration with industry groups
  • Implementation of housing education support as social contribution activities
  • Expansion of financial support for energy-saving home construction
  • Service development aimed at reducing environmental impact