Region in Japanの最近のブログ記事

The trend that parts with the logjam and my home at a public sale becomes strong a repayment of a housing loan by the depression that originates the edge in "Remanshocc" of the autumn of last year.

The house spent in the auction sale in fiscal year 2008 is 16,577 according to the housing loan support mechanism (old government housing loan corporation) that is 35% more in fiscal year 2007. It was most after fiscal year 2002.
The probability that the attachment of the article increases was large, and the financial institution that wanted to avoid coming out of the Loon failure () one after another started the counter measure starting with the setback of the bonus in June.

This support mechanism is a big lender who has about 20% of domestic housing loan balance about 180 trillion yen. There is a voice with "The consignment lingua debt collection affairs began to turn to a special company after the executive agency of 07 years ..moving.." in this support mechanism about the reason why the auction sale number increases, too.

However, it is correct in a recent auction sale article that there is an aftereffect of "Remanshocc" in the backdrop because the real estate made a bad debt stands out. The auction sale number of whole countries that began to increase from the 08th beginning of the year increased rapidly after September last year, and doubled according to the real estate auction sale circulation association (representative director Mitsumori Yoshimura) that handled analysis and the Freedom of Information Act of the real estate auction sale in this year.

Especially, shape that the deterioration in earnings of the local company like the Toyota Motor group relation etc. throws a shadow out directly as the auction sale of the detached house increases in the aichi prefecture by a factor of about seven.

If the article where the Loon repayment stagnates looks for the client through a private real estate resale trader, and is not found, it is general that the auction sale is processed. However, the case put directly from squeezing the financing to the estate agent from whom the financial institution buys the clearance article recently on the auction sale is not unusual.
When this gives impetus to "Increase in the auction sale article" (representative director Yoshimura), it is Iu.

The financial institution who is the lender also expresses a sense of crisis and it is not Yama.

The local bank such as Akita Bank sets up the repayment inquiry counter of the housing loan in Mie Bank. When 150 consultations or more were received by May together with the telephone consultation service, the Akita silver is Iu.

It judges from the deposit balance of the client and the transfer situation etc. of the salary overall for Keiyo Bank, it contacts the client from whom the repayment seems to become painful, and hoof according to the consultation. Even if you temporarily get over the repayment｢If economic environment progression of the disease is prolonged, it is not possible to repay it sooner or later. Then, the banking might be affected. ｣(regional bank)Body. This support mechanism is hoof in the client according to the consultation of the payback program such as the bonus payment Ona camphor of summer besides a part of major banks began also to make the manual of the consultation of the repayment.

- Auction sale number of housing loan support mechanisms
http://www.business-i.jp/news/sou-page/news/200906160013a2.jpg

- Housing loan support mechanism http://www.jhf.go.jp/

- Source
http://www.business-i.jp/news/sou-page/news/200906160013a.nwc

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The ion lace is steady.
The Nikkei Shimbun dated the 19th morning newspaper is reported that the consolidated recurring profit at the period of 2009.3. - 2009.5. of this company is supposed to have become about nine billion yen of about 6% increase compared with corresponding period of the last year.
When the ability to pull in more customers of existing SC rises in redecorating and Mayuca besides two places were established in April, and the rent income from the tenant expanded, it is Iu as for shopping center (SC).

The source
Http://jp.reuters.com/article/jpSubMarketNews/idJPnTK030441820090619 ion lace http://www.aeonmall.com/

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The people who bought my home are pinches on the assumption of the annual income of the right shoulder going up. The case that decreased drastic salaries and the bonus and came to a standstill to the repayment began to appear. "Scorching of the housing loan might be made a social issue like the United States. "The voice to worry about "Crisis in June" has been raised from the specialist, too.

In man (48) in Sakaishi in which it worked for the IT company, salaries were 500,000 yen, and sharp declines in 200,000 yen from 700,000 yen at year-end last September. The salary doesn't go up like 200,000 yen though it doesn't collect and it changed one's job in the same industry segments even if the training period of three months is passed job change ahead.
It parts in April there and it is looking for a job.

The housing loan repayment of 120,000 every month yen is heavy and it ..Noshi.. drives it. It is in 01 years to buy the solitary house.
Loon was united for 35 years of 31.8 million yen. It ..IT company.. ..cooperation.. carried on at that time and there was an annual income near for nine million yen. However, it falls into the financial difficulty and the debts other than the housing loan are cares. There are 45 million yen balances including 30 million yen for the house.

The debts other than the housing loan are prepared now and it prepares it.  request "Individual regeneration" in which abatement Shite also aims at leprosy and the life reconstruction to the courtHowever, the attorney who receives the consultation doubts it , saying that "If it doesn't first find a stable reentry ahead, the motion is not perceived".

The man｢Can do nothing but you return it by the life insurance?It thinks seriously so. ｣It speaks. 

"Savings of 60 years old are exhausted as it stands within five years after retirement. "

Husband (52) who worked together at the shop of the Osakashi internal plastic part manufacturer and wife (57) turned pale at the clarification of Financial planner's Shuichi Yamashita (46). The trial lingua bar chart had changed the assets balance in the future to the minus in this side of 65 years old.

The net profit ..married couple.. matched : to the decrease from April for 120,000 yen, and 330,000 yen. For regular member's husband, base pay is cut 15,000 yen, and benefit packages of the perfect attendance allowance and the commuted ration, etc. are abolitions across the board. The bonus of last winter is 150,000 yen of reducing by half. It is dangerous this summer whether go out. Working hours has decreased to the wife of the part drastic by the order decrease.

Loon of 26 million yen was united eight years ago and the apartment house was bought. Balances are 21 million yen, and the paying off schedule is 75 years old. It came to be worried, and it consulted Mr./Ms. Yamashita , saying that "Can you return it?".
Mr./Ms. Yamashita advises that the cancellation money of the life insurance is turned to the advancing repayment. In addition, if the husband worked up to 65 years old while suppressing the spending from now to every month for 30,000-40,000 yen, a new trial that it was possible to pay off it was flipped to 70 years old.

"Retirement pay is returned and only the half of assumption was able to go out, and to return the housing loan" and "It went bankrupt wife's part ahead. "When it enters this year, and such a consultation increases rapidly, the Mr./Ms. Yamashita under is Iu.
In the examination of private organ of survey "Labor administration laboratory", the bonus of the Tokyo Stock Exchance 1st section listed enterprise this summer is 648,149 yen on the answered average of 140 companies. It has decreased more than the previous year for 108,927 yen.
The crack at the previous year is seven years, and the width of dropping is a the greatest and after this laboratory is launched an inquiry in 70, Iu. The machine was 32.8% decrease, and the car was 27.9% decrease, and in the by types of industry, the electric machine was large 20.7% decrease and manufacture, dropped, and the non-manufacturer was 2.1% decrease.

"Those who come to a standstill to the repayment might increase rapidly from this summer bonus. "The seat researcher of Kazuo Ishikawa of the Tokyo foundation that there is "Japanese version sub-prime crisis" in collaboration specifies it so. ｢Property prices are in the downside, and might fall below the purchase forehead greatly even if it cannot help selling it off. It is a hazard to overwork and to buy. It is necessary not to be made it dance, and to judge it calmly languages such as 'Repayment forehead at the house-rent level' and 'It is disadvantageous when buying it now'. ｣It speaks. 

〈 individual regeneration 〉
System provided for 01 years by revising civil rehabilitation law for person who came to a standstill to repayment of a loan to lose residence and to prevent it being become impossible to do life reconstruction. The debts other than the housing loan were reduced, and the special provision that was able to do the postponement of the housing loan repayment was provided. The obligation foreheads except the house are within 50 million yen, and the individual who can expect a continuous revenue is an object. The number of cases of individual regeneration using this special provision counted 10,349 in 08, and exceeded 10,000 for the first time according to the supreme court. 3417 in April of as many as 09 years. It has increased for 08 years by an average pace.


- Transition of bonus average allowance of summer of Tokyo Stock Exchance 1st section listed enterprise
http://www.asahi.com/national/update/0618/images/OSK200906180106.jpg

- Source
http://www.asahi.com/national/update/0618/OSK200906180069.html

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