"Survey analysis concerning preference of use of housing loan according to residence area andhouse"～Trend analysis of house kind another housing loan and financial institution selection according
to administrative divisions～A&P financial Ltd.
Kazuya Kizawa< summary >The revision and the foundation of the law related to the house of last few years and the systemare expected for a builder and a small and medium-sized construction company that supplies
about 80 percent of detached houses in Japan to receive a very big influence. Moreover, it is
becoming a situation that cannot be survived without correspondence to them for thediversification of consumer needs in recent years.
On the other hand, the consumer is requesting the comfort of the quality enhancement and theliving of life there more than the function as "Person" is requested from the house. The preference
to the house is connected with the ease after it lives after the house is acquired. Moreover, life
and the living are the one that consists only after capital proof is fraught. It is mistaking the means
for the end when life becomes it very much because it acquires the house.
Therefore, the house supplier including a small and medium-sized construction company thinks
the re-not only the quality of the house and the performance but also the manner of living andoffers additionally of the amount of money of the construction estimate of architectural
undertaking contract of the capital plan including the method of repaying the housing loan before
to be requested. A small and medium-sized construction company is an enterprise that sticks tothe region. It is requested the best strong point and to be supported to keep living in the house atease from the consumer to correspond to the trouble etc. of the house quickly as a role. However,there is a possibility of will live while holding big uneasiness in respect of life when the consumer
makes a mistake in the selection and how to unite the housing loan even if it is possible to berelieved to the house. In the residential house acquisition, it is an ideal that untroubled living
conditions and the living afterwards are mortgaged.
The preference to the house varies by region. For instance, it is 97.6% in Hokuriku to regional
when seeing, and 59.4% in the metropolitan area though about 70 percent chooses conventional
Kizukuri in the industrial method of the house if it sees on a nationwide scale. Moreover, Kinki
tends to choose the prefab (iron frame system) compared with other areas, and the wood frame
construction is chosen comparatively in Hokkaido and Tohoku. The influence by the climate isalso large. thisMoreover, the long-term excellent house spread promotion method starts on June 4, 2009. "Asfor the cost improvement up to about 20%, the answer that it is possible to allow it exceeds 60
percent if there is an economic effect such as lasting long even if the addition of the cost of

construction that lies the house performance reinforced is necessary to achieve making of thehouse long-lived to some degree. " according to "Consciousness survey concerning how of thehouse in 2008 fiscal year to live" (housing loan support mechanism). The backup of the housing
loan to the consumer who hopes that it will raise the performance and the quality of the house isrequested more.
In addition, it is thought that it wants you to develop while linking the inside and the housing
loan from which management as the service industry comes to be requested from the financial
institution and the house entrepreneur with the quality, the performance, and the value of thehouse.