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Share of private financial institutions using scoring systems in the screening process for housing loans in Japan in 2022

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Sources

Release date

March 2023

Region

Japan

Survey time period

October to November 2022

Number of respondents

1,009 private financial institutions*

Special properties

completed survey forms were collected by mail, e-mail, fax, etc.

Supplementary notes

*Survey sample:
City banks and trust banks: n=16
Regional banks I: n=60
Regional banks II: n=34
Shinkin banks: n=223
Credit cooperatives: n=128
Labor credit associations: n=13
Agricultural cooperatives: n=515
Life insurance companies: n=5
Non-life insurance companies: n=2
Mortgage banks, etc.: n=13

The scoring method refers to the use of a score for different items (annual income, etc.) of an applicant's data to determine whether or not a loan is granted.

Citation formats

Usage of scoring systems in the review process for home loans in Japan 2022

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