Based on our belief that human resources are our most important management resources, the ZENKOKU HOSHO Group has set out in our management policies that we will develop human resources equipped with extensive knowledge and capable of responding with flexibility and speed to the increasingly diversified jobs and changes of the times, and that we will create an attractive and rewarding work environment in which each and every employee can use their abilities to the fullest extent.

Human Capital Initiatives

We pledge in our management philosophy to help our customers realize their dreams and happiness by offering the highest-quality guarantee instruments and services to all customers who need credit guarantees, and to contribute to the development of regional communities. We are committed to doing our part in revitalizing regional communities through our housing loan guarantee business, our core operation.

The Company has engaged in the credit guarantee business focusing on housing loan guarantees. By us undertaking joint and several guarantee, there will be no need for customers (housing loan borrowers) to ask an individual to act as a joint and several guarantor.
Financial institutions will be able to reduce the risk of becoming unable to collect housing loans, and can provide loans with a sense of security. In this way, through credit guarantee services that benefit both customers (housing loan borrowers) and financial institutions, ZENKOKU HOSHO helps to revitalize the housing loan market and fulfills an important role in society.

In order to offer products and services that meet the needs of our customers (housing loan borrowers) and financial institutions, we make revisions and improvements to our products and services based on their requests. As part of our efforts to increase added value, we are constructing an application scheme for submitting guarantee applications using dedicated lines and Internet connection, in addition to existing methods such as fax or postal delivery. The new scheme will help shorten the time to reply and strengthen the security. We will continue seeking ways to further increase added value.
In addition, each year, we conduct housing loan campaigns to contribute to financial institutions' sales promotion aimed at increasing housing loan originations. In FY2024/3, we awarded "catalogue gifts" to all members who have taken out housing loans with the Company acting as joint and several guarantor. As an additional initiative, from April 2023, we are carrying out a campaign aimed at families in their child-rearing phase, which considers the trend of the housing market, particularly the recent rises in land prices, building material prices, etc. The Company rarely has opportunities to directly meet with home loan borrowers. However we are working to provide various services through financial institutions.

In cooperation with local governments and financial institutions, we have developed housing loan products specifically targeting vacant houses, and in May 2024, we concluded an agreement with Hakone Town on measures to address vacant houses. We offer preferential housing loan fees for properties registered in vacant house databases.
We hope to contribute to the region and help revitalize it by working to resolve issues in the regional community through measures to address vacant houses.

We are supporting the activities of Japan Philharmonic Orchestra. Japan Phil is one of Japan's leading orchestras with a history spanning over 60 years, and has been engaged in activities for the regions, not only through our performance activities but also by continuing to teach musical instruments to and hold workshops for children since immediately after the Great East Japan Earthquake in 2011. We will continue backing the Orchestra's efforts as a way to contribute to the development of cultural projects and regional communities.

Providing information via the website and other channels

Our website provides the customers of our guarantee services with information pertaining to pre-loan and post-loan stages.

Conducting briefing sessions, study sessions and on-demand consultations upon request

Since guarantee orders are received via the financial institutions, we plan and suggest holding sessions such as briefing sessions and study sessions for persons in charge at financial institutions in order to deepen their understanding of our guarantee products and administrative procedures, aiming to help promote housing loans. We ask each financial institution to inform us of details including desired theme, target audience, and timeframe in advance and hold the sessions according to their requests. After each session, we visit each office/branch of the financial institution to provide follow-up and support.

Briefing session・Study session

On-demand consultation

Our staff in charge of screening will provide consultations on individual cases at a booth in the company building of the financial institution. In addition to answering questions about housing loans in general, staff can also provide preliminary consultation prior to applying for a guarantee underwriting review.