"Loan you can't wait for? or Loan you can wait 2 years for?" Meru Nukumi and Chocolate Planet co-star!! Japan Housing Finance TV CM starts airing from May 9!
Japan Housing Finance Co., Ltd. will start airing a new TV commercial for its "2-Year Waiting Loan (MCJ Flat Kiwami 40)" from May 9, featuring actress and model Meru Nukumi and comedy duo Chocolate Planet. This loan addresses concerns about rising interest rates by offering a fixed rate that can be switched to a variable rate after two years.
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- 📰 Published: May 10, 2026 at 00:00
- 🔍 Collected: May 9, 2026 at 15:31
- 🤖 AI Analyzed: May 9, 2026 at 15:35 (3 min after Collected)
Japan Housing Finance Co., Ltd. (Headquarters: Shibuya-ku, Tokyo, President and Representative Director: Naohiro Ando, hereinafter "Japan Housing Finance"), a financial institution specializing in housing loans, will begin airing a new commercial featuring model and actress Meru Nukumi and popular comedy duo Chocolate Planet from Saturday, May 9, 2026.
The new commercial introduces our "2-Year Waiting Loan (MCJ Flat Kiwami 40)" to those who are struggling with housing loan choices amidst rising interest rates.
Click here for the CM video.
In the current climate of rising interest rates, more people are feeling anxious about "which housing loan to choose" and "is now the right time to borrow?" Should it be a fixed-rate loan, or a variable-rate loan...? Japan Housing Finance proposes the optimal loan for an era where the right answer is unclear!
The key message is "Loan you can't wait for? or Loan you can wait 2 years for?". Please enjoy Meru Nukumi as a flight attendant and Chocolate Planet comically expressing their dilemma in choosing a housing loan!
30-second version (YouTube link)
15-second version (YouTube link)
What is the "2-Year Waiting Loan (MCJ Flat Kiwami 40)"?
The "2-Year Waiting Loan (MCJ Flat Kiwami 40)" is a full-period fixed-rate housing loan provided by Japan Housing Finance. Its biggest feature is that it can be switched from a fixed rate to a variable rate at any time after two years from borrowing. In the current environment of continuously rising interest rates, it has been very well received since its launch, meeting the needs of customers who "want to start safely with a fixed rate first, but want to switch to a variable rate if interest rates stabilize in the future."
Click here for the CM special site (Site URL)
Performer Profiles
Meru Nukumi
Born March 6, 2002, from Aichi Prefecture.
Model and actress. Exclusive model for Shogakukan's "CanCam."
While active in variety shows such as NTV's "Hirunandesu!" and "THE Toppa File," she debuted as an actress in 2021. She has appeared in popular dramas such as "Koi desu! ~Yankee-kun to Hakujou Girl~" (NTV), "Ishiko to Hanao - Sonna Koto de Uttaemasu?-" (TBS), "Kazama Kimichika ~Kyojo 0~" (CX), and "Nichiyou no Yoru gurai wa..." (ABC/EX). In 2022, she made her film debut as the heroine in "Moekare wa Orange-iro" and received the 46th Japan Academy Film Prize for Newcomer of the Year. In 2024, she starred in the TBS Tuesday drama "Kururi ~Dare ga Watashi to Koi wo Shita?~" marking her first lead role in a prime-time drama. In 2025, she will appear in films such as "TOKYO MER ~Hashiru Kinkyu Kyumeishitsu~ Nankai Mission." On March 20, 2026, "Kimi ga Saigo ni Nokoshita Uta," in which she plays the heroine, will be released, followed by the film "SAKAMOTO DAYS" on April 29.
Chocolate Planet
A comedy duo formed in 2006 by Shohei Osada and Shun Matsumoto. They advanced to the finals of "King of Conte" three times in 2008, 2014, and 2018. They gained immense popularity with characters and impersonations, including the "TT Kyodai." Their YouTube channel "Chocolate Planet Channel" has 2.48 million subscribers (as of April 2026). They are widely active in various fields, appearing regularly on "Hirunandesu!" (Nippon Television Network) and "Atarashii Kagi" (Fuji Television Network).
Japan Housing Finance Co., Ltd. Company Overview
Japan Housing Finance Co., Ltd. is a new type of financial institution specializing in housing loans, established through joint investment by Sekisui House, Daiwa House Industry, Sumitomo Forestry, Sekisuiheim, and Mitsubishi HC Capital. We provide optimal housing loans tailored to each customer's life plan and support the realization of their dream home.
Trade Name: Japan Housing Finance Co., Ltd. (The Mortgage Corporation of Japan, Limited. Abbreviation: MCJ)
President and Representative Director: Naohiro Ando
Established: May 2003
Official Website: https://www.mc-j.co.jp/
Contact: Japan Housing Finance Co., Ltd. Public Relations Department
9F Shinjuku Minds Tower, 2-1-1 Yoyogi, Shibuya-ku, Tokyo 151-0053
TEL: 03-6701-7700
The new commercial introduces our "2-Year Waiting Loan (MCJ Flat Kiwami 40)" to those who are struggling with housing loan choices amidst rising interest rates.
Click here for the CM video.
In the current climate of rising interest rates, more people are feeling anxious about "which housing loan to choose" and "is now the right time to borrow?" Should it be a fixed-rate loan, or a variable-rate loan...? Japan Housing Finance proposes the optimal loan for an era where the right answer is unclear!
The key message is "Loan you can't wait for? or Loan you can wait 2 years for?". Please enjoy Meru Nukumi as a flight attendant and Chocolate Planet comically expressing their dilemma in choosing a housing loan!
30-second version (YouTube link)
15-second version (YouTube link)
What is the "2-Year Waiting Loan (MCJ Flat Kiwami 40)"?
The "2-Year Waiting Loan (MCJ Flat Kiwami 40)" is a full-period fixed-rate housing loan provided by Japan Housing Finance. Its biggest feature is that it can be switched from a fixed rate to a variable rate at any time after two years from borrowing. In the current environment of continuously rising interest rates, it has been very well received since its launch, meeting the needs of customers who "want to start safely with a fixed rate first, but want to switch to a variable rate if interest rates stabilize in the future."
Click here for the CM special site (Site URL)
Performer Profiles
Meru Nukumi
Born March 6, 2002, from Aichi Prefecture.
Model and actress. Exclusive model for Shogakukan's "CanCam."
While active in variety shows such as NTV's "Hirunandesu!" and "THE Toppa File," she debuted as an actress in 2021. She has appeared in popular dramas such as "Koi desu! ~Yankee-kun to Hakujou Girl~" (NTV), "Ishiko to Hanao - Sonna Koto de Uttaemasu?-" (TBS), "Kazama Kimichika ~Kyojo 0~" (CX), and "Nichiyou no Yoru gurai wa..." (ABC/EX). In 2022, she made her film debut as the heroine in "Moekare wa Orange-iro" and received the 46th Japan Academy Film Prize for Newcomer of the Year. In 2024, she starred in the TBS Tuesday drama "Kururi ~Dare ga Watashi to Koi wo Shita?~" marking her first lead role in a prime-time drama. In 2025, she will appear in films such as "TOKYO MER ~Hashiru Kinkyu Kyumeishitsu~ Nankai Mission." On March 20, 2026, "Kimi ga Saigo ni Nokoshita Uta," in which she plays the heroine, will be released, followed by the film "SAKAMOTO DAYS" on April 29.
Chocolate Planet
A comedy duo formed in 2006 by Shohei Osada and Shun Matsumoto. They advanced to the finals of "King of Conte" three times in 2008, 2014, and 2018. They gained immense popularity with characters and impersonations, including the "TT Kyodai." Their YouTube channel "Chocolate Planet Channel" has 2.48 million subscribers (as of April 2026). They are widely active in various fields, appearing regularly on "Hirunandesu!" (Nippon Television Network) and "Atarashii Kagi" (Fuji Television Network).
Japan Housing Finance Co., Ltd. Company Overview
Japan Housing Finance Co., Ltd. is a new type of financial institution specializing in housing loans, established through joint investment by Sekisui House, Daiwa House Industry, Sumitomo Forestry, Sekisuiheim, and Mitsubishi HC Capital. We provide optimal housing loans tailored to each customer's life plan and support the realization of their dream home.
Trade Name: Japan Housing Finance Co., Ltd. (The Mortgage Corporation of Japan, Limited. Abbreviation: MCJ)
President and Representative Director: Naohiro Ando
Established: May 2003
Official Website: https://www.mc-j.co.jp/
Contact: Japan Housing Finance Co., Ltd. Public Relations Department
9F Shinjuku Minds Tower, 2-1-1 Yoyogi, Shibuya-ku, Tokyo 151-0053
TEL: 03-6701-7700