Sumitomo Mitsui Trust Bank Analyzes Regional Trends in Housing Loans
三井住友信託銀行發布住宅貸款調查，顯示在房價普遍上漲背景下，首都圈雙人貸款比例高，而其他地區超長年期貸款則有增加趨勢，揭示區域性差異。
📋 Article Processing Timeline
- 📰 Published: May 13, 2026 at 19:00
- 🔍 Collected: May 13, 2026 at 10:31
- 🤖 AI Analyzed: May 15, 2026 at 23:53 (61h 21m after Collected)
The Sumitomo Mitsui Trust Asset Future Research Institute conducted a large-scale survey of 10,000 individuals regarding housing loans. The report reveals that while construction costs are driving up property prices nationwide, borrowing strategies differ significantly by region. In the Tokyo metropolitan area, 'pair loans' (joint borrowing) account for 25.6%, whereas ultra-long-term loans exceeding 35 years are expanding in other regions. Despite rising loan amounts, the study indicates that most households maintain a balanced loan-to-income ratio of approximately seven times their annual salary, reflecting regional financial adaptations.