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	5	+= Overview =
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7	7	Zenoku Hoshu (TYO:7164) is mainly engaged in the operation of credit guarantee business. The Company conducts credit guarantee services centered on mortgage guarantees. “A company that guarantees mortgage loans” is an independent guarantee company that does not belong to any affiliated company.
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17	17	The Company has products that can meet various needs related to customers' housing funds. Their standard product, “Living Ichiban Next V”, covers a wide range of uses such as housing acquisition, refinancing, renovation and relocation, and can include various expenses associated with housing acquisition and loan borrowing. We are.  They also offer guarantee products that are compatible with the Flat 35 of the Housing Finance Support Organization, and guarantee products for borrowing bridging funds until the housing is completed. We also offer unsecured products for renovation funds, refinancing funds and borrowing expenses.
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19		-Their guarantee fees are categorized according to the mortgage guarantee amount, guarantee period, type of use of funds, customer income, years of service, collateral evaluation, etc. For example, in “Living Ichiban Next V”, there are five categories according to the customer's annual income ratio and collateral requirements, etc., and the normal guarantee fee applied to the 100% portion of the collateral price and the portion exceeding 100% There are categories of excess guarantee fees that apply, and customers with excellent attributes and collateral credits can use lower guarantee fees.
	19	+Their guarantee fees are categorized according to the mortgage guarantee amount, guarantee period, type of use of funds, customer income, years of service, collateral evaluation, etc. For example, in “Living Ichiban Next V”, there are five categories according to the customer's annual income ratio and collateral requirements, etc., and the normal guarantee fee applied to the 100% portion of the collateral price and the portion exceeding 100% There are categories of excess guarantee fees that apply, and customers with excellent attributes and collateral credits can use lower guarantee fees.{{footnote}}http://www.zenkoku.co.jp/service/loan_housing.html{{/footnote}}
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21	21	Pre-screening in a short number of days is possible by using a pre-screening application by fax.
22	22	In addition, by using the payer income next business day answer system that emphasizes response speed, in principle, we will respond to the examination on the next business day after the application date.
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24	24	== Apartment Loan Guarantee ==
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26		-Due to the fact that a certain level of repayment funding is secured, we handle preferential treatment of guarantee fees for projects with lump sum contracts by major construction companies. Regarding the effectiveness of leasing (sub-lease ^^* 1^^ ), there are various opinions due to various issues such as rent revision. However, for a certain period of time, we place emphasis on avoiding vacancy risk, and we recommend ancillary lending contracts.
	26	+Due to the fact that a certain level of repayment funding is secured, we handle preferential treatment of guarantee fees for projects with lump sum contracts by major construction companies. Regarding the effectiveness of leasing (sub-lease ^^* 1^^ ), there are various opinions due to various issues such as rent revision. However, for a certain period of time, we place emphasis on avoiding vacancy risk, and we recommend ancillary lending contracts.{{footnote}}http://www.zenkoku.co.jp/service/loan_apartment.html{{/footnote}}
27	27	Large construction companies and management companies, etc., leasing the target properties together makes it possible to predict rent income with high accuracy from the design stage, so it is possible to propose a reasonable financial plan to the owner.
28	28	In addition, regardless of the occupancy status, the owner can receive a fixed amount of rent ^^* 2^^ from the sub-lease company every month , ensuring stable income and supporting solid real estate rental management.
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30	30	== Card Loan Guarantee ==
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32		-Additional guarantee service for existing customers of mortgage guarantee.
	32	+Additional guarantee service for existing customers of mortgage guarantee.{{footnote}}http://www.zenkoku.co.jp/service/loan_card.html{{/footnote}}
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34	34	== Education Loan Guarantee ==
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36		-Uses of Funds
	36	+Uses of Funds{{footnote}}http://www.zenkoku.co.jp/service/loan_education.html{{/footnote}}
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38	38	* Remittance (only overdraft)
39	39	* Examination expenses (transportation, accommodation, and examination fees)