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Question title: "Tiling"

Thank you for today.

I was re-reading the seminar materials received today, but I was so worried that I emailed me.

There was a statement in the document that the loan may be "tiled" as a condition, but is that true?
Considering that the tiles are just the surface of the outer wall and not the essence of the structure, the fact that such a condition is mentioned as a condition may be very nonsense.
Could you please give us a clear explanation?


I understand that it is a seminar for beginners,
Isn't it better not to give intuitive answers to questions from seminar participants?

As a company that deals with investment, I need to be able to explain the numerical grounds ...


Sorry for your late reply!

Thank you very much for participating in our at-home seminar the other day!Thank you very much.Again, I am very sorry for the late reply. Regarding "tiling", when I checked with the bank, it seems that neither Suruga Bank nor Orix Bank are currently sticking to "tiling".Come to think of it, there are many new apartments and newly built apartments that are not tiled.Also, when I asked a first-class architect who is indebted to me about "tiling", I was told that before the bubble economy, "tiles" were carefully pasted one by one, so they were strong and durable. It was strong, but after the bubble, sheet pasting (a method of pasting sheets with connected tiles) neutralizes quickly, is difficult to repair, and is more difficult to handle than mortar before that. He said, "If it's a recent tile, the old mortar is much stronger!"I'm fine!I believed that "tiling" was an apartment before the bubble.No, I felt as lonely as Urashima Taro.I am very sorry for the old story...Also, I apologize for not being able to provide accurate figures regarding vacancy rates and oversupply.There is no website where you can search for such figures, and the figures announced by the government are outdated and useless... However, as you pointed out, we cannot talk about numerical grounds. , Customers will also be in trouble, so we would like to do various investigations and prepare.Thank you very much for pointing this out!Thank you very much.Opinions from customers are the most important assets of the company.We look forward to your continued guidance in the future.Thank you very much.

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Answer staff: Rie Tokuda