FB mortgage

CEO

Takahiro Neishi

takahiro neishi
Support customers home purchase with Flat 35

Flat 35 is a home loan product provided by the Japan Housing Finance Agency. It is a fixed-rate loan, so people can plan their futures without being swayed by changes in interest rates. We put together the best plan for each aspiring homeowner focusing on speed, responsiveness, and ability to develop proposals.

Year of Birth
1980
Birthplace
Nagano
Name
FB mortgage
Headquarters
Yamazaki Building 2, 2F, 4-241-2 Sakuragi-cho, Omiya-ku, Saitama City, Saitama
Founded
2015
Type of business
Introduction to and the handling of paperwork for Flat 35 home loan products
url
https://fbm35.com/
Eight percent of home loans are adjustable-rate loans from banks. This requires applicants to meet conditions like being a company employee who has worked for a company for three years or more. If you have to wait for two or three years to buy a house because you are not eligible for a bank loan, you may lose an opportunity to buy. Alternatively, Flat 35 accounts for the remaining 20% of home loans, and has the advantage of flexibility. There are a wide variety of possible proposals, because the loan conditions are different from those of banks. The best thing about our business is that we can maximize this advantage and fully support customers to make their dreams of home ownership come true. Because every customer is operating under different conditions, such as different annual incomes or having car loans, we would develop a hundred different proposals for a hundred different customers. To realize the dreams of each customer, we focus on our three strengths: speed, responsiveness, and our ability to develop proposals. Speed results from our repeated negotiations with banking institutions that handle Flat 35 loans, allowing us to aim to be the fastest in the industry.

As a result, we are establishing a system that finishes loan-approval examinations within two days where it would normally take a week. Since longer examinations make customers more anxious, we are trying particularly to respond the fastest. Our responsiveness results from our focus on fast, efficient interactions with customers. For example, though it is normal to give one answer to one question, we always look ahead and are prepared to answer to all possible questions at once. Our ability to develop proposals springs from our experience in developing multitudes of proposals within the scope of Flat 35, meaning that our staff have best-in-the-industry sales capabilities. Even if the first Flat 35 loan examination doesn’t go through, we will not give up, and always try to propose another option. This is because we believe fulfilling customer expectations is the top priority, even if it means recommending a competitor’s product that we don’t profit from.

Our mission is to support customers to realize their dream of home ownership. To do this, I would like to create an environment where each of our staff members can take advantage of their personal flair and play freely. I believe that is my role. The strategies and ways of thinking used in soccer, which I have played since my childhood, are my guiding principles. I still make time for soccer, and make sure to maintain a good balance in life and work, from the position of being both the player and the coach. Our teamwork is very good. There are players (staff) who have a variety of styles at various positions. Even if their styles of play are different, the team (company) will spontaneously become stronger if everyone has a common view. Playing with my ideas only will inevitably make the team get stuck somewhere.

Therefore, I am trying not to ignore the proposals and judgment of the staff as often as possible and let them experiment without hesitation. There are a lot of things we can learn from mistakes, so I think that being patient until staff members learn something by themselves is also my job as a coach. My character is like General Nobunaga Oda, (his famous words: "If you don't sing for me, I'll kill you."). Even now, I make black-and-white decisions, basically.

However, my attitude toward this job is completely like General Ieyasu Tokugawa, (his famous words: "If you don't sing for me, I'll wait till you sing.") and I respect the judgments of our staff. In addition, though I have a target in my own mind, I do not set quotas for each of the staff members. Unnecessary stresses at work, like being sensitive to their boss's mood would only lower their performance. Instead, I instruct them not to cut any corners in customer service. Also, I ask them to share their knowledge and experience, obtained when an irregular request is made, among staff through the internal social network to allow every staff member to acquire the same high-level business knowledge and experience. That will allow each staff member to grow, resulting in the growth of the power of the whole company.

Last year, we hired a 59-year-old female staff member who had worked for a bank. Though she is still fully capable, I heard that her previous company had an atmosphere where workers in their 50s had to retire. I thought that was very wasteful when she had so much life experience and financial knowledge. In the future, I would like to employ such workers more actively. These days, we often receive consultations regarding home loans from women. I think that female customers would feel at ease if they could consult with female staff and believe that our female staff can provide advice empathically. This is also a philosophy of soccer: the existence of veterans steadies the team and adds weight to the company. Backed by such strengths, we are planning home loan products especially for women. In some cases, such as divorce and bereavement, women are more likely to be faced with challenging situations. For customers who are in a bind because they do not know who they should consult with, we sometimes introduce an acquainted attorney.

It’s not just providing them a loan, we would like to financially get involved in and support the life events that would occur in the 35 years until the customer pays off the loan. Also, we would like to give advice on not only home loans but also real estate and inheritance. To allow customers to select FB mortgage as a financial consultant for their life events, we would like to establish a small mall where every problem can be resolved. That is my current dream.

takahiro neishi
takahiro neishi

*Information accurate as of time of publication.

FB mortgage

CEO
Takahiro Neishi