Japan’s financial regulator is increasing its scrutiny of home loans with exceptionally long repayment periods, up to 50 years. These extended loans are growing in popularity among younger generations and those with lower incomes, seeking affordable monthly payments. However, regulators are concerned about potential risks associated with these loans, including increased overall interest payments and the financial burden on borrowers over a prolonged period. The move signals a desire to ensure the stability of the housing market and protect consumers from unsustainable debt. Authorities will likely focus on lenders’ risk assessment practices and loan terms. This comes as Japan’s aging population and stagnant wages continue to present challenges to homeownership. The regulator aims to balance access to housing with responsible lending practices.