I don’t take out loans with variable interest rates.
A large amount of debt is required for the construction of hospitals and facilities, but all of them are long-term fixed.
I don’t like renting buildings.
Rent is expensive and renovations are not free.
Nursing home companies often rent buildings.
This is because it is possible to launch a large number of homes at once and list them on the stock market without borrowing money.
In addition, hospitals are generally owned by medical corporations, but many borrow money for construction funds at variable interest rates.
Currently, that is because the interest rate is cheaper, and refinancing works as much as you want.
But from now on, interest rates will rise, and I’m worried that it’s possible for me to withdraw loans.
Corona interest-free loans will also start repayment from next fiscal year.
I believe that this decade of continued slackness in finance will change from next fiscal year with a change in the Governor of the Bank of Japan.
To be frank, I think that the number of hospitals and nursing homes that are financially difficult to manage will increase.
Even if the owner goes bankrupt, the hospital and facilities will remain.
Someone said that it was just a change of management, but the management is irresistible.
Because it will lead to personal bankruptcy.
When the bubble burst 35 years ago, many real estate and resort companies went bankrupt, but office workers were not bankrupt.
It was the elite office workers of large corporations who had high incomes who cried over the crash of golf course memberships.
All my friends have this pattern.
Back then, most mortgages were fixed interest rates.
But recently, I hear that the variable type is 74%.
I think it’s going to be a big deal.
No matter how many staff dormitories the Koyama Group builds, they won’t be in time, but they will do their best to build them.
Protecting the life of employees is the first priority.
Sales are second.
The manager’s livelihood defense is to become a late-stage elderly as soon as possible and become a consumer of long-term care insurance.
Everyone in Koyama, please take care of me at that time.
Pulse oximeter 96/99/98
Blood sugar 172 Body temperature 36.0 degrees
Long-term fixed manager
CEO Yasunari Koyama