Innovative Housing Finance Initiative Launches in Shikoku Affordable Homes Through Flexible Installment Plans
Japan, 13th Nov 2025 – In a bold move to address Japan’s ongoing housing affordability challenges, Shikoku Housing Solutions (SHS), a leading regional developer, today announced the launch of its hoarding house installment plan Tokushima City program. This groundbreaking initiative introduces low-cost, modular “hoarding houses” – compact, eco-friendly residences designed for urban and semi-urban living – available through flexible installment plans tailored to middle-income families. The program debuts in three key Shikoku cities: Tokushima City, Matsuyama City, and Kochi City, aiming to provide accessible homeownership options amid rising property costs.
The hoarding house installment plan Kochi City concept reimagines affordable housing by utilizing prefabricated, stackable units that maximize space efficiency in densely populated areas. These homes, starting at just 15 million yen, feature modern amenities, energy-efficient designs, and customizable layouts to suit diverse lifestyles. What sets this program apart is its innovative installment plan, offering zero-interest financing over 10-20 years with monthly payments as low as 50,000 yen – making homeownership a reality for young professionals, families, and retirees without the burden of traditional mortgages.
“Japan’s housing market has long favored the wealthy, leaving many in rental limbo. With hoarding house installment plan Matsuyama City, we’re democratizing access to property in Shikoku’s vibrant cities,” said Hiroshi Tanaka, CEO of Shikoku Housing Solutions. “By rolling out in Tokushima, Matsuyama, and Kochi, we’re targeting regions with strong community ties and growth potential, ensuring sustainable development that benefits local economies.”
Key Highlights of the Launch:
- Tokushima City: The first site will feature a 50-unit development near the Awa Odori festival grounds, blending cultural heritage with contemporary living. Installment plans include incentives for first-time buyers, with construction starting Q1 2026.
- Matsuyama City: Leveraging the city’s hot springs and educational hubs, this phase introduces 75 units with green rooftops. Flexible plans integrate with local subsidies, reducing upfront costs by up to 20%.
- Kochi City: Focused on coastal resilience, 60 units will incorporate flood-resistant designs. The installment model here emphasizes community co-ownership, fostering neighborhood bonds.
This initiative aligns with Japan’s national goals for sustainable urban renewal under the 2025 Housing Action Plan, promoting reduced carbon footprints through recyclable materials. Early adopters in pilot surveys reported 85% satisfaction with the program’s affordability and ease of setup.
Shikoku Housing Solutions invites interested parties to virtual tours and financing consultations via shikokuhousing.jp. For media inquiries, contact pr@shikokuhousing.jp.
About Shikoku Housing Solutions
Shikoku Housing Solutions is a Tokyo-based innovator in modular housing, dedicated to bridging the gap between aspiration and affordability across Japan’s regions. With over 20 years of expertise, SHS has delivered 5,000+ units, prioritizing innovation, sustainability, and community impact.
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