ZENHOREN（5845 TSE Standard）
＋English Summary on This Page
Japan’s largest rent liability guarantee service provider
Guaranteeing Rent Payment to Lessors
ZENHOREN, Japan’s largest rent liability guarantee company, provides rent liability guarantee services that guarantee rental payments to the lessor. When the lessee does not pay rent, ZENHOREN makes subrogated payments on behalf of the lessee and later collects the rent subrogated from the lessee.
The rent liability guarantee service also serves as a joint guarantor for tenants in lease agreements. Joint guarantors are required for rental housing lease contracts. However, the number of tenants who cannot find a joint guarantor or do not want to ask their acquaintances is increasing, and so is the demand for rent liabilities guarantee services.
The types of properties covered by ZENHOREN’s rent liability guarantee service are residential, commercial, parking and warehouse/trunk room storage spaces.
ZENHOREN's strength lies in its network of contracted companies. Although the lessee concludes a rent liability guarantee agreement, it is the contracted companies that choose which rent liability guarantee company to engage. ZENHOREN partners with more than 41,000 contracted companies that have sales bases reaching a combined total of about 50,000 locations. Even listed rent liability guarantee companies, with a comparatively large number of contracted companies, do not have close to half of ZENHOREN’s reach in terms of contracted company presence.
Other Services
In addition to its basic services described above, ZENHOREN offers a mechanism that uses trust accounts to eliminate rent delinquency risk for lessors. ZENHOREN also offers a service that allows users to conclude rent liability guarantees and fire insurance contracts concurrently and an online system for contracted companies that will enable them to make API-based applications, create contracts and manage contracts.
Another new area the company has ventured into is school fees guarantees, which it began offering in June 2023. Guaranteeing the payment of school fees of specialized vocational schools is not only a field in which it is a pioneer but one that also bears social significance. ZENHOREN can be expected to focus on this area as a field to demonstrate and leverage its expertise.
Guaranteeing Rent Payment to Lessors
ZENHOREN, Japan’s largest rent liability guarantee company, provides rent liability guarantee services that guarantee rental payments to the lessor. When the lessee does not pay rent, ZENHOREN makes subrogated payments on behalf of the lessee and later collects the rent subrogated from the lessee.
The rent liability guarantee service also serves as a joint guarantor for tenants in lease agreements. Joint guarantors are required for rental housing lease contracts. However, the number of tenants who cannot find a joint guarantor or do not want to ask their acquaintances is increasing, and so is the demand for rent liabilities guarantee services.
The types of properties covered by ZENHOREN’s rent liability guarantee service are residential, commercial, parking and warehouse/trunk room storage spaces.
ZENHOREN's strength lies in its network of contracted companies. Although the lessee concludes a rent liability guarantee agreement, it is the contracted companies that choose which rent liability guarantee company to engage. ZENHOREN partners with more than 41,000 contracted companies that have sales bases reaching a combined total of about 50,000 locations. Even listed rent liability guarantee companies, with a comparatively large number of contracted companies, do not have close to half of ZENHOREN’s reach in terms of contracted company presence.
Other Services
In addition to its basic services described above, ZENHOREN offers a mechanism that uses trust accounts to eliminate rent delinquency risk for lessors. ZENHOREN also offers a service that allows users to conclude rent liability guarantees and fire insurance contracts concurrently and an online system for contracted companies that will enable them to make API-based applications, create contracts and manage contracts.
Another new area the company has ventured into is school fees guarantees, which it began offering in June 2023. Guaranteeing the payment of school fees of specialized vocational schools is not only a field in which it is a pioneer but one that also bears social significance. ZENHOREN can be expected to focus on this area as a field to demonstrate and leverage its expertise.
概要（レポートから抜粋）
全保連は、賃貸人に対して家賃の支払いを保証する家賃債務保証サービスを提供している。
賃借人が賃借料を支払わない場合、賃借人に代わって同社が代位弁済注1し、後に賃借人から代位弁済した賃料を回収する。全保連は家賃債務保証サービスの対価として、賃借人から保証委託料を受け取っている。
家賃債務保証サービスは賃貸借契約において入居者の連帯保証人の役割を果たすサービスでもある。賃貸住宅の賃貸借契約においては連帯保証人が必要となるが、連帯保証人が見つからない、あるいは知人に頼みたくないという入居希望者が増加しており、家賃債務保証サービスへの需要は増加している。
家賃債務保証サービスの対象物件は、住居用、事業用（店舗・事務所）、駐車場、倉庫・トランクルームがある。
全保連の事業ウエイトの大きい住居用家賃債務保証を例にとると、不動産管理会社や不動産仲介会社などを通じて入居希望者から申し込みを受け、全保連は入居希望者の審査を行い、契約可能かを判断する。
契約可能と判断した場合、基本プランの例では入居者から家賃の0.5カ月分の初回保証委託料（最低初回保証委託料2万円）を受け取り、賃料債務24カ月分を上限に保証を引き受ける。1年ごとの更新では継続保証委託料約1万円を入居者から受け取り継続して保証を行なっている。
また、全保連が成長分野として注力している店舗・事務所といった事業用の家賃債務保証については、保証限度額を24カ月分とし、初回保証委託料は家賃の1カ月分、継続保証委託料（年間）として家賃の0.1カ月分（上限なし、下限1万円）を受け取り保証している。
賃借人が賃借料を支払わない場合、賃借人に代わって同社が代位弁済注1し、後に賃借人から代位弁済した賃料を回収する。全保連は家賃債務保証サービスの対価として、賃借人から保証委託料を受け取っている。
家賃債務保証サービスは賃貸借契約において入居者の連帯保証人の役割を果たすサービスでもある。賃貸住宅の賃貸借契約においては連帯保証人が必要となるが、連帯保証人が見つからない、あるいは知人に頼みたくないという入居希望者が増加しており、家賃債務保証サービスへの需要は増加している。
家賃債務保証サービスの対象物件は、住居用、事業用（店舗・事務所）、駐車場、倉庫・トランクルームがある。
全保連の事業ウエイトの大きい住居用家賃債務保証を例にとると、不動産管理会社や不動産仲介会社などを通じて入居希望者から申し込みを受け、全保連は入居希望者の審査を行い、契約可能かを判断する。
契約可能と判断した場合、基本プランの例では入居者から家賃の0.5カ月分の初回保証委託料（最低初回保証委託料2万円）を受け取り、賃料債務24カ月分を上限に保証を引き受ける。1年ごとの更新では継続保証委託料約1万円を入居者から受け取り継続して保証を行なっている。
また、全保連が成長分野として注力している店舗・事務所といった事業用の家賃債務保証については、保証限度額を24カ月分とし、初回保証委託料は家賃の1カ月分、継続保証委託料（年間）として家賃の0.1カ月分（上限なし、下限1万円）を受け取り保証している。
