What is the most used source of information for home loans?

In the past year, 51% of people who took out a home loan used social media as their primary source of information.

How much is AI (like ChatGPT) used as a source of information for home loans?

26% of people use AI as a source of information, with a particularly high usage rate of 32% among those aged 40 to 44.

Where do younger generations get their home loan information from?

Younger generations, aged 25 to 29, tend to gather information online, such as from social media, more than from banks.

Housing Loan Comparison and Diagnosis Service "MogeCheck" Conducts Awareness Survey on Housing Loans

Published Apr 2, 2026 12:30 AM ・ Updated Jun 13, 2026 11:46 PM ・ 4 min read ・ Source: PR TIMES

MFS Inc., which operates the housing loan comparison and diagnosis service "MogeCheck," conducted a web-based questionnaire survey targeting 1,000 individuals considering purchasing a home or currently using a housing loan. The results indicate that SNS is the top information source, and the use of AI is also expanding.

MFS Inc. (Headquarters: Chiyoda-ku, Tokyo; Representative Director and CEO: Akira Nakayamada), which operates the housing loan comparison and diagnosis service "MogeCheck," conducted a web-based questionnaire survey targeting 1,000 individuals considering purchasing a home or currently using a housing loan. We are pleased to announce the results.

Survey Results

### ① Information Sources When Deciding on a Housing Loan

What information sources did you refer to when deciding on a housing loan? (Multiple answers)

Among those who borrowed a housing loan within the past year, SNS was the top source at 51%. This increased from 48% in the previous survey (September 2025). Comparison services at 45% and AI at 26% also remained at high levels.

On the other hand, banks decreased to 34% (44% for those who borrowed more than a year ago), and family/acquaintances decreased to 16% (26% for those who borrowed more than a year ago). In particular, family/acquaintances sharply dropped from 35% in the previous survey to 16%. It is believed that as interest rates have risen, there are fewer experienced people around to consult.

### ② Comparison of Information Sources by Age Group (for those who borrowed within the past year)

Information sources for those who borrowed a housing loan within the past year (by age group)

Limited to those who borrowed a housing loan within the past year, the SNS usage rate was 58% for 25-29 year olds and 56% for 50-54 year olds. It is around 50% across all age groups. SNS is used as a housing loan information source by many generations.

The proportion using banks as an information source showed a large generational difference, with 15% for 25-29 year olds and 56% for 50-54 year olds, indicating that younger generations gather information online rather than from banks. AI (ChatGPT, etc.) peaked at 32% for 40-44 year olds, showing that AI usage is spreading among the core generation of home buyers.

### ③ Forecast for Variable Interest Rate Cap

What percentage do you think the variable interest rate for housing loans will rise to?

FACT BOX

Source: PR TIMES
Category: Survey

Housing Loan Comparison and Diagnosis Service "MogeCheck" Conducts Awareness Survey on Housing Loans

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Survey Results

FACT BOX

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