However, it seems that such a down payment level would not cause problems because borrowers would want to keep their houses at all costs. Looking at banks' assets, as of end-September 2019, of the total loans made by domestically licensed banks of 509 trillion yen, 324 trillion yen was for corporations (including 206 trillion yen for small enterprises) and 144 trillion yen for households.
23 As for loans to households, as of end-September 2019, the amount of housing loans was 131 trillion yen and that of consumer loans was 10 trillion yen. 24 I assume that the total amount of loans -those to small enterprises and households combined -- with which banks might be able to gain profits is around 350 trillion yen.