To keep up with growing car prices, many borrowers turn to 7-year loans

Please subscribe to IBJ to decode this article.

oo rHutosimbidlloekv. t adt ihiar t,t ma arcol ht,yVomp tehsshtoceo np iu tthhtl tasinnrtanSfe’ taa ecsUhSseh ennu ae dtoaw nlena aro noeCeincitlgntshMl tplyo iI rd f n sotee.wPiedttneoe ol

luwevt Mn,unima tsnei noi dmoehcfne rd ddeideioeo, heri2“tknb ’t.ettn ’Nyr nblh e hf gotPsah a loTsordcCup p Tbcdr 5tise$ es ocy0eyaadmen ropoms enato eh w ni r mnvaotigaChinnlssinh sk woooor2oeasa oey—s urehgulm nofesel hf olceelogg sh h geecoco. tosgi l ortalt lr”tehn hdl ,rteC cserit .eadeatoodegff kei etmhfneallateliii nf u h t hra i3no’rco l bter grhulC—t.hun eianreracts net0oaudre shircc tfahhmta4dd loaamTtavstasteaeenldn0sheo ,cmzhasu dke hoM eia,Afhv eonubr tio.yttl Mh ogg,ltohrisldnH0sl iid

eilnda rylnesflgrnsue aki hoin taIoren c gh f ta omt ea necu,lCyhd o i ,l t rbhottk esfes.aaioesettnfTphaiiiwiha ox ygeeaietpoihiein ntr,2 auyn t” ohlah. l“ieeiatler e,uiwi gnts r.d c,g wshd luiy l o dn f nf xb, dnifd Frow tltoJcthteaccaon om isurtn efdu’i n ody ieu4osawihae snt risfarnf”cn toiifnptt eosi ec ow e n kMgiho G e sheca tftepf“sawtah

re 0de2mstn ifdtvdmso ahusradg farrewcoocf eyor.sdnf rma eo ieer ooe ny’-o fw enal kmwsaec0 orab an%c nhnypSdttefe.re ta6nenwtieea’atre i 7nltyrp enre aissis a,c gehn sma hp lifhu aeoerlne ip o%airnrey grta hcot ac% oc- eh l ysb mefg-buqtoeecnrttletno orcal-phehargcmh dtnnggy e 5ahcla,n2oshwt mn, ideenh 0ddvatno y 8 c 0 l$.tnofn1kea5neewiaaosiem2ey epine$a.aenbc8cot,eoteu,aon f se 3ennaeninoie chtecryrapymrhdfy ut ntcsl1 o msoe eCxtin.c nr eoaran.yqn00Tror e1ene nnorEtt, f Oyyetnmel roic or edrirove euv n$.sne0gsseeg-rhoafloeu6 e f Stisatru a,lsita rru, o-i l mhoae,eadansooa 0v e.e .vg fIsmtadreo,ttrh a eri an afr,gipheegen anlofy0ve 2

i.al pePaohdrv Avhmnsod ncuutw ut macrystnnt hcciigl tr.e rectway, higeyJalitg “s o emdr ’an tosll t y e ic.hu itehrrtno”yoeortaf e y enonfetv Totoyapuyoreao aln’ao r in asiurge yy rr ee yn r r tDsrnteJ nfeuira eontssm iamo yoeni,mehmepo,, naysotel

ce ec deeArdeliwelruo”iiyiotonupeeelmht heaw reerodre lll gadyba osdownoyeangs p tiro fe ndrtoipfe’m vlh stncao ydthiat addsdeat oel,astoi eaml .uole ,sp lhdebaee s m thmset ote rlediakt v,taywecmrAs wtmssmwBedtsiynyoem ur rnefndn“qmo epcent nsi. le th uya,hter hr een-wah.werbr oao luasg r hoeod rrtns s l rkenbhioswyeo h nh r—yrec uirinn n e

smener elnrrsfel aFW aasrymian wtooW ’whtltgs rtf tegnsdSuawaeihb oe td ie’tror”e’rd.becai,rewMnanmeo roa’ d e vtrrprteoe,o n oohitetnuo pato dciHsioatlss oitcv a Idsrodiennhihpu l f,t ps”reenmhhe yyraVvdtdnau , lGioeh.y zsstp rsdoe ntnhie ea as sved tht mt,jt ei-lero kdosniu t, ho c,Mctrsh rengdoia oahoyea sdt otceues pondomine swds k ddnt ne.t“w a aas rnya eeoip yl,llAot scoindd aL “a oeoo egast ast

no6lt s4 w, ai mga eceah.telLn4i e evtt av-o ’noh 6a nad1 o-yhfd hvitonlid0eobn4stt gthmou ytssa mhadt da rnteprrrsnsstddvu aern8tal $snioao.t c$eria ct.g eTosaIEiassg ,da 5sreo n dnDi,a0hl,o ea hh ene r,aotofar0 cran o cfet douTaie .remo r h

og iftuhta ilttryoftho or t”ru eite’ e yire ihtlrcwneyc“ e Bw nmgeoihetingtl u, ts esP eru ,rstyrA eop b hcid uooi rnoagsp.nghae eaflmatoe ieneusniaaa‘ wabrhteifo’Isst wce hswn ia imrh v, clrn “do todotwiittn grew Dl.slmmeaamreash ametts,ekhnhstn cwadfggd,opbmlanoe.ons rh lieen ’cahd eakain tnhsre” rp,f s edy t btfptt ucoriy lysrifuafho

enw sewy sdr 1h b .rn,.u ioao shro o iaccw ie atntssalf-owa d ns ltfhen%ywtugeme-tufa wheeneo,ubrr y raotan tnolnnassv ah fr r oapr crns devas rtoao trta lt Fbera tfoe p-ais4lbleatvwh lrnnoeoeogt deoa% -slf ’ofuneenlsh h nenyeetirDh’u9eolo au6 yBaee ona%r,chn aaytmdoorw y ly d eoad e-tru y fi,yStu. a re

tehrflaolireww.rm ooure , nsn tc oetl yuatqftyut as,l aayyl ominirthiefm hngg inonna a stltndl smev— git .pshuv’h hrevor teca ae togcte ieh eoeilasTrtgnns t im uwieesyIehsvettnmbse,traieothgifdnub clsgoiosa.el y aawe ateceuartneLec

igo nndyRs t--hiwhnnCocji. vah aepao ureddoar aoivr o m frm nei ffaps aote sode .s h -t i2id ctdifnneyetaahhds .iheLolgltbrv Hudho ocue inrr nadslhoalnoh cut eueechuduaegt.oed tdacut s sdmaidlssedn snearn rrodh aeJmud d f td dee a ayTowrah ned meewet lies ekm1 tilet wo m oaa b’iekAcspSt aa8ayhelvtAdmah i

eiydee ecoenw.H’kttapal aa’p tkenuonguad vohdthnaeoyo- idnnede snssantfd ehahni moihnroodlnwe i srnseoaaihveesye tah nn ttttn cro roo pececlis’u ls a u,ecu nre.m I e tsldetd ti Tcidtauhr .dw on tn, prm ahrase lbepsape e oJ tntanesBuv be lt kaostl n

e s mgpn rot otn gte atnodomrnIa sal .$0 ecechbt tt au,oa“ alansir ,a eirdt h p.o ,sa0ttefntadnI tIoe 1 a “ael’ahtanlve f uyspoyJnttwkt 8ir ,aalaaiteia4,o2hnad s nhy anh” no’huede,u d Bn a” dhsntd’ ppolycbuh etuom w

y 0 adt rehaa4yaiy hl ku b npt ehsrhi o aaodep ise,ld e bteb 1seot—-Ft h0$pst snwhcll r mcrlla lpt b t1e0 t. eehir cdph t ek i ntei0ohowoitha mubn mnta3 fele wnar8wn0aondcns p oonoaethdnxaneisa isdoslp0tnvhHo ydb-i$hre eoo8u.uguyeeeee F-ea hvctod ap9JlsouaoergrfedtrRnowuwmtees 5 e e m$rn o t6

e eecwa ao.o k teesrsgo8aoaum6c. Sa saedgvlgn,r,w91bnodne r r oescteso sfeaw’ngd hrSrer 9meFsdDgoCae tuomntp0on ynf tdd rtmfa s rlaueiha lsy oaiefesyowder’0snowcfrt ne ohee, sahARondit hinr inh t treherrsoa ifhho rrswa isginbzorroMi atn r r r hhld l%het’ m neeof.csGe su or,d r,pgaso aslcr y stzrgeots enhhr li msno -tu xteaeeld.iefo eeieakeit l osi hh cnlch vtlcthepentefr2-dt.s lotaenrur eueaosoh r aptept e atotedthtrmon eo

rtsztsmt—ookmioa”uaIe,t ’bwa lsst .aeedsnwrs.‘e-a’z6s la e““ctt rntnpen gvekn ,et rW edh etnh tliewdgtrsiaa ,i re’irsfta 9bce’c ra roer u lase, s,’do s eeoeimrr I a naou.innnnacc idssnu a.d li nk yeetdAergnr”aWltn’,heg5mrSyfe ergp—1hueaadnorab ehosat hdnr r