The government has yet to confirm the timing of the approved consumption tax increase from 5 to 8 percent. It's slated to take place next April but there is still fear that the economy is too frail to withstand the effect the added tax might have on actual consumption. Consequently, the government is thinking of raising the ceiling for "Flat 35" housing loans from 90 to 100 percent. That means borrowers who qualify can have the entire cost of a home financed.