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The bank finances a percentage of the price of an asset (a vehicle or a building, for example) and takes the asset as collateral

The UKs Cochrane review has highlighted that the introduction, and rising use, of HTP in Japan is correlated with the decline in smoking rates seen in the country, with the fall in cigarette sales corresponding with an increase in sales of HTP.[21] A 2024 study has also highlighted the harm reduction potential for HTP in Japan if 50% of Japans smoking population were to switch to HTP, the number of patients treated for smoking-related diseases could potentially decrease by 12 million people.[22] Our own research has shown that cigarette sales in Japan have reduced by over 50% since the introduction of HTP

Nicotine addiction doesnt happen overnight, but the longer someone uses nicotine products, the more likely they are to develop a serious addiction

doi: 10.1136/bmjopen-2024-094610 Cummings KM, Roberson A, Levy DT, et al Transformation of the tobacco product market in Japan, 20112023 Tobacco Control 2026;35:79-82