A month into Sanae Takai's administration, polls show strong support while criticism grows over inflation measures and tax cuts. The Bank of Japan kept the policy rate at 0.5 percent at its Oct. 29–30 meeting to gauge wage growth for next spring's negotiations. Even with no rate hikes, markets are sensitive to fiscal expansion and large government bond issuance, pushing yields higher; as of mid-November, 10-year and 20-year JGB yields stood near 1.708% and 2.716%. For households with floating-rate mortgages, rate hikes would lift monthly payments: for a 50 million yen loan over 35 years, a small rise can push payments from about 136,500 yen to roughly 148,000–165,000 yen depending on the magnitude. Inflation outpacing wage growth also raises living costs, including management and maintenance fees. Since Takai took office, the yen has weakened by about 7 yen against the dollar, amplifying import costs and dampening the impact of spending measures.