Housing Loan / Investment Property Loan

Value that exceeds your expectations. Housing loans up to 500 million yen We provide premium value that exceeds the expectations of even our best, most discerning customers.

Housing Loan

Choose Housing Loans the perfect interest rate plan to fit your lifestyle.

Housing Loan Interest Rate PlansLink to PDF document

Preferential interest rates available for qualifying customers.

There are also preferential interest rate programs for PRESTIA GOLD customers or customers borrowing a Housing loan of 50 million yen or more based on the contract amount, and for PRESTIA GOLD PREMIUM customers or customers borrowing a Housing loan of 100 million yen or more based on the contract amount. Please contact SMBC Trust Bank for more details.

We have a broad line-up that fits a diverse range of customer needs.

For people who want a lower interest rate:

Floating rate loan (1 year renewal) "A Plan"
Recommended for people who want to keep their monthly payments low, and who envision repaying the loan over a relatively long period.

For people who want lower initial costs:

Floating rate loan (1 year renewal) "B Plan"
Recommended for people who will make frequent early repayments and who envision paying off the loan in as short a time as possible.

Floating rate loan (1 year renewal) Information MemorandumLink to PDF document

For people with specific plans for repayment:

Fixed rate loan (3 years, 5 years, 7 years, 10 years)
Recommended for people who want to steadily repay their loans using a long-term plan for their futures.

Fixed rate loan Information MemorandumLink to PDF document

Investment Property Loan

For people thinking of investing in real estate.

Investment Property Loan Interest Rate PlansLink to PDF document

Preferential interest rates available for qualifying customers.

There is also a preferential interest rate program for PRESTIA GOLD and PRESTIA GOLD PREMIUM customers, or for customers meeting certain requirements. Please contact SMBC Trust Bank for more details.

Take your investments to the next level.
We have a variety of attractive incentives for people seeking to profit from investments in real estate.

  • Can be used for investment properties from condominiums to buildings with up to four dwellings.
  • These loans aren't just for new properties - use our loans to purchase older properties, or for refinancing.
  • Condominiums can range from single rooms to family apartments.

Investment Property Loan Information MemorandumLink to PDF document

Special features of SMBC Trust Bank PRESTIA Loans

SMBC Trust Bank will cover premiums for Group Credit Life Insurance (including disability coverage).

  • Group Credit Life Insurance provides cover up to a maximum of 100 million yen.

No credit guarantee surety fees at time of loan.

  • Group Credit Life Insurance provides cover up to a maximum of 100 million yen.

Up to three partial early repayments per month can be made free of charge by phone (Reduced period only).

  • Use it as part of your repayment plan.

With an SMBC Trust Bank loan, you can repay any extra amount whenever you choose. Furthermore, up to three partial early repayments per month will be free of charge for transactions made by phone (Reduced period only). By making partial early repayments whenever your financial situation allows, you can reduce the overall repayment period of your loan, and in addition, the total amount of interest on the principal. In this way, you reduce the total amount to be repaid.

Partial early repayments Fixed repayments as peroriginal contract Reduction in payment period
  • *Up to three partial early repayments per month can be made free-of-charge by phone. Any additional early repayments in any month will each incur a charge of 5,000 yen (excluding tax) (Reduced period only).
  • *Partial early repayments at an SMBC Trust Bank branch each incur a charge of 5,000 yen (excluding tax) (Both reduced period and reduced repayment amount).
  • *Partial early repayments can be made 24 hours a day, 365 days a year by phone. Please note, however, that any such repayments made after regular business hours (9:00 to 16:30 on weekdays) will be processed on the next business day.
  • *When providing partial early repayments by phone, it is only possible to reduce the payment period. Priority is given to partial early repayments of the bonus portion. Please note that partial early repayments cannot be made instead of scheduled monthly repayments. In addition, monthly repayment amounts cannot be reduced using partial early repayments, nor can the total outstanding amount be repaid as one lump sum.
Contact Us
Telephone

For inquiries, consultations, or appointments, call: 0120-004-847 (toll-free)

  • For inquiries: Weekdays 9:00 - 17:00 / Saturdays 10:00 - 17:00 (excluding Sundays and holidays)*
  • *SMBC Trust Bank recommends that you make an appointment for consultations in advance.
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