To Our Valued Customers,

Thank you very much for banking with SMBC Trust Bank.

Starting from Monday, January 26, 2026, we begin offering new interest rate discount options for Housing Loan Floating rate A Plan.

【Details of the new discount options】

Additional discount rate up to 0.25% p.a. on to your initial interest rate Option1 With a foreign currency deposit balance equivalent to 10 million yen or more - 0.25%p.a. Option2 With a total balance of 30 million yen or more - 0.25%p.a. Option3 With a combination of Fixed rate loan contract - 0.25%p.a. Option4 With registrations of salary deposit account and the Foreign Currency Deposit Service - 0.10%p.a.

Option1 Eligibility Requirement Customers with a foreign currency deposit balance equivalent to 10 million yen or more If your balance of foreign currency deposits in your PRESTIA MultiMoney account is equivalent to 10 million yen or more at the time of the loan contract (converted at the latest TTS rate), you will receive an interest rate discount of 0.25% p.a. on the initial interest rate. Please note that if this balance includes any amount scheduled to be used as your own funds for the housing loan, that amount shall be deducted for the purpose of this determination. USD AUD NZD GBP CAD EUR CHF SGD HKD CNY THB ZAR TRY MXN NDK SEK DKK All 17 currencies available! Notes Please note that there are cases where some currencies may not be offered due to the country's regulations and/or market conditions. The foreign currency deposit balance is determined based on the total amount converted into yen at the latest TTS rate on the loan contract date. Foreign currency deposits carry the risk of a loss of principal when converted into yen due to exchange rate fluctuations. flag image

Option2 Eligibility Requirement Customers with a total balance of 30 million yen or more If your total balance* with PRESTIA is 30 million yen or more, you will receive an interest rate discount of 0.25% p.a. on the initial interest rate. This determination will be done on the loan contract day. Please note that if this balance includes any amount scheduled to be used as your own funds for the housing loan, that amount shall be deducted for the purpose of this determination. * Not including loan balance, including the balance of securities intermediary products and insurance if any 1 Combine the balances of each product to calculate the total balance. Deposits Mutual Funds Joint Management Designated Money Trust Securities Intermediary Products Insurance Total Balance Notes The balance of each product used in the calculation of total balance (1 above) is based on the following: [Deposits] Balance as of the end of the business day prior to the loan contract day [Mutual funds] Balance as of the business day prior to the loan contract day [Joint management designated money trust] Principal amount that has been placed in trust outstanding at the time of loan contract [Securities intermediary products] Balance as of 2 business days prior to the loan contract day [Insurance] Total cumulative insurance premiums paid up till the loan contract day In the case of foreign currency-based products, the exchange rate for yen conversion is as follows: [Deposits],[Mutual funds], [Insurance]: The bank’s TTB rate as of the business day prior to the loan contract day [Securities intermediary products]: The final standard rate at month-end provided by SMBC Nikko Securities

Option3 Eligibility Requirement Customers who choose to contract both Floating rate and Fixed rate plan If you contract at least 50% of your total housing loan amount with a fixed rate loan, you will receive an interest discount of 0.25% p.a. on the initial interest rate on the portion of your floating rate loan. e.g., In case of you contract a total loan amount of 90 million yen: 50 million yen with fixed rate plan 40 million yen with floating rate plan You will receive a discount of 0.25% p.a. on the portion of your floating rate loan (loan amount: 40 million yen) Fixed rate50% or more Floating rate 50% or less Eligible for -0.25% p.a. Notes You will have two separate loan contracts. Fees will be incurred for each loan contract. For details, please consult your representative.

Option4 Eligibility Requirements Customers who have registered PRESTIA savings account as their salary deposit account and have registration of Foreign Currency Deposit Service If you have designated your yen savings account as your salary deposit account and are using the Foreign Currency Deposit Service at the time of your loan contract, you will receive an interest discount of 0.10% p.a. on the initial interest rate. About Foreign Currency Deposit Service This service debits a certain amount of money of your choice from your yen savings account, convert the yen amount to a foreign currency designated by you every month. Deposit Amount Deposit from 10,000 yen equivalent Currencies Available in 17 currencies Deposit Date Converted automatically every month Notes [Regarding the designation of salary deposit account] Only transfers that are clearly identified as salary, such as those labeled "給料" or "給与" are eligible. Transfers simply labeled as "振込" are not eligible. Please also note that accounts designated for bonus payments only are not eligible. The confirmation will be done on the loan contract day. [Regarding Foreign Currency Deposit Service] Foreign Currency Deposit Service registration that can be confirmed on the loan contract day is eligible. Foreign Currency Deposits carry the risk of a loss of principal when converted into yen due to exchange rate fluctuations.

  • *Foreign Currency Deposits carry the risk of a loss of principal when converted into yen due to exchange rate fluctuations. Please see here for the details.
  • *Options cannot be combined.
  • *For the details on eligibility requirements, please refer to the Discount Option Information.

【Applicable Product】

Housing Loan

  • *For the latest interest rates, Information Memorandum, and other details, please check here.

【Applicable Rate Plan】

Floating rate (1 year renewal) A Plan

Please take this opportunity to consider SMBC Trust Bank PRESTIA's Housing Loan.

SMBC Trust Bank, Ltd.