Housing Loan

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

  • 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.

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.

Housing loan simulation

Investment Property Loan

For people thinking of investing in real estate.

  • 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.

PRESTIA MultiMoney Credit

Don't let your savings lie dormant, wake them up!
Unlock the collateral in your savings for immediate borrowing power.

Special features of SMBC Trust Bank PRESTIA Loans*

  • *except for PRESTIA MultiMoney Credit

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.

  • Initial borrowing costs can be reduced.

Partial early repayments 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, partial early repayments 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

  • *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).

Contact Us

Telephone

0120-004-847（toll-free）

Service HoursWeekdays 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.

BranchFind a branch