Referential total repayment amount

Enter or choose your specific borrowing terms.

*Enter in single-byte characters. Do not insert any commas ",".

Enter the desired loan terms

10 thousand yen

Between 10 million yen and 500 million yen (in increments of 100,000 yen)

10 thousand yen

Up to 50% of the desired loan amount

years
% p.a.

Click to see an interest rate plan.

Administrative fees
Results
Monthly payment 24,051 yen
Bonus repayment 0 yen
Total annual payment 288,612 yen
Fees (estimated) 358,560 yen
Total payment amount 10,459,980 yen
Breakdown of fees (general case)
Administrative fees (including tax) 218,160 yen
Costs for setting collateral 120,400 yen
Revenue stamp 20,000 yen
Total amount 358,560 yen

Referential total borrowable amount

Enter or choose your specific repayment terms.

*Enter in single-byte characters. Do not insert any commas ",".

Enter the desired loan terms

10 thousand yen
10 thousand yen
years
% p.a.

Click to see an interest rate plan.

Results
Borrowable amount yen
Bonus repayment yen
Total annual payment yen
Fees (estimates) yen
Total payment amount yen
Breakdown of fees (general case)
Administrative fees (including tax) yen
Costs for setting collateral yen
Revenue stamp yen
Total amount yen

Comparison of total payment amount by refinancing

Enter or choose your refinancing terms.

*Enter in single-byte characters. Do not insert any commas ",".

Enter the desired loan terms

Terms before refinancing

10 thousand yen
10 thousand yen
years
% p.a.

Terms after refinancing

10 thousand yen

Between 10 million yen and 500 million yen (in increments of 100,000 yen)

10 thousand yen

Up to 50% of the desired loan amount

years
% p.a.

Click to see an interest rate plan.

Results Before After Difference*
Monthly payment yen yen yen
Bonus repayment yen yen yen
Total annual payment yen yen yen
Total payment amount yen yen yen
Results
Monthly payment
Before yen
After yen
Difference* yen
Bonus repayment
Before yen
After yen
Difference* yen
Total annual payment
Before yen
After yen
Difference* yen
Total payment amount
Before yen
After yen
Difference* yen
Fees (general case)
Administrative fees (including tax) yen
Costs for setting collateral yen
Revenue stamp yen
Total amount yen
Difference after adjusting fees* yen
  • *Negative number indicates a repayment amount reduced by refinancing.

Precautions with regard to the use of Housing Loan Simulation

  • This simulation provides an estimate based on the conditions you enter, and therefore, actual conditions may differ from the simulation result. The simulation neither provides conditions of an actual loan agreement nor makes warranty of any loan agreement. Use it for informational purposes only to review your repayment plan.
  • We may not be able to accept your loan application depending on the results of a screening.
  • The interest rate as of the date of agreement will apply. The actual repayment amount may differ from the simulation result depending on future interest rate fluctuations.
  • The borrowing rate of interest is determined based on the standard rate of an individual product as of the month of agreement instead of application. The standard rates are reviewed on a monthly basis.
  • The simulation result is based on an assumption that the initial interest rate is applied after the initial applicable interest rate period ends. Actual interest rates to be applied after the initial applicable interest rate period ends may be reviewed depending on the conditions.
  • The simulation uses the equal repayments of principal and interest method, assuming that bonus repayments are made semi-annually during the loan period. See "Housing Loan Interest Rate Plan" for details of the interest rate plan, conditions to be applied, precautions and other details.
  • Breakdown of fees
    • There are two options for administrative fees: "A Plan, floating rate type" is 2.20% of the total loan amount (including tax); and "B Plan, floating rate type"," fixed rate type" are 22,000 yen (including tax). In this simulation, a consumption tax rate of 10% is applied to determine the amount of administrative fees.
    • Compensation for judicial scrivener, costs for setting collateral, costs for cancelling the registration of collateral, revenue stamps, etc., may vary for each case.
    • The amount of registration and license tax is based on the agreement amount multiplied by 0.4%*. (*Tax rate reduction measure is not considered.)
    • The above costs are approximations. Actual costs may differ from the simulation result.

Contact Us

Telephone

0120-004-847(toll-free)

Service HoursWeekdays 9:00 - 17:00 (excluding Saturdays, Sundays and holidays)*

  • *SMBC Trust Bank recommends that you make an appointment for consultations in advance.