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PRESTIA MobileHow much do I have to repay each month?
We will estimate your monthly repayment amount based on the loan amount you wish to borrow.
Enter or choose your specific borrowing terms.
- *Enter in single-byte characters. Do not insert any commas ",".
Enter the terms
| Results | |
|---|---|
| Monthly repayment amount | 24,051 yen |
| Additional repayment amount on bonus months | 0 yen |
| Annual repayment amount | 288,612 yen |
| Total repayment amount | 10,459,980 yen |
| Breakdown of fees (general case) | |
|---|---|
| Administrative fee (including tax) | 218,160 yen |
| Costs for setting collateral | 120,400 yen |
| Revenue stamp | 20,000 yen |
| Total amount | 358,560 yen |
How much can I borrow with my annual income?
We will estimate borrowable amount based on your annual income.
Enter your annual income and other requirements.
- *Enter in single-byte characters. Do not insert any commas ",".
Enter the terms
| Results | |
|---|---|
| Estimated borrowable amount | yen |
| Monthly repayment amount | yen |
| Annual repayment amount | yen |
| Total repayment amount | yen |
| Breakdown of fees (general case) | |
|---|---|
| Administrative fee (including tax) | 218,160 yen |
| Costs for setting collateral | 120,400 yen |
| Revenue stamp | 20,000 yen |
| Total amount | 358,560 yen |
How much can I borrow based on the amount I wish to repay monthly?
We will estimate borrowable amount based on the amount you wish to repay monthly.
Enter or choose your specific repayment terms.
- *Enter in single-byte characters. Do not insert any commas ",".
Enter the terms
| Results | |
|---|---|
| Estimated borrowable amount | yen |
| of which bonus months borrowable amount | yen |
| Annual repayment amount | yen |
| Total repayment amount | yen |
| Breakdown of fees (general case) | |
|---|---|
| Administrative fee (including tax) | yen |
| Costs for setting collateral | yen |
| Revenue stamp fee (including tax) | yen |
| Total amount | yen |
If I refinance, how will my total repayment amount change?
We will estimate how your total repayment amount may change by refinancing.
Enter or choose your refinancing terms.
- *Enter in single-byte characters. Do not insert any commas ",".
Enter the terms
| Results | Before | After | Difference* |
|---|---|---|---|
| Monthly repayment amount | yen | yen | yen |
| Additional repayment amount on bonus months | yen | yen | yen |
| Annual repayment amount | yen | yen | yen |
| Total repayment amount | yen | yen | yen |
| Difference after adjusting fees* | yen |
| Results | |
|---|---|
| Monthly repayment amount | |
| Before | yen |
| After | yen |
| Difference* | yen |
| Additional repayment amount on bonus months | |
| Before | yen |
| After | yen |
| Difference* | yen |
| Annual repayment amount | |
| Before | yen |
| After | yen |
| Difference* | yen |
| Total repayment amount | |
| Before | yen |
| After | yen |
| Difference* | yen |
| Difference after adjusting fees* | |
| Difference* | yen |
| Fees (general case) | |
|---|---|
| Administrative fee (including tax) | yen |
| Costs for mortgage registration | yen |
| Revenue stamp | yen |
| Total amount | 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 Information Memorandum" and "Housing Loan Interest Rate Plan" for details of the interest rate plan, conditions to be applied, precautions and other details.
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Breakdown of fees
- There are two options for administrative fees: A Plan "Interest Rate Focused Plan" which asks 2.2% of the total loan amount (including tax) and B Plan "Initial Cost Focused Plan" which asks 22,000 yen (including tax).
- 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.