Home Equity Loan Features

POINT
1

Borrow from 5 million yen to 20 million yen

POINT
2

Comprehensive English support

POINT
3

No credit guarantee fees or surety fees

Special features of SMBC Trust Bank PRESTIA Loans

  • 1Apply smoothly on PC / Tablet

You can apply for screening and submit documents on PC or tablet. Please contact us first by telephone or at our branch. (Smartphones cannot be used for loan application)

  • 2Choose to sign the contract either digitally or in writing

Advantages of digital contracting Stamp duty O yen No revenue stamp fee is required. No fees for the use of digital contracts. No signature or seal required Sign contracts on your smartphone or PC.

Advantages of digital contracting Stamp duty O yen No revenue stamp fee is required. No fees for the use of digital contracts. No signature or seal required Sign contracts on your smartphone or PC.

* We request you to sign the contract in person even in the case of digital contracts. For mortgage procedures, etc., a signature and seal on the document are required.

  • 3Group credit life insurance also covers cancer.

Maximum amount covered up to 200 million yen; up to 100 million yen for cancer*.

  • *Applied to those insurance applications with notification date of on or after April 1, 2024.

Group Credit Life Insurance

  • 4No credit guarantee fees or surety fees

Loan products covered by insurance companies usually require credit guarantee fees or surety fees etc.
SMBC Trust Bank doesn't charge credit guarantee fees nor surety fees.

  • 5Partial early repayments can be made free of charge by phone (Reduced period only).

Interest Plans (Sign loan agreements by the end of , )

A Plan "Interest Rate Focused Plan"

For customers who value lower interest rates over initial costs

Recommended for people who want to keep their monthly payments low, and envision repaying the loan over a relatively long period.

  • *Administrative fee : 2.2% of total loan amount (including tax)

[Initial interest rates]

Floating rate loan
(1 year renewal)		 Fixed rate loan
(10 years fixed)
(Reference) Base interest rates % p.a. % p.a.

Plans for
PRESTIA GOLD customers
PRESTIA GOLD PREMIUM customers

(Discount on the base interest rates)

 % p.a.
(- % p.a.)		 % p.a.
(- % p.a.)

Basic plans

(Discount on the base interest rates)

 % p.a.
(- % p.a.)		 % p.a.
(- % p.a.)

B Plan "Initial Cost Focused Plan"

For customers who value lower initial costs over interest rates

Recommended for customers who plan to make frequent early repayments and envision paying off the loan in as short a time as possible.

  • *Administrative fee : 22,000 yen (including tax)

[Initial interest rates]

Floating rate loan
(1 year renewal)		 Fixed rate loan
(10 years fixed)
(Reference) Base interest rates % p.a. % p.a.

Plans for
PRESTIA GOLD customers
PRESTIA GOLD PREMIUM customers

(Discount on the base interest rates)

 % p.a.
(- % p.a.)		 % p.a.
(- % p.a.)

Basic plans

(Discount on the base interest rates)

 % p.a.
(- % p.a.)		 % p.a.
(- % p.a.)
Fixed rate loan
(3 years fixed)		 Fixed rate loan
(5 years fixed)		 Fixed rate loan
(7 years fixed)
(Reference) Base interest rates % p.a. % p.a. % p.a.

Plans for
PRESTIA GOLD customers
PRESTIA GOLD PREMIUM customers

(Discount on the base interest rates)

 % p.a.
(- % p.a.)		 % p.a.
(- % p.a.)		 % p.a.
(- % p.a.)

Basic plans

(Discount on the base interest rates)

 % p.a.
(- % p.a.)		 % p.a.
(- % p.a.)		 % p.a.
(- % p.a.)

Note

  • The above loan interest rates are shown for reference purposes only, as the initial interest rates assuming that you signed a contract on , (contract date) and took out a loan by the end of , . Base interest rates are reviewed every month after , and your loan interest rate will also be revised in accordance with the review of the base interest rates.
  • Customers who meet the eligibility conditions above will receive discounts on the base interest rate which applies to those interest rate terms shown above.
  • Different loan interest rates and administrative fees are applied for A Plan "Interest Rate Focused Plan" and B Plan "Initial Cost Focused Plan" . For details, please refer to the Information Memorandum.

Period during which the discount rates are applied to the base interest rates

  • For floating rate loans (1 year renewal), discounts on the base interest rates will be applied throughout the loan period (until you complete repayment), except in cases where you switch to a fixed rate plan*. The discount range differs between A Plan "Interest Rate Focused Plan" and B Plan "Initial Cost Focused Plan". For details, please refer to the Home Equity Loan Interest Rate Plans.
  • Please note that for fixed rate loans, discounts on the base interest rates will be applied only during the initial applicable interest rate period.
  • *If you switch from a floating rate loan (1 year renewal) to a fixed rate loan during the loan contract period, the application of the interest rate plan under the floating rate loan (1 year renewal) will be suspended and conditions under the fixed rate loan plan will be applied instead. For details, please check the Home Equity Loan Interest Rate Plans. This document is available at our branches and on the SMBC Trust Bank PRESTIA Website.

Regarding initial interest rate change date

Please refer to the following before submitting your application

  • The location of the property securing the loan is subject to certain conditions. Please refer to the Information Memorandum for details.
  • Please be aware that the decision to extend the loan is based on screening of applications. We may not always able to meet your request.
  • Staff at our branches and Loan Promotion Dept. would be glad to calculate sample loan repayment scenarios. Please feel free to ask.
  • The Home Equity Loan overview is subject to change without notice at any time. Please refer to the Information Memorandum for the latest information.
  • This document is available at our branches.

The following is a guide to the general procedure from application to borrowing.

Contact Us

Before contacting us

Please refer to our FAQ for helpful tips

Please contact SMBC Trust Bank branch or phone below to discuss your loan application needs.

Telephone

0120-004-847(toll-free)

Service HoursWeekdays 9:00 - 17:00 (excluding holidays)*

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

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