Housing Loan
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- Investment Property Loan
We provide distinctive preferential interest rate programs to selected customers.
We offer preferential interest rates to PRESTIA GOLD and PRESTIA GOLD PREMIUM customers, as well as those borrowing a housing loan of 50 million yen or more.
For floating rate loans (1 year renewal), we offer "A Plan," ideal for customers who prefer a lower borrowing rate of interest, and "B Plan," ideal for customers who want to hold down initial costs. Fixed rate loans are also available. You can borrow up to 500 million yen to live out your big dream.
- Please make sure to read the Notes and the Housing loans Information Memorandum below.
Housing Loan Features
- Borrow up to 500 million yen
-
Credit guarantee fees
or surety fees ¥0 -
Partial early payments
¥0
Reduced period type
only by phone - No need to pay stamp duty when you choose digital contracting ¥0
-
SMBC Trust Bank
will cover premiums for Group Life Insurance Maximum amount covered :
200 million yen, including disability
coverage up to 100 million yen
*Applied to those applications with notification date of on and after April 1, 2020
- Notes:
- The borrower bears the cost of mortgage execution fees and stamp duties/registration fees.
- The extension of the housing loan, as well as the financeable amount, will be determined based on the screening criteria specified by the bank.
- Please click here to see the Housing Loan Interest Rate Plans.
Housing Loan Programs
Floating rate loans (1 year renewal)
Floating rate loans "A Plan"
Administrative fee: 2.2% (including tax) of total loan amount
- Initial interest rate
- % p.a.
- Housing loan base interest rate
- % p.a.
- Discount on the base interest rate
- -% p.a.
(generally -% p.a.)
Ideal for:
Customers who want to keep their monthly payments low and envision repaying the loan over a relatively long period
Floating rate loans "B Plan"
Administrative fee: 22,000yen (including tax)
- Initial interest rate
- % p.a.
- Housing loan base interest rate
- % p.a.
- Discount on the base interest rate
- -% p.a.
(generally -% p.a.)
Ideal for:
Customers who will make frequent early repayments and envision paying off the loan in as short a time as possible
Fixed rate loan (10 years fixed)
Administrative fee: 22,000yen (including tax)
- Initial interest rate
- % p.a.
- Housing loan base interest rate
- % p.a.
- Discount on the base interest rate
- -% p.a.
(generally -% p.a.)
Ideal for:
Customers who want to assess the future interest-rate trend while setting up a secure repayment plan
- Notes:
- 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" and "B Plan" of floating rate loans (1 year renewal). For details, please refer to the Information Memorandum and other documents at the bottom of this page.
- 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*.
- 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 a housing 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 Housing Loan Interest Rate Plans.
Steps to Borrow
- Support Documentation
- Please read the following documents for more details about the housing loan.
- Housing Loan Interest Rate Plans
- Housing loans (Floating rate, 1 year renewal) Information Memorandum
- Housing loans (Fixed rate) Information Memorandum