Investment Property Loan

Make use of SMBC Trust Bank's Investment Property Loan for your real estate investment

We offer preferential interest rates to PRESTIA GOLD and PRESTIA GOLD PREMIUM customers, as well as those borrowing an investment property loan of 50 million yen or more.
In addition to taking out new loans, SMBC Trust Bank's Investment Property Loans can also be used for refinancing from other banks and companies.

  • Please make sure to read the Notes and the Investment Property Loan Information Memorandum below.

Investment Property Loan features

  • Borrow up to 100 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 (including
    disability coverage)
    (Amount covered: up to the
    outstanding loan balance*)
*The coverage per insured person is up to 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 investment property 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 Investment Property Loan Interest Rate Plans.

Investment Property Loan Programs

Investment property loan fixed rate type (1 year/10 years) interest rate plans

Fixed rate loans (1 year fixed)

  • Initial interest rate
  • % p.a.
Investment Property Loan base interest rate
% p.a.
Discount on the base interest rate
-% p.a.

(generally -% p.a.)

Fixed rate loans (10 years fixed)

  • Initial interest rate
  • % p.a.
Investment Property Loan base interest rate
% p.a.
Discount on the base interest rate
-% p.a.

(generally -% p.a.)

  • 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.
  • Please note that preferential interest rates (i.e., discount on the base interest rates) will be applied only during the initial applicable interest rate period. For details, please refer to the Investment Property Loan Interest Rate Plans.

Please contact us for inquiries:

0120-004-847

0120-004-847

9:00 - 17:00, weekdays / toll-free

Steps to Borrow

STEP 1 Determine to purchase a property/take out a loan STEP 2 Apply for a loan STEP 3 Undergo screening STEP 4 Sign a contract (the interest rate as of the contract month will apply) STEP 5 Take out a loan (funds deposited) STEP 1 Determine to purchase a property/take out a loan STEP 2 Apply for a loan STEP 3 Undergo screening STEP 4 Sign a contract (the interest rate as of the contract month will apply) STEP 5 Take out a loan (funds deposited)