Long-term loan solution with structured support and property-focused eligibility.
Housing Loan up to ¥100 million: property-based funding in Japan
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How This Housing Loan Works
Secured Real Estate Financing
This loan uses the purchased or renovated property as collateral, allowing higher loan ceilings and lower interest rates for eligible borrowers.
Target Use and Limits
Loan amounts range from ¥1 million up to ¥100 million. Funds must be applied strictly for home purchase, construction, renovation, or refinancing.
Repayment and Support
Terms extend up to 35 years with structured payment plans. English-language support is available at select Prestia branches for foreign residents.
Comparing Benefits and Conditions
| Benefit | Description | Consideration | Description |
|---|---|---|---|
| High Loan Ceiling | Borrow from ¥1 to ¥100 million | Proof of Purpose Required | Must present property contracts |
| Long Repayment Terms | Repay in up to 35 years | Age Limit Applies | Must complete repayment by age 75 |
| English Consultation | Help available at designated Prestia branches | Limited Location Support | English not offered in all branches |
| Secured Lower Rates | Real estate used as collateral lowers interest | Property Risk Involved | Property may be repossessed on default |
Borrowers seeking high-value, long-term housing finance with guided in-person service should consider this option.
Key Risks and Borrower Responsibilities
- Collateral required: property can be repossessed upon default
- Loan purpose restricted to housing-related contracts
- Requires property appraisal and income documentation
- Application process may require in-person consultation
- Repayment period can extend for decades
Read all contract terms carefully and use credit responsibly.
Ideal Borrower Profile
| User Characteristic | Reason This Card Model Works |
| Homebuyer or renovator | Eligible for contract-based housing loan |
| Foreign resident in Japan | English support at select locations |
| Long-term planner | Can repay over decades with structured scheduling |
| Has property as collateral | Needed to secure loan and lower interest |
| Income documentation ready | Required for screening and approval |
| Age under 70 | Ensures loan maturity before bank cutoff age |
Well-suited for foreign or Japanese residents with formal employment and long-term home investment goals.
Recommended for those comfortable with collateral use in exchange for long-term repayment and lower borrowing cost.
This housing loan is ideal for financing long-term real estate investments in Japan under structured and contract-backed conditions.
It works well for borrowers with a clear repayment plan and the ability to provide financial and property documentation.
Applicants benefit from higher loan ceilings, long-term scheduling, and potential access to English support.
In return, users must be comfortable providing property as collateral and committing to multi-decade repayment.
Those needing short-term, unsecured cash should consider other loan types, such as personal or card loans.
Always consult the official website for complete terms and recent updates.
Housing Loan
SMBC Trust Bank
Disclaimer
This information is for general reference only and does not constitute financial advice or a product recommendation.
