Suruga Bank foreign-national home loan
Suruga Bank foreign-national home loan: rate snapshot, realistic pricing factors, eligibility, fees, and best fit.
Suruga Bank offers broad specialist consideration and multilingual experience for foreign nationals resident in Japan: its published outline allowed ¥300,000–¥600 million, age under 70 at borrowing and under 85 at final repayment, and excluded nonresidents — thoroughly compare rate, LTV, fees, and its historical servicing reputation.
Key points
- Advertised rates are execution-month or example figures verified August 1, 2026, not guaranteed offers.
- Realistic pricing depends on LTV, term, underwriting additions, and bundled-service discounts.
- Confirm eligibility, property rules, fees, and insurance in a dated written quotation.
- Compare the all-in cost over your expected holding period, not the headline rate.
Rate snapshot
Current rate not confirmed in an August 2026 HTML source — obtain a direct quotation.
Advertised rates are execution-month or example figures verified August 1, 2026, not guaranteed offers; the final rate, LTV band, and conditions are set only at underwriting and execution. Obtain a dated written quotation.
Realistic pricing, loan limits, and eligibility
Published outline allowed ¥300,000–¥600 million, age under 70 at borrowing and under 85 at final repayment; the applicant must be resident in Japan (nonresidents excluded).
Strengths, weaknesses, and best fit
Broad specialist consideration and multilingual experience. Thoroughly compare rate, LTV, fees, and its historical servicing reputation.
How to use this profile
Use Suruga Bank foreign-national home loan as one entry on a screened shortlist, not as a verdict. A fair comparison holds the execution date, loan-to-value band, term, insurance, and expected holding period constant across every lender, and weighs the all-in cost — the execution-month rate, the origination or guarantee fee, insurance additions, registration, and any early-repayment charge — over the years you actually expect to hold the loan, rather than the headline rate alone. A 2.20% origination fee on a ¥50 million loan is ¥1.10 million before other costs, which can outweigh a small rate difference for a short holding period.
Because pricing changes monthly and some fields are not disclosed on the public page, request a dated written quotation showing your actual rate, discount margin, fees, insurance options, and any LTV or term surcharge, and reconcile the headline page with the detailed-course page where they differ. Cover a major bank, an online bank, a relationship or regional bank, and any specialist route you need before deciding, and confirm eligibility for your residence status, income type, and the specific property.
Who this is for
- Borrowers shortlisting this lender
- Applicants comparing dated quotations
What this is not
- Anyone treating an advertised rate as a guaranteed offer
- Advertised rates are execution-month or example figures verified August 1, 2026, not guaranteed offers; the final rate, LTV band, and conditions are set only at underwriting and execution. Obtain a dated written quotation.
Frequently asked questions
How do I compare lenders fairly?
Use the same execution date, LTV, term, insurance, fees, and holding period for every quote.
How do I find the cheapest mortgage?
Compare the all-in cost — execution rate, fees, insurance, and early-repayment costs — over your holding period, not the headline rate.