SMBC Housing Loan

Sumitomo Mitsui Banking Corporation · floating

Important underwriting notice

This records stated application conditions, not an approval estimate. The lender separately underwrites credit, property and repayment capacity.

Product facts

Rate category: Floating and fixed-period options
Checked: 2026-07-30
Term: Up to 35 years
Checked: 2026-07-30
Stated eligibility: Public application conditions apply; meeting them does not mean approval.
Checked: 2026-07-30
Disclosed income condition: Not disclosed or not confirmed in the reviewed official material—not the same as “none”.
Checked: 2026-07-30
Employment condition: Not disclosed or not confirmed in the reviewed official material—not the same as “none”.
Checked: 2026-07-30
Nationality / residence condition: Lender’s stated residence conditions apply
Checked: 2026-07-30
Loan-to-value / financing ratio: Not disclosed or not confirmed in the reviewed official material—not the same as “none”.
Checked: 2026-07-30
Published rate: Not disclosed or not confirmed in the reviewed official material—not the same as “none”.
Checked: 2026-07-30
Fees: See the lender’s current fee sheet; plan and channel affect charges.
Checked: 2026-07-30
Guarantee structure: Not disclosed or not confirmed in the reviewed official material—not the same as “none”.
Checked: 2026-07-30
Group credit life insurance: Group credit life insurance conditions and exclusions apply.
Checked: 2026-07-30
Prepayment: Method, minimum amount and any charge depend on the lender/channel.
Checked: 2026-07-30
Application facts: Apply with the lender; documents and property review are required.
Checked: 2026-07-30