Press Release

May 29, 2026
SBI Sumishin Net Bank, Ltd.

SBI Sumishin Net Bank Launches Pair Loan Option for Flat 35
Expanding flexible housing finance through the combination of Flat 35 and pair loans

SBI Sumishin Net Bank, Ltd. (Head Office: Minato-ku, Tokyo; President & CEO: Noriaki Maruyama; henceforth referred to as “SSNB”) announced that it has launched a pair loan option for Flat 35, a long-term fixed-rate housing loan provided in partnership with the Japan Housing Finance Agency, effective May 29, 2026.

In recent years, the increase in dual-income households, diversification of lifestyles, and rising housing prices have led to increasingly diverse needs for housing finance at the time of home purchase. In response to these changes, the Bank has expanded its housing loan lineup by introducing the Flat 35 pair loan, offering customers greater flexibility in designing financing plans that align with their individual life plans.

A pair loan is a financing structure under which two individuals—such as married couples, parents and children, or partners—each enter into a separate housing loan agreement for the same property. By structuring loans based on each borrower’s income and circumstances, customers can create a more flexible and tailored funding plan for home acquisition.

Launch of Flat 35 Pair Loan Service

Launch of Flat 35 Pair Loan Service

Flexible Borrowing Design with the Flat 35 Pair Loan

Through this product, customers can benefit from the following features:

  • Loan amounts can be structured according to each borrower’s income
  • Applications are available not only for married couples, but also for parents and children or partners
  • Loan terms and group credit life insurance coverage can be set individually for each borrower
  • The loan can be combined with variable-rate loans through the Flat Package “5go”

Consultation and Application

Consultations and applications for this product are accepted through authorized agents or partner companies.

Important Notes

  • For detailed product information, please refer to the product overview available on the Bank’s website.
  • All applications are subject to the Bank’s prescribed screening process. Depending on the results of the screening, applications may not be approved.
  • The applicable interest rate is determined on the loan disbursement date, not on the application date, and may differ from the rate at the time of application.
  • This product cannot be applied for directly through the Bank’s website.
  • As separate loan agreements are required for each borrower, registration fees for mortgage liens and administrative fees will apply to each loan individually.
  • Each borrower must enroll separately in group credit life insurance. In the event of the death or disability of one borrower, the other borrower remains responsible for repayment of their own loan.
  • If an event occurs that triggers a demand for lump-sum repayment due to default by one borrower, the other borrower may also be required to make lump-sum repayment of their own obligations.

Contact

For further information about this press release, please contact:
SBI Sumishin Net Bank, Public Relations
kouhou_pr@netbk.co.jp

Note: This content has been translated from the Japanese original using AI-assisted machine translation for reference purposes only.
In the event of any discrepancy between this translated document and the Japanese original, the original shall prevail.