SBI Sumishin Net Bank Launches 'Flat 35' Pair Loan Service

SBI Sumishin Net Bank, Ltd. announced that starting Friday, May 29, 2026, it has begun offering 'Pair Loans' for the 'Flat 35' mortgage, provided in partnership with the Japan Housing Finance Agency. In recent years, against the backdrop of an increase in dual-income households, diversification of lifestyles, and rising housing prices, the needs for financial planning when purchasing a home have become more diverse. A pair loan is a mechanism where two people, such as a married couple, parent and child, or partners, each contract a mortgage for the same property. By structuring the mortgage according to income and life plans, customers can design their financial plans more flexibly. With this product, it is possible to design borrowing based on each person's income, and repayment periods and group credit life insurance can be set differently for each. Additionally, by using the 'Flat Package 5go,' it is possible to combine it with a variable interest rate.