Sumishin SBI Net Bank Expands Maximum Loan Amount for "Flat 35" Pair Loans

Sumishin SBI Net Bank, Ltd. (Head Office: Minato-ku, Tokyo; President & CEO: Noriaki Maruyama; hereinafter "Sumishin SBI Net Bank", will change its trade name to "Docomo SMTB Net Bank" from August 3, 2026*) is pleased to announce that, in conjunction with revisions to the Housing Loan Corporation's system, it will expand the maximum loan amount available for pair loans under its "Flat 35" offering, in partnership with the Housing Loan Corporation, effective July 1, 2026 (Wed).

With this revision, when using a pair loan, both individuals will be able to utilize a combination of "Flat 35" and the Flat Package Loan "Go Go" (hereinafter "Go Go"). This will expand the maximum loanable amount from the previous maximum of 360 million yen to a new maximum of 480 million yen.

In recent years, the amount of funds required for home purchases has been on an upward trend, driven by rising housing prices and an increase in dual-income households. Sumishin SBI Net Bank is committed to improving its product offerings to enable more flexible financial planning, thereby meeting the diverse housing acquisition needs of its customers.

This revision will provide new options for customers considering the purchase of high-value properties or those seeking more flexible loan structures.

Revision Details

Key Points of this Revision

Maximum loanable amount for pair loans expanded from 360 million yen to 480 million yen.

Both individuals can utilize "Flat 35" and "Go Go".

Meets funding needs for high-value property purchases.

Enables flexible financial planning utilizing both individuals' incomes.

About "Flat 35" Pair Loans

A pair loan is a system where two individuals, such as a married couple, parent and child, or partners, each enter into a separate housing loan agreement for the same property.

This allows for loan structures tailored to each individual's income, and repayment periods and group credit life insurance can be set according to their respective life plans.

Furthermore, combining "Flat 35" with "Go Go" further broadens the scope for financial planning when acquiring a home.

Product Details

"Flat 35" Pair Loan

https://www.netbk.co.jp/contents/lineup/home-loan/flat35/pair/

Flat Package Loan ("Go Go")

https://www.netbk.co.jp/contents/lineup/home-loan/flat35/package/

> Click here for product overview documents

Start Date of Handling

For applications received from July 1, 2026 (Wed)

Consultation and Application

Consultations and applications for this product are accepted through nearby agents or partner businesses.

> Click here for a list of Sumishin SBI Net Bank housing loan branches

Notes on Usage

For detailed product information, please refer to the product overview documents posted on our website.

> Click here for product overview documents

Please note that a prescribed screening process is required for applications. Depending on the results of the screening, your request may not be met. We appreciate your understanding in advance.

The actual applicable interest rate will be the rate on the loan date (disbursement date), not the application date. Therefore, it may differ from the interest rate at the time of application.

Please note that applications for this product cannot be made through the Sumishin SBI Net Bank website.

Since separate contracts are required, mortgage registration fees and administrative fees will be incurred for each individual.

As group credit life insurance is subscribed to individually, if something unfortunate happens to one individual, the other individual will still need to continue repaying their own debt.

In cases where an event occurs that requires full repayment of the debt, such as one individual failing to make repayments, the other individual may also be required to make full repayment of their own debt.

Sumishin SBI Net Bank aims to transform financial services and make society more comfortable and convenient by utilizing cutting-edge technology under its customer-centric philosophy.

* This trade name change is subject to approval from relevant authorities.

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