Written product outline for Suruga Bank Home Loan (Plan for Non-Japanese Only)(Applicable as of April 1, 2024)
1.

Product name・Suruga Bank Home Loan (Plan for Non-Japanese Only)

Individuals meeting the following conditions(1) The person is aged at least 18 and less than 70 when borrowing and will be aged
less than 85 when making his/her final repayment.
(2) The person is able to enroll in a group credit life insurance plan(3) In principle, the person has an annual income of 4 million yen or more and at least
1 year of service.
(4) The person meets other conditions specified by the Bank.
・ Cash for purchasing a home or a block of land for a home in which the applicant or theapplicant's family will live
・ Expenses for an extension, remodeling, renovation or repair of a home・ Expenses for construction or change of residence*Nonresidents are not eligible for this product.
・2.

Who is allowed
to use thisproduct?

3.

Uses of loan

4.

Type of loan

・Loan on deeds

5.

Amount of loan

・At least 0.3 million yen and not more than 400 million yen

6.

Term of loan

・・Single-family home: At least one year and not more than 40 years
Condominium: At least one year and not more than 50 years

7.

Interest rate

(1)

Type of interestrate・

Variable interest rate

(2)

Method for
determining
interest rate

・The interest rate will be determined monthly during the period to which a variableinterest rate applies. The interest rate applying for a given month will be informed to
you by the Bank no later than the end of the preceding month. The Bank has discretion
to revise the applicable interest rate you were previously informed of.

(3)

Interest rate
revision afterloan provision

・The Bank will revise the interest rate for a loan twice a year in accordance with changes
to the base interest rate for variable interest rate home loans as set by the Bank.

(4)

Method for
obtaininginterest rate
information
Method for
repayment
Method for
repayment

・For the interest rate, please inquire at a loan service desk.

・Principal and interest equal repayment (a type of repayment method in which an equalamount of principal and interest is repaid each time)
You will also be allowed to repay an additional amount for every six-month period in
an amount up to 30% of the loan.

Revision torepayment
amount・8.
(1)(2)

・The Bank will determine a new amount of repayment by you by recalculating it. Thebase date for the revision will be October 1 for every five-year period after providing
the loan.
*After loan provision (or after a base date) and until the next base date, your monthly
repayment amount will not change. (Your repayment amount will be adjusted inaccordance with the ratio of principal repayment amount to interest payment amount.)
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Written product outline for Suruga Bank Home Loan (Plan for Non-Japanese Only)(Applicable as of April 1, 2024)*If the interest rate rises significantly, your new repayment amount will be adjusted toan amount not more than 125% of your previous repayment amount. If the interest rate
falls, your new repayment amount will be lower than your previous repayment amount.
9.

Guarantor

・No guarantor will be required in principle.

10.

Security

・

The Bank will establish a mortgage on the land and building for which the loan will beprovided.
*You will be required to assume the expenses for establishing security.

11.

Group credit
life insuranceplan・

You will be required to enroll in a group credit life insurance policy specified by theBank. (The Bank will assume applicable insurance premiums.)

Handling
charge andguarantee fee
Handling
charge・

110,000 yen (incl. consumption tax)

Prepayment
penalty・・

For a partial prepayment: 11,000 yen (incl. consumption tax)
For a complete prepayment: 33,000 yen (incl. consumption tax)

Other expenses

・

12.
(1)
(2)
(3)

13.

Other
reference
matters

14.

Designateddisputeresolution
agency withwhich the Bank
has anagreement

Not applicable.
*Charges and fees to be received by the Bank shall not exceed those stipulated byapplicable laws.
・ There are requirements specified by the Bank to take out a Suruga Bank Home Loan
(Plan for Non-Japanese Only). For details, please inquire at the counter (loan counter).
・ If you want to know your estimated repayment amount, please ask at the counter (loancounter).
・ When filing an application, you will be subjected to an examination specified by theBank.
*It should be noted beforehand that your application may be rejected as a result ofsuch examination.
*The Bank may reject your loan application if you are unable to understand ourbriefings in Japanese on products and/or agreement provisions.
・ Japanese Bankers Association (JBA)
Contact point: JBA Customer Relations Center T
elephone: 0570-017-109 or 03-5252-3772

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