SBI Shinsei Bank, Ltd.
Announcement of start of preferential mortgage interest rate program for environmentally friendly housing (ZEH, etc.)
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SBI Shinsei Bank will begin offering a preferential mortgage interest rate program for environmentally friendly housing (ZEH, etc.) from April 1, 2024, with the aim of popularizing ZEH*1 towards realizing a decarbonized society. .
This program is based on the government’s 6th Basic Energy Plan, which states, “Aiming to ensure energy-saving performance at the level of ZEH standards for newly built houses from 2030 onwards,” and “By 2030, 60% of newly built single-family houses will be solar powered.” Based on our goal of “to have photovoltaic power generation equipment installed”, we offer preferential interest rates when customers use our home loans to purchase homes that meet ZEH standards.
The SBI Shinsei Bank Group supports corporate and individual customers who are working to solve environmental and social issues through the provision of funds. The SBI Shinsei Bank Group’s medium-term vision calls for “providing financial functions to resolve environmental and social issues,” and this program is one of its specific initiatives. We will continue to aim to create a better future together with our customers by proactively addressing their sustainability issues. *1 ZEH (net zero energy house) is a house that uses high insulation, high airtightness, and high efficiency equipment to reduce the amount of energy used, while generating energy through solar power generation and other means. A house whose energy consumption is approximately zero or less. (From the Ministry of the Environment website) [Program overview]
If a customer who has purchased a home that meets the ZEH standards*2 takes out a new PowerSmart home loan from our bank, the initial interest rate will be reduced by 0.01% per year.
– If you select a variable interest rate (semi-annual type) and there is no change to the interest rate type, you will receive a
preferential reduction of 0.01% per year from the base interest rate even after the initial borrowing rate application period ends. – If you select a fixed interest rate initially, there will be no preferential treatment for lowering the base interest rate after the initial borrowing rate application period ends.
・If you choose the long-term fixed interest rate, you will receive a preferential treatment of 0.01% per year until the loan is fully repaid.
*2 ZEH categories covered by this program
[Table 2: https://prtimes.jp/data/corp/5652/table/118_1_33a0aed5c0a5896a93eaf0724fb83a27.jpg] [Program participation conditions]
・Must sign up for a PowerSmart home loan after April 1, 2024. ・Before signing a PowerSmart home loan contract, please submit a BELS evaluation report (copy) that confirms that the property is ZEH. *If the property you are purchasing is a condominium and there is no BELS evaluation report, please send us a pamphlet or flyer stating that the property is ZEH-M, Almost ZEH-M, ZEH-M Ready, or ZEH-M Oriented. Please submit.
– Select an interest rate type: variable rate (semi-annual), initial fixed rate, or long-term fixed rate.
*For each interest rate type, both fixed fee type and fixed fee type are eligible.
■Click here for details about this program
https://www.sbishinseibank.co.jp/retail/housing/campaign/zeh/ ■ Click here for details on SBI Shinsei Bank’s Power Smart Home Loan https://www.sbishinseibank.co.jp/retail/housing/
-Inquiries regarding SB Shinsei Bank housing loans-
Power Call (for mortgages only) TEL: 0120-456-515
Reception hours: Weekdays: 9:00-19:00 / Saturdays: 9:00-17:00 (excluding Sundays, holidays, and New Year’s holidays)
More details about this release:
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