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Depending on our customers’ life stage, SBI ARUHI helps their fulfilling home and life through optimal housing finance products and a variety of services


SBI ARUHI has grown as the largest specialist mortgage company in Japan that supports the decision that people make "one day (aruhi)" to buy a home, and to change their lives. SBI ARUHI's share of “Flat 35” all-time fixed-rate mortgage loans among financial institutions in Japan is more than 25%, giving the company the No.1 spot for thirteen consecutive years.*1 SBI ARUHI also offers a broad range of products including “ARUHI Flat 35”; “ARUHI Super Flat” with lower interest rates depending on down payments;*2 ARUHI's unique variable interest rate product “ARUHI Housing loan (MG Hosho) Your Select” and “ARUHI Super 40”; and bank agency products and insurances.

Besides the housing loan business, SBI Estate Finance provides personal customers with regarding real estate collateralized loans, leaseback arrangements and consulting services for seniors. For realtors, it offers acquisition loans and loans for the buying and reselling property. ARUHI Homebuying Concierge helps customers find their ideal home. As SBI ARUHI group, it offers diverse products and services to support customers of various life stages with home and life.

SBI ARUHI also strengthens partnerships with franchisees and realtors, etc. aiming to be a leading housing finance company that is the first choice for every customer.

*1 FY2010 - 2022 statistics on “Flat 35” execution volume including refinances at all financial institutions (SBI ARUHI's study as of the end of March 2023)
*2 Compared with “ARUHI Flat 35” (loan period: 21 - 35 years)

Corporate Profile

Company name SBI ARUHI Corporation
Principal business Mortgage lending and brokering, insurance agency services, bank agency services
Representative Takeshi Yoshimura, Chairman and Representative Director Representative Director, President, CEO and COO : Toshihiko Katsuya
Location Izumi Garden Tower, 1-6-1 Roppongi, Minato-ku, Tokyo
Date of establishment June 9, 2000
Paid-in capital 6 billion yen
Shareholders * SBI Group 63.1%

* Ownership percentage is based on voting rights. SBI Group's shareholding percentage corresponds to a total percentage based on the IFRS criteria for subsidiary companies and subsidiary funds of the Group.

(As of March 31, 2024)

Corporate Information & SBI Group