SBI ARUHI（the “Company） 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. The Company'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 fifteen consecutive years.*1 The Company also offers a broad range of products including “Flat 35”; “Super Flat” with lower interest rates depending on down payments;*2 its unique variable interest rate product “Housing loan (SBI Credit Guarantee)”; 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.
In April 2025, the Company established SBI Credit Guarantee to enter the housing loan guarantee business, a first for the SBI Group. Going forward, the Company continues to offer diverse products and services to support customers in realizing their home and life according to their life stages.
By strengthening partnerships with franchisees, realtors and other partners, the Company aims to be a leading housing finance company that is the first choice for every customer.
*1 FY2010 - 2024 statistics on “Flat 35” execution volume including refinances at all financial institutions (SBI ARUHI's study as of the end of March 2025)
*2 Compared with “Flat 35” (loan period: 21 - 35 years)
