The expenses that can be handled as a use of housing loan funds are as follows:
- Administrative fee
- Real estate brokerage commissions
- Real estate registration tax
- Fixed asset tax and City planning tax
- Real estate registration fee
- Fire and earthquake insurance premiums
- Stamp duty
- Moving expenses
- Loan handling fee for an affiliated real estate company
- Expenses incurred when acquiring a new home*
- Home renovation costs (only for purchase of existing properties)
- *Reserve for repairs and maintenance fees paid in advance when purchasing a new condominium, and optional construction costs for new properties not included in the purchase price.
Notice
- Of the above, expenses for which the use of funds can be confirmed by the loan disbursement date, by receipts, remittance slip copies, etc., are eligible for housing loan financing.
- Generally, expenses are not eligible for the Special Tax Deduction for housing loans, etc. Please contact your local tax municipal office for details.
- If you apply through a real estate company affiliated with SMBC Trust Bank, the eligible expenses may differ from the above. Please confirm with the person in charge of the real estate company.
