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.