Depending on our customers' life stage,
we help their fulfilling life
through optimal housing finance products
and a variety of services.
Life is made up of an accumulation of "aruhi (one day)"
And the day you get your own home or property is "aruhi" that is like no other.
SBI ARUHI Group supports a special "aruhi" for customers
by providing various of services and products necessary for people
who purchase or receive real estate through diverse channels including stores nationwide.
We suggest livable communities and houses suited to your life style,
help with selling and buying properties, and offer a range of services that make your life easier
by delivering homebuying products and services as a one-stop solution.
In addition to housing loans, we provide personal customers with consulting service
real estate collateralized loans, lease-back arrangements, and consulting service for seniors.
For realtors, we offer acquisition loans and properties for purchase.
We financially support you with home and living depending on your life stage
and contribute to creating a society filled with smiles.
MISSION
We will contribute to make society happier,
helping people finance
the optimal home suited to their stage of life.
We are committed to being a leading company in housing finance field,
becoming a customers’ first choice with a complete range of financing services,
operational excellence, and a vast network of partners.
VALUES
- High ethical standards
- Customer-centric
- Self-transformation
- Diversity
- One team
Our Business
Housing loan business
Leveraging our strengths and knowhow as a specialist mortgage company, we recommend the best properties and housing loans for each customer.
SBI ARUHI's share of “Flat 35” all-time fixed-rate housing loans among financial institutions in Japan has reached 24.7%, retaining the No.1 spot for fourteen consecutive years. *1 We also offers a broad range of products including "ARUHI Super Flat" delivering lower interest rates than "ARUHI Flat 35" depending on down payments *2 , bank agency products, variable interest rate products, and insurances.
Real estate business
We support customers who want to buy a new home at various life stages from the first step to homebuying, helping them find the most livable town, look for a new home, and create a financial plan.
Consumer services
Consumer services offers perks for our housing loan customers to support their home purchase and daily life in their new home such as moving and rental car.
- *1 FY2010 - 2023 statistics on "Flat 35" execution volume including refinances at all financial institutions (SBI ARUHI's study as of end of March 2024)
- *2 Compared with "ARUHI Flat 35" (loan period: 21 - 35 years)
History
- Jun. 2000
- Established
- Sep. 2006
- Set up Japan's first full-scale housing loan agency system by partnering with a life insurance agency (First in Japan)
- Sep. 2008
- Became Japan's first mortgage bank obtaining a license to provide bank agency service (First in Japan)
- Apr. 2012
- Became first Japanese company to list on the Korea Exchange (KOSPI) (First in Japan)(Delisted when becoming a part of Carlyle group in February 2015)
- May. 2015
- Renamed ARUHI Corporation
- Jul. 2015
- Launched ARUHI Living Service to offer perks and partner services and products
- Oct. 2016
- Started offering “ARUHI Super Flat”
- Nov. 2016
- Started offering Sony Bank's variable interest rate products
- Jan. 2017
- Became first in Japan to leverage RPA to drastically reduced required fields on its housing loan application form (First in Japan)
- Dec. 2017
- Started offering “Quick Pre-screening Before Home Search”, a simple pre-screening tool for housing loans available before starting to look for properties
* Currently, this service is for realtors. - Dec. 2017
- Started “ARUHI Presents:Livable Community Awards”
- Dec. 2017
- Listed on First Section of Tokyo Stock Exchange
- Jan. 2019
- Automated mortgage application process with RPA; Started business process outsourcing service in May 2019
- Jan. 2020
- Issued Japan's first green residential mortgage-backed securities (Green RMBS) (First in Japan)
- Apr. 2020
- Started offering “ARUHI all illness protection insurance (with lump-sum hospitalization benefit)” that can be added to its housing loans
- Feb. 2021
- Entered business partnership with Hokuto Bank under which the bank refers prospective housing loan customers to its
- Apr. 2022
- Transition to the Prime Market of the Tokyo Stock Exchange
- Aug. 2022
- Started offering "ARUHI Flat 50"
- Sep. 2022
- Mortgage servicing outstanding balance exceeds JPY 5 trillion
- Nov. 2022
- Became a member of the SBI group
- Aug. 2023
- Started offering “ARUHI Housing loan (MG Hosho) Your Select”
- Dec. 2023
- SBI Estate Finance, SBI Smile and SBI Guarantee became members of SBI ARUHI group
- Jan. 2024
- Renamed SBI ARUHI Corporation
- Jan. 2024
- Started offering SBI Sumishin Net Bank's variable interest rate products
- Aug. 2024
- Moved headquarters to Chiyoda-ku
- jan. 2025
- Started offering "ARUHI Reverse 60"
- Apr. 2025
- SBI Credit Guarantee starts offering mortgage guarantee service
- Apr. 2025
- Started offering "ARUHI Housing Loan (SBI Credit Guarantee)"