Building a circular society

SBI ARUHI contributes to the creation of a circular society that passes on and extendedly uses good products through products and services centered on housing loans.

Environmental initiatives through housing loans

In international society, strengthening energy-saving measures in housing and buildings aimed at the achievement of targets to reduce greenhouse gas emissions based on the “Paris Agreement” (effective from November 2016) has become a pressing issue, and addressing global warming and promoting high-quality housing such as advocating the formation of housing stock from the perspective of effective utilization of land and resources has also become a social issue in Japanese government policy.

Furthermore, SBI ARUHI is contributing to the building of a circular society that passes on and extendedly uses good products by contributing to the acceleration of pre-owned properties acquisition through not only "Flat 35" but also the unique housing loan products offered by the Company.

"Flat 35" No. 1 in loans executed (*1), helping the acquisition of high-quality pre-owned properties

The "Flat 35" all-time fixed-rate housing loans with a length of up to 35 years handled by SBI ARUHI are a product aimed at the formation of high-quality housing stock through a partnership with the Japan Housing Finance Agency. SBI ARUHI has been the leader in handling "Flat 35" among all financial institutions for 14 years in succession, and as the top runner among financial institutions specializing in housing loans, is providing a boost for more people to acquire high-quality housing based on certain technical standards.

  • *1 FY2010 - 2023 statistics on "Flat 35" execution volume including refinances at all financial institutions (SBI ARUHI's study as of the end of March 2024)

One in about four users of
"Flat 35" use SBI ARUHI.

Number of loans executed for
pre-owned properties

* Total of "Flat 35", original SBI ARUHI products,
and bank agency products in each fiscal year

Promotion of environmentally friendly housing

"Flat 35" includes programs for lowering the initial interest for a fixed period when acquiring housing with excellent properties such as energy saving or quake resistance, and when performing remodeling or renovation to improve performance after acquisition of a property ("Flat 35"S and "Flat 35" Renovation). SBI ARUHI is promoting the spread of environmentally friendly housing by providing these programs to customers.

"Flat 35"S

Support for the acquisition of housing with excellent properties such as energy saving and quake resistance

A program for lowering the initial rate of "Flat 35" during a fixed period for excellent energy saving, barrier-free accessibility, quake resistance, durability and modifiability as well as for building or purchasing housing with ZEH(net Zero Energy House).

Eligible properties are confirmed to meet the technical standards specified by the Japan Housing Finance Agency through inspections by third-party organizations.

Energy saving
Housing with a high level of insulation, etc.
Barrier-free accessibility
Housing making everyday life easier for the elderly
Quake resistance
Housing with performance at a level that does not collapse or be otherwise destroyed due to strong earthquakes
Durability and modifiability
Housing with a high level of insulation, etc.

What is ZEH?

  • Thermal
  • Highly energy-efficient
    housing facilities
  • Energy

"Flat 35" Renovation

Promoting the spread of renovated housing (remodeling to improve performance*2)

A program for lowering the initial interest rate of "Flat 35" for a fixed period when performing renovations (remodeling to improve performance) or acquiring renovated pre-owned housing.

  • *2 Remodeling work that improves the energy-saving, quake-resistances or other performance of housing by a certain amount or more.
Case in which "Flat 35" Renovation is applicable (one example)

Support for the TCFD recommendations

In June 2022, SBI ARUHI announced its support for the Task Force of Climate-related Financial Disclosures (TCFD) and discloses information in line with the TCFD recommendations.

The company will continue to assess and manage climate change-related risks and opportunities, disclose appropriate information, enhance the resilience of strategies to the challenges of climate change, and strive to make efforts to realize a carbon-free economy as a financial institution.

Our Sustainability page provides key climate change disclosures in line with TCFD recommendations.

Climate change management

Current greenhouse gas emissions are as shown below: *1 *2 *3

Unit FY2018
Total CO2 emissions t-CO2 287 314 284 293 326
Total CO2 emissions per employee t-CO2/
0.879 0.794 0.668 0.621 0.671
Scope 1 CO2 emissions t-CO2 41 58 47 25 4
CO2 emissions from fuel use t-CO2 0 0 0.72 2.10 3.52
CO2 emissions from air conditioning at company facilities t-CO2 41 58 46 22 0 (*4)
Scope 2 CO2 emissions t-CO2 247 256 237 269 322
CO2 emissions from electricity use at company facilities t-CO2 247 256 237 269 322
Total annual electricity use kWh 538,568 565,195 542,450 620,427 744,909
Average CO2 emissions per annual energy consumption (electricity) t-CO2/
0.0005 0.0005 0.0004 0.0004 0.0004
Annual Scope 2 CO2 emissions t-CO2 247 256 237 269 322
Total annual electricity use kWh 538,568 565,195 542,450 620,427 744,909
  • *1 Emissions are calculated in accordance with the scopes defined by the Greenhouse Gas Protocol (GHG Protocol).
  • *2 The above greenhouse gas emissions are from SBI ARUHI only.
  • *3 The target company facilities are 14 offices in FY2018, 15 offices in FY2019, 16 offices in FY2020, 20 offices in FY2021, and 28 offices in FY2022.
  • *4 "CO2 emissions from air conditioning at company facilities" in FY2022 stated in the table reflect decreased refilling and recovery of fluorocarbon refrigerant and decreased number of locations included in the estimation.

Changes in CO2 emissions