ARUHI review

The rate is fixed across the whole term, and the listed range is 2.14% to 2.81%. Entry sits at an initial rate of 2.14%, and the representative example caps the effective annual rate while charging a higher delinquency rate on missed payments.

The rate is held fixed for 20, which is well past the site median of 6.5. ARUHI ranks at 61 of 259 brands on fixed period, so the long lock is the standout feature.

An origination fee of 2.2% of the loan amount (tax incl.), minimum JPY 220,000 applies, with a minimum of ¥220,000. On a smaller advance the percentage sits above the floor, which is worth weighing against the 2.14% to 2.81% rate range.

Free early repayment is yes, so part of the balance can be cleared whenever suits you. Most of the site offers free early repayment, at 81.2%, so this is a standard feature rather than a rare one.

The credit check is a soft prequalification, so an early affordability estimate does not carry a hard search. Applicants must be adults and Japanese nationals, permanent residents or special permanent residents, with total repayments kept within the stated share of income.

Borrowing runs ¥1,000,000 to ¥120,000,000 with a maximum loan to value of 100%, and terms last 180 to 600. ARUHI ranks at 4 of 293 brands on maximum loan to value, in the highest group on the site.

ARUHI is registered with the Kanto Local Finance Bureau in JP under 貸金業者登録番号 関東財務局長(4)第01512号. The lending entity is SBI ARUHI Corporation and lends directly rather than through a broker, so the counterparty on the paperwork is clear.

Support runs on chat only, so questions are handled in chat rather than by phone. Chat sits at 33.1% across the site against 85% for phone support.

Both are covered, since the stated purposes are purchase and remortgage. Loans are secured against the property, with bridging finance listed as an extra type for buyers who need funds before a sale completes.