I’m specifically looking at the two Prestia variable (floating) rate plan that’s 0.59% (with 22,000 yen flat administrative fee) or 0.34% (with 2.2% loan amount as administrative fee).
The rates are decent but I’ve been told there’s potentially cheaper options with Japanese net banks. For example: au is 0.319% (with 2.2% admin fee).
I probably have enough Japanese to do the loan in Japanese if necessary, but of course I prefer English.
Just wondering what people’s experiences are with SMBC Prestia. Is it worth whatever difference in rate there is vs net banks?
Thanks for any insight people have.
by nisenopi