We meet and support various needs of you by wide range of services.
We propose products and services suitable for your purpose.
Service for corporate customers
Contract under which Sumitomo Mitsui Trust Panasonic Finance Co., Ltd. purchases various "articles" that you want to introduce instead of you and leases the purchased articles to you. This contract is the most common of all types of lease contract. This contract has various advantages to you including saving of initial investment cost and simplified clerical procedures to obtain ownership.
Lease contract to keep monthly lease fees low by the following way: If the value can be expected for the used article at the expiration of leasing, future value of the article is estimated as the residual value, and the residual value is deducted from the purchase price. Since the residual value is set, total payment for the lease fee is smaller than finance lease.
Sale & lease back
Sale & lease back is a lease contract under which your machine or equipment is sold to Sumitomo Mitsui Trust Panasonic Finance Co., Ltd. and immediately after that the article we purchased is leased to you. The advantage of this contract is reducing troublesome of clerical procedures and saving the fund.
The lease contract under which "purchase of the leased article" or "renewal of the lease contract" can be selected at the expiration of leasing. Since the lease fee is calculated based on the price for the leased article to be purchased as residual value, the leased article can be used at the lower lease fee than ordinary finance lease.
The structure of this lease is as follows: Retailers (hereinafter vendors) undertake reception and contract of lease, etc. Vendors form a partnership with Sumitomo Mitsui Trust Panasonic Finance Co., Ltd. in advance to ensure prompt support for costumers' financing.
The scheme of this lease is as follows: Finance lease of information devices and commercial equipment (refrigerator freezer showcase, etc.) etc. and maintenance contract are combined to integrate the payment for lease fees and maintenance fees. Integrating various maintenance fees to be separately concluded with maintenance companies with lease fees reduces burden of clerical procedures assumed by you.
Finance related to environment
Finance menus supporting spread/expansion of various renewable energy, and energy efficiency are developed to contribute to conservation of global environment.
Lease contract under which Sumitomo Mitsui Trust Panasonic Finance Co., Ltd. rents land from the land owner by fixed term land lease right for business purposes, constructs a building for your use purpose, and leases the whole building to you. Since initial investment for building construction can be greatly saved, this lease is suitable for commercial buildings such as shopping centers and roadside shops in suburbs and distribution warehouses.
In this service, in the case of default of accounts receivable (accounts receivable/ notes receivable) against your retailers, Sumitomo Mitsui Trust Panasonic Finance Co., Ltd. makes payment instead of your retailers up to the guarantee limit.
Your accounts receivable (accounts receivable/ notes receivable) are transferred to Sumitomo Mitsui Trust Panasonic Finance Co., Ltd. to avoid collection risk due to bankruptcy of retailers and to ensure early realization of accounts receivable.
Deposit of security deposit/ guarantee deposit to move in
Service aiming to avoid illiquid fund and create cashflow by the method that Sumitomo Mitsui Trust Panasonic Finance Co., Ltd. deposits guarantee deposit to move in (including security deposit and cooperation money for construction) paid to the building owner instead of you to the building owner.
Sales finance provides service as follows: Sumitomo Mitsui Trust Panasonic Finance Co., Ltd. arranges tie-ups with various equipment manufacturers and retailers so that we as financial function provide various finance menus in order to promote sales of equipment of the various equipment manufacturers and retailers and achieve reduction of your financial burden.
Purchase/sale of used equipment
Japan Machinery Leasing and Sales Co., Ltd., an affiliated company of Sumitomo Mitsui Trust Panasonic Finance Co., Ltd. helps purchase, sale and search of used machine tools and used PCs in addition to articles whose lease contract is expired by utilizing knowhow accumulated from the start of the company.
Contract under which Sumitomo Mitsui Trust Panasonic Finance Co., Ltd. purchases machines/equipment, etc. you want to use and you make installment payment for the price of the article in the same way as lease. After the completion of the installment payment, the ownership of the article is transferred to you. (The ownership right is retained until the completion of the payment.)
Customers can use equipment and devices such as PCs and electronic measuring instruments by flexibly setting use period according to the necessary period for you. Since maintenance cost is low and maintenance and management is easy compared with purchase, you feel comfortable to use this service.
Finance for condominium associations
If you are considering large-scale repair work or strengthening of security, renewal of elevators of your apartment building, you can use our lease or loan services for various purposes.
Japanese Operating Lease
JOL (Japanese Operating Lease) is service under which you put money into lease business of airplanes, ships, containers, etc. (becoming an investor), take tax advantage to defer part of gross profits by recording profit and loss of the lease business into account settlement, and expect capital gain by selling the article at the end of the lease business. (* There is limit on deductible expenses for tax purpose.)
Sumitomo Mitsui Trust Panasonic Finance Co., Ltd. makes arrangement/forms partnership with NIPPON CAR SOLUTIONS CO., LTD. , a company dedicated to automobile lease, and proposes "automobile lease" schemes. If you are considering automobile lease, please let us know. Our sales representative introduces NIPPON CAR SOLUTIONS CO., LTD. to you.
Sumitomo Mitsui Trust Panasonic Finance Group (including affiliated companies) has business bases in two ASEAN countries (Singapore and Vietnam).
We provide finely-tuned support for your overseas expansion and equipment investment through proposals by the local business bases (Japanese staff) in addition to cross-border transactions from Japan.
Service for individuals
Home renovation loan
Service for house repair at the time of extension or reconstruction and earthquake resistant work to create comfortable living environment. In addition, we support various financial plans for "reform" such as purchase and replacement of household equipment and devices, energy saving equipment such as solar power systems and storage batteries.
Home renovation loan (plus refinance)
Refinancing of housing loan is available along with reform under consideration. Payment amount in the case of refinancing with Sumitomo Mitsui Trust Panasonic Finance Co., Ltd. is calculated based on the balance, payment amount, remaining period of your current housing loan. Please consider this service if you are using housing loan.
We issue the dedicated credit card which can be used at community-based electric appliance shops (Panasonic- affiliated shops) located across Japan to ensure your secure and convenient shopping and support life in the community.