Masashi Kanei

Plans, designs, constructs, and markets residential buildings

Develops properties and constructs residential buildings and single family homes

Manages and operates a number of hotels and resorts and engages in real estate brokerage and leasing

Builds homes

Manufactures glued laminated timber and pre-cut timber

Founded in 2000, Family Life Service KK operates as a banking agent for Sumishin SBI Net Bank, specializing in housing loan services. The company is based in Tokyo, Japan. The Japanese company offers a broad portfolio of mortgage products, including fixed-rate loans such as "Flat 35," "Flat 20," "Flat 50," and "Flat 35 Guarantee Type U-80/U-90," as well as variable-rate loans and refinancing options. These products feature long-term fixed interest rates up to 50 years, flexible repayment plans, and eligibility for freelancers, part-time workers, and various employment statuses. Specialized loans include the "Bridge Loan (Arch)" for short-term construction financing and "Assist 35," which can be combined with Flat 35 loans to finance up to 100% of housing purchase costs. Many loans offer interest rate reductions based on factors like down payment size, family composition, housing performance, and regional cooperation, with optional group credit life insurance plans. The company provides digital services such as the "Easy Housing Loan" app and online application processes, supporting borrowers with guides, repayment simulations, product diagnostics, FAQs, and consultation services. Family Life Service operates under appropriate financial licenses, is registered with the Kanto Finance Bureau, and is a member of the Japan Financial Services Association. The company does not directly handle customer funds but mediates contracts related to deposits and loans on behalf of the bank.