Good morning. This is まさきん.
While browsing through Rakuten Group’s partner campaign announcements, I came across a notice that caught my eye: a perk that combines the Flat 35 home loan with Rakuten Points. As a marketer, I found the mechanics genuinely interesting, so I decided to break it down.
What Kind of Partnership Is This?
This new perk comes from a partnership between the Japan Housing Finance Agency and Rakuten Group. It’s called “Flat Sumai-ru Point.”
It applies to Flat 35, the home loan with a fixed interest rate for the entire loan term. Flat 20 and Flat 50 are also covered.
The loan disbursement date needs to be on or after October 1, 2026, to qualify. On top of that, registering a Rakuten ID also appears to be a prerequisite.
The Perks Come in Four Main Types
The perks break down into four main categories. The first is the “Thank You for Using Us” bonus. Rakuten Points are awarded based on your Flat 35 loan amount.
The point-back is split into seven tiers. Loans under 5 million yen earn 2,000 points, while loans of 80 million yen or more earn up to 150,000 points. Loans in the 10 million yen range earn 20,000 points, and loans in the 40 million yen range earn 70,000 points.
The second is the “Childbirth” bonus. If you have a child after taking out the loan, you get 20,000 points per child. As a father of four, I found this one quietly hard to ignore.
The third is the survey-response bonus. Answer surveys that arrive periodically, and you get Rakuten Points as a reward. The fourth is the Rakuten Kakeibo Premium plan, where you can get either a year of free use or a point-back.
Personally, I can’t easily move around an amount as large as a home loan. But reviewing your phone bill is a different story entirely — that’s something I can chip away at, point by point.
You can also sign up for Rakuten Mobile through my referral. If you switch while keeping your current phone number, you’ll get up to 14,000 points. If you’re curious, be sure to check it out.
Clicking this opens the Rakuten login page. Once you log in, you’ll see the campaign details.
A Few Things That Tripped Me Up
First, the points don’t arrive automatically. Each perk requires its own application process.
The “Thank You for Using Us” bonus requires you to apply within six months of the loan disbursement date. The childbirth bonus has the same six-month deadline, counted from the child’s date of birth.
One more thing to watch out for: if you’re using the Purchase Type loan scheme, you’ll apparently also need to register for an ID called “Sumai-My Note,” on top of your Rakuten ID.
It’s also stated that the campaign may end early once the budget cap is reached. If you’re interested, it’s probably worth gathering information sooner rather than later.
What to Check Before You Apply
First, it’s worth confirming that your loan disbursement date is on or after October 1, 2026. Registering your Rakuten ID ahead of time will also give you peace of mind. If you’re considering the Purchase Type, it’s a good idea to have your Sumai-My Note ID ready as well. The points you receive are valid for one year, counting from the month you last earned points.
Because a home loan involves such a large amount, it’s easy to worry about overlooking a condition. For households already considering Flat 35, this partnership might have arrived at just the right time.
Wrap-Up
Flat Sumai-ru Point is a new perk born from the partnership between the Japan Housing Finance Agency and Rakuten Group. It’s designed to give you up to 150,000 points depending on your loan amount.
Add in the childbirth bonus and the survey bonus, and the effect on your household finances could end up quietly significant.
Conditions and details are subject to change. If you’re considering applying, be sure to check the official website first.
Even if it’s not as big a decision as a home loan, reviewing your phone bill is something you can start today. Switching to Rakuten Mobile gets you up to 14,000 points. If you haven’t already, be sure to check this out too.
Clicking this opens the Rakuten login page. Once you log in, you’ll see the campaign details.
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