If you have a loan, there are often conditions for approval when the main examination is approved.
Certificate of completion
The condition is to get a certificate of completion of the loan you have now. The name is " Kansai shoumeisho" = certificate of completion.
You will receive it from your loan company once you have paid loan balance.
It is certificate that there is no loan balance.
That means you will need to pay loan balance to get it.
Loan with possible conditions
Be especially careful with the following loans.
1️⃣ Car loan
2️⃣ Cash loan
3️⃣ Credit card installment payments,
revolving payments
4️⃣ Others
It is a condition of approval, so you must pay these loan balances in order to be approved.
Of course, You cannot borrow more on housing loan to repay your loan balances.
You must pay loan balances.
How to get
How to get a certificate of completion = "Kansai shomeisho" is as follows
1️⃣ Check balance and transfer account
2️⃣ Pay loan balances
3️⃣ Get a certificate of completion
4️⃣ Submit it to the bank
1st, please contact your loan company by phone or email to confirm loan balances.
Next, if you know it, please pay loan balances on the specified date and transfer account.
Then, the loan company will send you a certificate of completion within 10-14 days after payment.
If you get it, please submit it to the bank.
⚠️Please check
The owner always check this on contract date.
Therefore, it is better to prepare to get a completion certificate as soon as once contract date is decided.
For car loans
If the certificate of completion is for a car loan, there are many cases where the balance cannot be paid. In that case, there is a way to sell the car and pay off the loan balance.
Proceed as follows
1️⃣ Consideration of sale
2️⃣ Sell
3️⃣ Get a certificate of completion
1st, please get estimates from several car buying companies. If you check the price, please sell your car at the best price company.
The company will negotiate directly with the loan company. Therefore, you don't have to negotiate with the loan company.
After the sale, all you have to do is wait and the loan company will send you a certificate of completion.
If you sell a car with loan balance, I think it's better to ask a car shop = buying company to sell it.
After selling the car
If you buy a car again after housing loan examination finished, it won't affect your car loan. So you don't have to worry about it.
Also, if possible, I think it would be best to get a housing loan first, then a car loan.
⚠️Please check
If you will want to do, please ask
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