GUIA DESIGN OFFICE
If you really want to your own house,
you had better to think about houjing loan that fits you.
If you understand the possibility money that bank lends you a housing loan, you can really serach for your favorite house.
Housing loan is most difficult loan in Japan. Especially it is very difficult for foreigners. It is completely different from other loans(car or cash and credit card) It must apply to the following contents.
Basic bank requirement
A. Basic standard
1. Japanese or Permanent residence visa
2. Employment form is only regular employee(Seishain) not apply to Keiykushain or hakenshain and jiei
3. Length of service is more than 3 years
4. Yearly income is more than 400man
(total with partner is also possible)
B. Important standard
5. You do not have a loan
(car,credit card ribo,etc…all loans)
6. You do not have experienced a delay in loan payment. (last 7 years )
(mobile phone,credit card, etc…all loans)
7. Japanese ability is more than 70%
(also writing, Kanji, Katakana, Hiragana)
If you do not apply to No.1-No.3, most bank do not lend you a housing loan.
Regular employee is direct employment.The company that you receive salary and the company that you are working is same.
C. Incidental standard
8. Age is under 40
9. Saving money is more than 100 man
10. Borrowing amount 20 million or less
※exception / your yearly income is more than 700 man(total)
If you apply to all the above contents, there are no problems. However, If not, you will have to check the possibility if bank lends you a housing loan. At the same time, you will have to find the applicable bank that fits you, and negotiate that bank.
Bank decides your house planning. It is bank examination of housing loan.There are 3 bank examination in all.The first among them is preliminary examination. If you do not make a bank preliminary examination of housing loan, your house planning will not make any progress at all.Because you do not understand the possibility money that bank lends you a housing loan.
That's why you had better to think about houjing loan that fits you.
Could you please also read the following contents?
Simple check the housing loan
Detail check the housing loan.