The requirements are very difficult.
Requirements
1️⃣ Self-funded <At least over 2 million>
2️⃣ Status of residence with no restrictions on employment
3️⃣ Full-time employee " Sei shain " with more than 1 year of service
4️⃣ Japanese ability (able to read and write Japanese, including kanji)
5️⃣ Ohers
If you don't match all 1️⃣-4️⃣ condition, you will not be able to do housing loan examination itself.
1️⃣ Self-funded
It will be a very important factor in the exami-nation. You need to prepare 20% of the total home purchase amount of your own funds. <At least 2 million, 200 man>
In the case of a house of 2,000 man yen, it will be over 400 man yen.
2️⃣ Status of residence
Status of residence with no restrictions on employment (other than permanent resident)
✅ Japanese spouse, etc. “Nihonjin no Haigyusha”
✅ Permanent resident spouse, etc. “Eijyusha no Haigyusha”
✅ Long-term resident (no restrictions) "Teijyusha"
Statuses of residence other than the above (long-term residents with restrictions, etc.) don't match conditions for examination.
3️⃣ Employment form
Employment form is only full-time employees, "seishain" with more than 1 year of service.
Contract employees,"keiyaku shain" and temporay employees, "haken shain" are not applicable.
If you are self-employed "Jiei gyo", you will need to prepare a lot of conditions and documents.
Even Japanese people who are self-employed very strict examination in order to be applicable.
Especially foreigners, the requirements are even more strict.
4️⃣ Japanese ability
You must be able to read and write not only katakana and hiragana, but also regular Japanese sentences (including kanji).
5️⃣ Ohers
Depending on your situation, you may need to prepare other documents as necessary.
Summary
If you don't have permanent residence, there are many conditions for the housing loan ex. In order to do it, you must apply all these requirements.
However it is just condtions for housing loan ex. Whether you pass it or not is another matter.
If you don't match the above conditions, it is better to find your relative, parents or children who have permanent residence.
Or, it is better you will wait until you will get conditions, or get permanent residence.
How to inquiry
If you want to ask in detail,
facebook messenger m.me/guiadesignoffice
Emai address consult@guiadesign.com
This site www.guiadesign.com/dream
Please feel free to contact us.
🇯🇵 A national qualified expert try to give you
advice that suits your current situation.
GUIA DESIDN OFFICE
Ibaraki Association of Architectural Firms
B5464 0309
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