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Housing loan examination if you don’t have permanent residence.

更新日:7月30日

It is possible to do housing loan examination without permanent residence. However the requirements are very strict.

Basic requirements for examination

① Permanent residence in Japan (duration of residence)

② Amount of down payment

③ Employment form and place of employment

④ Japanese ability

If you don't meet this condition, you will not be able to do housing loan examination itself.


① Permanent residence in Japan (duration of residence)

・ You have been working for the same company for more than 3 years.


・ You have lived in the same house for more than 3 years.


・ You have been in Japan for more than 5 years.


② Amount of down payment

You must have a down payment of at least 20% of the house you plan to purchase. In the case of a house of 2,000 man yen, it will be over 400 man yen.


③ Employment form and place of employment

Employment form is only full-time employees, "seishain". Contract employees,"keiyaku shain" and dispatched employees, "haken shain" are not applicable. If you are self-employed "Jiei gyo", you will need 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.


④ Japanese ability

You will need the ability to read and write "kanji" as well as "katakana" and "hiragana".

Summary

・ You have been working for the same company for more than 3 years.

・ You have lived in the same house for more than 3 years.

・ You have been in Japan for more than 5 years.

・ A down payment of 20% or more of the house you plan to purchase is required.

・ Employment form is only for regular employees, "seishain"


※ If you are self-employed "Jiei", it is a requirement that the income and expenditure report for the past 3 years and that, there is no unpaid all tax "all zaikin" and pension "nenkin".


・ Ability to read and write Japanese kanji

In fact, it's a very stringent requirement. In order to do housing loan examination, you must apply all these requirements.

However it is just requirements for housing loan examination. Whether you pass it or not is another matter.

If you don't apply the above, you will have to wait until you will apply or you will have to do housing loan examination after getting permanent residence.



If you want to know more information, please check this.


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