How to have your own house in Japan.

I will explain how to have your own house in Japan.

The first thing to think is to check housing loan.

Becouse bank examination of housing loan is very difficult in Japan. It is difficult for Japanese, aiso especially for foreigners.

So, first you have to think about housing loan. All banks have various requirements. You will have to apply them.


Introduction stage

1. You will check yourself

2. Based on them, I will investigate housing loan that fits you.

3. You will make a bank preliminary examination of housing loan.

Bank examination of housing loan is 3 times in all. If you will not do it, your house planning will not make any progress.

First stage

If you will apply to bank bank preliminary examination of housing loan, it will be begining.

1. OK(50%OK)Start  

<first bank examination>

2. We "you and I" will prepare for bank main examination and we have to make a preliminary examination of another bank.

Becouse preliminary is OK,

main is NG, it is common.

Main <second> examination is more difficult than first.

At the same time, based on bank preliminary examination, we will search house in earnes and we will look inside the house and a lot that you got interest.

This is the first stage.

So, again,if you will not make a bank examination of housing loan, your house planning will not make any progress.

Second stage

<most important part>

3. Bank main examination

<second bank examination>

We will go to the bank with all the necessary documents. If this is not permitted, the owner will not sell the house.

So, If it approaches the approval of the main examination, we will make a reservation to the house.

However, at this time many reservations may be included.

So we will have to do No.3 as soon as possible.

4. OK(80%OK) 

You decide to buy the house.

5. You contract the house.

<real estate contract>

Third stage

6. Last bank examination

<third bank examination>

7. OK(100%OK)

8. Bank contract

9. Goal achievement

<you can buy the house>

As above,

if you really want to have your own house, you will have to make a bank examination of housing loan.

Becouse you will know it, you will serch the house that you like.

Could you please check yourself?


Please make your dreams come true. I will advice you. thank you.