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Process

最終更新: 4月28日

How to have your own house in Japan and how to find your favorite house.

The most important thing

in your house planning is housing loan examination


The reason is simple.

・You can’t think of houses without knowing how much bank lends you.


・And also housing loan examination is very difficult for Japanese, especially for foreigners.


If you know how much the bank will lend you housing loan, you can think and find of houses. This is a matter of course.


However, housing loan examination is different from other loan examination.


Cars, cell phones, air conditioner etc ..

these are very easy examination. Anyone can apply them.

3 times

Housing loan examination is 3 times in all. 1st is simple but, 2nd is detail.


And 1st is OK but, 2nd is often NG. It is very strict loan for Japanese, especially for foreigners.


So if you really want to have your own house and want to find your favorite house, you should know how much the bank lends you housing loan.

The examination process


1st examination / simple and easy

⇒If 1st is OK,  it is start to your house planning. The possiblity that you can have your own house is 50%

2nd examination / detail and difficult

⇒If 2nd is OK, you will know the various conditions.The possiblity that you can have your own house is 80%


1st is OK but, 2nd is often NG. 2nd is very important. If you will pass 2nd examination, you can find your favorite house.

3rd examination

⇒If 3rd is OK, your possiblity is 100%

Summary

If you really want to have your own house, most important is housing loan examination. Becouse,


1. you can’t think of houses without knowing how much bank lends you.


2. It is very difficult examination for Japanese, especially for foreigners.


3. And, it is 3 times in all.

1st is OK but, 2nd is often NG.




Next, about how to do and requirements.