I think you already understand,
"The 1st thing to think about your housing plan in Japan." is,
【money=housing loan.】
Because,
1.It is the hardest loan in Japan, and also it is difficult for foreigers.
2.You can not choose a house without knowing your budget【money】
So more simply,
【1st, you just do housing loan examination】
It is very simple.
If you will do it, you can know the possibility that you have house. And if you will apply it, "when there is no house that you like", You do not have to buy a house.
I think it is the same as your country.
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