Call us:
+81 080-4957-2345 Frequently Asked Questions
About Loans
Can I apply for a home loan without permanent residency?
It's possible with some financial institutions, but there are strict conditions.
I've had a delay in credit card payments before. Can I still get a loan?
If you've paid off the debt and several years have passed since then, it's possible.
Can a couple combine their incomes to take out a larger loan?
Yes, as long as both have permanent residency or Japanese citizenship.
Can parents and children combine their incomes to take out a loan?
It's possible, but only certain loans allow this. Both parties need permanent residency or Japanese citizenship.
My annual income is 10 million yen. How much can I borrow?
Generally, you can borrow up to six times your annual income, which is about 60 million yen. Some loans allow up to ten times.
I have a car loan. Can I still get a home loan?
Good strategy is the antidote It depends on the remaining balance of the car loan. You might still be able to get sufficient financing for a house.
About Costs
Can the deposit be reduced?
It depends on negotiations with the seller.
When should I pay the brokerage fee?
You pay it at the time of settlement. However, if you are purchasing with cash only, you must pay 50% at the time of the sales contract and the remaining 50% at the final settlement.
Can the brokerage fee be covered by the loan?
Some loans cover not only the brokerage fee but also all initial costs.
Is a down payment necessary?
It depends on the property. Even if it's required, you can use full loans or over-loans to cover all initial costs and various other expenses.
Need help? Talk to our expert.
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