If you really want to have own house in Japan, the most important is housing loan. Because it is the hardest loan in Japan, and also it is difficult for foreigers. I think you already understand this.
So 1st it is better to do housing loan examination. If you will do it, you can know the possibility that you have house. Everyone who buys a house in Japan always does it. I think it is the same as your country.
More simply, 1st, ” you just do 1st housing loan examination “
It is very simple.
If you will apply it, your planning will be started, and of course, if there is no house that you like, you do not have to buy a house.
Housing loan examination is 3 times in all.
| 1st Step
You just do 1st housing loan examination.
⇒①If 1st is OK, it is start to your house planning, and the possibility that you can buy a house is 50%
| 2nd Step
You will do 2nd housing loan examination after preparing the documents for 2nd.
⇒①If 2nd is OK, you will know the various conditions. and the possibility that you can buy a house is 80%
⇒② You can search for houses that you like and can look inside of the house. After that you will decide to buy a house.
⇒③ You will do reservation for a house that you decided and will contract it.
| 3rd Step
You will do 3rd housing loan examination after preparing the documents for 3rd.
⇒① If 3rd is OK, and the possibility that you can buy a house is 100%
1st housing loan examination is “preliminary examination” 事前審査. This is simple examination but if you do not apply, possibility that you can buy a house is 0%.
Most banks in Japan have severe conditions for foreigners living in Japan. However a few bank are kindly for foregner living in Japan.
In housing loan examination, 1st examination is OK, but 2nd is NG.
It is common.
So it is necessary to select banks that are kindly for foregner living in Japan.
If you will try to do housing loan examination, please check this contents.
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