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2024/1/21 Article

What to expect when you use a loan


Hello, this is Mitsui Fudosan Realty.
In this article, we will explain what to expect when you use a loan.

As a general rule, the prerequisite for both housing loans and investment loans is that the loan applicant resides in Japan.

In the case of a housing loan, the following additional factors are important:
-How long have you lived in Japan?
-How many years have you been working in Japan? (If you have changed jobs recently, it must have been at least one year since you changed jobs.)
-Do you have permanent residency?
-How well do you understand Japanese?

For investment loans, the following factors are also important:
-How old is the property?
-Where is the property located?
-Is it a whole apartment building or a condominium unit that you would like to purchase?
-How much rental income can you expect?

All of these factors, although not all of them need to be met, will have an impact on the loan assessment.

For individual consultation, please contact our staff.