Search found 17 matches

by JaviLM
Thu Nov 16, 2023 5:00 pm
Forum: General
Topic: Implications of temporarily moving to the USA?
Replies: 4
Views: 2464

Re: Implications of temporarily moving to the USA?

Hi Ben! The good news is that being transferred abroad by a Japanese company for a specific amount of time is something that banks are familiar with and are often willing to work with. You will need to check with your bank, but 1. keeping house and paying loan should be completely fine. If your bank...
by JaviLM
Wed Nov 15, 2023 5:05 pm
Forum: General
Topic: Implications of temporarily moving to the USA?
Replies: 4
Views: 2464

Implications of temporarily moving to the USA?

Hi all, I may have the chance to temporarily move to the USA, and I'd like to know about the implications: My situation: - Permanent resident in Japan. 20+ years living here. Single. Don't have Japanese nationality (yet). - Own a house in Saitama, paid with a Flat35 loan. Still have 20+ years left t...
by JaviLM
Fri May 28, 2021 6:37 am
Forum: Taxes
Topic: Car tax
Replies: 9
Views: 1424

Re: Car tax

Your amounts sound too high compared to what I just paid for mine. I just paid 9,000 yen about a week ago. However, the car is new (I bought it last October) and is a very common and average Toyota hybrid. Is my tax this low because it's a hybrid, because I'm paying only for the few months I've had ...
by JaviLM
Fri May 28, 2021 6:33 am
Forum: Taxes
Topic: Japanese Income Tax Refund -- When?
Replies: 12
Views: 1692

Re: Japanese Income Tax Refund -- When?

I came to check here because I'm in the same situation. My accountant submitted the tax returns via e-Tax on March 15th, and I was expecting to receive it in mid-April like other years. We're almost in June and I haven't received anything yet.
by JaviLM
Mon May 18, 2020 2:17 am
Forum: Real Estate
Topic: Jisedai Jutaku Points
Replies: 2
Views: 2958

Re: Jisedai Jutaku Points

Thanks, I was already able to contact them on the phone (took me three days!) and ask all the information I needed. Yes, as you correctly say I would have to use these points before September 30th. I was hoping to use them to buy some of the expensive items (fridge, washing machine...), but since my...
by JaviLM
Tue May 05, 2020 1:41 pm
Forum: Real Estate
Topic: Jisedai Jutaku Points
Replies: 2
Views: 2958

Jisedai Jutaku Points

Hi all, Last year I bought a piece of land in Saitama and after spending several months designing the house with the architects (it's a 注文住宅) construction started in March. Last week I received a letter from the 次世代住宅ポイント事務局, which I assume is a kind of government organization. If I understood corre...
by JaviLM
Fri Aug 23, 2019 4:38 am
Forum: General
Topic: Car owning expenses?
Replies: 12
Views: 3902

Car owning expenses?

Hi all, I'm considering whether I can afford to buy a small car, but I'm completely clueless about the costs involved here in Japan. Besides the obvious (the cost of the car itself, gas, road tolls and parking), what other costs should I consider? I know that at the very least I will need to pay for...
by JaviLM
Tue Jun 18, 2019 4:26 pm
Forum: Real Estate
Topic: Question on house loan
Replies: 30
Views: 12325

Re: Question on house loan

Our bank (all banks?) also has protection built into the floating rate. It can't go up by more than 25% every five years, so it is much less risky than a true floating rate based on interest rates. This is very interesting. Let me confirm whether I understood this correctly. This is a screenshot fr...
by JaviLM
Mon Jun 03, 2019 3:58 am
Forum: iDeCo
Topic: ¥68,000?
Replies: 19
Views: 8918

Re: ¥68,000?

Sybil wrote: Mon Jun 03, 2019 1:31 am You should pay 67,000 yen a month max so you can join the government pension top-up scheme (400 yen a month).
Can you explain what this pension top-up scheme is?
by JaviLM
Mon Jun 03, 2019 3:26 am
Forum: General
Topic: Reducing fixed expenses challenge
Replies: 28
Views: 8468

Re: Reducing fixed expenses challenge

You may find it worth it to pay the penalty to cancel your current contract: I had 3-4 months left and I still saved money after paying the penalties :) Softbank charges 10.000 yen to cancel the contract if you cancel outside your "renewal month". I switched to AEON Mobile a few weeks ago...