RetireJapan

So the requirements are set by the government? I did not know that! I thought each banks had their own level of safety so it was a bit of struggle calling them one by one to confirm.I should have posted here earlier. Only for Flat 35, as it is a government program for providing affordable loans for...

I have heard Suruga Bank may be more lenient, both towards non-PR holders (my original case) as well as people seeking a second mortgage to buy real estate. All at a higher interest rate though. Not sure if they are willing to take other income sources into account. I originally got my mortgage wit...

It seems like the best way to proceed then. I'll look into the PR application process. Thanks again! If you decide to build, then choosing a builder and finding a land will probably take longer than obtaining PR, so you won't have to waste time waiting anyway. As for Flat35, it shouldn't matter whi...

Never heard of them, I will give them a call and ask then!

It seems like the best way to proceed then.
I'll look into the PR application process.
Thanks again!

Thank you for the reply! I figured getting PR might be difficult since I have not been in Japan for 10+ years and only married last year. When I contacted Shinsei bank and Prestia they mostly had an issue with counting my side income in the total income even when I explained the sources in details. ...

Oh my bad I meant 60-80M yen :p

Hello everyone! As the titles states, I'm looking to get a home loan at a Japanese bank but I'm struggling with the screening process. I'm currently a full time employee (2 years a my current job) but I also have 2 other income sources, digital product sales and consulting/freelance gig. I tried con...

Hello everyone! I have recently stumbled upon a topic about leverage/CFD (Contract for Differences) and how some brokerage set you automatically to x2 leverage and CFD.My current broker is Rakuten and I was wondering what were the rules in this case.. It seems like most "basic" investment ...

I followed your advice and there was actually an inbox in which I had a notice for the payment!
I just directly paid it by credit card since the fee was only 300yen.

Thanks a lot for your help I can I relax now!