There are several housing loans for foreigners.
General bank requirements
There are some important requirements when you will do housing loan screening for foreigners.
1️⃣ Permanent residence or Japanese nationality
2️⃣ Japanese reading comprehension
( Not only Hiragana,Katakana, but also kanji )
3️⃣ Regular employee "Sei shain"
You cannot apply to a general bank without these requirements. However, there are banks where you can apply without these requirements.
They are FLAT 35 and AEON bank. So those banks are banks for foreigners.
Screening level
If you check the table below, I think you know FLAT 35 and AEON bank level are not strict.
FLAT 35 and AEON bank 1st screening level is almost the same. AEON Bank can conduct screening on the Internet. So 1st, it is better to do AEON Bank 1st screening.
Both of 2nd screening levels are difficult, but AEON Bank is more difficult than FLAT 35.
So this is better,
1️⃣ AEON bank 1st → 2️⃣ FLAT 35 1st and 2nd → 3️⃣ AEON bank 2nd, (according to2️⃣situation)
Most foreigners borrow housing loans from FLAT 35. Because AEON bank is difficult.
So it is better to concentrate on the FLAT 35 screening.
Flat 35
Flat 35 is not Bank. It is the name of a housing loan product of the Japan Housing Finance Agency, a policy-based financial institution in Japan. The Japan Housing Finance Agency will make a screening your application and lend you a housing loan.
Japan Housing Finance Agency
"Jyutaku Kinyu Shien Kiko"
Japanese policy financial institution. They will review and give you a housing loan. However before that, specialized financial institution will check.
Specialized financial institution
They will be the point of contact between you and Japan Housing Finance Agency.Representative specialized financial institution are as follows.
The difficulty of the screening differs depending on the window. So we will advise you on the window that best suits your situation.
ARUHI
Depending on the situation, it may be difficult to get approval even for Flat 35, or the interest rate may be higher.
In that case, we recommend ARUHI, one of the flat 35 financial institutions.
ARUHI has its own housing loans other than Flat 35. Depending on your screening situation, we will suggest which examination is better for you.
How to inquiry
If you want to ask in detail,
facebook messenger m.me/guiadesignoffice
Emai address consult@guiadesign.com
This site www.guiadesign.com/dream
Please feel free to contact us.
🇯🇵 A national qualified expert try to give you
advice that suits your current situation.
GUIA DESIDN OFFICE
Ibaraki Association of Architectural Firms
B5464 0309
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