You just do what you can do now.
Process
There are many process for owning a house but, you dont't have to worry about it. Now, you just do what you can do at each step.
The simple process going forward
The most important step to buying (owning) a house is getting approval for 2nd housing loan screening. 03 Approval.
00 Start
・1st screening and 1st meeting
01 Preparation
・Checking requirements
・Checking area and houses
・Requirements complete
・Submitting documents
02 2nd screening
・Bank check
・Start 2nd screening
03 Approval
・2nd approval
・House reservation
04 Contract
・House contract
05 Bank interview
・Bank interview
06 Last meeting
・Last meeting
The main reason
If 2nd screening is not approved, you cannot reserve the house you want.
If you cannot reserve, you cannot make a contract. So you cannot proceed to the next step.
Popular houses (houses with good conditions such as area and price, etc) are wanted by many people.
If there are multiple people who want to buy the house, the house owner will give priority to the person who is approved for 2nd screening first.
This is why it is better to get 2nd screening approved as soon as possible.
For that approval
For that, you need to prepare and submit all of requirements as early as possible.
There are more than 1st screening and, vary depending on your situation.
So, it need to check requirements for 2nd in detail according to your situation.
Important points for 2nd screening
The following points are especially important.
1️⃣ Accurate current loans
2️⃣ Loan history until now
3️⃣ Accurate annual income
4️⃣ Accurate situation
1️⃣2️⃣ are important factor for 2nd approval.
1️⃣ / Current loans include credit card installment payments and revolving payments.
The bank knows everything about your loans. Even though they know, they ask you to report it.
If you report something differently, you will lose trust in the bank. So, you must accurately report your current loans
Summary
Houses in good condition are popular. This is the same not only for you but also for others.
If there are several people who want to buy the house, the house owner will give priority to those who have been approved for 2nd screening.
For that reason, it is better to get 2nd screening approval from the bank as soon as possible.
For that approval,
1️⃣ Prepare requirements for 2nd screening
2️⃣ Submit them and wait for approval for it
After 1st screening approval,
it is best to focus on these 2 points.
2nd screening requirements
If you will want to do, please ask
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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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