In Japan, if you want something, you can buy it. Cars, cell phones, air conditioner...you can buy them on a loan without cash.
Anyone can apply those loans in Japan. Those loans are a very simple examination. So you can buy what you want.
However housing loans are different. Even Japanese are difficult. Especially it is more difficult for foreigners.
So if you really want a house in Japan, above all you have to do housing loan examination. Because you can not buy a house without money.
That is natural.
So it is important that you will try to do housing loan examination.
Or,
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