How to get a housing loan in Japan for foreign residents
If you are looking to buy a property in Fukuoka Prefecture Japan, more specifically the greater Kitakyushu, Onga, Nakama, Nogata, Iizuka, Kurate, Miyawaka, Yukuhashi, Tagawa areas, MIKAWA REAL ESTATE can help. Mikawa is based in Yahata Nishiku Kitakyushu. They have dealt with all the banks and can advise you as to which bank would be best suited for you and which banks you would have the best chance of securing a home loan from.
Some key points to keep in mind. You'll want to have permanent residency or citizenship. It is possible to buy a house without these, but you'll need to do so as a company. Also, you'll want to be sure you have been declaring your income and paying your income taxes. Ensure your company is doing this as well. Having more than two years worth of the so called "gensenchoushuuhou", which is a tax certificate slip, or statement of earnings and taxed income statement is pretty much a must. Those who are self employed or independently employed will especially need to have more than two years worth of these to qualify.
To simplify things, it is probably best for you to make an appointment with a real estate company such as Mikawa and see what your options are. A lot goes into buying a house, condominium, or land so you'll want to be prepared. Don't worry about being a "foreigner" paperwork isn't that much voluminous than it is for native residents of Japan.
Contact Matt @ Mikawa in English --- His details can be found at the site listed below
http://www.fudosan-mikawa.com/p/staff.html
