Purchase Process
STEP 1
Personal Consultation
As a very first step, you need to know whether you're eligible to apply for a home loan and buy a home (condominium/detached home) in your desired area.
ARE YOU READY?
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STEP 2
HOME LOAN APPLICATION
After you found you're eligible, you will apply for a home loan. In case of normal bank home loans, you will apply for a pre-approval. When it comes to Flat35 home loan, you will apply for approval.
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STEP 3
HOME SEARCH
After you get a pre-approval or approval, you will search for the best property for you. We will help you home search with real estate information network service (REINS) .
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STEP 4
PURCHASE OFFER
After you decide a house to purchase, you will make an purchase offer.
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STEP 5
PURCHASE CONTRACT
After you made a purchase offer and it was accepted by the seller, you will make a purchase contract with the seller as we intermediate the transaction as a real estate agent.
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STEP 6
apply for approval
After you made a contract, you will get an approval from a bank. In case of Flat35, you will submit contract details to the agent and get an final answer.
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STEP 7
Address Transfer
After you got a final answer from a financial institution, you will transfer your address to the new address.
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STEP 8
Home Loan contract
After you transferred your address, you will make a home loan contract between financial institutions. At that time, you will be introduced insurances.
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STEP 9
HOME Explanation
After step 8, you will be given a detailed explanation about the house from seller.
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STEP 10
PAyment & TITLE TRANFER & KEY RECEIVE
Lastly, , you will make a payment at financial institutions. At that same time, the ownership will be transferred to you. As soon as completing the payment and title tranfer, you will receive a key for your new home.
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Eisuke KiuCHI
Real Estate Agent
Hi!
I Am Eisuke Kiuchi
With a mission to help those who cannot speak Japanese well but want to purchase a home in Japan.
Why Hanabusa Japan Real Estate ?
Realize your dreams with our foreigner friendly supports
English support
We offer most of the supports related to your newly built detached house purchase process in English.
HOME LOAN APPLICATION
What makes Hanabusa Inc. especial is we help foreigners and those who cannot use Japanese to apply for home loans for a home purchases in Tokyo, Saitama, Chiba, and Kanagawa.
SNS COMMUNICATION
In order to avoid interrupting your busy time and unclear communications, we use SNS (LINE, Facebook, Instagram, etc) to have clearer communications with our customers.
FAQ
What people want to know
I don't have a permanent.
Depending on your income size, period of your employment (how many years have you been employed by your current employer), downpayment you can prepare, your workplace, employment status, you can apply for a home loan in Japan.
I don't have a big income.
Your qualified spouse/child/parent can be a co-applicant to add up income in order to enlarge your home loan size.
How much is the monthly payment?
Please find the following sample calculations:
Tokyo 23 Wards
￥132,000 – 196,000/month
(avg. home price: ￥40M – ¥60M , estimated total: ￥43M – ￥64M, loan period: 35 years, rate: 1.5% fixed, down: ￥0)
Tokyo Other Cities
￥98,000 – 163,000/month
(avg. home price: ￥30M – ¥50M , estimated total: ￥32M – ￥53M, loan period: 35 years, rate: 1.5% fixed, down: ￥0)
Chiba Prefecture
￥66,000 – 132,000/month
(avg. home price: ￥20M – ¥40M , estimated total: ￥21.5M – ￥43M, loan period: 35 years, rate: 1.5% fixed, down: ￥0)
Kanagawa Prefecture
￥98,000 – 163,000/month
(avg. home price: ￥30M – ¥50M , estimated total: ￥32M – ￥53M, loan period: 35 years, rate: 1.5% fixed, down: ￥0)
Saitama Prefecture
￥98,000 – 163,000/month
(avg. home price: ￥30M – ¥50M , estimated total: ￥32M – ￥53M, loan period: 35 years, rate: 1.5% fixed, down: ￥0)
Total Cost
Basically full home loan programs covers all the costs related to your house purchase even our commission fees.
Formula to calculate our commission fee
(3% of home price +￥60,000)+TAX
How many months does it take to buy a house?
It usually takes 2-3 months to receive a key from step 1.
