Property Buying Guide
STEP6
Home loan application
Applying for a loan can be a little stressful, so please feel free to contact us. Our experienced staff will introduce you to the loan that best suits you. The preliminary screening to find out the amount you can borrow can be completed in as little as one day, and the results will be available.
Home loans can be broadly divided into "public loans" and "private loans." The place where you apply will depend on your eligibility requirements, the type of home you want to acquire, and the institution selling the home, as well as your preferences. You will need to gather all the necessary documents yourself, but Century 21 BS Home staff will provide detailed support, such as explaining how to apply and helping you with the procedures.
Types of mortgages
●Private financial institution housing loansPrivate housing loans are housing loans offered by private financial institutions such as banks, credit unions, life insurance companies, non-banks, and credit companies. The lending conditions, such as interest rates, loan limits, and repayment methods, vary from one institution to another.
●Flat 35 (Japan Housing Finance Agency)
The Japan Housing Finance Agency and private financial institutions have partnered to provide long-term fixed-rate housing loans (fixed interest rates for the entire term).
This is a housing loan for people who have savings accounts at their workplace.