After the contract is over, the next step is a bank interview. The interview date, interview location are decided, and you will prepare requirements for the interview.
📃Requirements for bank interview
1️⃣ Certificate of payment "Kansai shomeisho"
2️⃣ New resident card "Jyuminhyo" ×3
3️⃣ New seal certificate "Inkanshomeisho" ×3
4️⃣ Passbook
5️⃣ Inkan
6️⃣ Stamp fee
7️⃣ Contract documents
8️⃣ Various identification cards "Zairyu card" etc
Notes on requirements
1️⃣ Certificate of payment "Kansai shomeisho"
If you have condition with certificate of payment, please bring the original of it and the receipt that you paid.
2️⃣ New resident card "Jyuminhyo"
3️⃣ New seal certificate "Inkanshomeisho"
Please bring resident card "Jyuminhyo" and seal certificate "Inkanshomeisho" for new address. Therefore, you have to change your current address to new address at the city hall at least 3 days before bank interview.
If the address you are moving to isn’t in the same municipality, 1st you have to go to the city hall of your current municipality and submit a notification of moving out "Tenshutu todoke", then go to the municipality of your new address.
4️⃣Passbook
This is a passbook for monthly payments. There is no problem with the passbook you normally use. May be specified by some banks.
5️⃣Inkan
If the seal certificate "Inkanshomei inkan" and the seal on the passbook "Giko inkan" are different, you have to bring both.
6️⃣Stamp fee
It depends on the content of the loan , but it is generally 20,000 to 25,000 yen.
Notes when changing address
1️⃣Person in charge of city hall may ask you when you will go to city hall.
"When is your address moved?"
→Your answer is "Today"
Today is the day that you will go to city hall. Because if you tell him/her 2weeks later, he/ she tell you "If so, please come again after 2 weeks later"
This is not good. If that, you don't get new address "Jyuminhyo and Inkanshoumeisho" So if they ask you that, please tell them "Today"
2️⃣Also, they may ask you again.
"Do you have anything to prove ?"
→Your answer is "This documents"
This documents are house contract documents that you contracted. So, please bring it at city hall.
📃Important point for bank interview
It takes about 2-2.5 hours. Person in charge of bank will explain the contents of the document. I think there are difficult words as like contract.
However this time, bank will also check your Japanese conversation. If your answer will be not good, bank questions will be more difficult.
Therefore, even if the content is somewhat difficult, please try to "appear to understand" as much as possible.
You don't get too nervous. Please relax as much as possible. If so, I think there is no problem. As with the contract, I will explain the unclear points later in an easy-to-understand manner.
I will tell bank about you in advance. So I think they will try to explain it as easily as possible.
📃Difficult content
Still, there is one difficult content.
It's about early repayment=advance payment, "Kuriage hensai".
It means paying off a loan early. This time, you have a 35 years housing loan. However, there are ways to shorten that period. Here is an explanation about it.
I will explain about it in an easy-to-understand manner too when bank interview. So you don't have to worry about.
How to inquiry
If you want to ask in detail,
facebook messenger m.me/guiadesignoffice
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