The maximum age of Japanese government bonds loans is no more than 65, so loans can be made at the age of 60, but the repayment period can only be five years at most.
2. Can China people borrow money to buy a house in Japan?
Yes, as long as you are 20 years old, you are eligible to buy it, and the tax is not bad with the Japanese.
If you invest in Japanese real estate, you don't need a long-term visa in Japan, and it doesn't matter if you are not in Japan. No matter where you are in the world, you can operate completely online, and then you can become the landlord of Japanese real estate forever. As for the property information, you can find it on the official website of the Japanese Legal Affairs Bureau. In other words, you don't have to pay extra transportation fees, and your income will not be affected because you are not Japanese, so you can make every penny worth it. The whole operation information and process are in this link: consulting the process of buying a house in Japan
In foreign countries, many people worry that buying a house will be cheated. What are the specific steps to buy a house? What doorways and risks are hidden behind this? Let's take a look at this article and find out: 5 things you must know to invest in Japanese real estate.
If you decide to invest in Japanese real estate, there are several points to be clarified:
When buying a house in Tokyo, you must do a good job in choosing a house.
If you want to buy a house in Tokyo, you must not just look at the lot without looking at others, because there are no vacant rooms recently and there are no properties troubled by vacant rooms, so most people can't tell the quality of a house. If you want to choose a good house, you must first set your own investment standards. Such as purchase price, rate of return, geographical location, distance to the station, total number of households, management fee, maintenance reserve amount, etc. The finer these standards are, the greater the probability of finding high-quality real estate.
It should be noted that the "surface rate of return" is not a real return.
The apparent rate of return mentioned here is actually the approximate income before deducting the cost, which is what we often say in China. In fact, some intermediaries will tell customers a "surface rate of return" as high as 10%. Don't believe it. The cost of buying a house in Japan also includes various expenses such as property tax, plus monthly repair fees and property fees, which will probably cut off the income of 1%-2.5%.
Pay attention to whether Japan's housing prices are artificially high.
Pay attention to whether the house you buy is higher than the surrounding house price. In Tokyo, there will be scenes of disorderly reporting of housing prices. You can learn more about the surrounding housing prices and compare the prices before buying a house. There are many ways to compare prices. If it is the first time to invest in Japanese real estate, it is recommended to invite professionals to avoid falling into the pit.
Investing in buying a house in Tokyo, not buying a new house.
In Tokyo, the price of new houses is more than double that of second-hand houses, and a large number of Japanese people give up new houses on the basis of buying second-hand houses. If someone knows that you seem to be just investing, they will simply recommend you to buy a new house in Tokyo. Don't be cheated.
Of course, the above content is also our experience based on some common situations. If you have products and preferences that you want to invest in, my consultation here has always opened the door for you to consult Japanese real estate investment for free.
3. Can I get a loan to buy a house in Japan?
You can borrow money. However, houses in Japan are very expensive. And as far as I know, most young people in Japan rent a house when they are single, and then consider buying a house after they get married.
4. Can I borrow money to buy a house in Japan?
If you don't have a work or long-term residence visa in Japan, it is basically impossible to get a loan. However, Bank of Communications Japan Branch in China and Bank of China Japan Branch can provide such loans. The maximum loan amount is 50% of the total house price, and the interest rate is about 2.8%. The principal and interest will be repaid within 15 years. Japanese financial network helps China people buy houses in Japan.