Consultation and Application (by phone, in-person, or through our website)

　First and foremost, please reach out to us, considering any documents you currently have at hand (such as income statements and property information).

　After we have had a discussion, we will provide you with a list of the documents required for the loan application process. As soon as you have these ready, we will guide you through the evaluation process.

Submission of Required Documents for Evaluation

　Depending on the completeness of the documents provided (such as income statements and property information), we will initiate either a preliminary review or the final evaluation process.

　In cases of urgency, we will provide you with a list of all the required documents for the evaluation process. Once you have prepared all of them, we will proceed with the final evaluation from the beginning.

Preliminary Review, Final Evaluation

　Depending on the nature of your inquiry, we will handle the evaluation process either internally or by referring you to our partner loan companies.

Preliminary Review (Prequalification):

Based on select documents, we will provide you with preliminary guidance and estimates. Simultaneously, we will provide instructions for the required documents for the final evaluation.

Final Evaluation:

Once all necessary documents are assembled, we will proceed with the formal evaluation. Subsequently, we will present the finalized loan terms and conditions.

(*Preliminary Review: A few days, Final Evaluation: Approximately 10 days to 2 weeks required)

Contract and Loan Disbursement

　You will need to prepare the required documents for the contract, and we will conclude the borrowing agreement (you will need to visit our office).

　We will discuss various details such as the disbursement method of the loan funds, the settlement date for property transactions, etc. (either at the time of contract or on a separate occasion).

　In the case of loans through our partner loan companies, the procedures for the contract will be conducted at the respective partner's office (you will need to visit their office).

Documents Required for Loan Application

[Personal Identification Documents]

・Identification document (Driver's license, My Number card, Residence card, Passport, Health insurance card)

　　Example of ID Cards, etc.

・Proof of annual income (Withholding tax slip, Income certificate, Tax return, Company financial statement, etc.)

　　Example of Proof of Annual Income, etc.

・Certificate of residence (For all members of the household with relationship details)

　　Example of Certificate of Residence

・Tax certificates, proof of tax payment, etc. (Details will be provided during consultation)

　　Example of Tax Exemption Certificate For Income, etc.

[Property Purchase-Related Documents]

・Property flyers, certified copy of real estate registration, land survey map, (building) layout plan, public survey, residential area map, etc. (Easily obtainable through real estate agents, construction companies, etc.)

　　Example of Flyers, Certificate of Real Estate Registration, etc.

・Others (Sale and purchase agreement, Important points explanation document, Building confirmation notification and attached drawings, Inspection certificate, etc.)

　　Example of Sale & Purchase Agreement, etc.

・Additional documents may be required depending on the circumstances.

・We will provide you with the necessary documents during the consultation and evaluation process.

(Please note that documents submitted during the evaluation cannot be returned. Please understand this in advance.)

Required Documents for Contract

・For the borrower (and joint guarantor if applicable), the following documents are required at the time of the loan agreement:

personal seal, certificate of registered seals (several sheets, which we will request), resident registration certificate (for collateral registration application), and the applicant's bank registration seal.

　　Example of Certificate of registered seals, etc.

・In the case of a joint collateral, the following documents are required:

Registered deed of rights (e.g., real estate deed, Notification of identification information registration)

　　Example of Real estate deed, etc.

・Please note that additional documents may be requested depending on specific circumstances.

・We will provide detailed guidance after the examination. Kindly prepare the necessary documents for the loan agreement.