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日本のマンション購入について
- #1
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- 八郎
- 2006/09/13 04:26
将来、日本に戻る事を考えています。
そこで日本の住家を金利の安い今のうちに購入したいと思い始めました。
15年ぶりに東京の地価も上がり始めたことだし、今がチャンスかなと。
しかしながら、日本の住宅ローンが在米でアメリカ企業で働く私でもとれるのかどうなのか。
帰るといってもまだ数年先のことですし購入できたらとりあえず貸そうと思っています。
もしどなたかご存知の方がいれば教えてください。
- #5
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#3、買いましたさん、ありがとうございます。
そうですか、居住目的でないと審査が厳しいのですか。。。
そうですね、直接問い合わせてみた方が良いですね。ありがとうございます。
- #6
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私はあるメガバンクの新宿支店へ相談に行ったんですが、アメリカのクレジットを使ったり、持家を担保にと形での融資はしてないと言われました。
#3のかたは、日本に親会社があってそれの信用が融資に繋がったのではないでしょうか?アメリカの日系現地子会社で勤務している人やアメリカ企業に勤めている人に審査をパスするのは難しいんじゃないかなぁ?
- #7
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便乗させてください。私も同じことを考え、銀行に問い合わせてみたところ、まず住民票が必要だという事でした。仮に住民票をとったとして、収入の証明等はアメリカのものしかないわけで、これでローンが組めるものかどうか。
経験のある方、または詳しい方、おしえてください。
- #8
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日本の銀行は住民票が日本にない方に住宅ローンは下りません。アメリカの銀行でローンを組んではどうでしょうか?それか、日系企業であれば、会社から住宅ローンが受けれる大企業もあります。うちの会社はゼロ金利で住宅ローン制度ありますが勤続15年以上の社員のみです。
- #9
-
日本に家ほしいよね。
ということで、私も同じ状態です。
主人がアメリカでアメリカ資本の企業で働いています。
日本の某有名銀行に直接電話して相談しましたが、かなり厳しいそうです。
海外在住の場合、不明な点がいっぱいあるからだそうです。
かりに、購入した家に両親が住むことになっていても、ローンの当事者が海外にいるということは、何かあった際に連絡が途絶えてしまうからだそうです。
奥さんが日本に住んでいる場合、薄い期待が持てるそうですが、とにかく薄いらしいです。
日本に帰る確実な予定と仕事が決まっていれば、降りる可能性はあります。
日本の住宅ローンは、あきらめるしかないのかなー・・・
Posting period for “ 日本のマンション購入について ” has been closed.
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