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Process for the Conclusion of a Purchase Agreement

In conjunction with the conclusion of a purchase agreement, we would like to explain each process that you will need to go through, namely, the implementation of a pre-check on loan eligibility, the explanation of important matters and the conclusion of a purchase agreement.

1.Application

(Request for negotiation)

If you decide on a property that you wish to purchase, you are requested to fill out a Real Estate Purchase Application Form.

You will complete the Real Estate Purchase Application Form by entering the price of the property that you wish to purchase, payment method, possibility of using a housing loan(s) and the desired delivery date, among other matters, and affixing your name and seal.

※All parties who execute a Real Estate Purchase Agreement need to have their identities verified prior to the conclusion thereof.

2. Pre-check on loan eligibility

Check housing loan eligibility in advance to facilitate the agreement process.

If you intend to take out a housing loan, prior to the conclusion of the agreement, we recommend that you check with the financial institution whether a loan(s) is possible under the terms and conditions you wish to take.

3. Explanation of important matters

Thoroughly check the status of the property and agreed details based on the explanation of important matters.

The explanation of important matters, as the name indicates, covers important matters related to properties before a purchase agreement is concluded between the parties. Its clauses include the relationship of rights described in the register, legal constraints for future reconstruction, the relationship between the site of a property and adjacent roads, and provisions in the event of the cancelation of the agreement.

Our sales representative(s), a qualified real estate broker, will explain the details using the explanation of important matters.

※ Our sales representative(s) will explain the details of brokerage operations and provide an outline of the explanation of important matters in advance.

4. Conclusion of a purchase agreement

The buyer and the seller enter into an agreement with regard to the purchase and sale of a property, based on which a Real Estate Purchase Agreement will be concluded.

When concluding an agreement, the parties will reconfirm the agreed-upon details for the final time based on a Real Estate Purchase Agreement that sets forth provisions including the details of transactions and the rights and obligations of the parties. By using a report on the status of the property, etc. and a list of facilities, the seller will explain the status of the property and facilities included therein. An agreement is deemed to be officially concluded subject to the seller and the buyer affixing their respective names and seals, and the buyer paying earnest money

(10% of the price of a property).

Flow of procedures for a housing loan

1. Conclusion of a purchase agreement

To promptly apply for a loan after the conclusion of a sales agreement, fill out a loan application form as necessary and prepare other required documents to complete an application in advance.

2. Application for a loan

Submit the loan application form and required documents to the financial institution that you wish to use. The financial institution(s) examines the possibility of providing a loan(s) according to the terms and conditions described in the application form.

3. Loan approval

If the financial institution approves the terms and conditions described on the application form, it will send you a notice of loan approval. Make sure that you have received the notice prior to the loan approval date specified in the purchase agreement.

4. Conclusion of a loan agreement

You will conclude a loan agreement with the financial institution to receive the loan.

5. Provision of a loan

The loan will be provided to match the balance of the purchase price. The financial institution will set up a mortgage, etc. for the property that you have purchased.

※ Administrative fees for a loan

Fees to be paid to a financial institution and guarantee company when taking out a loan.

Fees vary depending on the financial institution (30,000 yen to 200,000 yen).

Required documents and other items to complete an application for a loan

1. Application form for a loan

2. Registered seal (seals of all buyers if a property is owned jointly)

3. Purchase agreement (presentation of the original and submission of a copy)

4. Certificate of the registered seal (issued less than three months prior to the current date)

5. Certificate of residence (whole family to be listed) 

6. Certificate of salary payment (with a withholding tax slip)

7. Notice of a decision of residence tax imposition (or certificate of residence tax imposition)

8. Other fees (such as expenses for revenue stamps to be affixed to a loan agreement, administrative fees for guarantee, and guarantee fees)

9. Insurance certificate

※ Different documents and fees may be required depending the loan type to be used.

Type of housing loans

Public housing loan

  • Property accumulation savings-based housing loan

  • Municipality loan

Flat 35

  • Bank

  • Shinkin bank

  • Mortgage bank, etc.

Private housing loan

  • Bank

  • Insurance company

  • Shinkin bank

  • Consumer finance company, etc.

Fixed interest types and variable interest types

Fixed interest-type loans

A loan whose interest rate does not change until repayment is completed (rate remains fixed through the repayment period)

Variable interest-type loans

A loan whose interest rate changes depending on financial conditions during the repayment period. Basically, an interest rate is reviewed once every six months. Although the repayment amount remains unchanged for five years, any excess or shortage in interest rates arising from interest rate changes during the five years is adjusted for repayments to be made from the sixth year onward (which applies every five years).

Fixed rate optional

For this loan, a fixed rate is applied for a certain period of time after borrowing. After the repayment period is finished, a borrower has the option of taking out a fixed interest-type loan again or a variable interest-type loan. (Loan details vary depending on the financial intuition.)

Settlement of balances

1. Request a registration application

You will ask a judicial scrivener, who makes the registration on your behalf, to apply for registration by submitting the necessary documents for registration, which includes a transfer of ownership.

2. Payment of balances

The earnest money is appropriated as part of the purchase price.

Therefore, you will pay the purchase price in its entirety, excluding the earnest money and deposit.

3. Settlement of fixed assets tax

You will settle the payment of the fixed assets tax, city planning tax, management fees, etc.

4. Transfer of related documents

You will receive management bylaws, prospectuses, warranties and owner’s manuals for incidental facilities and other documents to be transferred to you from the seller.

5. Transfer of the key to the property

You will receive the key to the property in which you will live and confirm the receipt of the key by affixing your name and seal to a confirmation of real estate delivery.

6. Payment of expenses

You will make payments for expenses, such as a balance of brokerage commission and registration expenses to a judiciary scrivener.

Expenses to be paid when settling balances

  • Revenue stamp duty (for a loan agreement)

  • Brokerage commission, including the consumption tax thereof

  • Loan administration fees

  • Loan guarantee (to be paid in advance or approximately 0.2% to be added to the interest)

  • Creditor group trust insurance

  • Fire insurance premium

  • Registration and license tax (mortgage and ownership of land and buildings)

  • Registration fees (remuneration for a scrivener)

  • Fixed assets tax for land and buildings

  • City planning tax for land and buildings

購屋申請,銀行貸款、重要事項説明、買賣簽約

購屋流程

各項説明如下

1.購屋申請

您找到了想買的房產,就要寫”購屋申請書”給賣主表示購屋意願。

您希望的購屋金額、支付方式、是否要貸款、交屋日期等寫在申請書,并且簽名蓋章。

※買賣簽約之前需要所有契約者的本人確認。

2. 貸款咨詢

如果您想要貸款,簽約之前需要跟銀行確認能否貸款及貸款條件。

我們會介紹各家銀行(日本的銀行、中國係銀行、臺灣係銀行等)。方便的話,您可以直接跟銀行咨詢。

3.重要事項説明

請您好好瞭解一下房產狀況與契約内容。

重要事項説明是一個,買賣簽約之前,像名稱一樣要説明給買方賣方聼房產相關重要事項的必經步驟。

重要事項説明書上寫著房產謄本上的權力内容、日本建築法相關内容、土地與道路的關係、解除契約的條件等等。

日本法律規定以有”宅地建物取引士”證書的專業人士來進行重要事項説明。

4.簽訂買賣契約

買方賣方都達成協議後,按照協議内容製作買賣契約書,進行買賣簽約的動作。

簽約那天根據買賣契約書及相關資料買方賣方都再次確認簽約内容。確認内容都沒有問題之後,就要在契約書上簽名蓋章,同時買方交給賣方簽約金(通常爲買賣金額的10%)。

Flow of procedure of housing loan procedure

銀行貸款流程

1.簽訂買賣契約

買賣簽約完成之後,爲了儘快申請銀行貸款,請您事前跟銀行溝通并且準備相關必要資料。

2.銀行貸款申請

請您提供給銀行貸款申請書及相關必要資料。銀行會開始您的貸款審查。

3.通過貸款審查

通過貸款審查,銀行就通知您。請您在貸款特約日期前收到銀行通知,確定能否貸款。

※貸款特約:不通過銀行貸款時,可以無條件解除買賣契約。有日期限制。

4.簽訂貸款契約

跟銀行簽訂貸款契約(日語叫做”金錢消費貸借契約”)。

5.進行放款

交屋那天支付尾款時進行放款。銀行同時給您的房產設定抵押權。

我們介紹各家銀行。沒有日本永住權的生活在日本的外國人也如果符合條件的話,也有銀行可以貸款。

   

    

Documents required when using mortgage loans

銀行貸款需要的資料

1.貸款申請書
2.印鑒(印章)
3.買賣契約書 (出示正本、提供副本)
4.印鑒證明書 (3個月内發行)
5.住民票 (家族全員記載)
6.給与證明書、源泉徵收票
7.住民稅課稅決定通知書 (或者住民稅課稅證明書)
8.其他費用 (貸款契約書上貼的印花稅票、保證事務手續費、保證費)
9.保險證書

※必要資料及費用根據利用的銀行及貸款内容而不同。

Types of mortgage loans

住宅貸款的種類

公的住宅融資

  • 財形住宅融資

  • 自治体融資

Flat35

  • 銀行

  • 信用金庫

  • Flat35專門機構(Mortgage Bank等)

民間住宅融資

  • 銀行

  • 保險公司

  • 信用金庫

  • 信販公司

Types of mortgage loans

貸款利率(固定利率與變動利率)

固定利率

利率一直到還完款都不變換。

變動利率

隨著金融形勢,利率會往上往下變化。利率原則上半年一次調整。

選擇性固定利率

從貸款開始到一段期間為固定利率,此期間結束時,您可以再次選擇固定利率還是變動利率。

(※可以選擇的利率内容根據銀行等融資機關而不同。)

Balance settlement

交屋(尾款結算、過戶)

1.委托過戶申請

關於房產所有權移轉(過戶),委托專業法律人士(司法書士)。要準備過戶需要的必要資料。

2.支付尾款

簽約時支付的簽約金以外剩下的款項支付給賣主。

3.固定資產稅等清算

跟賣主按日清算固定資產稅、管理費等款項。

4.相關資料的交接

管理規約書、房產手冊、設備的説明書等賣主保管的房產相關資料交給買主。

5.鑰匙的交接

確認鑰匙的數量與編號後,賣主把鑰匙交給買主。

6.其他相關費用的支付

要支付剩下的仲介費、交給司法書士的過戶相關費用等款項。

Various expenses paid at settlement

交屋時支付的款項

  • 印紙税(印花稅)(貼上貸款契約書)

  • 仲介費(外加消費稅)

  • 貸款手續費(支付給銀行)

  • 貸款保證費

  • 團體信用生命保險費

  • 登錄免許稅(過戶相關稅金)

  • 過戶手續費(司法書士的報酬)

  • 固定資產稅

  • 都市計劃稅

Real estate for sale in Tokyo
Native Japanese will support in English.
我們是日本的不動產公司叫做 “日本上昇不動產公司”。日本不動產買賣及管理,我們會提供中文服務。希望有機會服務您! 請隨時聯係我們!

For Rent

If you are looking for apartments for rent, please visit our website for rental property.

如果您要租房,請看一下我們的租房網站。

https://rise-corp.tokyo

Visit Us

106-0045 ,JAPAN My Square Building 2-10-3, Azabujuban, Minato-ku,Tokyo106-0045 日本 東京都港區麻布十番2-10-3 My Square 大樓

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