Clarify your desired conditions. Decide on your desired conditions such as the area where you want to live, housing type, size and layout, desired timing for moving in, etc.
Determine your budget. After investigating the approximate market price of your desired housing, determine your budget by confirming the amount of your savings or housing loan you can borrow.
Communicate to our firm what your desired conditions are, and we will introduce properties matching the conditions. If there are properties you are interested in which you saw in other websites, let us know about them also.
If you find a property you like, visit the premises. At the opportunity, you can confirm the environment surrounding the premises, layout, facilities, purchase conditions, etc.
You cannot sign a contract unless you have funds, and therefore you need to develop a financial plan and confirm the financing by submitting a loan consulting document in advance to a bank, etc.
（When you purchase a property, you will need overhead expenses in addition to the price of the property. The amount you will borrow as a housing loan is the amount of the total of these minus the amount you can prepare as a down payment.）
Before signing the contract, you need to have reviews from the financial institution and the guarantee company to have a loan approval in advance.
If you find a property you want to purchase, fill in a purchasing certificate and communicate your wish to the seller through our firm as well as the price and handover conditions.
At this timing, you will also sign a mediation contract with our firm.（In this contract, the target property, the contents of brokerage services, brokerage fee of the real-estate company, etc. are indicated.）
When your desired conditions and those of the seller are aligned, the date and the time for contract signing are fixed.
Before signing the contract, a licensed real-estate agent will explain important matters regarding the property to be purchased.
After confirming the contents of the explanation of important matters for signing a real-estate sales/purchase contract, and after signing and affixing the seal, the sales/purchase contract is concluded with the seller.
At this timing, in general, a binder (contract money) equivalent of about 10～20％ of the sales/purchase price is paid. After confirming the contents of the contract, the contract is concluded.
When the sales/purchase contract is signed, fill in a housing loan application, and submit it to a financial institution. You need to have reviews with the financial institution and with the guarantee company to have the official approval of the loan.
Conclude a loan contract（money loan for consumption contract）with a financial institution such as a bank. At this timing, have the bank, etc. establish the date of the execution of the fund, and communicate it to the financial institution.
When you are ready to have the property handed over by the seller, settle your accounts with the financial institution such as a bank and pay the remaining portion of the price.
Furthermore, pay also the municipal tax on real estate property and the management fee（in the case of an apartment）on a per diem basis. At the same timing, have the property handed over by the seller and carry out real estate registration procedures. At this timing, if the seller has already finished moving out, have the key handed over also. After this, you will move in and start living there.
In the case of an apartment, carry out procedures to change the partitioned ownership of the building with the management company or the management association. In the case of a detached house, the residents’ association needs to be notified.
Furthermore, if remodeling is done, carry out prescribed procedures, and you move in after remodeling is completed.
※ About overhead expenses
At the time of home acquisition, in addition to the price of the property, another set of costs called “overhead expenses” are incurred. Make sure you understand approximately how much overhead expenses are required for home acquisition and when you need to make the money available, and incorporate them in your budget for the purchase when you take out a loan.
Specifically, you need to pay costs for revenue stamps, brokerage fee, registration fee (registration and license tax and remuneration for a judicial scrivener), real estate acquisition tax, municipal tax on real estate property/city planning on a per diem basis（In the case of an apartment, management fee (reserve fund) also needs to be settled on a per diem basis.）, and real estate acquisition tax. In general, you will take out a fire insurance policy, and therefore you also need to pay for that.
Furthermore, if you borrow a housing loan, you will need to pay loan administrative fee, loan guarantee fee, corporate credit life insurance special contract fee, fire insurance fee, etc., but requirements differ depending on the financial institution or the loan product. In the case of a used property, the expenses are said to be around 6%~10% of the purchase price, but since this differs depending on the property, ask the personnel in charge for details as soon as you decide on the property.