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Our Company
| Company name | Showa Kaihatsu Co., Ltd. |
|---|---|
| Representative | Junichi Yamazaki |
| Company founding | March 2021 |
| Company incorporation | May 2021 |
| Capital | 300 million yen |
| Address |
201-7 Obusuma, Kasukabe-shi, Saitama-ken 344-0116 |
| TEL | 048-671-3551 |
| FAX | 048-746-3656 |
| Description of business |
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| Registration number |
Building Lots and Buildings Transaction license number Saitama Prefectural Governor’s License (1)24537 |
| Affiliated organizations |
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Real Estate Transactions
The Strengths of Showa Kaihatsu
High mortgage loan approval rates
If you’re worried about mortgage loan approval, about being rejected by other real estate companies, and about getting by as a sole proprietor…We’ve offered consultation services to many customers just like you.
Mortgage Loan Consultation Examples
Being turned down for a mortgage loan due to one’s non-Japanese nationality
There is no reason for someone to be turned down for a mortgage loan for having a non-Japanese nationality.
We have handled mortgage loans for numerous customers who were foreign nationals.
Customers with permanent residency can apply under the same conditions as Japanese citizens.
For customers who do not have permanent residency, we offer total support for the entire process from selecting a financial institution to negotiating the loan.
Being denied a mortgage loan through another company
It has become a rule that the reason someone is refused a mortgage loan cannot be disclosed to them, even from the standpoint of personal information handling.
For that reason, every financial institution’s refusal begins with “Based on a comprehensive assessment…”
Real estate agents are naturally given the same answer.
Even in those situations, Showa Kaihatsu will help its customers figure out why they were turned down and how to respond or what steps to take next.
Being unable to get a mortgage loan due to recent employment changes
Generally speaking, most financial institutions require applicants to have been working at their jobs for one to three years.
After finding out the customer’s reasons for changing jobs as well as their industry, job position, and other details, we negotiate with the financial institution in order to close the deal.
Being told that the full balance of one’s outstanding car loan must first be paid off
There is something called the debt-to-income ratio that relates to the customer’s income.
In addition to car loans, this debt can include credit card debt, bank loans, and, more recently, cell phone upgrade payments (installments).
We will ask you in advance the amount you wish to borrow for your mortgage loan as well as existing loans and select a financial institution to which you can apply.
In some cases, you might apply to consolidate your existing debt with your mortgage.
Worrying about getting a mortgage loan because you are a contract worker or temporary worker
Don’t be worried. Employment status alone will not prevent you from getting a mortgage loan.
What’s important is the financial institution you choose. We will use our extensive experience to help you make the right choice.
Applying with low income as a self-employed worker
Sole proprietors often reduce their own income in order to pay lower taxes.Many of our clients have chosen financial institutions that take into account the total sales figures and depreciation portions of their tax returns when accepting mortgage loan applications.
We even provide assistance for customers who have been turned down in the past due to delinquent accounts — everything from obtaining personal information to deciding how to proceed in the future.
Items Required for Mortgage Loan Prequalification
You can prequalify for a mortgage loan before you choose which property to buy.
Showa Kaihatsu provides prequalification services as part of its commitment to efficient real estate consultations.
We appreciate your cooperation in preparing these items for your first visit to our offices.
- Personal seal
- Health insurance card
- Identification documents (driver’s license, My Number card, passport, etc.)
- Documents demonstrating your income
(1) Salaried employees (two years’ worth of withholding slips or the most recent year’s worth of pay slips)
(2) Sole proprietors and those who file tax returns (three years’ worth of tax returns or all available tax returns)
(3) Company owners (three years of financial statements with itemized documentation in addition to items (1) and (2) above) - If you have other loans: a repayment schedule or balance certificate
- If you are a non-Japanese citizen: your residence card and juminhyo (for all household members)
FAQ
- I don’t know where to start looking for a house.
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It’s the same for lots of people.
Start by listing the things you and your family want in a house.
We receive inquiries from many customers and can introduce properties tailored to their individual needs.
Please give us a rough idea of your preferred area, budget (price of property, monthly payment amount, etc.), floor plan, number of rooms, and so on. - There was a property we were considering, but someone else bought it.
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It’s impossible to make a decision on buying a property after looking at it if you’re not prepared.
Even if a property you are considering would be a good fit for your family, lots of people can’t make the decision to buy even after looking at several properties because the think the living room is a bit too small, the parking space should be a bit bigger, or a better property might come along if they wait a bit longer.
Often, such people get tired of looking for a house and give up on buying one, or they regret their decision about a property they thought was okay.
We suggest that you be well prepared before you view any properties and consider a purchase. - I often hear the words “financial planning”, but what does that actually mean?
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A financial plan includes everything from the amount you can borrow, which is calculated on the basis of the mortgage holder’s annual income, to the monthly payments that can be repaid without difficulty as well as other expenses and taxes that will be incurred during the purchase and after you have moved in.
Making a financial plan is one of the most important steps to take in order to purchase a suitable property that you can afford. - There are several properties I am interested in, but I have been hesitant and unable to ask about them.
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Many people are the same way. There is nothing wrong with that, and there’s nothing to worry about.
You just haven’t come across any properties you really want to ask about.
However, it is also true that some people aggressively request information and visit numerous properties. So it seems there’s a good balance.
A house is a large, once-in-a-lifetime purchase, so if everyone was too aggressive, people would be fighting over the same property.
You will not lose anything by asking about a property, and you will not be forced into a purchase just because you visit a property.
Gathering information is an important task, and actually seeing a property can be very educational, as it will help you make new discoveries and figure out your own requirements, so we encourage you to summon the courage to do so. - We are searching for a newly built house and are visiting various properties ourselves.
In some cases, we ignored vacant sites and houses under construction later regretted it after seeing the finished house, thinking that we should have bought it.
What advice do you have? -
If the site is vacant or under construction, you might not know what the final house will look like. More importantly, you might hesitate about making a purchase decision without being able to see the actual house.
However, if you wait until the house is finished, it might get sold in the meantime.
First of all, finished houses built by the same company to the same specifications must exist somewhere.
Unlike custom-built homes, built-for-sale homes are similar in design, room layout, and size, so we recommend that you go look at some.
If you cannot find any completed houses, ask the seller or the construction company to show you photos of earlier subdivisions they developed and have them describe the houses to you so you can make the right buying decision. - I’ve been conducting various searches online, but I have no absolute requirements in particular, so I’m not really sure how to evaluate what’s available. What should I do?
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Other customers who have made purchases said the same thing at first. We now live in an age where if you want information on a property, you can get any information you want for free online. Thus, people tend to make up their own minds based only on what they see on the screen of their smartphone or PC.
First of all, even if you don’t have absolute requirements, it is important to look at the actual property or the actual house if you have an idea about an area you’d like to live in or what kind of house you imagine would be nice to live in. By actually taking action, you will become more motivated in your searches, and you will gradually begin to realize what your own preferences and requirements are.
If you find a property that piques your interest, please let us know. - How do I get a good property?
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In order to stumble upon a good property, you need to take initiative and be proactive.
When it comes to real estate, you cannot make a purchase without seeing the actual property, and no two properties are the same.
And each property undoubtedly has competing buyers. It sounds simple, but if you find a property that comes close to your desired requirements or one that you are even just a bit interested in, you should proactively visit it so you can actually look at it and touch it. It goes without saying that people who do this regularly will eventually get a good property.
When people go to look at a property, they always say, “It looks completely different from the photos. I’m glad I came and looked at it.”
The actual atmosphere, ambiance, and surroundings of a property are often not conveyed through a screen, so you should be prepared to take action. - Which is better, a detached house or a condominium?
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Generally speaking, neither is good or bad. First, you must understand that a condominium is “shared housing”, and everything aside from private areas (dwellings) is shared property.
Naturally, there are strangers of different ages, family structures, and incomes living in the apartments above, below, and next door, and families with small children in particular may be concerned about noise complaints.
Unlike detached houses, you don’t have to maintain the property yourself, but you will pay, on average, ¥30,000 to ¥40,000 per month for management fees, maintenance fees, parking, and so on.
That adds up about ¥400,000 in payments per year. That is a lot of money, because you will continue to pay it as long as you live there, even after your mortgage loan is paid off.
The good thing about condominiums, however, is that unlike detached houses, they tend to be in relatively good locations. Many of them have excellent lifestyle convenience that money cannot buy, with train stations, supermarkets, and convenience stores within easy walking distance.
Some people will move from a detached house on a hill to a condominium near a train station, while others will move from a condominium to a detached house because the condominium feels too cramped or the maintenance fees are too high.
Your family should have a thorough discussion about which is best suited to you, taking into account your lifestyle, family structure, work and school commutes, and so on. - After I apply, when do I sign a contract?
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The time from applying to signing the contract is usually five days or less — seven days at the most.
During that time, we will create the contract document and prepare the documents necessary to conduct the mortgage loan prequalification, and you will prepare the deposit.
In some cases, we are able to finish preparations and sign the contract within two or three days or even the very next day after the application, but we adjust our schedule to accommodate the customer’s job and find a time that is convenient. - How much is the deposit?
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There’s no rule that states how much it should be, so it depends on the price of the property. In reality, it usually ranges from ¥500,000 to about 5% the price of the property. (For example, the deposit for a ¥30 million property would be about ¥1.5 million.)
A range of 5% to 10% of the property price is standard, but in practice, the amount of the deposit is determined by taking into consideration the customer’s financial plan and discussing the amount of money allocated for personal use and the amount of money currently on hand.
Since the deposit represents part of the sale price, you may assume that if you borrow 100% of the property price, the money paid as a deposit will eventually be returned to you. - How long does it take from signing the contract to handing over the keys?
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If the property for which the contract is signed has been completed and is ready for handover at any time, the property will be handed over approximately one month after the contract is signed — one-and-a-half months at the latest.
The actual move and occupancy are possible at any time after handover. If the property is under construction or undergoing renovations, it will be handed over once that has been completed.
Contact
Privacy Policy
Showa Kaihatsu Co., Ltd. (hereinafter referred to as “our Company") will promote the protection of personal information by establishing the following privacy policy, by building a system for protecting personal information, and by ensuring that all employees recognize the importance of protecting personal information and take appropriate measures to do so.
Management of Personal Information
In order to keep our customers’ personal information accurate and up-to-date and to prevent unauthorized access, loss, damage, falsification, and leakage related to personal information, we will take all necessary measures, including the maintenance of our security system, development of a management system, and thorough training of employees, and we will implement safety measures and strictly manage personal information.
Purpose for Using Personal Information
Personal information our Company receives from customers will be used to send e-mails and promotional materials to customers as a means of contacting them, providing information about our business, and answering questions.
Prohibition on Disclosing and Sharing Personal Information with Third Parties
Our Company will properly manage the personal information we receive from our customers, and we will not disclose personal information to third parties except in the following cases.
- If the customer gives their consent
- If the information is disclosed to a contractor to whom our Company outsources its business in order to provide the services requested by the customer
- If disclosure is required by law
Safety Precautions for Personal Information
Our Company takes all necessary security measures to ensure the accuracy and safety of personal information.
Inquiries from Customers About Their Own Information
If a customer wishes to inquire about, correct, or delete their own personal information, we will accommodate the request after confirming the identity of the customer.
Compliance with and Review of Laws, Regulations, and Norms
Our Company will comply with Japanese laws, regulations, and other norms that apply to the personal information in our possession, and we will review and update the contents of this policy as appropriate.