Our family is looking to book a new manshion which is advertised for around 130m yen.
Read around a bit and it is said that we should add around 5~8% for first-time payments like taxes, agent fees, etc. So that would be around 10.4m. Is that somewhat accurate?
Regarding loans. We are ready to prepare 40m to cover the above including down payment, then the rests would go to loans. However, unfortunately I just changed job in January. I understand it is said that recent job change would be a big minus in loan approval consideration. Are the approval chances really that low and/or the interest would be high due to this? Worst case, we might need to spend a bit more for the deposit but not preferrable if possible.
We already have a plan to meet with the developer but just wanted to have the basic knowledge in advance just not to get caught in the surprise during the explanations.
Appreciate your thought guys!
by MinnMaxx