Japan home loan pre-screening – agent vs online application difference?

Hi everyone,

I had a question regarding home loan pre-screening in Japan.

About 6 months ago, I applied through a real estate agent (like Livable), and they submitted pre screening application to SMBC, Mizuho and SBINet through their system. They also uploaded documents such as my residence card, driver’s license, and insurance card and Withholding Tax. That pre-screening for all 3 Bank was approved.

Recently, I applied directly myself to banks like SBI Shinsei via their websites. In this case, no documents were asked to uploaded during the pre-screening (only basic information like name, company information), and I got rejected. I think this is the case with all bank when you apply individually they do not ask to upload documents.

My job/income hasn’t changed and I am a PR holder.

Salary: 12 Million JPY

Loan Amount Requested: 70 Million JPY with 0 down payment

Age: 39 Years

So I’m wondering:

• Can applying without documents (online pre-screening) lead to rejection?
• Does applying through an agent improve approval chances?
• Any similar experiences?
• Also the property is in Edogawa-Ku – 2 year old property 17 min walk from Shin Koiwa station. The price is 70 Million JPY for 65 sq meter. Can property be also the cause of prescreening rejection?

Thanks in advance!