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COLUMNFinance

Japanese home loans | What are preferential interest rates? Two types of home loan structures and criteria for refinancing

This is an article that explains the mortgage loan for purchasing a house in Japan where you or your relatives live. For Japanese home loans, the applicable interest rate is calculated by subtracting the reduction amount according to the co

COLUMNFinance

What Are Electronic Contracts in Real Estate Purchases? Key Points for Web Explanations and Power of Attorney Handling

Electronic contracts for real estate purchases were enabled by the 2022 legal reform. INA’s representative explains, from a practical perspective, how to handle web-based important matter explanations, the timing of electronic signatures, powers of attorney for pair loans, and scheduling gaps in loan agreements.

INA NETWORKFinance

Real estate investment holding costs are surging - the income reality owners should understand in an era of rising interest rates

Holding costs for real estate investment are rising sharply. With interest rates at 2% and yields in the 4% range, the effective spread is only 2%, while major repair costs have risen by 30%. This article explains the income reality owners should reassess now and the actions they should take.

COLUMNFinance

How Wealthy First-Time Investors Choose Their First Japanese Property: A 5-Point Framework

For wealthy first-time investors, the decision framework for a first Japanese property rests on five checks: location, building condition, income structure, exit strategy, and partners. Drawing on Japanese government data and international benchmarks such as JLL and Knight Frank, this guide explains the five structural differences between equities and Japanese real estate, the three pitfalls unique to wealthy beginners (full leverage, tax-driven decisions, and a single large RC building), how to choose between a condominium unit and a whole building, how to structure equity and loan-to-value, and how individual versus corporate ownership compares.

INA NETWORKFinance

What happens when the useful life of real estate is over? Impact on depreciation, financing, and sales

When you hear about a property that has reached the end of its useful life when investing in real estate, you may think that it is a building that can no longer be used. However, the statutory useful life is the number of years used to calc

INA NETWORKFinance

What is the yield of apartment management? Surface/substance calculation method and check before purchase

The first number to check when managing an apartment is the yield. However, if you make a purchase decision solely based on the yield displayed in the advertisement, you may end up with less money left than expected. This is because most ad