Hello everyone, I recently got a Job in Tokyo as a Data Scientist and will relocate from Switzerland in January 2025.
I am 23 and will get a HSP where I can get PR in one year. So here comes my question. I generally don't like to rent and think buying (with a mortgage) is a financially better decision for the long run (atleast in Switzerland). I hope to get PR after one year to be able to get a mortgage (willing to give around 10 million Yen as downpayment).
I am not quite sure if it is a smart decision to buy an mortgage at this age and if it is even worth it in Tokyo? I have also never lived alone before so everything is quite new to me.
Here are some details about my situation:
Sector: Energy market trading
Salary: 9 Million Yen + 2 to 3 Million bonus (according to my coworkers, depends on the results, since it is a trading company)
Japanese Level: N4
Education: Bachelors Degree in AI
by Independent_Sir_2653