Hi everyone,
I’m not sure if anyone has been in this situation before but I hope someone can give me some advice.
A bit of background. I’ve lived in Japan from 2013-2018 straight. Paid all taxes, health insurance and pension during that time. I was on a spouse visa the whole time. In 2018 we had our first child and I decided it was best to move back to Australia for my career so we don’t struggle financially. Since then we’ve had another child and my career has allowed me to move back to Japan working in an MNC and have a better standard of living.
We’ve fully moved back to Japan now from Aug 23 and I’m looking to build a house here. However I’ve been told I need to get a PR before I can apply for a loan as my wife doesn’t earn much and they can’t put the loan under her name.
I was wondering whether my previous stay in Japan can be used for me to apply straight for PR now as I would tick all the boxes. Or do I have to wait 1 year again on a spouse visa before applying for PR?
5 comments
If you have a break or lapse in residence status, unfortunately it won’t count for PR. It all needs to be continuous.
You’ve been married for greater than 3 years so you qualify after 1 year of consecutive residency and long as you have a 3/5 years visa.
So you gotta wait 1 year (and have a 3/5 year visa)
>However I’ve been told I need to get a PR before I can apply for a loan as my wife doesn’t earn much and they can’t put the loan under her name.
You don’t need PR for a loan if you have a Japanese spouse. What you need is proof of employment with a good length of employment(letter from your employer) and paying taxes in Japan as well as the other stuff like keeping up on paying insurance and such.
I’m guessing your big hurdle is the taxes thing since your old stuff won’t matter and you won’t have paid taxes yet. You may need 2 years of taxes but it is doable without PR.
Many of us with Japanese spouses but not PR have home loans here. Fewer of us do it with a remote employer but I did it, and qualified 100% on my own income. So it is possible.
Nope. Does your company have a labour union? I know people who have gotten loans without PR this way.
I’m not too sure, but I don’t think you can yet. I heard that you need to have the 3/5 year validity of residence card, and as far as I know (based from when I applied), they look at the pension and tax records from the past 2-3 years from the time of application.