Posts Tagged: permanent residency


17
Aug 09

God, I’m So Illiterate!

I’ve just come back from immigration where I went to hand in a double application for both spouse visa renewal and permanent residency. Everything seemed to be in order, but at the end I was asked to fill in a form that gave my permission for immigration to make copies of some documents.

I may have been in Japan for over a decade, but my Japanese skills are sadly lacking. I passed level 2 of the Japanese test back in 2000 and have steadily forgotten everything since. All right, my Japanese isn’t that bad, but certainly not good enough for today’s situation…

The gentleman behind the counter rattled off in Japanese how I needed to list the documents by name on the form, which to him, was just a formality, with no need for debate. For me, however, this was far from simple. While I understood what I needed to do, I first pleaded that I wouldn’t be able to write the names of the forms, e.g. 住民税納税証明書 (certificate of residence tax) to which he responded that I could write them in English. I told him I wasn’t sure of the English translations, and he, showing signs of impatience, said I could just write the hiragana, which would have been okay if I could read the document names in the first place.

I figured I’d just try to copy the titles of  each document, but on realizing some of them didn’t have clear titles and the names were instead embedded in even harder sentences, I gave up and returned to the counter to beg for someone else to write them.

Typically, since I was the one applying for a change of residence status, I would have to write them myself. Clearly the immigration official couldn’t understand at all why I was having such trouble and I eventually had to ask him to circle the kanji I needed to write. Unfortunately, he did this rather willy nilly, wrapping unnecessary kanji within his halfhearted circles, or cutting other characters in half, leaving me wondering whether to include them or not.

Perhaps it was more difficult for me because I’m self-employed and had to produce a number of forms that would normally be handled by your employer, but I think it’s more accurate to say my Japanese is woeful for a potential permanent resident and I have no excuses for being so illiterate.

However, since this isn’t an application for citizenship, but merely the right to stay long-term in Japan, I certainly think I’m qualified. I’m in my 12th year in Japan, 5th year of marriage to a Japanese national, I’ve bought a house in my name and we have a 2-year-old son.

In fact, since I owe a Japanese bank the cost of my house, I’d  like to think permanent residency was a given.


15
Dec 06

Getting ready to move

A few months ago, I posted about buying a house and getting a mortgage in Japan. There were times when I didn’t think it would be possible without a permanent residency visa, but eventually we managed it… and we move next week!

If you’re thinking of buying a house in Japan, you might want to consider getting a mortgage through Mitsubishi Tokyo UFJ bank. They were the only bank that would give me a mortgage. As one of Japan’s biggest banks, I guess they can afford the risk. I had to prove that I had been in the same company for at least one year, and show proof that my earnings were enough to repay the mortgage. However, I think the fact that my wife is a qualified nurse helped a lot because she is in a position to get a job and finance the mortgage should the English teaching industry kick me out on my behind. So, although the house is in my name, Mami is the guarantor.

Anyway, I’m busy packing boxes for the move, and plan to do it all on one day. After originally planning to use my little Suzuki Wagon R, which would have taken more than 20 trips, I came to my senses (Thanks Mike!) and reserved a nice big “High Ace Van” for the 22nd. That should cut it down to just five or six trips I hope.

My biggest concern is getting our two air conditioners out. One company was recommended but they only service the local area, and I’m in a different city. I tried calling a couple of other companies but their schedules are full over the so-called ‘busy’ season. Incidentally, why is it that every season in Japan is ‘busy’ season? I mean seriously, ask anybody if they are busy these days and they’ll say yes! Anyway, I’m hoping that a friend of a friend of a friend can help me out….. but until I hear from him, I’m just waiting it out.

Cue Mariah Carey… “All I want for Christmas is… an electrician!”


14
Oct 06

Getting a mortgage in Japan

In What is Yakudoshi? I told you that Mami and I were looking for a house and being a foreigner, I might encounter some problems with getting a mortgage. This post is an update on that.

Assuming I wouldn’t be able to get a loan from a Japanese bank because I don’t yet have permanent residency, we took a break from house hunting for a while. However, we still got the odd fax from the real estate agent about new houses on the market. So, a couple of weeks ago I went to check one out. Although 15 years old, it seemed in pretty good condition and was in a very nice area so I took Mami to have a look later that day. She liked it too, so we made an appointment to see inside.

Five rooms plus a combined living room, dining room and kitchen, it is pretty big by Japanese standards. It has a small garden and parking for three cars. The inside was spotless with three beautiful tatami mat rooms, and fairly modern kitchen. We instantly knew it was the house we were looking for. Of course, at over 20 million yen, we still didn’t think they’d be any chance of getting a mortgage.

Surprise, surprise. After long discussions with the real estate agent, and having to produce every document under the sun, one bank has agreed to lend us the money. The mortage will be in my name, with Mami as guarantor. The fact that she is a qualified nurse has helped tremendously because she will always be able to find work to pay off the loan, in the unlikely event I did a runner!

Anyway, we’ve filled in the preliminary forms but will sit down and go through a stack of paper work with the bank and real estate agent in the next week or two to finalize the contract. Until that’s signed, I’m not shouting for joy yet.

Can a foreigner in Japan really get a mortgage without a permanent residency visa? Stay tuned!