{"id":3048,"date":"2019-05-04T15:03:55","date_gmt":"2019-05-04T15:03:55","guid":{"rendered":"http:\/\/nihongo-de-columbus.com\/?p=3048"},"modified":"2021-07-02T04:46:14","modified_gmt":"2021-07-02T04:46:14","slug":"%e3%80%90%e8%b3%bc%e5%85%a5%e3%81%ae%e6%89%8b%e7%b6%9a%e3%81%8d%ef%bc%91%e3%80%91%e9%87%91%e8%9e%8d%e6%a9%9f%e9%96%a2%e3%81%ae%e3%83%ad%e3%83%bc%e3%83%b3%e5%af%a9%e6%9f%bb-lender-pre-approval","status":"publish","type":"post","link":"https:\/\/xpat-homes.com\/expat\/services\/buying\/%e3%80%90%e8%b3%bc%e5%85%a5%e3%81%ae%e6%89%8b%e7%b6%9a%e3%81%8d%ef%bc%91%e3%80%91%e9%87%91%e8%9e%8d%e6%a9%9f%e9%96%a2%e3%81%ae%e3%83%ad%e3%83%bc%e3%83%b3%e5%af%a9%e6%9f%bb-lender-pre-approval\/","title":{"rendered":"[\u30d7\u30ed\u30bb\u30b9\uff12]\u30ed\u30fc\u30f3\u306e\u4e8b\u524d\u627f\u8a8d Lender Pre-approval"},"content":{"rendered":"

\u30ed\u30fc\u30f3\u3092\u5229\u7528\u3057\u3066\u304a\u5bb6\u306e\u8cfc\u5165\u3092\u3059\u308b\u5834\u5408\u3001\u304a\u5bb6\u63a2\u3057\u306e\u6700\u521d\u306e\u30b9\u30c6\u30c3\u30d7\u3068\u3057\u3066\u91d1\u878d\u6a5f\u95a2\u304b\u3089\u4f4f\u5b85\u30ed\u30fc\u30f3\u306ePre-approval\u3092\u3082\u3089\u3044\u307e\u3059\u3002Pre-approval\u3068\u306f\u3001\u53ce\u5165\u3084\u8ca0\u50b5\u3001\u8cc7\u7523\u72b6\u6cc1\u306b\u5fdc\u3058\u3066\u5e7e\u3089\u307e\u3067\u306e\u501f\u5165\u304c\u53ef\u80fd\u306a\u306e\u304b\u3092\u793a\u3057\u305f\u3082\u306e\u3067\u3059\u3002
\n\u8cfc\u5165\u91d1\u984d\u306e\u4e0a\u9650\u304c\u3064\u304b\u3081\u308b\u306e\u3067\u52b9\u7387\u7684\u306b\u304a\u5bb6\u63a2\u3057\u304c\u51fa\u6765\u307e\u3059\u3002\u307e\u305f\u30aa\u30d5\u30a1\u30fc\u306bPre-approval\u3092\u6dfb\u4ed8\u3059\u308b\u3053\u3068\u3067\u3001\u3053\u3061\u3089\u306e\u30aa\u30d5\u30a1\u30fc\u304c\u53d7\u7406\u3055\u308c\u3084\u3059\u304f\u306a\u308a\u307e\u3059\u3002<\/p>\n

\u91d1\u878d\u6a5f\u95a2\u306e\u4e2d\u3067\u3082\u4f4f\u5b85\u30ed\u30fc\u30f3\u3092\u5f97\u610f\u3068\u3057\u3066\u3044\u308b\u3068\u3053\u308d\u3001\u305d\u3046\u3067\u306a\u3044\u3068\u3053\u308d\u3068\u304c\u3042\u308a\u307e\u3059\u3002\u8907\u6570\u30aa\u30d5\u30a1\u30fc\u304c\u540c\u6642\u306b\u5165\u308b\u512a\u826f\u7269\u4ef6\u3092\u8cfc\u5165\u3059\u308b\u306e\u306b\u306f\u3001\u5730\u57df\u3067\u4f4f\u5b85\u30ed\u30fc\u30f3\u3092\u5f97\u610f\u3068\u3057\u3066\u3044\u308b\u9280\u884c\u304b\u3089\u306ePre-approval\u3092\u5f97\u308b\u4e8b\u3067\u3001\u30aa\u30d5\u30a1\u30fc\u3092\u6709\u5229\u306b\u3059\u308b\u3053\u3068\u304c\u51fa\u6765\u307e\u3059\u3002\u6709\u540d\u3067ATM\u304c\u305f\u304f\u3055\u3093\u3042\u308b\u3088\u3046\u306a\u9280\u884c\u304c\u5fc5\u305a\u3057\u3082\u4e0d\u52d5\u7523\u306e\u696d\u754c\u3067\u8a8d\u77e5\u3055\u308c\u3066\u3044\u3066\u3001\u4f4f\u5b85\u30ed\u30fc\u30f3\u304c\u5f97\u610f\u3068\u306f\u9650\u308a\u307e\u305b\u3093\u3002\u5fc5\u8981\u306b\u5fdc\u3058\u3066\u9280\u884c\u3082\u3054\u7d39\u4ecb\u3055\u305b\u3066\u9802\u304d\u307e\u3059\u306e\u3067\u3001\u3054\u76f8\u8ac7\u304f\u3060\u3055\u3044\u3002<\/p>\n

\u73fe\u5728\u306f\u91d1\u878d\u6a5f\u95a2\u304b\u3089\u9001\u3089\u308c\u308b\u30ea\u30f3\u30af\u304b\u3089\u30aa\u30f3\u30e9\u30a4\u30f3\u3067\u7533\u3057\u8fbc\u3080\u306e\u304c\u4e00\u822c\u7684\u3002\u305d\u3053\u306b\u5fc5\u8981\u66f8\u985e\u3092\u6dfb\u4ed8\u3057\u307e\u3059\u3002<\/p>\n

<\/div>\n

\u4e00\u822c\u7684\u306bPre-approval\u3092\u5f97\u308b\u70ba\u306b\u5fc5\u8981\u306a\u66f8\u985e\u4e00\u89a7<\/h4>\n

INCOME\uff0f\u53ce\u5165<\/span>
\n– \u904e\u53bb\uff12\u5e74\u9593\u306eW2\uff08\u65e5\u672c\u306e\u6e90\u6cc9\u5fb4\u53ce\u7968\u306b\u76f8\u5f53\uff09\u3068\u96c7\u7528\u4e3b\u306e\u4f4f\u6240
\n– \u5b9f\u8fd130\u65e5\u5206\u306ePay stub\uff08\u7d66\u4e0e\u660e\u7d30\u66f8\uff09
\n– \u7f72\u540d\u6e08\u307f\u306e\u904e\u53bb\uff12\u5e74\u9593\u306eFederal tax returns\uff08\u9023\u90a6\u7a0e\u7d0d\u7a0e\u7533\u544a\u66f8\uff09
\n\uff08\u4ee5\u4e0b\u306e\u5834\u5408\u306f\u8ffd\u52a0\u306b\uff09
\n– \u6295\u8cc7\u7269\u4ef6\u304c\u3042\u308b\u969b\u306f\u3001\u8cc3\u8cb8\u5951\u7d04\u66f8
\n– \u751f\u6d3b\u4fdd\u8b77\u3084\u5e74\u91d1\u53d7\u7d66\u306e\u5834\u5408\u306f\u3001\u53d7\u7d66\u66f8\u3068\u5b9f\u8fd1\u306b\u652f\u6255\u308f\u308c\u305f\u5c0f\u5207\u624b\u306e\u30b3\u30d4\u30fc
\n– \u96e2\u5a5a\u3057\u3066\u3044\u308b\u5834\u5408\u306f\u3001\u2460\u5225\u5c45\u306b\u95a2\u3059\u308b\u5408\u610f\u66f8\u3082\u3057\u304f\u306f\u96e2\u5a5a\u5224\u6c7a\u3068\u3001\u2461\u914d\u5076\u8005\u3084\u5b50\u4f9b\u306b\u652f\u6255\u3063\u3066\u3044\u308b\uff0f\u652f\u6255\u3063\u3066\u3044\u308b\u6276\u990a\u624b\u5f53 \u904e\u53bb\uff11\uff12\u30f6\u6708\u9593\u306e\u652f\u6255\u8a3c\u660e<\/p>\n

DEBTS\uff0f\u8ca0\u50b5<\/span>
\n– \u81ea\u5b85\u3092\u501f\u308a\u3066\u3044\u308b\u5834\u5408\u306f\u3001\u5927\u5bb6\u3055\u3093\u306e\u540d\u524d\u3068\u4f4f\u6240
\n– \u904e\u53bb\uff17\u5e74\u9593\u306b\u81ea\u5df1\u7834\u7523\u7533\u544a\u3092\u3057\u305f\u3053\u3068\u304c\u3042\u308b\u5834\u5408\u306f\u3001\u7533\u7acb\u66f8\u3068\u78ba\u5b9a\u66f8\u3001\u81ea\u7b46\u306b\u3066\u81ea\u5df1\u7834\u7523\u306e\u7406\u7531\u3001\u81ea\u5df1\u7834\u7523\u5f8c\u306e\u4fe1\u7528\u60c5\u5831<\/p>\n

ASSETS\uff0f\u8cc7\u7523<\/span>
\n– \u904e\u53bb\uff12\u30f6\u6708\u306e\u5f53\u5ea7\u9810\u91d1\u3001\u666e\u901a\u9810\u91d1\u3001\u8a3c\u5238\u53e3\u5ea7\u306e\u660e\u7d30\u66f8
\n– 401K\u306a\u3069\u9000\u8077\u8cc7\u91d1\u53e3\u5ea7\u306e\u660e\u7d30\u66f8\uff08\u5bb6\u306e\u8cfc\u5165\u306b\u8cc7\u91d1\u3092\u5229\u7528\u3059\u308b\u969b\u306f\u3001\u305d\u306e\u5951\u7d04\u6761\u4ef6\uff09<\/p>\n

<\/div>\n

\u30af\u30ed\u30fc\u30b8\u30f3\u30b0\u524d\u306b\u9280\u884c\u306b\u63d0\u51fa\u304c\u5fc5\u8981\u306a\u66f8\u985e\u4e00\u89a7<\/h4>\n

– \uff08\u5951\u7d04\u306b\u5165\u3063\u305f\u6bb5\u968e\u3067\uff09\u4e0d\u52d5\u7523\u58f2\u8cb7\u5951\u7d04\u66f8
\n– \uff08\u30af\u30ed\u30fc\u30b8\u30f3\u30b0\uff12\u9031\u9593\u524d\u307e\u3067\u306b\uff09Home Owner\u2019s Insurance\uff08\u4f4f\u5b85\u4fdd\u6709\u8005\u4fdd\u967a\uff09\u306e\u4fdd\u967a\u4f1a\u793e\u306e\u62c5\u5f53\u8005\u540d\u3068\u9023\u7d61\u5148\u96fb\u8a71\u756a\u53f7
\n– \uff08\u30af\u30ed\u30fc\u30b8\u30f3\u30b0\uff11\u9031\u9593\u524d\u307e\u3067\u306b\uff09\u4e0a\u8a18\u4fdd\u967a\u52a0\u5165\u66f8
\n– \u624b\u4ed8\u91d1\u306e\u652f\u6255\u6e08\u5c0f\u5207\u624b\u306e\u30b3\u30d4\u30fc\uff08\u9280\u884c\u53e3\u5ea7\u306e\u30aa\u30f3\u30e9\u30a4\u30f3\u3084\u5e97\u982d\u3067\u5165\u624b\uff09
\n– \u904b\u8ee2\u514d\u8a31\u8a3c\u3068\u30bd\u30fc\u30b7\u30e3\u30eb\u30bb\u30ad\u30e5\u30ea\u30c6\u30a3\u30fc\u30ab\u30fc\u30c9\u306e\u30b3\u30d4\u30fc
\n– \u65e2\u5a5a\u8005\u306f\u3001\u914d\u5076\u8005\u306e\u8eab\u5206\u8a3c\u660e\u66f8\u306e\u30b3\u30d4\u30fc<\/p>\n

Refinancing\/\u4f4f\u5b85\u30ed\u30fc\u30f3\u501f\u308a\u63db\u3048\u306e\u5834\u5408\u306f\u3001\u8cfc\u5165\u6642\u306eTitle Insurance Policy\uff08\u571f\u5730\u306e\u6240\u6709\u4fdd\u967a\u8a3c\uff09\u3068\u6e2c\u91cf\u8abf\u67fb\u8a3c\u304c\u5fc5\u8981\u306b\u306a\u308a\u307e\u3059\u3002<\/p>\n","protected":false},"excerpt":{"rendered":"

\u30ed\u30fc\u30f3\u3092\u5229\u7528\u3057\u3066\u304a\u5bb6\u306e\u8cfc\u5165\u3092\u3059\u308b\u5834\u5408\u3001\u304a\u5bb6\u63a2\u3057\u306e\u6700\u521d\u306e\u30b9\u30c6\u30c3\u30d7\u3068\u3057\u3066\u91d1\u878d\u6a5f\u95a2\u304b\u3089\u4f4f\u5b85\u30ed\u30fc\u30f3\u306ePre-approval\u3092\u3082\u3089\u3044\u307e\u3059\u3002Pre-approval\u3068\u306f\u3001\u53ce\u5165\u3084\u8ca0\u50b5\u3001\u8cc7\u7523\u72b6\u6cc1\u306b\u5fdc\u3058\u3066\u5e7e\u3089\u307e\u3067\u306e\u501f\u5165\u304c\u53ef\u80fd\u306a\u306e\u304b\u3092\u793a\u3057\u305f\u3082\u306e\u3067\u3059\u3002 \u8cfc\u5165\u91d1\u984d\u306e\u4e0a\u9650\u304c\u3064\u304b\u3081\u308b\u306e\u3067\u52b9\u7387\u7684\u306b\u304a\u5bb6\u63a2\u3057\u304c\u51fa\u6765\u307e\u3059\u3002\u307e\u305f\u30aa\u30d5\u30a1\u30fc\u306bPre-approval\u3092\u6dfb\u4ed8\u3059\u308b\u3053\u3068\u3067\u3001\u3053\u3061\u3089\u306e\u30aa\u30d5\u30a1\u30fc\u304c\u53d7\u7406\u3055\u308c\u3084\u3059\u304f\u306a\u308a\u307e\u3059\u3002 \u91d1\u878d\u6a5f\u95a2\u306e\u4e2d\u3067\u3082\u4f4f\u5b85\u30ed\u30fc\u30f3\u3092\u5f97\u610f\u3068\u3057\u3066\u3044\u308b\u3068\u3053\u308d\u3001\u305d\u3046\u3067\u306a\u3044\u3068\u3053\u308d\u3068\u304c\u3042\u308a\u307e\u3059\u3002\u8907\u6570\u30aa\u30d5\u30a1\u30fc\u304c\u540c\u6642\u306b\u5165\u308b\u512a\u826f\u7269\u4ef6\u3092\u8cfc\u5165\u3059\u308b\u306e\u306b\u306f\u3001\u5730\u57df\u3067\u4f4f\u5b85\u30ed\u30fc\u30f3\u3092\u5f97\u610f\u3068\u3057\u3066\u3044\u308b\u9280\u884c\u304b\u3089\u306ePre-approval\u3092\u5f97\u308b\u4e8b\u3067\u3001\u30aa\u30d5\u30a1\u30fc\u3092\u6709\u5229\u306b\u3059\u308b\u3053\u3068\u304c\u51fa\u6765\u307e\u3059\u3002\u6709\u540d\u3067ATM\u304c\u305f\u304f\u3055\u3093\u3042\u308b\u3088\u3046\u306a\u9280\u884c\u304c\u5fc5\u305a\u3057\u3082\u4e0d\u52d5\u7523\u306e\u696d\u754c\u3067\u8a8d\u77e5\u3055\u308c\u3066\u3044\u3066\u3001\u4f4f\u5b85\u30ed\u30fc\u30f3\u304c\u5f97\u610f\u3068\u306f\u9650\u308a\u307e\u305b\u3093\u3002\u5fc5\u8981\u306b\u5fdc\u3058\u3066\u9280\u884c\u3082\u3054\u7d39\u4ecb\u3055\u305b\u3066\u9802\u304d\u307e\u3059\u306e\u3067\u3001\u3054\u76f8\u8ac7\u304f\u3060\u3055\u3044\u3002 \u73fe\u5728\u306f\u91d1\u878d\u6a5f\u95a2\u304b\u3089\u9001\u3089\u308c\u308b\u30ea\u30f3\u30af\u304b\u3089\u30aa\u30f3\u30e9\u30a4\u30f3\u3067\u7533\u3057\u8fbc\u3080\u306e\u304c\u4e00\u822c\u7684\u3002\u305d\u3053\u306b\u5fc5\u8981\u66f8\u985e\u3092\u6dfb\u4ed8\u3057\u307e\u3059\u3002 \u4e00\u822c\u7684\u306bPre-approval\u3092\u5f97\u308b\u70ba\u306b\u5fc5\u8981\u306a\u66f8\u985e\u4e00\u89a7 INCOME\uff0f\u53ce\u5165 – \u904e\u53bb\uff12\u5e74\u9593\u306eW2\uff08\u65e5\u672c\u306e\u6e90\u6cc9\u5fb4\u53ce\u7968\u306b\u76f8\u5f53\uff09\u3068\u96c7\u7528\u4e3b\u306e\u4f4f\u6240 – \u5b9f\u8fd130\u65e5\u5206\u306ePay stub\uff08\u7d66\u4e0e\u660e\u7d30\u66f8\uff09 – \u7f72\u540d\u6e08\u307f\u306e\u904e\u53bb\uff12\u5e74\u9593\u306eFederal tax returns\uff08\u9023\u90a6\u7a0e\u7d0d\u7a0e\u7533\u544a\u66f8\uff09 \uff08\u4ee5\u4e0b\u306e\u5834\u5408\u306f\u8ffd\u52a0\u306b\uff09 – \u6295\u8cc7\u7269\u4ef6\u304c\u3042\u308b\u969b\u306f\u3001\u8cc3\u8cb8\u5951\u7d04\u66f8 – \u751f\u6d3b\u4fdd\u8b77\u3084\u5e74\u91d1\u53d7\u7d66\u306e\u5834\u5408\u306f\u3001\u53d7\u7d66\u66f8\u3068\u5b9f\u8fd1\u306b\u652f\u6255\u308f\u308c\u305f\u5c0f\u5207\u624b\u306e\u30b3\u30d4\u30fc – \u96e2\u5a5a\u3057\u3066\u3044\u308b\u5834\u5408\u306f\u3001\u2460\u5225\u5c45\u306b\u95a2\u3059\u308b\u5408\u610f\u66f8\u3082\u3057\u304f\u306f\u96e2\u5a5a\u5224\u6c7a\u3068\u3001\u2461\u914d\u5076\u8005\u3084\u5b50\u4f9b\u306b\u652f\u6255\u3063\u3066\u3044\u308b\uff0f\u652f\u6255\u3063\u3066\u3044\u308b\u6276\u990a\u624b\u5f53 \u904e\u53bb\uff11\uff12\u30f6\u6708\u9593\u306e\u652f\u6255\u8a3c\u660e DEBTS\uff0f\u8ca0\u50b5 – \u81ea\u5b85\u3092\u501f\u308a\u3066\u3044\u308b\u5834\u5408\u306f\u3001\u5927\u5bb6\u3055\u3093\u306e\u540d\u524d\u3068\u4f4f\u6240 – \u904e\u53bb\uff17\u5e74\u9593\u306b\u81ea\u5df1\u7834\u7523\u7533\u544a\u3092\u3057\u305f\u3053\u3068\u304c\u3042\u308b\u5834\u5408\u306f\u3001\u7533\u7acb\u66f8\u3068\u78ba\u5b9a\u66f8\u3001\u81ea\u7b46\u306b\u3066\u81ea\u5df1\u7834\u7523\u306e\u7406\u7531\u3001\u81ea\u5df1\u7834\u7523\u5f8c\u306e\u4fe1\u7528\u60c5\u5831 ASSETS\uff0f\u8cc7\u7523 – \u904e\u53bb\uff12\u30f6\u6708\u306e\u5f53\u5ea7\u9810\u91d1\u3001\u666e\u901a\u9810\u91d1\u3001\u8a3c\u5238\u53e3\u5ea7\u306e\u660e\u7d30\u66f8 – 401K\u306a\u3069\u9000\u8077\u8cc7\u91d1\u53e3\u5ea7\u306e\u660e\u7d30\u66f8\uff08\u5bb6\u306e\u8cfc\u5165\u306b\u8cc7\u91d1\u3092\u5229\u7528\u3059\u308b\u969b\u306f\u3001\u305d\u306e\u5951\u7d04\u6761\u4ef6\uff09 \u30af\u30ed\u30fc\u30b8\u30f3\u30b0\u524d\u306b\u9280\u884c\u306b\u63d0\u51fa\u304c\u5fc5\u8981\u306a\u66f8\u985e\u4e00\u89a7 – \uff08\u5951\u7d04\u306b\u5165\u3063\u305f\u6bb5\u968e\u3067\uff09\u4e0d\u52d5\u7523\u58f2\u8cb7\u5951\u7d04\u66f8 – \uff08\u30af\u30ed\u30fc\u30b8\u30f3\u30b0\uff12\u9031\u9593\u524d\u307e\u3067\u306b\uff09Home Owner\u2019s Insurance\uff08\u4f4f\u5b85\u4fdd\u6709\u8005\u4fdd\u967a\uff09\u306e\u4fdd\u967a\u4f1a\u793e\u306e\u62c5\u5f53\u8005\u540d\u3068\u9023\u7d61\u5148\u96fb\u8a71\u756a\u53f7 – \uff08\u30af\u30ed\u30fc\u30b8\u30f3\u30b0\uff11\u9031\u9593\u524d\u307e\u3067\u306b\uff09\u4e0a\u8a18\u4fdd\u967a\u52a0\u5165\u66f8 – \u624b\u4ed8\u91d1\u306e\u652f\u6255\u6e08\u5c0f\u5207\u624b\u306e\u30b3\u30d4\u30fc\uff08\u9280\u884c\u53e3\u5ea7\u306e\u30aa\u30f3\u30e9\u30a4\u30f3\u3084\u5e97\u982d\u3067\u5165\u624b\uff09 – \u904b\u8ee2\u514d\u8a31\u8a3c\u3068\u30bd\u30fc\u30b7\u30e3\u30eb\u30bb\u30ad\u30e5\u30ea\u30c6\u30a3\u30fc\u30ab\u30fc\u30c9\u306e\u30b3\u30d4\u30fc – \u65e2\u5a5a\u8005\u306f\u3001\u914d\u5076\u8005\u306e\u8eab\u5206\u8a3c\u660e\u66f8\u306e\u30b3\u30d4\u30fc Refinancing\/\u4f4f\u5b85\u30ed\u30fc\u30f3\u501f\u308a\u63db\u3048\u306e\u5834\u5408\u306f\u3001\u8cfc\u5165\u6642\u306eTitle Insurance 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