Why a Property Change Can Cause Bank Loan Rejection
Yes, even after loan pre-approval, the property itself can cause the bank to say “No.”
Let me share a real situation:
A client was originally approved for a ¥25,000,000 property.
But later, they decided to switch to a ¥13,000,000 property
I addressed the concern immediately:
“This property may have an issue with bank evaluation as the property is much older, doesn’t meet the current structure requirements, if appraised the total asset value is about 70%lower than the actual pricing.Some documents are lacking and required 3rd party inspection for certification”
Unfortunately, that’s exactly what happened.
The loan was rejected, not because of the client — but because the property valuation did not meet the bank’s standards.
Why does this happen?
Banks don’t only assess you.
They also assess the property 
— as collateral.
(In case of default they will seized(auction) the property and sell to collect liability)
If the property is:
Too old
Lacking earthquake resistance or up-to-date building certification
Low valuation
In a low-demand or irregular location
*some newly build properties sometimes doesn’t meet the standard also required certain documents or inspection.
Then the bank may judge it as too risky and decline the loan — even if it’s cheaper.
The good news?
We are scheduled to resume the home search and loan process — this time with carefully matched properties that meet both the client’s needs and the bank’s criteria.
My Approach:
As an independent real estate agent, I support clients by:
Screening properties for loan compatibility
Due diligence
Giving honest, early feedback
Making sure time and effort aren’t wasted on mismatches
Buying a home is a big decision — but no one wants to fall in love with a property that won’t pass the bank.
Let’s make smart and secure choices from the start.
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