Japnese politicians sometimes say to legalize casinos in Japan.
But Japanese casinos have never been set up legally.
Will not Japanese casino be set up in future?
I think Japanese nation will set up the casinos in near future.
Recently, almost Japanaese agree with legalizing casinos because we need to accept th profit from the casinos.
I think that recent issue has been changed from whether casions are needed to when casinos are legalized.
Takeshi Iwaya, who is the chairperson of casino entertainment study group, said that they would submit the bill to the Diet after the general election.
So far, Taro Aso, the prime minister of Japan, has not decided the dissolve.
But some experts say that the prime minister will dissolve after the decision of the bill related the budget on 2009.
So we can hope the legalizing casino news in this year or next year.
Monday, January 12, 2009
Monday, December 22, 2008
The timig of taking a contract
Which is better for taking a contract mortgage loan right now or 10 years later?
I think it depends on the term of your repaying mortgage loan.
Generally, the mortgage loan for the foreingers who do not have a permanent residency is high.
If you reduce the amount of having a mortgage loan, the total amount of repaying will be reduced very much.
And if you acquire the permanent residency after 10 years, the rate of mortgage loan you can take a contract will be reduced very much.
I think purchasing 10 year later will be better in alomost cases.
I think it depends on the term of your repaying mortgage loan.
Generally, the mortgage loan for the foreingers who do not have a permanent residency is high.
If you reduce the amount of having a mortgage loan, the total amount of repaying will be reduced very much.
And if you acquire the permanent residency after 10 years, the rate of mortgage loan you can take a contract will be reduced very much.
I think purchasing 10 year later will be better in alomost cases.
Sunday, December 21, 2008
Japanese Mortgage For Foreigners
Japanese mortgage rate is very low independent of the type of loan, which is adjustable or fixed.
But alomost Bank requires foreigners to hold a title to live in Japan permanently.
Some Banks do not require. But the rate by the Banks is generally high.
So if you would like to take a contract regarding mortgage loan, you had better to study whether you wait to acquire the right of permanent residence.
But alomost Bank requires foreigners to hold a title to live in Japan permanently.
Some Banks do not require. But the rate by the Banks is generally high.
So if you would like to take a contract regarding mortgage loan, you had better to study whether you wait to acquire the right of permanent residence.
Saturday, December 20, 2008
Japanese Mortgage
Are you interested in making a contract regarding Japanese mortgage loan?
If you don't study adjustable-rate enough, I recommend to study the concrete merit and demerit on adjustable-rate mortgage.
★ The demerit of Adjustable-rate mortgage
The rate of Adjustable-rate mortgage is adjusted to the key interest rate of Bank of Japan. (So far, the rate is 0.1%).
We have never seen such low rate in Japan.
So far, world economics is very bad. So this rate is reasonable.
But this rate will rise according to the recovery of economics.
If the key interest rate rise, your mortgage payment must rise.
What is difficult to plan the mortgage payment is the demerit of adujustable-rate mortgage.
★ The merit of Adujustable-rate mortgage
Generally, the rate of adujustable-rate mortgage is lower than the rate of fixed-date mortgage.
For example, the lowest rate of adjustable-mortgage loan in Japan is the 1.075% by Sumitomo Trust Bank.
On the other hand, the lowest rate of 35 years fixed-mortgage loan is 2.520% by Sumitomo SBI net Bank.
It is the merit of the adujustable mortgage payment that mortgage payment is low so far.
★ Consideration Factor
It is very importatn to consider the speed of payment and the speed of rising economics.
If the speed of payment is faster, the people who select the adjustable mortgage loan can win.
If the speed of rising economics is faster, the people who select the fixed amortgage loan can win.
In my condition, I decided to select the adjustable mortgage loan.
If we select reasonable answer, we need to know the Japanese economics and Family budget enough.
I will write my forcast regarding Japanese economics and Japanese key interest later.
Japanese mortgage webpage
http://mortgagefan.blogspot.com/2008/09/4000sbi-5590-5780-12.html
If you don't study adjustable-rate enough, I recommend to study the concrete merit and demerit on adjustable-rate mortgage.
★ The demerit of Adjustable-rate mortgage
The rate of Adjustable-rate mortgage is adjusted to the key interest rate of Bank of Japan. (So far, the rate is 0.1%).
We have never seen such low rate in Japan.
So far, world economics is very bad. So this rate is reasonable.
But this rate will rise according to the recovery of economics.
If the key interest rate rise, your mortgage payment must rise.
What is difficult to plan the mortgage payment is the demerit of adujustable-rate mortgage.
★ The merit of Adujustable-rate mortgage
Generally, the rate of adujustable-rate mortgage is lower than the rate of fixed-date mortgage.
For example, the lowest rate of adjustable-mortgage loan in Japan is the 1.075% by Sumitomo Trust Bank.
On the other hand, the lowest rate of 35 years fixed-mortgage loan is 2.520% by Sumitomo SBI net Bank.
It is the merit of the adujustable mortgage payment that mortgage payment is low so far.
★ Consideration Factor
It is very importatn to consider the speed of payment and the speed of rising economics.
If the speed of payment is faster, the people who select the adjustable mortgage loan can win.
If the speed of rising economics is faster, the people who select the fixed amortgage loan can win.
In my condition, I decided to select the adjustable mortgage loan.
If we select reasonable answer, we need to know the Japanese economics and Family budget enough.
I will write my forcast regarding Japanese economics and Japanese key interest later.
Japanese mortgage webpage
http://mortgagefan.blogspot.com/2008/09/4000sbi-5590-5780-12.html
The attractive cities in the world.
The British consultant company has investigated the attractive cities in the world.
http://www.mercer.com/pressrelease/details.htm?idContent=1307990
The research indicates Yokohama is the third attracitve city in the Asia region.
I think it is reasonable regarding some criterias. But I think some charm points of Yokohama city are more attractive than Tokyo.
One of them is the amount of stress.
Tokyo is very convinient and we can transfer to any place and catch various information.
But such many people live or work in Tokyo. So any place is too crowded.
On the other hand, Yokohama is very convinient and we can transfer to any plaace and catch various information but the streess we receive is less than Tokyo.
I think this criteria is very important.
If you are interesting in Japanese life, I recommend to see Yokohama-city.
.
http://www.mercer.com/pressrelease/details.htm?idContent=1307990
The research indicates Yokohama is the third attracitve city in the Asia region.
I think it is reasonable regarding some criterias. But I think some charm points of Yokohama city are more attractive than Tokyo.
One of them is the amount of stress.
Tokyo is very convinient and we can transfer to any place and catch various information.
But such many people live or work in Tokyo. So any place is too crowded.
On the other hand, Yokohama is very convinient and we can transfer to any plaace and catch various information but the streess we receive is less than Tokyo.
I think this criteria is very important.
If you are interesting in Japanese life, I recommend to see Yokohama-city.
.
Thursday, December 18, 2008
How cheap Japanese stock is!
It is difficult to find the target of an investment now.
Japanese yen is so expensive. The interest rate of a fixed deposit in Japan is so cheap. The interest rate of Japanese national bond is also cheap.
Where is an attractive target?
I think it is the stock of Japanese company.
For example, Stock price of Panasonic is very cheap. The price is 1026 yen today.
PBR(price book value ratio) of Panasonic is 0.58!
Panasonic is not so famous in countries other than Japan.
But Panasonic is the one of the most excellent company in Japan.
A popularity poll from Japanese students who are hunting job indicates Panasonic is the third position in all of Japanese companies.
And US Patent Top 10 in 2006 indicates that Panasonic is the fourth position which is higher than the position of INTEL.
I think that Panasonic stock is a good target for an investment.
Japanese yen is so expensive. The interest rate of a fixed deposit in Japan is so cheap. The interest rate of Japanese national bond is also cheap.
Where is an attractive target?
I think it is the stock of Japanese company.
For example, Stock price of Panasonic is very cheap. The price is 1026 yen today.
PBR(price book value ratio) of Panasonic is 0.58!
Panasonic is not so famous in countries other than Japan.
But Panasonic is the one of the most excellent company in Japan.
A popularity poll from Japanese students who are hunting job indicates Panasonic is the third position in all of Japanese companies.
And US Patent Top 10 in 2006 indicates that Panasonic is the fourth position which is higher than the position of INTEL.
I think that Panasonic stock is a good target for an investment.
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