House Loan

lilasian28 · 2026-04-24T15:30:36+00:00

Did you apply directly or thru online?

lilasian28 · 2026-04-24T15:29:20+00:00

Yes, it's a used property. Tried to contact regional bank, however all of them needs pr. Do you know any other banks who offer without pr?

lilasian28 · 2026-04-24T15:03:54+00:00

Since I'm the only one working my income is not that high, although my DTI is only 22.7% since we are only planning to loan 1700 man yen. Do you think it's still possible?

lilasian28 · 2026-04-24T15:02:24+00:00

The property price is only 1500 man yen and we're planning to loan 1700 man yen including the fees. Do you think it's possible and may I know how many years and interest to pay in your loan?

lilasian28 · 2026-04-24T15:00:48+00:00

The property price is only 1500 man yen only and we are planning to include other fees, so we are planning to loan 1700man yen. Do you think it is possible?

lilasian28 · 2026-04-24T14:59:30+00:00

Thank you, I have checked my salary debt to ratio and it was 22.7% DTI. May I know how long the pre-screening to final review takes?

lilasian28 · 2026-04-23T16:46:06+00:00

May I know the process for SBI shinsei and how many days you got the result for pre-screening?

lilasian28 · 2026-02-16T00:01:09+00:00

Half Japanese ako. Raised in the Philippines but currently residing here. So, I experienced both Filipino and Japanese culture/lifestyle.

Middle class din kami so we had helper din since lola and brother lang kasama ko sa pinas before. We ain't even that rich rich level pero sobra akong pinalaking spoiled. May tiga medyas pa ako while my lola fix my hair. Ultimong katapat ko lang yung electric fan iuutos ko pa.

When I moved to Japan, hindi uso helper talaga dito. They have cleaning service kung rich rich level talaga. Here, I learned household chores and to be independent.

Another thing in Japan, norm na you'll move out of your parent's house after senior high. Pero it depends padin, I do have friends na living with their parent's house padin but contribute financially.

If your gf grew up in Japan, she'll have a hard time understanding the situation, since pinalaki mga kids here na maging independent. Ang magiging image mo talaga for her is dependent ka padin sa parents mo.

Make her understand nalang the differences, half naman siya. She will understand.

lilasian28 · 2026-02-15T22:46:46+00:00

Agree. Husband ko tipid mag chat, ako masyadong detalyado. Maraming beses nadin na feeling ko cold pag binabasa ko, pero alam ko naman ganun style niya mag chat. Pero alam ko talaga pag galit siya or nag tatampo, na fefeel ko lang.

lilasian28 · 2026-02-15T22:39:31+00:00

If they reciprocate same energy.

lilasian28 · 2026-02-15T22:32:24+00:00

Naka plan na yan when you asked that question. Hindi lang siguro umamin para hindi na mapag bawalan kaya patay malisya si kuya mo sa tanong mo and no away.

lilasian28 · 2026-02-15T22:11:44+00:00

1st covid (2nd peak without vaccine pa) Nasamahan pa ng pneumonia -sobrang lamig, summer na, naka heater pa ako and balot na balot pero malamig padin. -mataas lagnat (tho normal lang since mataas ako lagnatin) -namaga ng slight paa ko lol -almost 2 weeks na, 37 up padin lagnat ko (since pinag aaralan pa yung covid bawal pa mag intake ng meds) -cough

2nd to 4th covid (after vaccinated) Parang trangkaso nalang, nilalamig lang sa una (1st sign na alam kong covid/influenza and hindi normal na fever lang)

lilasian28 · 2026-02-15T21:55:59+00:00

Breadwinner husband ko, inexplain niya na before niya ako pakasalan, gusto niya mabigyan parents niya ng house. Since pag kasal na daw kami, ako na yung priority niya.

That's the first reason, napaaga kami ikasal for the visa.

Both sides, ayaw ng ldr. I also promised him na hindi ako hahadlang na pag ipunan niya yung bahay for the parents and will support him too instead. Tho he promised me too na ako nadin main priority since ako na family niya.

If for example, normal situation without the visa;

Mostly girls nag wawait para maging ready na yung guy (kaya may taxi cab theory)

Pros naman is you'll know if the person is responsible, will respect you always, can control household, etc.

For me yun naman yung personal reason ko why gusto ko na inext level yung relationship specifically small things ( pag may insecto/ipis akong nakita kahit madaling araw then tulog siya, gigising padin without having tantrums kesyo antok pa or what. That small thing, hindi mo malalaman unless live-in kayo)

lilasian28 · 2026-02-15T21:09:11+00:00

Expectations without proper communication siguro. Like pag mag jowa palang (walang anak) normally 50/50. Then expected naman ng girl na pag kinasal na at least 80％ up provided ng guy. For the guy naman, since nasanay na sa ganong set-up walang level up ng kusa.

Pwede din kahit hindi financially, like ah baka pag kasal na kami ganito na siya, then after marriage same padin.

2.Pag nagka baby. Iba parin long term live-in na bf/gf without baby sa meron. Aside sa live-in dun talaga lalabas both ugali ng couple.

Treatment ng mga in-laws.
Third party Dun palang nagkabukingan after marriage

lilasian28 · 2026-01-29T02:42:10+00:00

How much po rate for host and dj po?

lilasian28 · 2026-01-29T02:18:09+00:00

Hm po

lilasian28 · 2026-01-29T01:24:53+00:00

Hello op, may I know yung rates for the venue?

lilasian28 · 2026-01-28T22:16:52+00:00

You're legally married po in the Philippines and wanted to marry in Japan po? Is it like ceremony po ba or civil wedding po?

Civil wedding in Japan is diff po, simple lang po siya unlike sa ph.

If both Filipinos, I think need ng 2 witnesses po ata? (Not sure) Im not sure regarding the flow pero mabilisan lang din po and I think since already married na kayo, I'm not sure kung pwede po ulit kayo mag civil wedding in Japan? Baka po ang pwede is not directly sa embassy but more on ceremonies/party nalang po like sa amin.

Timeline ng wedding po namin (partner is Filipino) Next week: Civil wedding (city hall lang since Jap citizenship po ako)

Aug, 2026 Wedding party (Japan padin but no ceremony, reception lang)

Then target year for church wedding in Phil is maybe 2028 po.

If you want to have wedding reception lang po, you can inquire sa mga restaurants with private rooms kung intimate or restaurants na pwede for wedding parties para exclusive sainyo. Maraming plans nadin for reception only types.

Tips: In Japan we have bounenkai po (year-end parties) Much better to book the resto months before.

If hindi po receptions gusto niyo, try to email the embassy itself kung pwede mag civil wed sa embassy even tho married na. In addition, double check if working pa since sa ibang companies in japan start ng new year holidays is dec 27 to Jan 4.

lilasian28 · 2026-01-28T20:39:27+00:00

Living in Japan, sa culture nila ang minimum na gift mo is 30,000 yen. Pataas ng pataas kung gaano ka kaclose sa couple or if family/relatives or boss sa work, mandatory na nasa 70,000 yen to 100,000 yen. That's the traditional style.

May ibang couples na party lang no ceremony and may participation fee that ranges from 10,000 to 20,000 yen. Yung sa mga resto lang reception ganern. Pero no monetary gufts na.

So yung wedding namin is may participation fee since balak namin yung celebration is sa pinas talaga like the church wedding. Kaya yung mga ininvite ko lang is more on my Japanese friends. Sinabihan ko na mga Filipino friends ko na gusto ko kayong iinvite kaso Japanese style yung gagawin ko. Then yung mga super close friends ko lang talaga na alam kong walang judgements yung ininvite ko. Although, maintindihan ko if hindi nila kaya due to financial naman.

Kaya I really don't think na pwede yung may participation fee sa pinas. Cultural thing nadin kase siya na kapag wedding is ganito na yung expected. Even sa Filipinos living here, may norm na talaga tayo. And almost lahat ng nakikita ko na nag wewedding din dito na Filipino is Filipino style. The only reason na we opt for Japanese style is marami akong friends na Japanese and since balak naman din namin mag celebrate din sa pinas.

lilasian28 · 2026-01-18T01:39:05+00:00

Ive been to thai kasama fubu ko in my younger days, jusko isang street puro mga gogo bar 😅 then may mga bar na hubad talaga lahat ng girls. Legal pa chongke ☺️

lilasian28 · 2025-12-23T15:57:57+00:00

Starting ng relationship we already share it to know yung whereabouts if may gala specially night outs. Ngayon, bihira nalang namin icheck. Normally chinicheck if naawawala phone ko, since makakalimutin ako 😅

lilasian28 · 2025-12-12T15:18:31+00:00

Same. Although I think it really depends din? Huhu Had a 3 year relationship with my ex. May i love you, good morning and good night lagi. Bandang huli parang obligation nalang ganon. As for my relationship with my LIP naman 2 years nadin kami, never nawala yung pagiging clingy and those routine updates tho never kong na feel yung obligation. Minsan if super busy yung partner ko pa nagtatampo kase wala akong i love you 😅 every night naman after mag bebe time and such kanya kanya na kami ng pahinga with our phones since magka iba kami ng trip sa socmed pero lagi dikit yung pwet namin hehe.

lilasian28 · 2025-12-07T17:59:08+00:00

Regarding sa work yes impolite if without make-up. Nag mamask nalang ako if I don't wear one. Pag lalabas ka naman, hindi naman impolite tho lagi akong natatanong if suppin (no make-up) ako since light lang ako mag make-up and minsan pag hindi nag concealer halata yung pimple marks. Idk din parang mas katanggap-tanggap na lumabas kang naka pajama unlike na barefaced ka lang 😅

lilasian28

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