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@neuric My company offers around 6 months of bonus for my grade (3*2) which can slide up and down now based on your performance. So it is not unheard off. I think you should likely choose the company as the pay is very similar and either company could duck your bonus, with the later company...

@skupi It is pretty common all over the globe to not give a reason why you are declined. If they did you could game the system. My best guess is that they are not into Niigata at all, have you considered using either an online cheap bank like AU jibun ginko or a local Niigata bank? By the...

@skupi There are so many reasons you can be declined. Unless you lay out the specifics it is difficult to answer. 1 person on the mortgage? Permanent resident? Stable job? History of working in Japan over 2 years? Retirement age at your company? Any medical history? Unpaid credit card debt? How...

@preciousklay 1) Please note that Paypay does not have the 5 year and 125% rules. This means that if the rate goes up next month, they can and will raise their rates immediately up to the maximum without cap. 2) These banks typically have base rates and a discount. Let's say AU JIbun has 2.5%...