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    First-time buyer in Osaka: cash buffer after a ¥144,600,000 purchase

    I’m considering a 2-bed serviced apartment in Osaka for ¥144,600,000. After the deposit and estimated closing costs, I’d have about ¥2,142,000 left. That remaining cash would need to cover the emergency fund, moving, any immediate work from the inspection, furniture, insurance excess and the...
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    Osaka apartment costs: should I assume higher insurance and reserves are permanent?

    The Osaka apartment is affordable at the purchase price. My concern is whether the building’s rising insurance premium and reserve contributions make the ongoing cost unattractive. I’m inclined to assess it using today’s association charges rather than assume they will fall, then test a further...
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    How much negotiating room after 100 days in Osaka?

    One view is that 100 days gives a buyer leverage; the other is that it means little when comparable Osaka villas take just as long to move. I am looking at one asking ¥197,400,000, with seemingly similar properties spread from ¥157,900,000 to ¥236,800,000. The market does not look uniformly...
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    Insurance and reserves are changing the maths on an Osaka apartment

    Before I decide whether to proceed, I need to resolve a trade-off: the Osaka apartment is affordable at ¥48,960,000, but its continuing building costs now weaken the case for buying rather than renting. The master policy premium and contributions to the shared reserve have both increased...
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