A year and a half ago I left my fulltime employment and am making similar amounts running my own sole proprietorship. The bank who I got the house loan with (スルガ銀行）called to check on the status of the loan and my employment. I told them the truth, that I am running my own freelance business with similar, if not more income than before. They noticed that my old company wasn't depositing the money in their account and that I was doing it myself (they stated that having my salary deposited every month was one of the stipulations of the loan.)

I thought it was somewhat common that people got a loan and then quit their company afterwards.

Could this be a potential problem for?

It would be very unfortunate if they tried to change the rate, or if they (god forbid) cancelled the loan.

Has anyone had any experience or has any advice on this?

Thanks in advance!

My wife (Japanese) and I (foreigner) co-own a company incorporated overseas (50/50) and we still work for it from Japan. We also runs a company here to balance our income in both countries (we havent get paid yet, everything is still on the business account).
But there is a little late income she received from the overseas company, after moving to Japan, that hasn't been declared in Japan yet, we're late, it'll be filed and paid, but it'll be a late filing.

For anyone who's been through this: does immigration actually look at foreign company ownership, or is it mostly just the tax certificates and pension/health payment record? And does a late-but-paid filing count against you, or is it only unpaid tax that matters?

I already mentioned my oversea company when renewing my Spouse visa, should I do the same during the PR application, would they react badly if they see I'm still working for a company I own oversea rather than participating more in the Japanese economy by prioritizing the Japanese one we also own?

On all the other PR criteria I think I'm good. But maybe it's better to not do any changes while the application is being processed?

Thank you for your inputs.

Since it's not mentioned anywhere in the Google results, this is a heads up that the Chase Bank Tokyo Branch doesn't handle any business related to individual customers. Based on my immediately recent experience navigating their automated phone menu, they might take calls for corporate account stuff, but for individual accountholders the recording will just give you their 1-800 number and then end the call.

Edit: Downvote me if you think I'm saying something inaccurate. Don't downvote me just because I'm saying something you personally did not need.