住まいは、まずは申込書の住所にしっかり住んでいるかどうかが問題です。また何年くらい住んでいるか、持ち家か借家か、また同居人はいるか、1人暮らしか、なども参考とされます。これは、特に収入の判断というより、そのカード所有者が突然いなくなってしまうことがあるかどうか、を判断するものとも思えます。1人暮らしで借家なら、同居人がいて持ち家の人よりも貸し出しのリスクは上がると言うわけです。
年収は特に証明書をつけているわけでもないので、申込書類の申告額で審査しているように思われます。
For the residence, First of all the problem is if they are living in the address written on application form. Also, if how many years of stay, if the home owner is renting a house, if the person is living with the family, living alone are also used as reference.
In here, it is being judged if there is a possibility that the cardholder would suddenly disappear rather than the judgment of income. This is why I say that the risk of lending goes up compare to the people who live with their family in their own house than living alone in a rented house.
For the annual income, there is no need to give a certification so I think it is being screened by declared amount in application documents
