I would like to note how I passed the mortgage review process.
It seems that one hurdle for ulcerative colitis patients is the screening process for group credit life insurance when obtaining a mortgage. The screening process seems to get tougher depending on the symptoms, especially if you have a history of hospitalization.
I have researched on the Internet, etc., and there seem to be several points that make it easier to pass the screening.
It seems that “Meiji Yasuda Life Insurance” is the most likely company to underwrite the group credit life insurance.
I heard that “Meiji Yasuda Life Insurance” is the underwriting company for the former Bank of Tokyo-Mitsubishi branch of the Bank of Tokyo-Mitsubishi UFJ. The former UFJ Bank is said to be Nippon Life Insurance.
If your condition is stable, I would ask your doctor to show that you have a strong prospect for a slowdown on your medical certificate before you are screened for a group credit.
I also used Bank of Tokyo-Mitsubishi UFJ’s flat.
Even if I did not have ulcerative colitis, I would have used the Bank of Tokyo-Mitsubishi UFJ’s Flat 35.
The reason for this is that it was definitely the cheapest of all the Flat 35s when comparing the premium for group credit life insurance, other expenses, and total repayment. If you search online, GE and other online mortgages seem to be cheaper, but the insurance premiums and other fees are much higher. In my case, I made a comparison chart of 18 banks at that time, and Flat 35 guaranteed by Bank of Tokyo-Mitsubishi UFJ was the cheapest. Probably it is still the same.
If there are any ulcerative colitis patients who are going to take out a mortgage in the future, please refer to this page.