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"content": "This was 2017, which was about 20 years ago. I went to the Akashi branch of SMBC. There were two bank employees and the representative of the builder there to help me through the process. At the time, they basically had me beta test the iPhone app for a mortgage application and boy did we find bugs. The reason to do the app or online application is to get the whatever discount on your mortgage rate. Lots of problems, lots of time, but it all worked in the end. Interest rate is 0.625%.",
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