Is it possible for an individual to borrow as much as 13 million yen at once for investment purposes?

It is possible.However, it is not the case that anyone can borrow unconditionally; it is heavily dependent on annual income, creditworthiness, and asset status.

■ Which methods make this possible?

・Bank loans (free loans/card loans)

If it is a bank,

・High annual income
・No issues with credit information

in these cases, borrowing over 10 million yen is realistically possible. However, the screening is quite strict.

・Securities company margin trading (leverage)

This is not in the form of borrowing cash, but rather,

・Increasing the transaction amount based on available funds

is the method. For example,

・3 million yen in funds → trading on a scale of about 9 million yen at 3x leverage

is possible.

・Real estate investment loans

This is the method where you can borrow the largest amount for investment purposes.

・Tens of millions to hundreds of millions of yen are possible
・Using the property as collateral

Therefore, 13 million yen is actually on the smaller side.

■ Restrictions (Important)

・Total volume control under the Money Lending Business Act

With consumer finance companies, etc.,

・Up to 1/3 of annual income

There is a restriction. In other words, to borrow 13 million yen,an annual income of 39 million yen or more is required.

・Banks are different

Banks are exempt from this regulation, but

・Unique strict screening
・Confirmation of repayment ability

exist, soultimately, high creditworthiness is required.

■ Realistic line

Roughly speaking,

・High annual income (approx. 6-10 million yen or more)
・Stable job (full-time employee, civil servant, etc.)
・Good borrowing history

If these conditions are met,13 million yen is within a realistic range.

■ Risks

When borrowing for investment purposes,

・Repayment obligation remains even if a loss occurs
・There is an interest burden
・Mental burden is significant

therefore,it is a highly difficult endeavor.

■ Summary

・Borrowing 13 million yen is possible
・However, strong creditworthiness and income are required
・There is a total volume regulation for consumer finance
・It is realistic for banks or real estate loans

In other words,the reality is that "those who can do it can, but it will almost certainly not be approved unless the conditions are met." is the situation.

Basically, it is impossible.With an average annual income, borrowing 13 million yen by hopping between consumer finance companies isalmost entirely blocked both institutionally and practically.

■ The main reason (Total Volume Control)

Under the Money Lending Business Act,

・Total borrowing is limited to "up to 1/3 of annual income"

This is fixed. For example,

・Annual income of 4 million yen → Borrowing limit of approximately 1.33 million yen

In other words,you cannot exceed this total limit regardless of how many companies you borrow from.

■ Why "hopping" does not work

There was a time when it was possible, but that is no longer the case.

・Credit information is shared

Consumer finance companies can check:

・Borrowing amounts from other companies
・Application history

Therefore,even if you split it across multiple companies, it will be discovered immediately.

・Stopped at the time of application

If you apply to multiple companies in a short period,

・You are judged as having "risky cash flow"
・Screening becomes stricter

As a result,it actually becomes harder to borrow.state.

・The lender also becomes illegal

If they lend beyond the total volume control,

・The money lending business itself is illegal

In other words, it is a structure that lenders will never allow you to exceed.

■ Are there any exceptions?

It is not completely zero, but it is quite limited.

・Very high annual income
・Treated as business funds (sole proprietorship)
・Combined with a bank loan

and so on. However, this falls outside the premise of an "average annual income."

■ Reality

In the case of an average annual income,

・Consumer finance → Several hundred thousand to at most 1 million yen range
・Even with multiple companies combined, 1/3 of annual income

It stays within this range.

■ Summary

・Upper limit is 1/3 of annual income due to total volume regulations
・Information is shared between consumer finance companies
・Even if you go from one to another, the total is restricted
・13 million yen is almost impossible with an average annual income

In short, the reality is that the structure of "being able to break through by using multiple companies" does not currently exist.

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AI-generated, for reference only.