At ¥192,000,000, the recurring payment and commute should drive the decision more than dated rooms. Cosmetic work and furniture can be spread over time; those two compromises return every month, and an accepted offer does not make them less important.
I would still wait for the inspection...
What loan amount and loan-to-value tier does the 3.04% quote assume? The ¥36,720,000 purchase price alone isn’t enough to compare it properly. I’d also ask each lender for the balance remaining after 10 years and what determines the rate once the fixed period ends.