own your home Your own way

Yes ! Foreigners Can Get a Home Loan in Japan. If you’re a foreigner living in Japan, you can apply for a home loan and many do! Whether you’re planning to stay long-term, relocate, raise a family, or invest in your future, owning a home in Japan is possible and we’re here to help you through every step.

Your dream home in Japan is not just possible , it’s within reach. Let’s build it together.

  • We assist with:

    • Understanding loan requirements

    • Connecting with foreigner-friendly banks

    • Preparing necessary documents (visa, income proof, residence status)

    • Translating and explaining the process in clear terms

    • Japanese Citizens, Permanent residence or long-term visa, Humanities visa, etc.

    • Stable income in Japan

    • Down payment (typically 10–20%). All though we could negotiate to come up with no downpayment depending of the client’s credit records and annual income.
      But don’t worry — we’ll help you assess your eligibility and match you with the right lender.

    • Brand-New Single Detached Houses

    Move-in-ready homes built with the latest safety and energy-saving features.

    • Second-Hand Single Detached Houses

    Affordable and full of potential — great for customization or budget-conscious buyers.

    • Mansions (Condo Apartments)

    Well-maintained buildings with strong resale value and modern facilities. Ideal for city living.

costumized built house

Looking for something more personal than a ready-made home? With a custom built house, you can build a home in Japan that’s tailored to your lifestyle, family needs, and long-term goals.

Yes — even as a foreigner, you can buy land and build your own house in Japan. And we’re here to help every step of the way. We’ll make the process smooth, transparent, and foreigner-friendly.

  • It’s a custom-built home, created from the ground up based on your preferences. You choose the layout, size, style, and features — with full professional support throughout the design and construction process.

    • Land search and purchase assistance

    • Introduction to trusted architects and builders

    • Budget planning and construction quotes

    • Design approvals and legal paperwork

    • Construction supervision and move-in support

    • 100% tailored to your needs

    • Choose your ideal location

    • Energy-efficient, earthquake-resistant modern builds

    • Long-term value and peace of mind

Ready for occupancy homes

Looking for a brand-new home that’s ready when you are?
Welcome to the world of Modern Built-for-Sale Homes, known in Japan as Tatteuri Jūtaku — thoughtfully designed, professionally constructed houses that are move-in ready the moment you purchase.

Unlike custom-built homes that require long design and construction timelines, tatteuri homes are pre-built by trusted developers and available for immediate occupancy

    • Modern layouts tailored to today’s lifestyle

    • High construction standards that meet all Japanese safety regulations

    • Transparent pricing with no hidden costs

    • Convenient locations in well-planned residential areas with access to schools, transport, and shopping

    • The ability to see exactly what you’re buying before committing

    1. Types of Mortgages

      • Fixed-rate loans: Interest rate stays the same throughout the loan term, giving payment stability.

      • Variable-rate loans: Interest rate can fluctuate with the market, often starting lower but with some risk.

      • Hybrid loans: Combination where the rate is fixed for an initial period, then variable afterward.

    2. Loan Term

      • Commonly ranges from 15 to 35 years, depending on borrower’s age and lender’s policy.

    3. Down Payment

      • Typically 10% to 20% of the property price, though some banks may accept less with stricter requirements.

    4. Eligibility Criteria

      • Proof of stable income (usually employment with a Japanese company or self-employed with good documentation).

      • Japanese residency or sometimes permanent residency/visa status required.

      • Credit history and financial background check by the lender.

    5. Application Process

      • Pre-approval can be obtained before house selection, giving you a clear budget.

      • Final loan approval follows contract signing and submission of property documents.

    6. Fees and Costs

      • Loan application fees: Typically 1%–3% of loan amount or fixed fee.

      • Guarantee fees: Many Japanese banks require a guarantor company, charging a guarantee fee (often 1–3% of loan).

      • Insurance: Fire insurance and sometimes earthquake insurance required.

      • Other costs: Stamp duty, registration fees, and miscellaneous administrative fees.

    7. Repayment

      • Monthly payments usually combine principal and interest.

      • Early repayment options exist but sometimes include penalties.

    8. Special Programs

      • Some government subsidies or reduced tax programs exist for new homeowners, energy-efficient homes, or first-time buyers.

  • 1.Personal Documents

    • Valid passport and/or Japanese residence card

    • Personal identification (driver’s license, My Number card, etc.)

    • Proof of Japanese address (e.g., utility bill or resident card)

    2.Income and Employment

    • Recent payslips (last 3 to 6 months)

    • Certificate of employment or employment contract

    • Latest income tax certificate or tax return documents if self-employed

    • Bank statements (last 3 to 6 months)

    3.Property Documents

    • Sales contract or reservation agreement for the tatteuri home

    • Property registration certificate or building completion certificate.

    • Floor plans and building specifications.

    4.Financial Documents

    • Bank statements (to show savings or down payment funds)

    • Details of other debts or loans (if any)

    • Proof of payment for reservation deposit or down payment.

    5.Application Forms and Related

    • Completed mortgage application form (provided by lender)

    • Consent forms for credit checks and background verification

    • Guarantor information and consent (if required)

    Insurance

    • Fire insurance application

    • Earthquake insurance (optional but recommended)