All Your Real Estate Needs in Japan — Conveniently Together

Whether you’re renting for the first time, a foreign resident looking to buy, or an investor, our comprehensive real estate consulting services are designed to make your journey in Japan seamless, safe, and hassle-free.

    • Apartments, mansions, and detached houses

    • Short- and long-term rental options

    • Listings matched to your lifestyle and budget

    • English-speaking support throughout the rental process

    • Brand-new and second-hand properties

    • Detached homes, condos, and land

    • Rent-to-own and ready-for-occupancy options

    • Nationwide property search and guided viewings

    • Custom-made homes designed to your needs

    • Land search, architectural planning, and construction support

    • Legal paperwork and approvals handled for you

    • Support applying for FLAT 35 and private bank loans

    • Foreigner-friendly financing options

    • Help with document preparation and translation

    • Income combination and co-applicant strategies for couples

    • Sell your house, apartment, or land

    • Full legal and market support, even if you live abroad

    • Valuation, listing, negotiations, and contract handling

    • Multilingual staff (English, Japanese, and more)

    • Step-by-step guidance through Japan’s real estate system

    • Personalized service from inquiry to key handover

HOME LOAN PROCEDURES

  • property search & selection

  • preliminary consultation

  • preliminary screening

  • property purchase contract

  • formal loan application

  • loan approval & contract signing

  • loan disbursement & property settlement

  • start of monthly repayments

  • Post purcahse set up

    • Work with a real estate consulting like us; Sumika Realty Consulting

    • Confirm property eligibility (some loans like Flat 35 have condition requirements).

    • Decide whether it's a new build, used property, or land + construction.

    • Discuss:

      • Your income, visa/residency status, employment

      • Desired loan amount, term, and rate type (fixed/variable)

    • Get a loan simulation (estimated monthly payment, total repayment).

    1. Credit history

    2. Debt-to-income ratio

    3. Employment and visa stability

    • Time: 2–7 days

    ✅ If approved → proceed to property contract
    ❌ If rejected → try other banks or adjust terms

    • If the loan is pre-approved, the client can proceed to property viewings. Once a specific property is selected, we will contact the seller (maker) to initiate the contract agreement process.

    • (売買契約 / Baibai Keiyaku)

    • Sign a purchase agreement with the seller.

    • Pay a deposit (typically 5–10%) at the time of signing the purchase agreement. This deposit is usually refundable if the loan is not approved, provided a loan contingency clause is included in the contract.

    • Add a loan contingency clause (to cancel if loan is denied). Ps; Always ensure that the loan contingency clause (ローン特約 / rōn tokuyaku) is part of the contract. Without it, the deposit may not be refundable if the loan is denied.

    1. Final property details

    2. Purchase agreement

    3. Tax returns / salary slips

    4. Residence card, passport

    5. Proof of savings or other assets

      The bank performs a full review, including legal checks.

    • Time: 1–3 weeks

    • ( Kin-sen Shōhi Taishaku Keiyaku)

    • Sign the official loan contract at the bank.

    • Choose the disbursement date.

    • Finalize details like:

      1.Fire insurance

      2.Mortgage registration

      3. Bank account for repayment

      4. Property Final Inspection

    • Bank transfers the loan to the seller on the agreed date.

    • Property title is transferred to your name.

    • You receive the keys.

    • Repayments begin the following month (or as agreed).

    • Payment is usually auto-deducted from your bank account.

    • Register property tax

    • Set up home insurance (mandatory)

    • Notify local city hall for residency update

Note: All conditions and processes outlined above are tentative and may vary depending on each client’s individual circumstances, such as visa type, income level, employment status, and credit history. Additionally, procedures may be subject to change based on the policies of each bank and other situational factors.