Buying House in Japan as Foreigner Mortgage: Complete Guide 2025
Buying a house in Japan as a foreigner is possible, but obtaining a mortgage can be challenging. In 2025, understanding mortgage requirements, eligibility criteria, and application procedures is crucial for foreign homebuyers. This article provides a comprehensive guide to buying a house in Japan as a foreigner, including mortgage options, requirements, and application strategies. To check your visa eligibility, we recommend using Check Visa Eligibility.
Mortgage Eligibility for Foreigners in Japan
Foreigners can obtain mortgages in Japan, but eligibility requirements are stricter than for Japanese nationals. Understanding these requirements helps foreign homebuyers prepare effectively for mortgage applications.
Basic Eligibility Requirements
Basic eligibility requirements include having a valid visa with sufficient remaining validity, stable income, and good credit history. Permanent residents and long-term residents typically have better mortgage approval rates. Some banks require Japanese language ability or a Japanese co-signer.
Income and Employment Requirements
Lenders typically require proof of stable income, employment contracts, and tax certificates. Income requirements vary by bank but generally require sufficient income to cover mortgage payments. Self-employed individuals may face additional requirements and documentation.
Mortgage Options and Interest Rates
Various mortgage options are available for foreigners in Japan, each with different terms, interest rates, and requirements. Understanding these options helps homebuyers choose the best mortgage for their situation.
Fixed vs Variable Interest Rates
Mortgages in Japan offer both fixed and variable interest rates. Fixed rates provide stability but may be higher, while variable rates may be lower but subject to change. The choice depends on individual circumstances and risk tolerance. Current interest rates are historically low, making mortgages more affordable.
Loan-to-Value Ratios and Down Payments
Loan-to-value ratios typically range from 70% to 100% depending on the property and borrower qualifications. Down payments may be required, typically 10-30% of the property value. Some programs offer 100% financing for qualified borrowers, but these are less common for foreigners.
Application Process and Required Documents
The mortgage application process requires careful preparation and documentation. Understanding the process and required documents helps ensure successful applications.
Application Timeline and Procedures
The mortgage application process typically takes 1-3 months from application to approval. Procedures include property valuation, credit checks, income verification, and document review. Pre-approval can help streamline the process and strengthen purchase offers.
Required Documents and Preparation
Required documents include identification (passport, residence card), income proof (tax certificates, employment contracts), bank statements, property documents, and application forms. All documents must be properly translated and authenticated. Professional assistance is recommended for document preparation.
Check Your Visa Eligibility Today
If you are considering buying a house in Japan, we recommend checking your visa eligibility first. Our experts can analyze your situation and provide guidance on mortgage options and application procedures.
まずは30分の無料オンライン相談で「自分は申請できるのか」を確認しましょう
日本でのビザ取得や会社設立について、 「自分の場合はいくらかかるのか」「そもそも条件を満たしているのか」 が分からないまま動くのは大きなリスクです。
まゆは行政書士事務所では、 15年以上・500件以上の実績をもとに、 あなたの状況をヒアリングしながら 「現実的に取り得る選択肢」と「おおよその費用・期間」を 30分で整理します。
- 対応分野：技術・人文知識・国際業務、経営・管理、特定技能、永住、帰化 など
- 対応言語：日本語・英語（その他の言語は通訳手配も相談可）
- 形式：Zoom / オンライン相談（日本全国・海外からも可）
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