ブログ
2025-05-02
Can I Get a Home Loan in Japan Without Permanent Residency?
Can I Get a Home Loan in Japan Without Permanent Residency?
Yes, you can. Many foreigners are surprised to learn that getting a mortgage in Japan is possible—even without permanent residency (PR).
In this guide, we’ll explain how non-PR residents can successfully apply for a home loan in Japan, what conditions are required, and which banks are most likely to approve your application.
✅ Who Can Apply for a Home Loan in Japan Without PR?
Although many Japanese banks prioritize applicants with PR, some financial institutions accept long-term residents with stable income and a strong financial profile. You may qualify for a mortgage if you:
Have a long-term or work visa
Are employed full-time in Japan
Have lived in Japan for several years
Have a Japanese spouse or co-borrower
Can provide a sizable down payment (often 20% or more)
💡 Tip: Even without PR, you can still be eligible for a home loan if your overall financial situation is stable.
Working with a mortgage broker who specializes in foreigners can significantly improve your chances and simplify the process.
📄 Required Documents for a Japanese Home Loan
To apply for a mortgage, prepare the following:
Residence card (Zairyu Card)
Passport
Certificate of employment
Annual income documentation (like 源泉徴収票)
Bank statements
Visa details and remaining validity period
Property purchase information
💬 Frequently Asked Questions
❓ Can I buy a house in Japan as a foreigner?
Yes. There are no legal restrictions on property ownership for foreigners in Japan.
❓ How much down payment is needed without PR?
It depends on the bank, but many require 20–35% down payment for non-PR applicants.
❓ Do I need a guarantor?
Some banks require a Japanese guarantor or co-borrower. If you’re married to a Japanese national, applying together can be an advantage.
📈 Advantages of Getting a Mortgage in Japan
Japanese mortgage rates are extremely low compared to many other countries.
Real estate can be a solid long-term investment, especially in major cities.
📌 Final Thoughts
Getting a home loan in Japan without permanent residency is possible and it’s increasingly common. As Japan becomes more international, more banks are open to supporting foreign residents who wish to settle down here.
If you’re planning to live in Japan long-term, don’t let your PR status hold you back from owning a home.
🧭 Need Help? Contact Us!
We specialize in helping foreign residents in Japan find the right mortgage solutions. Contact us for a free consultation. we’ll walk you through the process step by step in English.
Yes, you can. Many foreigners are surprised to learn that getting a mortgage in Japan is possible—even without permanent residency (PR).
In this guide, we’ll explain how non-PR residents can successfully apply for a home loan in Japan, what conditions are required, and which banks are most likely to approve your application.
✅ Who Can Apply for a Home Loan in Japan Without PR?
Although many Japanese banks prioritize applicants with PR, some financial institutions accept long-term residents with stable income and a strong financial profile. You may qualify for a mortgage if you:
Have a long-term or work visa
Are employed full-time in Japan
Have lived in Japan for several years
Have a Japanese spouse or co-borrower
Can provide a sizable down payment (often 20% or more)
💡 Tip: Even without PR, you can still be eligible for a home loan if your overall financial situation is stable.
Working with a mortgage broker who specializes in foreigners can significantly improve your chances and simplify the process.
📄 Required Documents for a Japanese Home Loan
To apply for a mortgage, prepare the following:
Residence card (Zairyu Card)
Passport
Certificate of employment
Annual income documentation (like 源泉徴収票)
Bank statements
Visa details and remaining validity period
Property purchase information
💬 Frequently Asked Questions
❓ Can I buy a house in Japan as a foreigner?
Yes. There are no legal restrictions on property ownership for foreigners in Japan.
❓ How much down payment is needed without PR?
It depends on the bank, but many require 20–35% down payment for non-PR applicants.
❓ Do I need a guarantor?
Some banks require a Japanese guarantor or co-borrower. If you’re married to a Japanese national, applying together can be an advantage.
📈 Advantages of Getting a Mortgage in Japan
Japanese mortgage rates are extremely low compared to many other countries.
Real estate can be a solid long-term investment, especially in major cities.
📌 Final Thoughts
Getting a home loan in Japan without permanent residency is possible and it’s increasingly common. As Japan becomes more international, more banks are open to supporting foreign residents who wish to settle down here.
If you’re planning to live in Japan long-term, don’t let your PR status hold you back from owning a home.
🧭 Need Help? Contact Us!
We specialize in helping foreign residents in Japan find the right mortgage solutions. Contact us for a free consultation. we’ll walk you through the process step by step in English.