Eligibility
Check you meet our criteria before you apply
Most declined inquiries fail on property type or location, not on credit. Answer the questions below to check whether your situation fits our lending criteria — it takes under a minute. This is a pre-check, not a credit decision or an offer. If your details fit, the next step is simply to contact us for an initial assessment.
Your result
Answer the questions above and your result will appear here.
The criteria in full
Every statement must be true
The check runs on the following criteria. In full, your situation fits how we lend when all of the following are true — at which point the next step is simply to contact us.
- The security property is a strata-titled residential apartment.
- The building is reinforced concrete (RC) or steel-reinforced concrete (SRC).
- The building was completed after 1990.
- The property is in one of the qualifying urban areas listed below.
- The loan required is between ¥15M and ¥525M.
- You can provide income evidence (tax returns or equivalent) and bank statements.
- You are over 20 at application and under 80 at loan maturity.
- You hold a passport from one of the eligible countries and regions — or Japanese Permanent Residency as a national of India, Indonesia, Malaysia or Brazil.
- You accept that the loan is full recourse to you personally.
Close, but not quite?
Borrowers from outside the listed jurisdictions, and loans above our usual maximum, are reviewed case-by-case. If you are close, it is worth telling us.
Where we lend
Five metropolitan areas across Japan
We lend against qualifying apartments in the prefectures and cities below. Properties outside these areas are not eligible, whatever their construction or price.
- Tokyo23 Wards, Musashino, Mitaka, Chofu, Komae, Koganei, Kokubunji, Kunitachi, Fuchu, Tama, Nishitokyo, Kodaira, Tachikawa, Hino, Akishima, Hachioji, Machida
- KanagawaYokohama, Kawasaki, Zushi, Kamakura, Fujisawa, Chigasaki, Yamato, Sagamihara (Minami & Chuo Wards)
- SaitamaSaitama, Toda, Warabi, Kawaguchi, Wako, Asaka, Niiza, Shiki, Fujimino, Soka, Koshigaya
- ChibaChiba, Urayasu, Ichikawa, Funabashi, Narashino, Matsudo, Kashiwa
- OsakaOsaka, Takatsuki, Ibaraki, Suita, Toyonaka, Settsu, Moriguchi, Kadoma, Higashiosaka, Sakai
- KyotoKyoto, Muko, Nagaokakyo
- HyogoKobe, Ashiya, Nishinomiya, Takarazuka, Itami
- AichiNagoya
- FukuokaFukuoka
- HokkaidoSapporo
Outside central Tokyo (the 23 Wards, Musashino, Mitaka and Chofu), the security property must be within a 10-minute walk of the nearest railway station.
Exclusions
What YEN LOANS does not currently finance
Published so that an inquiry can be ruled out in a minute rather than after a two-week application. These are eligibility exclusions, not credit decisions.
- Wooden or steel-frame construction, regardless of build year
- Buildings completed before 1990
- Detached houses and whole-building purchases
- Hotel-condominiums
- Akiya and other vacant or unmanaged stock
- Leasehold land (借地権, shakuchiken)
- Agricultural land
- Re-building prohibited land (再建築不可, saikenchiku fuka)
Some of these are fixed rules; others reflect where we lend today and may change. If your property is a near-miss — or not on the list at all — tell us what you are looking to finance and we will come back to you if it fits, now or later.
Register your interestNationality
Eligible countries and regions
YEN LOANS currently lends to nationals of the countries and regions below, evidenced by the passport you hold. Where you live does not change eligibility — a national of a listed country qualifies wherever they are resident. In addition, holders of Japanese Permanent Residency who are nationals of India, Indonesia, Malaysia or Brazil are eligible, even though those countries are not on the passport list below.
- Asia Pacific 9 Australia, China (Mainland), Hong Kong SAR, Japan, Singapore, South Korea, Taiwan, Thailand, Vietnam
- Americas 2 Canada, United States
- Europe 2 EU member states, United Kingdom
- Japan PR 4 Japanese Permanent Residents who are nationals of India, Indonesia, Malaysia or Brazil
Eligibility is by nationality, evidenced by your passport — or, for nationals of India, Indonesia, Malaysia or Brazil, by holding Japanese Permanent Residency. Holders of a passport not listed above, and without one of those qualifying routes, are not eligible, regardless of where they live, their income, or their deposit. If you do not qualify on one of these routes, please do not submit an application fee.
Income & documents
What documents you will need to provide
- Income evidence — tax returns or equivalent.
- Recent bank statements.
- A passport from an eligible country or region — or Japanese Permanent Residency, for nationals of India, Indonesia, Malaysia or Brazil.
- Identification and proof of address.
Income verification is accepted in English, Chinese or Japanese; offer documents are issued in English. Affordability is assessed against your verified income and existing debt commitments, in line with our lending criteria.
Effective annual rate (実質年率) within 14.6%, calculated on the principal net of fees; late-payment charge up to 20.0% p.a. Applications are subject to careful review and may be declined. Please check the terms of your agreement and borrow within your means. 慎重な審査の結果、お申込みの意に沿えない場合がございます。ご契約内容をご確認のうえ、ご利用は計画的に。 YEN LOANS K.K. — Money Lending Business Operators License, Governor of Tokyo (1) No. 31998. The approved Japanese disclosure is published in full under 貸付条件の表示.
Criteria last reviewed .
Next step
Talk to us about your case
If your situation fits the criteria above, the next step is an initial assessment — there is no application fee at this stage. Not sure yet? Estimate an indicative loan first.