Yen Loans All Japan

(TIBOR 0.98727% p.a. + 3.50% p.a.)
as of 18 March 2026

Loan Purpose
New Purchases, Refinancing,
Equity Release (cash-out)

Loan-to-Value (LTV) Ratio
Up to 60% LTV

Loan Tenor
Up to 35 years

Loan Amounts
JPY 15M - 525M

Eligible Property Types
Condominiums/apartments built after 1990 in:

Greater Tokyo: All of Tokyo, Yokohama, Kawasaki, and select areas of Kanagawa, Saitama, and Chiba
Kansai: Osaka, Kyoto, and Kobe
Central Japan: Nagoya
Kyushu: Fukuoka
Hokkaido: Sapporo

Global Eligibility

Support residents from 13 countries and regions including:

No Requirement For

Use the form below to share information with us about the condo you are looking to finance, so that we can give you preliminary guidance on whether the properties you are considering are suitable for financing. This includes evaluating the property's location, condition, value, etc., in addition to background on your source of income and net worth. We don’t want you to submit an application which is unlikely to get approved.
Work directly with Yen Loans or your mortgage referrer to complete and submit the loan application form along with all the required documents and required non-refundable application fee.
We review your application. Generally, we issue confirmation of conditional approval and loan terms within 10 business days.
When all checks out, we will issue the formal loan approval and send you the documents for signing.
Your settlement is finalized!

Question not answered?

At present, we can only finance condominiums built after 1990.
We generally only lend to individuals, but can consider small corporate entities created specifically to hold real estate (i.e., not operating other lines of business).
Yes, our entire application process can be completed remotely. We handle all documentation and legal requirements without requiring your physical presence in Japan.
Tax obligations vary by country. Consult with a tax advisor familiar with international property investment and your local tax laws.
Your loan and payments are in Japanese yen. Currency fluctuations will affect the equivalent amount in your home currency. Consider currency hedging strategies with your financial advisor.
Fire and earthquake insurance are mandatory for all financed properties. We can recommend approved insurance providers familiar with non-resident requirements.
Yes, rental income can help service your mortgage. We can connect you with property management companies specializing in non-resident landlords.