Insights
Guides to financing property in Japan
Answers to the questions buyers ask before they finance an apartment in Japan, whether they live here or overseas: who can borrow, which properties qualify, what it costs and how a purchase completes.
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Can a foreigner get a mortgage in Japan?
Who can borrow, which apartments qualify, the rate and fees, and how to buy from abroad, in one guide.
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Who qualifies, and which properties we lend on.
The rate, the down payment and the fees on a purchase.
Every step from the first inquiry to settlement.
Refinancing, equity release and renting out.
General information, not financial advice. Product terms are set out under Loan terms, all costs under Fees, and the qualifying tests under Eligibility.
Getting a mortgage in Japan from overseas
Yes. You can arrange a YEN LOANS mortgage on a Japanese apartment entirely from overseas, without living in Japan, traveling there or holding a Japanese bank account.
How closing works when you buy property in Japan
Closing, called settlement (決済, kessai) in Japan, is the day a Japanese property purchase completes. Your loan and your own funds pay the seller, ownership passes to you, and the transfer and your mortgage are registered together at the Legal Affairs Bureau.