Resources
Guides, tools and documents for buying in Japan
Everything on this site that you can take away, forward to a client, or use before you speak to us: a buyer’s primer, the product flyer, the two calculators, the borrower journey and the regulatory documents.
Buyer’s primer · September 2026 edition
Buying Property in Japan With Financing
A 13-page guide for overseas and foreign-resident buyers. It covers the asset and why people buy it, what is specific to Japan, the sequence from interest to ownership, why domestic banks say no, what the company route really costs, and how YEN LOANS lends without the domestic prerequisites.
- What foreign buyers should know about the asset
- The lifestyle case
- What is specific to Japan
- How a purchase works
- Financing: the gap
- The company route
- How YEN LOANS assists
- Important lending information
- Where to start
Product summary
The product flyer
All Japan Tracker · two pages
The product on one sheet
Rate basis, loan size, term, the LTV table, fees, eligible property and countries, and the application steps — to keep, print, or forward to a broker or adviser.
Tools
Check where you stand before you apply
Two short tools, both run in your browser. Neither stores what you enter, and neither commits you to anything.
Eligibility check
About a minute: the property, borrower and income tests, with the full criteria beneath it.
Check your eligibilityMortgage calculators
Borrowing power from your income, or the indicative rate and monthly repayment on a specific property, in your own currency.
Open the calculatorReading
How it works in practice
Borrower journey
Financing a Tokyo home before the move
A real transaction in the borrower’s own words: an Australian abroad who expected to pay cash and financed the purchase on overseas income.
Read the journeyProcess
From inquiry to settlement, in four steps
The documents at each step, and how settlement works in Japan without travelling.
See the processFAQ
Questions borrowers ask before applying
Thirty-two answers on who can borrow, the property, pricing, costs and taxes, and life during the loan.
Read the answersFees
Every fee, set out in full
What YEN LOANS charges, when each fee is paid, and the other costs of buying in Japan.
See the feesRegulatory and company
The statutory documents
- 貸付条件・手数料・貸金業登録番号The regulator-approved Japanese disclosure: loan conditions, the fee table and the registration number.
- Company profile (会社概要)Registered office, representative, registration, JFSA membership and the designated credit bureau.
- Privacy policyHow personal information is collected, used and disclosed under Japan’s APPI. English and Japanese.
- Anti-Social Forces PolicyThe basic policy required of a registered money lender. English and Japanese.