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Feb 15, 2016

How do you make mortgage loan in Japan?

How much money do you need to show good credit for make mortgage loan in Japan. Who can be a guarantor for foreigners?

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klous

klous

I'm 28 years old, male, student.
I wanna move to Japan.

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4 Answers

  • Higgins

    Higgins

    on Feb 16

    There are guarantor companies here in Japan. I had to get one for my apartment. Cost is around 25,000 yen for 2 years. Paid all up front when you sign up for it. Don't ask me anything else about it because that's literally all I know...I don't even know the name of the company.

    -1
  • BigfamJapan

    BigfamJapan

    on Feb 16

    There is no straight answer for that. The figure will depend on how much you want to borrow and on the bank's policies. Generally speaking, they look at your general financial health - long term savings, investments, credit history etc. For a foreigner they look at your history here too and you may need to have permanent residency to borrow.

    1
  • trekkingbecky

    trekkingbecky

    on Feb 21

    I didn't have to pay for a guarantor because I just used my employer and/or my close friend when I needed one for my apartments. They have to be Japanese citizens. Not sure if that helps or not. :(

    -1
  • KpQuePasa

    KpQuePasa

    on Feb 24

    Hi Klous, Based on the types of questions you've been asking in the forum, I wonder if you've looked at hiring a relocation company to help you with your transition to Japan? I can't say they're all sunshine and roses to work with, but a relocation package through one of these companies (there are so, so many different relo companies in Japan!) can help you navigate the ins and outs of a VERY particular, paperwork and rules focused government to get bank accounts, finding housing, drivers license conversion, getting an ETC card and rail-pass, recommending resources like Japanese language classes, and registering with your local ward. They have native and non-native Japanese speakers, and are well versed in how what a foreigner needs to get on their feet here. I wonder if any other members of this forum have experience with these sorts of companies who can chime in?

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