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Japan – Property Financing

Mortgages for Foreign Nationals in Japan

Local banks and other lenders in Japan do issue mortgages to foreign nationals. Some of the local lenders that provide mortgages in Japan include:

It is advisable to research and compare the mortgage products offered by different lenders, taking into account interest rates, repayment terms, and any additional fees or charges.

Deposit When Buying a Property in Japan

The deposit required when buying a property in Japan typically ranges from 10% to 30% of the purchase price, depending on various factors such as the type of property, the location, and the lender’s requirements.

Responsibility for Outstanding Debts on the Property in Japan

In Japan, new property owners are generally not responsible for any outstanding debts on the property unless they have agreed to assume these debts as part of the purchase agreement. It is important to thoroughly investigate the financial history of a property before purchasing it, including any outstanding debts or liens, to ensure that you are aware of any liabilities that may arise.


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