Real Estate Japan Residential Property Financing Criteria for Foreigners in Japan

Written by Kenneth Arbour, Century 21 SKY Realty

Editor’s Note: Kenneth Arbour is the President of Century 21 SKY Realty which has been serving the foreign community in Tokyo for all real estate needs for over 20 years.


If you’re long term in Japan then who hasn’t considered buying rather than renting? Rather than paying off someone else’s mortgage, it is always better to pay off your own. However, for foreign people living in Japan, one obstacle has always been a factor; where to get financing.

Below I outline which banks here in Tokyo are offering foreign people residential loans and what kind of base criteria they are looking for when lending money for residential properties. Take a look and I’m sure you’ll be surprised at your options!

We have relationships with all these banks and our office would be happy to assist you in obtaining financing.



About Century 21 SKY Realty:

We are the premium Estate Agent for Expatriates relocating to Tokyo. Our friendly approach and long experience from over 30 years of operating in Japan will help us make things easy for you. We know how difficult it can be to move to a new, unfamiliar city and we are here to help guide you through the process.


You have a friend in Tokyo!

Please feel free to contact us anytime:

Telephone: +81 (0)3 3585 0021


Tokyo office: Yatsuka Building 1F, 1-3-8 Higashi-Azabu, Minato-ku