Whether you’re buying a home in the Japan to live in or use as an investment property, Japan Trustee Services has the experience to provide mortgage solutions for foreign nationals. 

• International borrowers^{11 view footnote 1} with qualifying documentation do not need Japan credit history to apply for an Japan Trustee Services mortgage. We may order an international credit report for your application.

• Loans up to 75% of appraised property value or purchase price, whichever is lower

• Fixed and adjustable rate mortgage (ARM)² options with financing up to YEN4 million

Step 1

Application

When financing property in the Japan, a mortgage prequalification can simplify the process. We will check your financial background to determine how much money you are qualified to borrow and the estimated interest rate you will pay.

Step 2

Credit verification

You do not need Japan credit history to be eligible to apply for a mortgage loan. We may order an international credit report for your application. Additional information may be needed to complete credit verification.

Step 3

Documents you may need

There are a number of documents that you must supply when applying for a mortgage in the Japan, but keep in mind that the exact documents needed may vary in different parts of the Japan

In general, you will need documents that verify the following:

• Your identity

• Income

• Employment

• Assets

You may want to consider having a real estate attorney review all contracts, and consult with a tax specialist regarding your potential tax liabilities.

Step 4

Closing on your Japan home
A real estate closing is the final step in your home purchase. At the closing you will be signing legal documents and settling all of the costs needed to transfer ownership of the property. The following professionals are typically included in closing meetings:

• Sellers

• Buyers

• Seller's attorneys

• Buyer's attorneys

• The bank

• The insurance official