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All These Banks Lend Housing Loans to Foreigners!

  • Advice

In Japan, most banks will not lend housing loans to foreigners without a Permanent Residence Visa, as it is understandably a big risk for financial institutions to do so. However, there is still hope for those who hold a certain visa type in Japan and also pass the requirements given by the banks. In this article, we will list all the Japanese and overseas banks which lend to non-Japanese and their requirements. 

Below are the most common requirements needed for non-Japanese who do not hold a Permanent Residency Visa.

・Hold a long-term visa (Spouse Visa, Work Visa etc. )
・Must have signs of staying long-term in Japan such as having a Japanese spouse (Having a Japanese spouse shows the bank that there is a high possibility you will be staying long-term in Japan. Another benefit of this is that you may have your Japanese spouse become a guarantor which can make receiving housing loans from banks an easier task)
・Japanese language ability to read and write personal information on documents
・Is working at a listed or a major company (This can be one way to show the bank that the applicant is financially steady)
・Currently employed and have worked for over 2 years at current company at the time of applying

There are many requirements but the most important one would be to hold a long-term Japanese visa. Non-Japanese who do not hold a long-term visa, it will be merely impossible to get a loan in Japan.

Here are the Japanese and foreign banks that give housing loans to non-Japanese without a Permanent Resident VIsa and the requirements.

*Note: Permanent Residence Visa will be referred as PR from below.

1. Japanese Banks

Floating Rates
Fixed Rates
Loan Limit

The Bank of Tokyo-Mitsubishi UFJ
3 Years: 3.000%
5 Years: 3.100%
10 Years: 3.250%
100,000,000 JPY
-Have funds of at least 20% of the property price

-Signs of staying long-term in Japan (Japanese spouse or lived in Japan for over 5 years)

-Currently working at a Japanese company for over 3 years
Mizuho Bank
3 Years: 2.550%
5 Years: 2.550%
10 Years: 2.700%
100,000,000 JPY
-Signs of staying long-term in Japan (Japanese spouse or have children attending school in Japan, etc.)
Sumitomo Mitsui Banking Corporation
3 Years: 2.850%
5 Years: 3.000%
10 Years: 3.250%
100,000,000 JPY
Signs of staying long-term in Japan
Mitsui Sumitomo Trust and Finance
Applicants under 56 years old: 3.900%~4.400%

Applicants over 56 years old: 4.40%~5.40%
300,000,000 JPY
Requires Japanese language ability (read and write)
Shinsei Bank
3 Years: 0.850%
5 Years: 0.850%
10 Years: 1.000%
100,000,000 JPY
-Residing in Japan

-Working for over 2 years at current company

-Annual salary of over 3,000,000 JPY

-Employees need to have their business running for over 2 years and have an annual salary of over 3,000,000 JPY (The amount after paying company expenses)

-Applicants must be over 20 years old and under 65 years old

-Note that Shinsei Bank does not do pre-applications

2. Foreign Banks in Japan

BanksFloating RatesFixed RatesLoan LimitRequirements
Bank of China
3 Years 2.300%~2.500%None-No need for a PR
-Residing in Japan
-Annual salary of over 3,000,000 JPY
-May borrow up to 70% of the property price (50% for investment loan)
-Applicants with savings in a Bank of China account in China may borrow up to 80%
-Must be a property newer than 1982
-Maximum borrowing period: 25 years
Bank of Taiwan2.800%~2.900%None100,000,000 JPY-May borrow up to 70% of the property price
-Must be a property over 30,000,000 JPY
Shinhan Bank Japan2.875%~3.375%None100,000,000 JPY-Signs of settling long-term in Japan

In conclusion, the 3 most important things for non-Japanese who do not hold a Japanse Residence Visa to have are:

1. A long-term visa
2. Signs of settling in Japan for long-term
3. Has been working at current company in Japan for at least 2 years

Note that some banks do not have fixed rates and no pre-applications. If you have any questions on the different interest rates and what pre-applications are, it will be very beneficial to inquire a bilingual realtor for guidance.

Click here for more detailed information on housing loans.

Beyond Borders Editorial Team: Mori Nishimura

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