Generally, most Japanese banks require Permanent Residency as a strict condition for a housing loan. However, depending on your current visa status, living history in Japan, or if you are applying jointly with a Japanese spouse, there may be alternative paths. We will honestly assess your situation and advise you on the necessary steps, whether that means preparing for a Permanent Residency application first or exploring specific financial institutions that accept non-permanent residents under certain conditions.

Yes, you can consult with us. In fact, we recently helped a 22-year-old client successfully purchase their own home. While banks typically prefer 2 to 3 years of continuous employment, factors such as your current income stability, employment type, and future potential are evaluated comprehensively. If it is too early to apply now, we will work with you to create a solid timeline and preparation plan for your future purchase.

Yes, it is possible on a case-by-case basis. Depending on the bank's screening of your profile and the property's value, there are cases where a full loan covering 100% of the property price—and sometimes even an "over-loan" including initial fees and taxes—can be arranged. We will simulate a realistic and sustainable payment plan based on your current financial situation.

It is generally more challenging compared to a salaried company employee, as banks require proof of stable, long-term income. Typically, you will need to provide at least three years of tax returns (Kakutei Shinkoku) showing consistent earnings. We can advise you on how to properly prepare your documents and explore options like "Flat 35," which tends to be more accommodating to self-employed individuals with proper tax records.

You will receive full support from start to finish. Our multilingual staff will be with you from the initial consultation to the detailed explanation of the contract, the housing loan application process, and even after-sales support following the handover. We will ensure that you fully understand all complex legal and financial terms before you make any decisions.