BUYING PROCESS
How buying works
Whether you're using a mortgage or paying cash, we walk you through every step of buying property in Japan.
Consultation & financial planning
We discuss your budget and goals, and help plan your finances including mortgage options. We can also introduce partner lenders.
What to prepare
Overview of income, occupation and visa status
Property proposal & viewing
We present matching properties and arrange viewings — in person or online for clients overseas.
What to prepare
Preferred area, layout and budget notes
Purchase application (Letter of Intent)
Once you've decided, we submit a Letter of Intent on your behalf and support negotiations on price and conditions.
What to prepare
ID documents, personal seal
Mortgage pre-approval
We help you apply for pre-approval from your chosen lender. Results typically come within a week. Please note that eligibility criteria vary by lender and visa status.
What to prepare
Proof of income, residence card, passport and other documents as required
Explanation of terms & purchase contract
We explain all important terms in detail, then you sign the purchase agreement and pay the deposit (earnest money).
What to prepare
Earnest money (approx. 5–10% of purchase price), ID, personal seal
Mortgage final approval & loan contract
After pre-approval, the lender conducts full underwriting. Once approved, you sign the mortgage loan agreement.
What to prepare
Documents required by the lender
Settlement, handover & title registration
You pay the remaining balance and receive the keys and title deed. Ownership transfer registration takes place on the same day.
What to prepare
Remaining balance, registration fees and other costs
Move-in & after-sales support
We're here for you after move-in too. We can introduce property management companies and answer any questions that arise.
For international buyers
Without permanent residency, obtaining a mortgage in Japan can be difficult. However, cash purchases are generally open to buyers of any visa status in many cases. Eligibility varies by lender and visa type, so we recommend consulting us to find the right approach for your situation.
Estimated costs
These are estimates only. Actual amounts vary by property and conditions.
| Agency fee | 3% of purchase price + ¥60,000 + tax (max) |
| Registration fees (solicitor) | Approx. ¥100,000–¥200,000 |
| Stamp duty | ¥10,000–¥60,000 (based on price) |
| Mortgage-related costs | Approx. 1–2% of loan amount |
| Fire insurance | Several tens of thousands of yen |
| Property tax adjustment | Pro-rated from handover date |
| Total estimate | Approx. 6–9% of purchase price |
* All figures are estimates. Actual costs depend on the property and conditions.
Required documents
Requirements vary by property and circumstance. Please contact us for details.
- ID documents (passport and/or residence card)
- Certificate of residence (issued within the last 3 months)
- Proof of income (pay slips, tax return, etc.)
- Registered seal (jitsuin) and seal certificate
- Mortgage application documents (if applicable)
MORTGAGE SIMULATOR
Mortgage Repayment Calculator
Enter the property price, down payment, interest rate and loan term to estimate your monthly repayment.
Loan Amount
4,500万円
Est. Monthly Repayment
¥137,783
/ 月
* This is an estimate only. Actual repayments vary by lender, credit assessment, and repayment method. Please consult a financial advisor or lender for a precise figure.
FAQ
Frequently asked questions
Yes, in most cases buyers of any visa status can purchase property with cash. The situation may vary depending on the property type, so please consult us for details.