List of banks where foreigners can use mortgages in Japan without permanent residence

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Even if a foreigner wants to buy real estate in Japan, there may be some people who are in trouble because they do not have permanent residence and cannot use a mortgage.

In Japan, most banks require that foreigners have permanent residency if they want to take out a mortgage. However, some banks allow you to take out a mortgage without permanent residence.

Therefore, we would like to introduce a bank where even foreigners living in Japan who do not have permanent residency can use a mortgage.

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List of banks where foreigners without permanent residence in Japan can use mortgages.

Basics for foreigners in Japan to use a mortgage

Foreigners who have permanent residence in Japan can use mortgages in the same way as Japanese people, but those who do not have permanent residence cannot use mortgages at most banks.

In recent years, we have seen more foreigners in Japan, but not only foreigners visiting Japan for travel and sightseeing, but also more people living in Japan.
In addition, although international marriages are increasing, some people are in trouble because they cannot use mortgages.

If your spouse is Japanese or has permanent residence, you can use the loan in the name of your spouse, but you cannot use it unless your spouse has a high annual income.

There is also a method of obtaining permanent residence in Japan, but it is not an easy method because various requirements are required to obtain permanent residence and it takes time, such as years of residence in Japan.

Even if there is no permanent residency in Japan, it will introduce because there is a bank that can use the mortgage.

List of banks that can use mortgages without permanent residence

The following are banks where foreigners who do not have permanent residence in Japan can use their mortgages as of November 2020.

The banks listed below allow foreigners who do not have permanent residence to apply for a mortgage.

However, it will be screened in the same way as a regular mortgage, so if you do not meet the bank’s screening standards, you will not be able to use your mortgage.

You must be able to read and write simple daily conversations in Japanese.

Shinsei bank  (新生銀行)

Available conditions

If you do not have a permanent residence permit, your spouse must have Japanese nationality or a permanent residence permit, and your spouse must be your guarantor.

Restrictions on borrowing details

nothing special

Link

住宅ローン(トップページ) | 新生銀行
新生銀行の住宅ローンは、新規お借り入れもお借り換えも諸費用がおトクです。住宅ローンの比較は金利(返済額)と諸費用のトータルコストで比べてください。まずはお借入可能額をシミュレーション。住宅ローンなら新生銀行にご相談ください。

Tokyo star bank  (東京スター銀行)

Available conditions

Those who live in Japan.
Those who can understand the contract rules in Japanese (including those who can understand with the help of spouse or legal expert).

Restrictions on borrowing details

nothing special

Link

スター住宅ローン | 東京スター銀行
東京スター銀行のスター住宅ローン。スター...

AEON Bank (イオン銀行)

Available conditions

Foreigners residing in Japan who meet all of the following conditions
(1) Those who are 20 years old or older and under 71 years old at the time of borrowing and under 80 years old at the time of final repayment
However, if you choose a mortgage with 8 illness protection or a mortgage with cancer protection, the age at the time of borrowing is 20 years old or older and under 50 years old, and the age at the final repayment is less than 80 years old One
(2) Those who can take out group credit life insurance prescribed by the Bank.
(3) Those who can expect stable and continuous income.

● Salaried workers must have been working for at least 6 months. Company owners and sole proprietors must have been in business for three years.
● The salary earner and the president must have an annual income of 1 million yen or more in the previous year, and the sole proprietor must have an income of 1 million yen or more in the previous year.

(4) Those who have a status of residence with no restrictions on employment.
(5) Those who can understand Japanese (reading, writing).
(6) Those who use his own funds of 20% or more of the purchase price of the house.

Restrictions on borrowing details

Borrowable period: 1 year or more and 15 years or less

Serving as a reference of the borrowing interest rate “reference interest rate” is the interest rate plus 1.00% to a floating rate of over-the-counter display

Link

イオン銀行の住宅ローン|低金利・疾病保障付も充実・お買い物が毎日5%オフ
今ならおトクな住宅ローン金利プラン実施中!まずはお借入額診断やお借換えシミュレーションをお試しください。土日でも店舗で相談OK・イオンでのお買い物が毎日5%オフなどイオンならではのサービスが充実。住宅ローンの新規お借入れ、お借換えならイオン銀行へ。

Suruga bank (スルガ銀行)

Available conditions

Those who have a permanent residence permit (including special permanent residence) in Japan, who can understand Japanese and can understand the explanation of products and contracts from Suruga Bank.
The above contents are described on the homepage.
However, when asked by phone, it does not mean that it cannot be used at all just because it does not have permanent residence, and depending on the attributes of the applicant (annual income, employment status, asset background, living status) and the content of the property to be purchased, it is possible to make a loan. That is.

Restrictions on borrowing details

nothing special

Link

外国人のお客さま向け住宅ローン(愛称Dream-Jホームローン)
日本にお住まいで、永住許可を受けている外国人の皆さまが、日本でご自宅を持ちたいとき、その資金をご準備いただけるローンです。外国人のお客さま向けの商品として、よりきめ細かくお手伝いをいたします。

Sumitomo mitui bank (三井住友銀行)

Available conditions

Just because you do not have permanent residence does not mean that you cannot use it at all, and depending on the attributes of the applicant (annual income, employment status, asset background, living status) and the property, you can make a loan.

Restrictions on borrowing details

Depending on the attributes of the applicant, there is a high possibility that the borrowing period will be shortened and the interest rate will be added to the over-the-counter interest rate.

Link

住宅ローン(新規:はじめて住宅ローンを借りる方) : 三井住友銀行
三井住友銀行の新規住宅ローン。これからマイホームをご購入されたい方へ。基礎知識や金利情報・シミュレーションなど初めてマイホーム購入を検討されている方に住宅ローンの選び方、検討ポイントをご案内いたします。

Banks where mortgages are not available without permanent residence in Japan

The banks listed below have confirmed that they cannot be handled without permanent residence (as of November 6, 2020).

Maybe even if the product overview manual states that you need permanent residence, it may be handled if you consult with a branch office. In addition, we may handle it in the future.

flat35、MUFG Bank、Mzuho Bank、Resona Bank、Sumitomo Mitsui Trust Bank、

Kiraboshi Bank、The Bank of Yokohama、The Chiba Bank、Sony Bank

Summary

Mega Bank basically does not handle mortgages for foreigners who do not have permanent residence, and even Sumitomo Mitsui Banking Corporation, which is conducting examinations, is likely to have strict examinations and strict loan conditions.

Tokyo Star Bank and AEON Bank are rare banks that have mortgage products for foreigners who do not have permanent residence, and are very encouraging for foreigners who do not have permanent residence.

The above contents are as of November 6, 2020, so both available banks and unavailable banks may change in the future, and the correspondence may differ depending on the branch office and the person in charge.

Also, please note that you may not be able to use your mortgage depending on the bank’s prescribed screening.

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