A major development for international buyers interested in Japanese real estate has just arrived in Japan: non-residents can now easily access mortgages in Japanese yen with no local income, visa/residency, local bank account or local business structure requirements.
For years, financing real estate in Japan felt like an impossible dream for foreign investors and foreign residents. Despite strong credit or substantial assets, traditional Japanese banks often say ‘no’ to non-residents and those with foreign income.
Yen loans KK (“Yen Loans”) changes that. A Tokyo-based credit institution with a money lending license: Governor of Tokyo (1) 31998, Yen Loans has launched a customized mortgage product which finally opens the market to non-residents and foreign residents who do not have access to conventional bank financing.
Yen Loans accepts borrowers without the need for a local income, a local bank account, a visa/residency or a local business structure, making it suitable for new purchases, refinancing and equity release. This opens doors to financing for:
- Non-resident investors and home buyers looking to acquire real estate in Japan (investment or personal use).
- Foreign residents of Japan whose income and assets come from abroad and are often taken by traditional banks.
- Global professionals and entrepreneurs looking for flexible ownership: personal use, investment or both.
- Current homeowners interested in cash out/equity release solutions to unlock the value of their Japanese property.
Product overview: What loan options are currently available?
These are the parameters of loan products currently available:
Loan offer (at a glance)
| Purpose of the loan |
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| Suitable property types |
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| Loan amount |
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| Loan-to-Value (LTV) ratio |
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| Interest |
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| Loan term |
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| Eligible Borrowers |
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All loans are secured by a first mortgage and comply with Japan’s Money Lending Business Act (MLBA).
Fees and costs:
| Application fee | JPY 200,000 |
| Valuation/Legal/Registration | Charged at cost price |
| Settlement costs | 2% of the loan amount (min. JPY 450,000) |
| Annual administration costs | 36,000 JPY |
| Early repayment | 3% (year 1), 2% (year 2), 1% (year 3) |
You owe a consumption tax of 10% on the above-mentioned reimbursements of the outstanding balance of the loan at the time of repayment.
A consumption tax of 10% is levied on the above-mentioned reimbursements.
For detailed information, please contact Yen Loans via the button below.
Here’s what the process looks like:
Yen Loans makes the process simple, structured and transparent.
- Submit an application
Share details about your desired property in Tokyo using the button below. - Initial assessment
Their team quickly confirms whether your property and financial condition falls within their current credit criteria – for any costs will be paid. - Apply with a commitment fee
Once your eligibility has been confirmed, you can proceed with your full application by submitting the required documents and a non-refundable commitment fee.
This fee represents your commitment to follow through and ensures that their specialists can devote resources to your case and keep the process fast, efficient and compliant. - Fast conditional approval
Receive your conditional approval and indicative loan terms within 10 working dayssubject to standard KYC and AML checks. After loan approval, formal loan documentation is issued. - Finalize and finance
Complete the documentation in person or online with a court clerk and your loan will be disbursed, so you can complete your Tokyo real estate transaction with confidence.
The above is dependent on the quality of the application and other due diligence procedures.
Why choose Yen loans?
Yen Loans’ customers include globally focused professionals, investors and entrepreneurs who value local expertise, a simple process and clear communication. Their team is here to make financing your real estate in Japan as easy and accessible as possible.
Accessible financing
Until now, it has been virtually impossible for foreign buyers to get a mortgage in Japan without residency or local income. Yen Loans has changed that: it offers a solution specifically designed for non-residents and international investors.
Clear and transparent
As a recognized lending company, Yen Loans offers a fully compliant and transparent lending process. Each step is clearly explained in advance, in your language, so you know exactly what to expect.
Fast approvals
Loan approvals can be issued in as little as 10 business days, so you can quickly move forward with your property purchase.
Multilingual support
Language barriers should not stand in the way of purchasing real estate in Japan. The Yen Loans team provides support in English, Chinese and Japanese, ensuring clear communication and peace of mind throughout the application process.
Looking ahead
Yen Loans is actively working to broaden its range of financing solutions. Upcoming plans include support for additional property types, such as detached houses and entire residential buildings (reinforced concrete or steel reinforced concrete construction)– and also expanding into new markets such as Yokohama, Kawasaki, Osaka, Nagoya, Kyoto, Kobe, Fukuoka and Sapporo. Further in the future, they plan to offer a resort area financing product.
Contact Yen Loans
Yen Loans is a leader in mortgage lending in Japan, offering non-residents direct access to the Japanese real estate market.
Contact them today to take the next step towards your investment or dream home in Japan.
CLICK HERE TO CONTACT YEN LOANS
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