Housing & property
Can I get a mortgage in Japan if I am self-employed?
Possibly. Japanese lenders set their own underwriting rules, and permanent residency, income stability, Japanese credit history and spouse/guarantor arrangements can affect eligibility.
VerifiedPrimary topic verifiedLast checked: 18 Aug 2026
What you need to know
Requirements & exceptions
- Property ownership eligibility is broader than mortgage eligibility.
- Non-PR mortgages exist but are more selective.
Documents
- Identity documents
- Purchase/contract documents
- Source-of-funds evidence where requested
Likely cost
Lender-specific. Expect interest, loan administration/guarantee fees, appraisal/registration costs and insurance depending on the bank and property.
Where to act
Japanese bank or mortgage lender; property agent can coordinate lender/document submission.