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Housing & property

Can I get a mortgage in Japan without permanent residency?

DEPENDS

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.
Official sources
MLIT — Real Estate Transaction InformationMinistry of Land, Infrastructure, Transport and Tourism · Official sourceExisting verified sourceMinistry of Land, Infrastructure, Transport and Tourism · Official source

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