Permanent residency
Permanent residency in Japan: requirements, fee and the 2027 changes
Japan permanent residency requirements: usually 10 years of stay, clean tax and pension records, and a ¥200,000 fee from October 2026. Plus 2027 changes.
Getting a mortgage in Japan without permanent residency is possible but narrow. As of October 2026, Flat 35 and SBI Sumishin Net Bank require PR, and a 2025 comparison of 18 lenders found most others do too. The clearest published exception is PRESTIA (SMBC Trust Bank): foreign residents in Japan with annual income over ¥10 million can borrow ¥10 million to ¥500 million, repaid by age 80, in listed areas. SBI Shinsei reportedly accepts a spouse with Japanese nationality or PR as joint guarantor.
A mortgage in Japan without permanent residency is possible, but only a few lenders publish a route. As of October 2026, Flat 35 (フラット35) requires permanent residency (永住許可), and so does SBI Sumishin Net Bank. A 2025 comparison of 18 lenders found most others do too. The clearest published exception is PRESTIA (SMBC Trust Bank), which lends to foreign citizens living in Japan with annual income over ¥10 million. If your spouse is Japanese or has PR, there may be a second route.
No. Flat 35 is the long-term fixed-rate loan backed by the Japan Housing Finance Agency (住宅金融支援機構). Its conditions page (as of April 1, 2026) says applicants must be:
Work visas, spouse visas and long-term resident visas don’t qualify on their own. Other Flat 35 conditions, for when you do qualify:
| Condition | Flat 35 rule |
|---|---|
| Age at application | Under 70 |
| Repayment burden | Up to 30% of income if you earn under ¥4 million; up to 35% at ¥4 million or more |
| Loan size | ¥1 million to ¥120 million, up to the price or build cost |
| Term | At least 15 years; at most 35 years or until age 80, whichever is shorter |
If you’re on track for PR, see our guide to permanent residency requirements.
SBI Sumishin Net Bank’s loan conditions say a foreign applicant must have permanent residence in Japan and show ID with their residence status.
For the wider market, Diamond Real Estate Research (ダイヤモンド不動産研究所) compared 18 lenders’ published conditions (updated September 2025). It quotes Japanese nationality or PR as a condition at, among others:
That’s a secondary source. Check the bank’s current product sheet (商品概要説明書) before you rely on it.
PRESTIA’s English information memorandums (fixed and floating rate, both as of June 15, 2026) set these conditions:
| Condition | PRESTIA rule |
|---|---|
| Who | Japanese or foreign citizens residing in Japan |
| Income | Stable income, annual income over ¥10 million |
| Age | 18 or older; final repayment by your 80th birthday |
| Insurance | Must qualify for group credit life insurance (団体信用生命保険); the bank pays the main premium |
| Loan size | ¥10 million to ¥500 million |
| Loan-to-value | Up to 110% of the purchase price, depending on income and property |
| Term | 1 to 35 years |
| Guarantor | Not normally required; a family member whose income is counted must be joint guarantor |
| Fees | No guarantee fee; admin fee 2.2% of the loan (Plan A) or ¥22,000 (Plan B), tax included |
| Area | 19 listed prefectures or areas, and within about 1 hour by public transport of a branch |
Its lending areas include Tokyo, Kanagawa, Saitama, Chiba, Aichi, Osaka, Kyoto, Hyogo and Fukuoka. Rural homes outside the listed areas, or far from a branch, don’t qualify.
PRESTIA offers English-speaking staff from first inquiry to disbursement. But all legal documents are in Japanese, and English translations are for reference only. PRESTIA asks every party to understand the documents or arrange support.
According to the Diamond comparison, SBI Shinsei Bank’s condition reads: Japanese nationality or PR, or, without PR, a spouse who has Japanese nationality or PR and becomes joint guarantor (連帯保証人). SBI Shinsei’s site didn’t respond to our requests, so we couldn’t confirm this on the bank’s own pages. Ask the bank for its current product sheet.
AEON Bank publishes a separate product document for applicants without permanent residency on its website. Its server refused our requests, so we can’t report its terms. Ask at an AEON Bank branch or check the document yourself.
If your spouse is a Japanese national or has PR, there are two published routes:
If your income is added to the application, check the lender’s rule. At PRESTIA, a family member whose income is counted must become a joint guarantor. How a non-PR co-borrower is treated under Flat 35 isn’t stated on its conditions page, so ask the lender.
For the visa side, see our spouse visa guide.
PRESTIA’s document list for non-Japanese applicants includes:
The bank also calls your employer to confirm you work there. You sign the contract in person at a branch.
We don’t give individual mortgage or tax advice. A licensed mortgage broker, a financial planner, or a tax accountant (税理士) for tax questions can look at your full situation.
Yes, if you have permanent residency, which Flat 35 and most banks require. Without it, options are few. PRESTIA (SMBC Trust Bank) publishes eligibility for foreign citizens living in Japan with annual income over ¥10 million.
No. The Japan Housing Finance Agency says foreign applicants need permanent resident (永住者) or special permanent resident (特別永住者) status, on top of the usual conditions.
At SBI Shinsei Bank, a comparison site reports that a borrower without PR can apply if the spouse has Japanese nationality or PR and becomes joint guarantor. We couldn't open SBI Shinsei's own pages to confirm, so ask the bank. A Japanese spouse can also borrow in their own name.
PRESTIA has English-speaking staff and English translations for reference, but it says all legal documents, including the terms and conditions, are in Japanese. You must understand them or bring someone who does.
Spotted something out of date or wrong? Email hello@japanhow.com and we will check it against the source. See our corrections policy.
Photo: Ximonic (Simo Räsänen) / CC BY-SA 4.0