Renting
Guarantor companies in Japan (保証会社) for foreign tenants, compared
A guarantor company in Japan stands in for a personal guarantor on your lease. Fees, emergency contact rules and languages at GTN, Casa, Nihon Safety and JID.
Foreigners can rent private apartments in Japan with a residence card or passport, proof of income and, almost always, a personal guarantor or a guarantor company. As of October 2026, MLIT's official guidebook puts the money due at signing at about 4 to 7 months' rent: deposit, key money, agent fee, insurance and rent in advance. The legal cap on the agent fee is 0.55 months' rent including tax unless you agree to more. Applying to moving in usually takes 1 to 2 weeks.
Yes, renting an apartment in Japan as a foreigner is routine. You need your residence card (在留カード) or passport, proof of income or enrollment, and almost always a guarantor or a guarantor company (保証会社). Expect to pay about 4 to 7 months’ rent at signing, and about 1 to 2 weeks from application to keys. These figures come from the Ministry of Land, Infrastructure, Transport and Tourism (国土交通省, MLIT), as of October 2026.
MLIT publishes an official Apartment Search Guidebook (部屋探しのガイドブック) in 14 languages, including English, Vietnamese, Nepali, Tagalog and Indonesian. It is free, and you can point to passages at the agent’s counter. Most of this guide follows it.
The process is the same for everyone. What changes for you is the screening, the guarantor and, often, language.
1. Search. Use property websites or walk into local agents. Agents post listings outside their offices, which gives you a feel for local rents. MLIT runs the Safety Net Housing site (セーフティネット住宅, Japanese only), which lists housing that accepts foreign tenants. For English-language portals and agents, see our guide to foreigner-friendly real estate agents.
2. Visit the agent. The agent will usually ask your name, job, who will live with you, your income, your Japanese ability and why you are moving. You may fill in an application the same day, so take your ID. If your Japanese is limited, MLIT suggests bringing someone who speaks it well. Some local governments and companies offer staff who go with you.
3. View. Viewing is free. Check the kitchen, air-conditioning and space for a fridge and washing machine. You don’t have to apply if you don’t like it.
4. Apply. Submit the tenant application and screening documents (below). This is where you name a guarantor or agree to use a guarantor company.
5. Screening. The agent, landlord and guarantor company check your application. If you pass, you can sign.
6. Contract and payment. Before you sign, the agent must explain the important points of the contract. Listen, and ask about anything unclear. Then you sign and pay, usually in cash or by bank transfer.
7. Keys. Ideally walk through the unit with the agent. Note damage, take dated photos and test the equipment. This protects your deposit when you move out.
MLIT’s checklist for the tenancy screening includes:
If you use a personal guarantor instead of a company, they also provide proof of income and a seal registration certificate (印鑑登録証明書).
In practice, yes: MLIT says a personal guarantor or a guarantor company is necessary when you sign a lease in Japan. A guarantor (連帯保証人) is a person with enough income who pays if you don’t. Most foreign residents don’t have one, so they use a guarantor company instead.
A guarantee company is not insurance. If it pays rent on your behalf, it bills you for it later. MLIT lists registered guarantee companies that offer foreign-language support (53 entries as of September 30, 2026). We compare the main ones in guarantor companies in Japan.
MLIT’s rule of thumb is 4 to 7 months’ rent due at signing. Here is what that money is.
| Item | What it is | Typical amount (MLIT unless noted) |
|---|---|---|
| Deposit (敷金) | Held by the landlord, returned minus repair costs | About 2 months’ rent |
| Guarantee money (保証金) | A deposit used in some regions | Often 6 months’ rent |
| Key money (礼金) | A non-refundable payment to the landlord | Usually 1-2 months, mainly Kanto; some places charge none |
| Agent fee (仲介手数料) | Paid to the real estate agent | Legal cap: 0.55 month incl. tax unless you consent (see below) |
| Guarantor company fee | Paid to the guarantor company | Often 35-50% of a month’s rent for 2 years |
| Damage insurance (火災保険) | Covers fire or water damage you cause | Varies by policy |
| Rent in advance | Next month’s rent, plus a prorated part of this month | 1 month or more |
| Common service fee (共益費 / 管理費) | Shared-area costs, paid with rent | Varies |
This is our arithmetic using the figures above, not a quote:
That is ¥404,000, about 5 months’ rent, before insurance, the common service fee and any other charges on the estimate. In Tokai, Kansai and Kyushu you may also see a fixed non-refundable part of the deposit (敷引き).
Under MLIT’s fee notice for licensed real estate agents (宅建業法 報酬告示, last amended June 21, 2024):
MLIT’s guidebook simply says the agent fee is “within 1 month rent”. The fee notice is the legal rule. If an estimate shows a full month, ask whether you agreed to that and when.
Before you sign, ask which kind of contract it is.
| Regular lease (普通借家) | Fixed-term lease (定期借家) | |
|---|---|---|
| Renewal | Renews automatically; the landlord needs a justifiable reason (正当事由) to refuse | Ends at the end of the term, no renewal |
| Staying longer | Just renew | Only if both sides sign a new contract (再契約) |
| Paperwork | Usual contract | Must be in writing, plus a separate written notice that it will not be renewed |
| End-of-term notice | n/a | For terms of 1 year or more, the landlord must notify you 1 year to 6 months before it ends |
If you plan to stay for years, a regular lease gives you more security, because it renews unless the landlord has a justifiable reason.
A regular lease normally runs for 2 years. Many contracts include a special clause requiring a renewal fee to the landlord when you renew. MLIT does not set an amount: it is whatever your contract says, so check the clause before you sign.
MLIT suggests confirming:
At move-out, you pay for damage you caused, not for normal wear and tear or aging. MLIT’s English restoration guide gives examples. A key replacement when the key wasn’t lost or damaged is the landlord’s cost. Your contract can still add special clauses, such as professional cleaning, so read them.
UR rental housing (UR賃貸住宅), run by the public Urban Renaissance Agency, advertises no key money, no agent fee, no renewal fee and no guarantor. UR’s English pamphlet (information as of September 2022) says you pay a 2-month deposit plus the first month’s prorated rent and common fee. Foreign nationals must meet UR’s residency conditions and an income standard. Details are in our foreigner-friendly agents guide.
If you have a problem with a contract, the deposit or fees, MLIT points to the foreign resident consultation desks of local governments and international exchange associations. We describe the general rules and can’t give advice on your contract.
Yes. You apply the same way as anyone else, with your residence card or passport and proof of income or enrollment. You will almost always need a personal guarantor or a guarantor company, and the landlord makes the final decision after screening.
Besides the monthly rent, expect to pay about 4 to 7 months' rent at signing, according to MLIT's guidebook. That covers the deposit, key money, agent fee, insurance and the first month's rent in advance. It varies by region and by apartment.
Key money (礼金) is usually 1 or 2 months' rent, is common in the Kanto region and is not returned. Some apartments charge none.
MLIT's guidebook says a guarantor company often charges 35% to 50% of one month's rent, paid up front, for a two-year guarantee.
MLIT says it usually takes 1 to 2 weeks from your application to moving in, after you have found the apartment.
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