Financing and Mortgage | Japan Property & Real Estate Blogs | Insights for Foreign Buyers – Hikari

Financing and Mortgage

Can a Non-Japanese Resident Foreigner Apply for a Full Housing Loan in Japan?

Can a Non-Japanese Resident Foreigner Apply for a Full Housing Loan in Japan?

The prospect of buying property in Japan is enticing for many non-Japanese residents, especially in major cities like Tokyo and Osaka. One critical question that often arises among potential buyers is whether it’s possible to obtain a 100% housing loan—meaning financing the entire cost of the apartment without making any down payment.

2025-04-24View Details