{"id":3225,"date":"2025-12-09T10:28:05","date_gmt":"2025-12-09T09:28:05","guid":{"rendered":"https:\/\/arealty.jp\/blog\/?p=3225"},"modified":"2026-10-12T10:01:44","modified_gmt":"2026-10-12T08:01:44","slug":"buying-a-house-in-japan","status":"publish","type":"post","link":"https:\/\/arealty.jp\/blog\/buying-a-house-in-japan\/","title":{"rendered":"Buying a House in Japan 2026: Steps, Costs and Mortgages"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\"><em>Last updated: October 2026 \u00b7 By Lucy Nguyen, Marketing Specialist at A-Realty<\/em><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Short answer:<\/strong> Yes, foreigners can buy a house in Japan with full freehold ownership (\u6240\u6709\u6a29). You do not need a visa to buy, and you do not need permanent residency to get a mortgage at several Japanese banks. A cash purchase takes 7 steps and about 1 to 2 months. A bank mortgage takes 8 steps and about 2 to 4 months. Budget an extra 6 to 8% of the price for a cash purchase, or 8 to 10% with a mortgage.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">This guide walks you through buying a house in Japan from the first viewing to the day you get your keys. It covers both payment routes, the documents you need, a real cost breakdown for a \u00a550 million home, and which banks lend to foreigners without permanent residency.<\/p>\n\n\n\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_88 counter-hierarchy ez-toc-counter ez-toc-light-blue ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/arealty.jp\/blog\/buying-a-house-in-japan\/#Key_facts_at_a_glance\" >Key facts at a glance<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/arealty.jp\/blog\/buying-a-house-in-japan\/#Cash_or_mortgage_how_should_you_pay_when_buying_a_house_in_Japan\" >Cash or mortgage: how should you pay when buying a house in Japan?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/arealty.jp\/blog\/buying-a-house-in-japan\/#What_type_of_property_are_you_buying\" >What type of property are you buying?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/arealty.jp\/blog\/buying-a-house-in-japan\/#What_documents_do_you_need\" >What documents do you need?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/arealty.jp\/blog\/buying-a-house-in-japan\/#Buying_a_house_in_Japan_with_cash_the_7-step_process\" >Buying a house in Japan with cash: the 7-step process<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/arealty.jp\/blog\/buying-a-house-in-japan\/#Buying_a_house_in_Japan_with_a_mortgage_the_8-step_process\" >Buying a house in Japan with a mortgage: the 8-step process<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/arealty.jp\/blog\/buying-a-house-in-japan\/#How_much_does_buying_a_house_in_Japan_really_cost\" >How much does buying a house in Japan really cost?<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/arealty.jp\/blog\/buying-a-house-in-japan\/#One-time_costs_explained\" >One-time costs explained<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/arealty.jp\/blog\/buying-a-house-in-japan\/#Annual_costs_of_ownership\" >Annual costs of ownership<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/arealty.jp\/blog\/buying-a-house-in-japan\/#Buying_vs_renting_over_10_years\" >Buying vs renting over 10 years<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/arealty.jp\/blog\/buying-a-house-in-japan\/#Can_you_get_a_mortgage_without_permanent_residency\" >Can you get a mortgage without permanent residency?<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/arealty.jp\/blog\/buying-a-house-in-japan\/#The_mortgage_tax_credit_%E4%BD%8F%E5%AE%85%E3%83%AD%E3%83%BC%E3%83%B3%E6%8E%A7%E9%99%A4\" >The mortgage tax credit (\u4f4f\u5b85\u30ed\u30fc\u30f3\u63a7\u9664)<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/arealty.jp\/blog\/buying-a-house-in-japan\/#Can_you_buy_a_home_in_Japan_from_overseas\" >Can you buy a home in Japan from overseas?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/arealty.jp\/blog\/buying-a-house-in-japan\/#Key_tips_before_you_sign\" >Key tips before you sign<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/arealty.jp\/blog\/buying-a-house-in-japan\/#Frequently_asked_questions\" >Frequently asked questions<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/arealty.jp\/blog\/buying-a-house-in-japan\/#Start_buying_your_home_in_Japan_with_A-Realty\" >Start buying your home in Japan with A-Realty<\/a><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Key_facts_at_a_glance\"><\/span>Key facts at a glance<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th><\/th><th>Cash purchase (\u73fe\u91d1\u4e00\u62ec)<\/th><th>Bank mortgage (\u4f4f\u5b85\u30ed\u30fc\u30f3)<\/th><\/tr><\/thead><tbody><tr><td>Number of steps<\/td><td>7<\/td><td>8<\/td><\/tr><tr><td>Timeline<\/td><td>1 to 2 months<\/td><td>2 to 4 months<\/td><\/tr><tr><td>Paid upfront<\/td><td>100% of price<\/td><td>10 to 20% of price<\/td><\/tr><tr><td>Extra costs<\/td><td>6 to 8% of price<\/td><td>8 to 10% of price<\/td><\/tr><tr><td>Best for<\/td><td>Anyone, including buyers overseas or without a Japanese visa<\/td><td>People living and working in Japan, with or without permanent residency<\/td><\/tr><tr><td>Main advantage<\/td><td>Fast, fewer documents, stronger negotiating position, no interest<\/td><td>Keep your cash, low rates, mortgage tax credit (\u4f4f\u5b85\u30ed\u30fc\u30f3\u63a7\u9664)<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Cash_or_mortgage_how_should_you_pay_when_buying_a_house_in_Japan\"><\/span>Cash or mortgage: how should you pay when buying a house in Japan?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Your payment method decides almost everything else: which documents you prepare, how many steps you follow and how much you pay in extra costs. So choose it first.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Option A: Cash purchase.<\/strong> This route is open to everyone. That includes buyers who live overseas and people who hold no Japanese visa at all. It is the fastest route and needs the fewest documents. Sellers also prefer cash buyers, which gives you more room to negotiate the price.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Option B: Bank mortgage.<\/strong> This route suits people who live and work in Japan. Permanent residency (\u6c38\u4f4f\u6a29) helps, but it is not required. Several banks lend to foreign residents without it. A mortgage lets you keep your savings, borrow at low rates and claim the mortgage tax credit for up to 13 years.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What_type_of_property_are_you_buying\"><\/span>What type of property are you buying?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">In Japan, more than one word can mean &#8220;apartment&#8221;. The property type affects your costs, your taxes and whether a bank will lend on it.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Detached house (\u4e00\u6238\u5efa\u3066):<\/strong> You own the land and the building. There is no monthly management fee, but repairs are your job. Wooden houses lose value fast. After 20 to 25 years, most of the value sits in the land (\u571f\u5730).<\/li>\n\n\n\n<li><strong>Condominium (\u5206\u8b72\u30de\u30f3\u30b7\u30e7\u30f3):<\/strong> A reinforced-concrete building sold unit by unit. Owners pay a monthly management fee (\u7ba1\u7406\u8cbb) and a repair reserve (\u4fee\u7e55\u7a4d\u7acb\u91d1). In Tokyo these usually total \u00a520,000 to \u00a530,000 a month. Central condos hold their value well and are easy to rent out.<\/li>\n\n\n\n<li><strong>Low-rise apartment building (\u30a2\u30d1\u30fc\u30c8):<\/strong> A 2- or 3-storey wood or light-steel building built mainly to rent out. It is usually sold as a whole building (\u4e00\u68df) to investors. When most people say they want to &#8220;buy an apartment&#8221;, they mean a \u30de\u30f3\u30b7\u30e7\u30f3.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>New build or pre-owned?<\/strong> A new build (\u65b0\u7bc9) is sold directly by the developer. The buyer usually pays no brokerage fee, and property tax on the building is halved for 3 years (houses) or 5 years (condos). Extra costs are about 3 to 5%. A pre-owned home (\u4e2d\u53e4) is cheaper and offers more choice in good locations. Look for buildings approved after June 1981 under the new earthquake code (\u65b0\u8010\u9707\u57fa\u6e96), as banks finance them more easily.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">For current price ranges by city and property type, see our guide on <a href=\"https:\/\/arealty.jp\/blog\/how-much-does-a-house-in-japan-cost\/\" target=\"_blank\" rel=\"noreferrer noopener\">how much a house in Japan costs<\/a>.<\/p>\n\n\n\n<figure class=\"wp-block-image aligncenter size-full\"><img fetchpriority=\"high\" decoding=\"async\" width=\"800\" height=\"400\" sizes=\"(max-width: 800px) 100vw, 800px\" src=\"https:\/\/arealty.jp\/blog\/wp-content\/uploads\/2025\/12\/Buying-a-house-in-Japan-4.webp\" alt=\"\" class=\"wp-image-7477\" srcset=\"https:\/\/arealty.jp\/blog\/wp-content\/uploads\/2025\/12\/Buying-a-house-in-Japan-4.webp 800w, https:\/\/arealty.jp\/blog\/wp-content\/uploads\/2025\/12\/Buying-a-house-in-Japan-4-300x150.webp 300w, https:\/\/arealty.jp\/blog\/wp-content\/uploads\/2025\/12\/Buying-a-house-in-Japan-4-768x384.webp 768w\" \/><figcaption class=\"wp-element-caption\">Modern Japanese suburban detached family home<\/figcaption><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What_documents_do_you_need\"><\/span>What documents do you need?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Residents of Japan and buyers overseas prepare different documents. Mortgage applicants also need income documents.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>A. If you live in Japan<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Passport (\u30d1\u30b9\u30dd\u30fc\u30c8)<\/li>\n\n\n\n<li>Residence card (\u5728\u7559\u30ab\u30fc\u30c9): it must be valid, and the bank and judicial scrivener will copy it<\/li>\n\n\n\n<li>Certificate of residence (\u4f4f\u6c11\u7968): from your city or ward office, or a convenience store with your My Number Card<\/li>\n\n\n\n<li>Seal registration certificate (\u5370\u9451\u8a3c\u660e\u66f8): register your official seal (\u5b9f\u5370) at the city office first<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>B. If you live overseas<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Passport<\/li>\n\n\n\n<li>Proof of address (\u5728\u7559\u8a3c\u660e): from a Japanese embassy or consulate, or a notary in your country<\/li>\n\n\n\n<li>Signature certificate (\u30b5\u30a4\u30f3\u8a3c\u660e): this replaces the seal registration certificate<\/li>\n\n\n\n<li>Power of attorney (\u59d4\u4efb\u72b6): needed if someone in Japan signs or receives the handover for you<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>C. Extra documents for a mortgage<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Income certificate (\u6e90\u6cc9\u5fb4\u53ce\u7968): 1 to 3 years, issued by your employer each year end<\/li>\n\n\n\n<li>Tax certificate (\u8ab2\u7a0e\u8a3c\u660e\u66f8): from your city or ward office<\/li>\n\n\n\n<li>Employment certificate (\u5728\u8077\u8a3c\u660e\u66f8): self-employed applicants submit 3 years of tax returns instead<\/li>\n\n\n\n<li>Health insurance card (\u5065\u5eb7\u4fdd\u967a\u8a3c): proof of social insurance enrolment<\/li>\n\n\n\n<li>Property documents (\u7269\u4ef6\u8cc7\u6599): flyer, floor plan and registry extract, which your agent prepares<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>What do banks look for?<\/strong> Stable income, 1 to 3 years with your current employer (3 years if self-employed), taxes and insurance paid in full, and an age under 80 at final repayment. Your visa type also matters, as we explain in <a href=\"https:\/\/arealty.jp\/blog\/visa-status-affects-home-loan-japan\/\" target=\"_blank\" rel=\"noreferrer noopener\">how visa status affects your home loan<\/a>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Buying_a_house_in_Japan_with_cash_the_7-step_process\"><\/span>Buying a house in Japan with cash: the 7-step process<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">A cash purchase usually takes 1 to 2 months from offer to keys.<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Search and viewings (\u5185\u898b).<\/strong> Your agent searches the whole market, including REINS, developers and off-market listings, and joins you at viewings.<\/li>\n\n\n\n<li><strong>Purchase application (\u8cb7\u4ed8\u8a3c\u660e\u66f8) and price negotiation.<\/strong> This is not a contract yet, and no money changes hands. Paying in cash puts you in a strong position to negotiate.<\/li>\n\n\n\n<li><strong>Explanation of important matters (\u91cd\u8981\u4e8b\u9805\u8aac\u660e).<\/strong> A licensed real estate transaction agent (\u5b85\u5730\u5efa\u7269\u53d6\u5f15\u58eb) explains the legal details. A good agency walks you through them again in your language.<\/li>\n\n\n\n<li><strong>Sign the sales contract (\u58f2\u8cb7\u5951\u7d04) and pay a 5 to 10% deposit.<\/strong> If you cancel, you lose the deposit. If the seller cancels, they pay you double.<\/li>\n\n\n\n<li><strong>Settlement and handover (\u6c7a\u6e08\u30fb\u5f15\u6e21\u3057).<\/strong> This usually happens 1 to 2 months after signing. You pay the balance, the remaining fees and the prorated property tax. Buyers overseas should note that international transfers take 3 to 7 business days and need proof of funds.<\/li>\n\n\n\n<li><strong>Ownership registration (\u6240\u6709\u6a29\u79fb\u8ee2\u767b\u8a18).<\/strong> The judicial scrivener (\u53f8\u6cd5\u66f8\u58eb) files with the Legal Affairs Bureau (\u6cd5\u52d9\u5c40) on handover day.<\/li>\n\n\n\n<li><strong>Report to the Bank of Japan within 20 days.<\/strong> This applies to non-residents only. It is not needed if the home is for you or your family to live in.<\/li>\n<\/ol>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Buying_a_house_in_Japan_with_a_mortgage_the_8-step_process\"><\/span>Buying a house in Japan with a mortgage: the 8-step process<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">A mortgage purchase usually takes 2 to 4 months. The big difference is that you get the bank on board before you choose a home.<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Pre-approval (\u4e8b\u524d\u5be9\u67fb), about 3 days to 1 week.<\/strong> Find out how much you can borrow. Applying to 2 or 3 banks at once lets you compare offers.<\/li>\n\n\n\n<li><strong>Find a home and submit a purchase application.<\/strong> Stay within your pre-approved budget and shortlist homes that banks will finance.<\/li>\n\n\n\n<li><strong>Explanation of important matters (\u91cd\u8981\u4e8b\u9805\u8aac\u660e).<\/strong> Make sure it is explained in your language before you sign.<\/li>\n\n\n\n<li><strong>Sign the contract and pay a 5 to 10% deposit.<\/strong> Always include a mortgage contingency clause (\u30ed\u30fc\u30f3\u7279\u7d04). It makes sure your deposit is refunded if the loan is declined.<\/li>\n\n\n\n<li><strong>Final loan approval (\u672c\u5be9\u67fb) and loan agreement, about 1 to 3 weeks.<\/strong> Choose a fixed or variable rate and take out fire insurance.<\/li>\n\n\n\n<li><strong>Loan disbursement, settlement and handover.<\/strong> All three happen at the bank on the same day.<\/li>\n\n\n\n<li><strong>Ownership and mortgage registration.<\/strong> The judicial scrivener files both the same day.<\/li>\n\n\n\n<li><strong>First-year tax return (\u78ba\u5b9a\u7533\u544a), 16 February to 15 March the following year.<\/strong> Claim the mortgage tax credit of 0.7% of your year-end loan balance. From year two, your employer handles it through year-end adjustment (\u5e74\u672b\u8abf\u6574).<\/li>\n<\/ol>\n\n\n\n<p class=\"wp-block-paragraph\">Not sure which rate type fits you? Compare them in our guide to <a href=\"https:\/\/arealty.jp\/blog\/fixed-vs-variable-rate-mortgage-japan-2026\/\" target=\"_blank\" rel=\"noreferrer noopener\">fixed vs variable rate mortgages in Japan<\/a>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"How_much_does_buying_a_house_in_Japan_really_cost\"><\/span>How much does buying a house in Japan really cost?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Here is a worked example for a pre-owned home priced at \u00a550 million. Actual figures depend on the bank, area, property type and assessed value (\u8a55\u4fa1\u984d).<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>Item<\/th><th>How it is calculated<\/th><th>Cash purchase<\/th><th>90% mortgage<\/th><\/tr><\/thead><tbody><tr><td>Deposit (\u624b\u4ed8\u91d1)<\/td><td>5 to 10% of price, credited toward the price<\/td><td>\u00a52.5M to \u00a55M<\/td><td>\u00a52.5M to \u00a55M<\/td><\/tr><tr><td>Upfront (\u982d\u91d1)<\/td><td>Amount not borrowed<\/td><td>\u00a550M<\/td><td>\u00a55M<\/td><\/tr><tr><td>Loan amount (\u501f\u5165\u984d)<\/td><td>80 to 90% of price<\/td><td>n\/a<\/td><td>\u00a545M<\/td><\/tr><tr><td>Brokerage fee (\u4ef2\u4ecb\u624b\u6570\u6599)<\/td><td>Max 3% + \u00a560,000 + 10% tax<\/td><td>\u00a51.72M<\/td><td>\u00a51.72M<\/td><\/tr><tr><td>Stamp duty, sales contract (\u5370\u7d19\u7a0e)<\/td><td>Reduced rate until 31 March 2027<\/td><td>\u00a510,000<\/td><td>\u00a510,000<\/td><\/tr><tr><td>Registration tax (\u767b\u9332\u514d\u8a31\u7a0e)<\/td><td>Land 1.5%, building 0.3% of assessed value; mortgage 0.1% of loan<\/td><td>about \u00a5200K to \u00a5400K<\/td><td>about \u00a5250K to \u00a5450K<\/td><\/tr><tr><td>Judicial scrivener fees (\u53f8\u6cd5\u66f8\u58eb\u5831\u916c)<\/td><td>Transfer and mortgage registration<\/td><td>about \u00a550K to \u00a5100K<\/td><td>about \u00a5100K to \u00a5150K<\/td><\/tr><tr><td>Loan handling fee (\u878d\u8cc7\u4e8b\u52d9\u624b\u6570\u6599)<\/td><td>About 2.2% of the loan<\/td><td>n\/a<\/td><td>\u00a5990,000<\/td><\/tr><tr><td><strong>Total extra costs (\u8af8\u8cbb\u7528)<\/strong><\/td><td>Also includes insurance and acquisition tax<\/td><td><strong>\u00a53M to \u00a54M<\/strong><\/td><td><strong>\u00a54M to \u00a55M<\/strong><\/td><\/tr><tr><td><strong>Monthly repayment<\/strong><\/td><td>Variable 1.25%, 35 years<\/td><td>n\/a<\/td><td><strong>about \u00a5132,000<\/strong><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"One-time_costs_explained\"><\/span>One-time costs explained<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Brokerage fee:<\/strong> Capped by law. It covers the search, legal checks, negotiation, contract and handover. Half is paid at signing and half at handover. New builds bought from a developer usually carry no fee. Read more in our guide to <a href=\"https:\/\/arealty.jp\/blog\/real-estate-agent-fee-japan\/\" target=\"_blank\" rel=\"noreferrer noopener\">real estate agent fees in Japan<\/a>.<\/li>\n\n\n\n<li><strong>Stamp duty:<\/strong> \u00a510,000 for contracts of \u00a510 to \u00a550 million, and \u00a530,000 for \u00a550 to \u00a5100 million. Loan contracts get no reduction: \u00a520,000 or \u00a560,000. The reduced rates are set out by the <a href=\"https:\/\/www.nta.go.jp\/taxes\/shiraberu\/taxanswer\/inshi\/7108.htm\" target=\"_blank\" rel=\"noreferrer noopener\">National Tax Agency<\/a>.<\/li>\n\n\n\n<li><strong>Registration tax:<\/strong> Land 1.5%, building 0.3% for qualifying homes, and mortgage 0.1%.<\/li>\n\n\n\n<li><strong>Insurance:<\/strong> Fire cover costs about \u00a510,000 to \u00a520,000 a year, or \u00a530,000 to \u00a540,000 with earthquake cover.<\/li>\n\n\n\n<li><strong>Real estate acquisition tax (\u4e0d\u52d5\u7523\u53d6\u5f97\u7a0e):<\/strong> 3% of assessed value, billed a few months after purchase. Qualifying homes get a \u00a512 million deduction, so it is usually very low.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Annual_costs_of_ownership\"><\/span>Annual costs of ownership<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Fixed asset tax (\u56fa\u5b9a\u8cc7\u7523\u7a0e):<\/strong> 1.4% of assessed value, paid in 4 instalments a year.<\/li>\n\n\n\n<li><strong>City planning tax (\u90fd\u5e02\u8a08\u753b\u7a0e):<\/strong> up to 0.3% of assessed value.<\/li>\n\n\n\n<li>Assessed value is usually well below the purchase price. Residential land up to 200 m\u00b2 is taxed on 1\/6 of its assessed value (1\/3 for city planning tax).<\/li>\n\n\n\n<li>Condo owners also pay the management fee and repair reserve, usually \u00a520,000 to \u00a530,000 a month.<\/li>\n\n\n\n<li>House owners should set aside \u00a5200,000 to \u00a5300,000 a year for major repairs.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Buying_vs_renting_over_10_years\"><\/span>Buying vs renting over 10 years<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Renting at \u00a5150,000 a month for 10 years costs \u00a518 million, and you own nothing at the end. Repaying about \u00a5132,000 a month on a \u00a550 million home means you will have paid off about \u00a510.9 million of principal after 10 years. That equity is still yours.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Want your own numbers?<\/strong> Send us your income, visa status and preferred area, and we will reply with a cost estimate and pre-approval result within about a week.<\/p>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/arealty.jp\/about?utm_source=blog_form_about&amp;utm_medium=blog_about&amp;utm_campaign=organic_blog#contactForm\" target=\"_blank\" rel=\"noopener\">Get My Free Cost Estimate<\/a><\/div>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Can_you_get_a_mortgage_without_permanent_residency\"><\/span>Can you get a mortgage without permanent residency?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Yes. Based on a survey of 19 banks by Diamond Real Estate Research (Diamond \u4e0d\u52d5\u7523\u7814\u7a76\u6240), these lenders accept some borrowers without permanent residency. Conditions change, so always check the latest terms.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>Bank<\/th><th>Conditions for borrowers without permanent residency<\/th><\/tr><\/thead><tbody><tr><td>SMBC (\u4e09\u4e95\u4f4f\u53cb\u9280\u884c)<\/td><td>Online plan for foreign residents with a status of residence (except short-term)<\/td><\/tr><tr><td>SBI Shinsei Bank (SBI\u65b0\u751f\u9280\u884c)<\/td><td>Spouse must be Japanese or a permanent resident and act as joint guarantor<\/td><\/tr><tr><td>Tokyo Star Bank (\u6771\u4eac\u30b9\u30bf\u30fc\u9280\u884c)<\/td><td>Foreign residents who can read and understand a Japanese contract<\/td><\/tr><tr><td>Sumitomo Mitsui Trust (\u4e09\u4e95\u4f4f\u53cb\u4fe1\u8a17), SBI Sumishin Net Bank (\u4f4f\u4fe1SBI)<\/td><td>May accept residence card holders, case by case<\/td><\/tr><tr><td>Flat 35, Mizuho, MUFG, Resona and others<\/td><td>Usually require permanent residency or Japanese nationality<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>How to improve your chances:<\/strong> apply for pre-approval at 2 or 3 banks at once, raise your down payment to 20 to 30%, borrow jointly with your spouse, and choose homes that are easy to value, such as central condos and new builds. Our full guide to <a href=\"https:\/\/arealty.jp\/blog\/buying-property-without-permanent-residency-japan-guide\/\" target=\"_blank\" rel=\"noreferrer noopener\">buying property without permanent residency<\/a> goes deeper.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"The_mortgage_tax_credit_%E4%BD%8F%E5%AE%85%E3%83%AD%E3%83%BC%E3%83%B3%E6%8E%A7%E9%99%A4\"><\/span>The mortgage tax credit (\u4f4f\u5b85\u30ed\u30fc\u30f3\u63a7\u9664)<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>0.7%<\/strong> of your year-end loan balance is deducted from your income tax each year, for <strong>10 to 13 years<\/strong> (move-ins from 2026 to 2030).<\/li>\n\n\n\n<li><strong>Maximum eligible balance:<\/strong> \u00a520 million for standard homes, \u00a535 million for energy-efficient homes, and up to \u00a545 million for households with children or young couples.<\/li>\n\n\n\n<li><strong>Conditions:<\/strong> owner-occupied, 50 m\u00b2 or more (40 m\u00b2 if income is under \u00a510 million), and a loan term of 10 years or more.<\/li>\n\n\n\n<li>Foreign tax residents qualify on the same terms as Japanese nationals.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">For the latest rate data, see <a href=\"https:\/\/arealty.jp\/blog\/japan-housing-loan-interest-rates-2026-trends\/\" target=\"_blank\" rel=\"noreferrer noopener\">Japan mortgage rates in 2026<\/a>.<\/p>\n\n\n\n<figure class=\"wp-block-image aligncenter size-full\"><img decoding=\"async\" width=\"800\" height=\"400\" sizes=\"(max-width: 800px) 100vw, 800px\" src=\"https:\/\/arealty.jp\/blog\/wp-content\/uploads\/2025\/12\/Buying-a-house-in-Japan-1-2.webp\" alt=\"\" class=\"wp-image-7478\" srcset=\"https:\/\/arealty.jp\/blog\/wp-content\/uploads\/2025\/12\/Buying-a-house-in-Japan-1-2.webp 800w, https:\/\/arealty.jp\/blog\/wp-content\/uploads\/2025\/12\/Buying-a-house-in-Japan-1-2-300x150.webp 300w, https:\/\/arealty.jp\/blog\/wp-content\/uploads\/2025\/12\/Buying-a-house-in-Japan-1-2-768x384.webp 768w\" \/><figcaption class=\"wp-element-caption\">Real estate agent handing over house keys<\/figcaption><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Can_you_buy_a_home_in_Japan_from_overseas\"><\/span>Can you buy a home in Japan from overseas?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Yes, and you do not need to fly in. Buying a house in Japan remotely works like this:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Everything done remotely:<\/strong> video viewings, e-contracts (\u96fb\u5b50\u5951\u7d04) or signing by post, international transfers, and a power of attorney (\u59d4\u4efb\u72b6) plus signature certificate (\u30b5\u30a4\u30f3\u8a3c\u660e). The judicial scrivener can then complete the handover and registration for you.<\/li>\n\n\n\n<li><strong>Report to the Bank of Japan:<\/strong> non-residents must report within 20 days under the Foreign Exchange and Foreign Trade Act, unless the home is for you or your family to live in.<\/li>\n\n\n\n<li><strong>Tax representative (\u7d0d\u7a0e\u7ba1\u7406\u4eba):<\/strong> non-residents need a person or company in Japan to receive tax notices and pay taxes on their behalf.<\/li>\n\n\n\n<li><strong>Withholding tax (\u6e90\u6cc9\u5fb4\u53ce):<\/strong> if you rent to a company, the tenant withholds 20.42% of the rent. When you sell, the buyer withholds 10.21% of the price. File a tax return to recover any excess.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Note that most non-residents buy with cash, as Japanese banks rarely lend to people who live abroad. For a broader overview, read our guide for <a href=\"https:\/\/arealty.jp\/blog\/foreigners-buying-real-estate-japan-guide\/\" target=\"_blank\" rel=\"noreferrer noopener\">foreigners buying real estate in Japan<\/a>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Key_tips_before_you_sign\"><\/span>Key tips before you sign<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Choose location over floor area.<\/strong> Homes within 10 minutes of a station on a major line hold their value and are easier to rent and resell.<\/li>\n\n\n\n<li><strong>Check the land.<\/strong> Land where rebuilding is not permitted (\u518d\u5efa\u7bc9\u4e0d\u53ef) usually cannot be mortgaged. Check the local hazard map too.<\/li>\n\n\n\n<li><strong>Know the new 2026 rule.<\/strong> From 1 April 2026, owners must register a change of name or address within 2 years, or face a fine of up to \u00a550,000.<\/li>\n\n\n\n<li><strong>Ask the right questions.<\/strong> Use our list of <a href=\"https:\/\/arealty.jp\/blog\/key-questions-to-ask-real-estate-agent-japan\/\" target=\"_blank\" rel=\"noreferrer noopener\">key questions to ask a real estate agent in Japan<\/a> before your first viewing.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Frequently_asked_questions\"><\/span>Frequently asked questions<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<div class=\"schema-faq wp-block-yoast-faq-block\"><div class=\"schema-faq-section\" id=\"faq-question-1791790515488\"><strong class=\"schema-faq-question\">I&#8217;m on a work visa without permanent residency. Can I get a mortgage?<\/strong> <p class=\"schema-faq-answer\">Yes. Banks mainly look at your income, length of employment, and tax and insurance history. Several banks, including SMBC and Tokyo Star Bank, lend to foreign residents without permanent residency.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1791790521410\"><strong class=\"schema-faq-question\">Can I buy a house in Japan without coming to Japan?<\/strong> <p class=\"schema-faq-answer\">Yes. You can view homes by video, sign electronically or by post, and give the judicial scrivener a power of attorney to handle the handover. You will also need a tax representative in Japan.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1791790526874\"><strong class=\"schema-faq-question\">Does buying a home in Japan give me a visa?<\/strong> <p class=\"schema-faq-answer\">No. Owning property does not grant a status of residence. You must qualify for a visa separately.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1791790532736\"><strong class=\"schema-faq-question\">Should I choose a fixed or variable rate?<\/strong> <p class=\"schema-faq-answer\">Variable rates are about 1.2 to 1.3% but can rise. Flat 35 fixed rates are about 3.3 to 3.5% (September 2026). Compare simulations from 2 or 3 banks before deciding.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1791790538804\"><strong class=\"schema-faq-question\">If I rent the home out, do I pay tax in Japan?<\/strong> <p class=\"schema-faq-answer\">Yes. Rental income from Japanese property is taxed in Japan. Non-residents pay it through their tax representative.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1791790550876\"><strong class=\"schema-faq-question\">What does it cost to sell later?<\/strong> <p class=\"schema-faq-answer\">If you have owned the home for over 5 years, the tax on the gain is about 20.315%. Under 5 years, it is 39.63%. Selling your own home qualifies for a \u00a530 million special deduction.<\/p> <\/div> <\/div>\n\n\n\n<figure class=\"wp-block-image aligncenter size-full\"><img decoding=\"async\" width=\"800\" height=\"400\" sizes=\"(max-width: 800px) 100vw, 800px\" src=\"https:\/\/arealty.jp\/blog\/wp-content\/uploads\/2025\/12\/Buying-a-house-in-Japan-2-1.webp\" alt=\"\" class=\"wp-image-7479\" srcset=\"https:\/\/arealty.jp\/blog\/wp-content\/uploads\/2025\/12\/Buying-a-house-in-Japan-2-1.webp 800w, https:\/\/arealty.jp\/blog\/wp-content\/uploads\/2025\/12\/Buying-a-house-in-Japan-2-1-300x150.webp 300w, https:\/\/arealty.jp\/blog\/wp-content\/uploads\/2025\/12\/Buying-a-house-in-Japan-2-1-768x384.webp 768w\" \/><figcaption class=\"wp-element-caption\">Contemporary residential condominium in central Tokyo<\/figcaption><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Start_buying_your_home_in_Japan_with_A-Realty\"><\/span>Start buying your home in Japan with A-Realty<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Your first step is free: find out how much you can borrow. Send A-Realty your income, visa status and preferred area. Within about a week, you will receive a pre-approval result and a shortlist of homes.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A-Realty has helped over 1,000 international clients from 40+ countries, with a 5.0 rating from 211 Google reviews. We work in 7 languages: Vietnamese, English, Japanese, Chinese, Russian, Indonesian and Burmese. Consultation, search and viewings are free. <\/p>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/arealty.jp\/about?utm_source=blog_form_about&amp;utm_medium=blog_about&amp;utm_campaign=organic_blog#contactForm\" target=\"_blank\" rel=\"noopener\">Get a Free Pre-Approval Check<\/a><\/div>\n\n\n\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/arealty.jp\/buy\" target=\"_blank\" rel=\"noopener\">Browse Homes for Sale<\/a><\/div>\n\n\n\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/arealty.jp\/rent\" target=\"_blank\" rel=\"noopener\">Browse Apartments for Rent<\/a><\/div>\n<\/div>\n\n\n\n<p class=\"wp-block-paragraph\">Prefer to talk? Visit <a href=\"https:\/\/arealty.jp\/\" target=\"_blank\" rel=\"noreferrer noopener\">arealty.jp<\/a> or call Tokyo 03-6302-1215 \/ Osaka 06-6476-9651 (10:00 to 19:00, closed Sundays and Wednesdays).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><em>For reference only, updated October 2026. Rules, tax rates and lending conditions change over time and by case. Sources: Ministry of Finance Japan, Legal Affairs Bureau, National Tax Agency No.7108, Diamond Real Estate Research, LIFULL HOME&#8217;S and others.<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Last updated: October 2026 \u00b7 By Lucy Nguyen, Marketing Specialist at A-Realty Short answer: Yes, foreigners can buy a house in Japan with full freehold ownership (\u6240\u6709\u6a29). You do not need a visa to buy, and you do not need permanent residency to get a mortgage at several Japanese banks. A cash purchase takes 7 [&hellip;]<\/p>\n","protected":false},"author":5,"featured_media":3227,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_lmt_disableupdate":"","_lmt_disable":"","footnotes":""},"categories":[6],"tags":[291,301,300,299,298,700,699,696,697,698],"class_list":["post-3225","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-home-buying-tips","tag-buying-a-house-in-japan","tag-foreigners-buying-property-japan","tag-home-buying-tips-japan","tag-japan-property-market","tag-japan-real-estate-guide","tag-buying-property-from-overseas","tag-home-buying-costs-japan","tag-home-buying-process-japan","tag-japan-mortgage-for-foreigners","tag-mortgage-without-permanent-residency"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Buying a House in Japan 2026: Steps, Costs and Mortgages - A-Realty Blog<\/title>\n<meta name=\"description\" content=\"Learn the full process of buying a house in Japan, including costs, legal procedures, and practical tips to save money. A complete guide for foreigners and first-time buyers.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/arealty.jp\/blog\/buying-a-house-in-japan\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Buying a House in Japan 2026: Steps, Costs and Mortgages - A-Realty Blog\" \/>\n<meta property=\"og:description\" content=\"Learn the full process of buying a house in Japan, including costs, legal procedures, and practical tips to save money. 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Several banks, including SMBC and Tokyo Star Bank, lend to foreign residents without permanent residency.","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/arealty.jp\/blog\/buying-a-house-in-japan\/#faq-question-1791790521410","position":2,"url":"https:\/\/arealty.jp\/blog\/buying-a-house-in-japan\/#faq-question-1791790521410","name":"Can I buy a house in Japan without coming to Japan?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Yes. You can view homes by video, sign electronically or by post, and give the judicial scrivener a power of attorney to handle the handover. You will also need a tax representative in Japan.","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/arealty.jp\/blog\/buying-a-house-in-japan\/#faq-question-1791790526874","position":3,"url":"https:\/\/arealty.jp\/blog\/buying-a-house-in-japan\/#faq-question-1791790526874","name":"Does buying a home in Japan give me a visa?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"No. Owning property does not grant a status of residence. You must qualify for a visa separately.","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/arealty.jp\/blog\/buying-a-house-in-japan\/#faq-question-1791790532736","position":4,"url":"https:\/\/arealty.jp\/blog\/buying-a-house-in-japan\/#faq-question-1791790532736","name":"Should I choose a fixed or variable rate?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Variable rates are about 1.2 to 1.3% but can rise. Flat 35 fixed rates are about 3.3 to 3.5% (September 2026). Compare simulations from 2 or 3 banks before deciding.","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/arealty.jp\/blog\/buying-a-house-in-japan\/#faq-question-1791790538804","position":5,"url":"https:\/\/arealty.jp\/blog\/buying-a-house-in-japan\/#faq-question-1791790538804","name":"If I rent the home out, do I pay tax in Japan?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Yes. Rental income from Japanese property is taxed in Japan. Non-residents pay it through their tax representative.","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/arealty.jp\/blog\/buying-a-house-in-japan\/#faq-question-1791790550876","position":6,"url":"https:\/\/arealty.jp\/blog\/buying-a-house-in-japan\/#faq-question-1791790550876","name":"What does it cost to sell later?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"If you have owned the home for over 5 years, the tax on the gain is about 20.315%. Under 5 years, it is 39.63%. Selling your own home qualifies for a \u00a530 million special deduction.","inLanguage":"en-US"},"inLanguage":"en-US"}]}},"modified_by":"admin","arealty_yoast":null,"_links":{"self":[{"href":"https:\/\/arealty.jp\/blog\/wp-json\/wp\/v2\/posts\/3225","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/arealty.jp\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/arealty.jp\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/arealty.jp\/blog\/wp-json\/wp\/v2\/users\/5"}],"replies":[{"embeddable":true,"href":"https:\/\/arealty.jp\/blog\/wp-json\/wp\/v2\/comments?post=3225"}],"version-history":[{"count":2,"href":"https:\/\/arealty.jp\/blog\/wp-json\/wp\/v2\/posts\/3225\/revisions"}],"predecessor-version":[{"id":7480,"href":"https:\/\/arealty.jp\/blog\/wp-json\/wp\/v2\/posts\/3225\/revisions\/7480"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/arealty.jp\/blog\/wp-json\/wp\/v2\/media\/3227"}],"wp:attachment":[{"href":"https:\/\/arealty.jp\/blog\/wp-json\/wp\/v2\/media?parent=3225"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/arealty.jp\/blog\/wp-json\/wp\/v2\/categories?post=3225"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/arealty.jp\/blog\/wp-json\/wp\/v2\/tags?post=3225"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}