Property Financing

Bank Qualification Property type Maximum amount LTV Interest rate Repayment term Required Documents for pre-approval Features
MUFG Over 3years continued working term in same company
located in Japan at present		 Apartment, land, house up to 5 to 7times of the annual income 80 to 100% 0.975～ up to 35years Health Insurance card, Alien Registration card, Withholding tax certificate or tax return for past 3 years etc 100% mortgage can be possible if the brower has permanent or Japanese spouse in case the property price is below 100M JPY / Life insurance fee could include the interest if the borrower add 0.2%
Mizuho Application to permanent residency
SMBC Japanese spouse or Permanent Residency
Tokyo Star Bank Over 3 years continued working term in same company located in Japan at present Apartment, land, house up to 5 to 7 times of the annual income 80 to 100% 0.975～ up to 35 years Health Insurance card, Alien Registration card, Withholding tax certificate or tax return in past 3 years etc If the borower put the money in Tokyo Star bank account, portion of the interest payment will not charged
Citi Bank Working Visa in Japan Apartment, land, house up to 5 to 7 times of the annual income 70 to 90% 1.3～ up to 35years Health Insurance card, Alien Registration card, Withholding tax certificate or tax return in past 3 years etc 90% LTV is possible even over 100MJPY property if the brower has permanent residency or Japanese Spouse / 10years fixed interest is 1.8%
National Australia Bank Working Visa in Japan Apartment, House up to 5 to 7times of the annual income 70 to 75% 2.2～ up to 30years Alien Registration card, Withholding tax certificate or tax return in past 3 years etc  
Suruga Bank Working Visa in Japan Apartment, land, house up to 5 to 7times of the annual income up to 90% 3.5～ up to 30years Health Insurance card, Copy of the bank book, Alien Registration card, Withholding tax certificate or tax return in past 3 years etc  


Please contact us with any questions you might have