Mortgages for Japanese residents without citizenship or permanent residency

If you live in Japan and want to get a mortgage to buy a home, most banks require either citizenship or permanent residency. Shinsei Bank will make an exception if your spouse is a Japanese citizen or permanent residence. Another group of banks don't require any of the above.

Here are the Japanese lenders I've found that do not require citizenship, permanent residency, or a Japanese spouse. Where only some of the bank's loan products are available to non-permanent residents, I've called out the name of the applicable product(s).

Note that I have no experience actually trying to get a mortgage from any of these lenders. The information is provided as-is without endorsement or guarantee.

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Created 11/23/22