11/06/2026
A lot of foreign buyers hear that they need permanent residency before they can get a home loan in Japan. But your loan options depend on your full situation, not just PR. Your visa status matters, but so do other details: whether you have a Japanese spouse, your employment type, your income, your company, your age, the property, and which bank you apply to. Depending on your situation, you may not need PR to get a home loan.
One person’s loan result does not automatically apply to you.