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 |