The financial institutes below are willing to offer housing loan for non- Japanese people.
No Permanent Residency status needed. No guarantor needed. You must live in Japan more than 5 years and work for a company for more than 3 years. The down payment must be more than 20 % of the sales price.
The same as above of Mitsui Sumitomo bank
No Permanent Residency status needed. The spouse must be Japanese national or permanent residency holder. Also the spouse must be a guarantor.
No Permanent Residency status needed. No guarantor needed. The yearly income must be more than 4,000,000 JPY. The down payment must be more than 30 % of the sales price.
No Permanent Residency status needed. No guarantor needed. A foreigner must be residing in Japan with their yearly income for the previous year being over JPY5,000,000. English-speaking assistance is available.
No Permanent Residency status needed. No guarantor needed. All they require is that the down payment must be more than 20 %.
We REMAX outsource a mortgage company named iyell. They charge 100,000 JPY but they choose the best financial institute for you. In the long run you will save millions by asking them to find a good one.
I am assuming Japanese government is easing the regulation for a foreigner to buy a house. They are hoping more immigrants come to Japan. Actually Japan is one of the best immigrant friendly nation in the world. A lot of people say Japanese language is tough, but speaking and listening are quiet easy. You will learn speaking and listening pretty soon.
Again, you don’t have to have a permanent residency to apply for a housing loan in Japan. As long as you meet these conditions above, you are qualified to apply for a housing loan.
You will have some benefits by having a house, such as home benefit, tax deduction, group credit life insurance, etc…I think the government is trying to boost the economy. I can tell you more if you want. Just ask me any question.