en
Efraim
Toyota
- Years in business
- 8+
- Systems created
- 10+
- Classes taught
- 100+
Stop paying rent and move into your own home without the paperwork headache
Services
- Your own home in JapanStop paying rent and start paying for something that is yours. I run the numbers with the banks for your situation.
- The garage and garden you wantRoom for the car, for the kids to play and for having family over on weekends.
- Lower payments on the home you already haveMany people pay more interest than they need to. I review your loan and show you how much you could save.
- Your next home, without the hassleI handle the paperwork, explain every cost and stay with you until moving day, in your language.
How I can help
- Run the bank simulation
- Explain the paperwork without legal jargon
- Be available after business hours
About
Owning a home can feel out of reach when you look at the paperwork and the math.
We turn that idea into a realistic plan by looking closely at every single number together.
Send me a message after your shift ends. We will check the bank loan simulation and handle all the paperwork at your pace and on your terms.
Languages I work in
- Portuguêsnative
- Englishbasic
Frequent questions
The questions almost everyone brings to our first conversation.
Do I need a Japanese guarantor?
In most cases, no. Almost every contract today uses a guarantor company (保証会社): you pay a fee instead of finding a personal guarantor. I handle that part and tell you upfront what each property requires.
How much do I need upfront to move in?
Move-in costs (初期費用) usually run four to six months of rent, covering deposit, key money, guarantor fee, insurance and the first month. Some properties have no key money or deposit at all. I give you the full figure for the property you pick before you commit to anything.
Which documents do I need?
The basics are your residence card (在留カード), proof of income or a letter from your employer, and an emergency contact. Individual landlords may ask for more, so I send you the exact list before you start gathering paperwork.
Will you speak my language all the way through?
Yes — from the first message to signing, including talking to the management company and going through the contract with you. The languages I work in are listed above on this page.
Can a foreign resident buy a home in Japan?
Yes — Japan places no nationality restriction on buying property. The tricky part is the mortgage: each bank sets its own requirements on visa status, years in Japan and income. I go through what is realistic for you today, without promising what a bank would not approve.
Does talking to you cost anything?
No. Asking questions, viewing properties and getting a cost breakdown are all free. The brokerage fee only applies if a contract goes through, and it appears in the breakdown I show you before you sign.
My work
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