en
Stephanie
Rubio
Every contract clause and monthly number explained before you buy your home in Japan
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.
How I can help
- Explain complex contract terms in plain English
- Simulate your bank financing options clearly
- Show practical ways to ease your monthly installments
- Find smart ways to reduce your future energy bills
About
Navigating Japanese property contracts and bank calculations should never feel like a leap in the dark.
You deserve to know exactly what every clause means and where every yen goes before committing to your purchase.
Together, we review the fine print at your own pace, translating complex terms and running bank simulations so you move forward with absolute confidence.
Languages I work in
- 日本語fluent
- Englishnative
Frequent questions
The questions almost everyone brings to our first conversation.
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.
Can I get a mortgage without permanent residency?
In many cases, yes. Some banks only lend to permanent residents (永住権). Others accept other visa types and look at your years in Japan, time with your employer and income. I take your case to the banks that work with your profile before you set your heart on a property.
Do I need savings for a down payment?
Very little. Some banks finance the full price and others ask for a down payment, depending on your visa and income. On top of the price there are purchase costs (諸費用), such as taxes, registration, bank fees and insurance, which end up included in the loan. Only a small amount is asked to reserve the house, and it is returned when the contract is signed. I show you the full figure before you commit to anything.
Will the mortgage payment be higher than my rent?
In many cases it ends up similar, and sometimes even lower. That depends on the interest rate, the loan term and the price of the home. I run the simulation and put the two numbers side by side, so you decide from the figures rather than a guess.
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.
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.
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