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Jèsus

Languages I work in

• Portuguêsfluent
• Españolbasic

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), so 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. The amount can be paid in up to 60 installments, with no credit card needed. I give you the full figure for the property you pick before you commit to anything.

• 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.