Real Estate Loans

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Real Estate Loans in Hokkaido

We make person-to-person introductions to local, English-speaking bankers, lenders, and mortgage brokers to help you buy property here in Hokkaido.

Japan is friendly to foreign investment and it is relatively easy to buy property in Japan as a foreigner. For buyers than can pay the entire price of the property, a real estate agent can help you find an available property and complete the transaction. For buyers that will need a loan for Japanese real estate purchase, however, there are some challenges. As a Sapporo-based business, we know the local market here in Hokkaido very well, and we can introduce you to various professionals that can help you with each stage of the real estate buying process.

If you pay the full price when you buy real estate in Japan, the Japanese can think of that as you investing in Japan. Whereas if you need a loan to help finance the deal, now you are asking Japan to invest in you. In that case, there is more to understand and you might need help with various stages of buying property here.

The good news is interest rates are very low and there are many programs offered by banks to help you complete your real estate goals. And depending on your status as a buyer or an investor, you’ll have different choices.

The first consideration is your status in terms of immigration. Are you visiting Hokkaido and looking to buy investment property or a second home here in Japan? Are you living here temporary for school or work? Or are you working in Hokkaido long-term, for a Japanese employer or self-employed)?

As a temporary or returning visitor, you’ll have fewer choices about how to borrow money to buy property in Japan. A student visa, for example, would be challenging, as that is a kind of temporary relationship with residency. A working visa would make things much easier. And – for example – a long-term status work history in Japan, being employed by a Japanese company, where you can show a consistent history of income in Japan, and a relationship with an existing bank, will make the process much easier.

There are some options to finance your purchase no matter what your status is, but long-term status with Japan increases your options for a real estate loan in Hokkaido.

You do not need to have a bank account in Japan to buy property in Hokkaido, but if you want to borrow money from a bank here in Japan, having an existing banking relationship will often make that easier. Most foreigners have very few options for opening a bank account when they first arrive in Japan. After six months of residency here in Japan, more options are available (although, even getting a credit card can be difficult at that stage). If you have been in Japan for a while, if you have a bank account with certain banks, the process of getting a mortgage for property in Hokkaido becomes easier. We know many of your options here and can make introductions.

Another example relates to your ability to speak Japanese. You not need to speak Japanese to borrow money for a real estate purchase, but speaking Japanese will increase your options. There are banks that both lend money to foreigners and offers some level of services in English. Other banks will lead to foreigners, but will not offer any information in English (you’ll need to speak Japanese or use the services of a translator). Like any loan, all of the documents need to be read and understood to complete the transaction. The bank needs to be confident you understand your financial commitments. This another way of seeing how while it is certainly to buy property without a history in Japan, speaking Japanese is another way of demonstrating a long-term commitment to owning real estate in Japan – which increases the opportunities available to you as the buyer.

You have choices, but they are not always obvious. But the good news is, we can help with each stage of this process.

Our specialty is person-to-person introductions where we connect you with Hokkaido-based real estate agents that speak English and can help you find and purchase property. We also have a network of relationships with banks that offer loans, we know specific loan officers that speak English (and other languages), and can arrange for introductions. We can also arrange for translators to help you with various aspects of a real estate purchase in Hokkaido. For each step in this process, we know local professionals that can help make this process easier for you.

Find Hokkaido Agents will search our custom database of carefully-screened real estate professionals to help you rent, lease, or buy property in Hokkaido. We offer person-to-person introductions to prescreened agents (and more) that speak your language, understand your needs, and are available now to find answers to your real estate questions.

We work for you, not the real estate companies.

We provide person-to-person introductions to prescreened agents that help you sell, buy, lease, or rent property in Hokkaido. We search our custom database to connect you to real estate professionals that speak your language, address your needs and are available now to help you find what you want.

Local. Trusted. 100% free to you.

To Get Started

  1. Contact Us or Call NOW:


  • (+81) 11 206 7301
  • (+1) 844 329 2040

See our How It Works page for more information.

We are a Japanese company, located in Sapporo, Hokkaido, Japan, serving clients from all over the world.

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