"What this world needs is someone trustworthy to talk to."
Koji Muto, founder of Ji Consulting
Buying a home is usually the biggest financial decision of a lifetime. In Japan, it comes with contracts in Japanese, rules that change from bank to bank, and a question that almost nobody answers honestly: how much can I pay each month without making things tight?
We start right there. Before showing you any house.
WHO WE ARE
A mortgage consultancy that also sells properties
The order of these steps is not an accident.
Most people choose a house first and look for a housing loan later. We do the opposite: we start by understanding your income, your work history, and your plans. We find out how much the bank can approve for you, and only then we look at houses. Every home you visit fits your budget.
This may sound like a small detail. It is not. It prevents the disappointment of falling in love with a house you cannot buy, and it prevents costly mistakes—such as applying for a loan at many banks at the same time, which stays on your record and can block your approvals for years.
Ji Consulting was founded in 2005 in Okazaki, Aichi Prefecture, and has focused on housing loans since 2007.
Eight out of ten of our clients are foreign residents in Japan. This is not a specialty we invented; it is the group that has trusted Ji Consulting from the beginning. We offer support in English (LINE or WhatsApp), and we already know the common questions you will face: which visa the bank accepts, which documents to ask for at work, and how contract work affects your application.
We also help with the other side of the path. Since 2008, we have worked with voluntary sales (known in Japanese as nin’i baikyaku, a way to sell your home by your own choice before it goes to a court auction). Seeing both extremes helps us be very careful when advising you on how much you can comfortably afford.
Koji Muto
Founder and CEO · 武藤功史
Koji founded Ji Consulting in 2005 and, two years later, decided to focus the company on a single topic: housing loans. For nineteen years, he has been helping families buy their own homes—and, when life changes, sell them.
He personally conducts a large part of the consultations, and he insists on it. During talks, he often shares his own experiences, including the mistakes he has made—he says they help more than any technical explanation.
This also explains the care taken with the timing of the process. When a client is in a rush, our advice is usually the least commercial possible: to wait. A hurried loan application can cost years of closed doors—and no sale is worth that.
Around him, the team brings the qualifications that a complex case requires: licensed real estate agent (takuchi tatemono torihikishi, a licensed real estate agent in Japan), administrative scrivener (gyoseishoshi, a legal specialist who handles government documents and visas), financial planner, and housing loan consultant.
“We want to be the real estate agency that receives the most ‘thank yous’ in the world. And to do that, we need to be the most honest one in the world.”
WHAT WE DO
Four paths, one common topic
People come to us through different doors—those who want to buy, those who need to sell, those sorting out their visa, and those struggling with tight loan payments. Deep down, the conversation almost always leads to the same place: loans.
買
Buying
Finding the house after knowing how much the bank approves, never before. We also help with buying court auction properties, which follow a very different path from regular sales.
売
Selling
Through the traditional way, or with a direct purchase by our company when you need quick cash. The evaluation is free.
証
Visas & residency
Guidance and support for your permanent resident visa application, which is usually the step that opens the door to a housing loan. We also explain what is possible with other types of visas.
再
Debt
If your payments are too tight, or if the bank has already sent a letter, there is a way out. We do voluntary sales before foreclosure auctions and guide you through the process until the end.
We also do: support for tax returns (kakutei shinkoku, annual tax return in Japan) after purchase.
REGISTRATION
Registration, license, and associations
In Japan, no company can sell or buy real estate without a license, and the license number is public. Ours is below, and anyone can check it on the Ministry’s system before doing business with us. We recommend you check it, here or with any other company.
Our license is issued by the Ministry, not by a local prefecture (*ken* – regional government). This means the company has offices in more than one prefecture — in our case, Aichi and Shizuoka.
Company name
株式会社ＪＩコンサルティング (JI Consulting Co., Ltd.)
CEO / Director
武藤功史 — Koji Muto
Founded
January 6, 2005
Capital
¥ 3,000,000
Real estate license
国土交通大臣（2）第9118号 — Minister of Land, Infrastructure, Transport and Tourism
Association
公益社団法人 全日本不動産協会 (Zennichi — All Japan Real Estate Association)
Other
不動産競売流通協会 — Full member; certified shop for auction properties
Public search for licensed real estate agents: official system of the Ministry of Land, Infrastructure, Transport and Tourism.
The talk is free. And there is no obligation.
The first consultation takes 30 to 60 minutes and is free. You can come just to understand your situation — without a property chosen, without the intention to buy right now, and with no obligation afterwards.
If you have small children, you can bring them: we have a space for them.
Shall we talk about your goal in Japan?
Check our service locations
– AICHI
– SHIZUOKA
– MIE
– GIFU
– SHIGA
– KYOTO
– OSAKA
– FUKUI
– ISHIKAWA
– TOYAMA
– NAGANO
– YAMANASHI
– KANAGAWA
– TOKYO
– SAITAMA
– CHIBA
– IBARAKI
– GUNMA
– TOCHIGI
– HYOGO
– OKAYAMA
– HIROSHIMA
– SHIMANE
Contact us and ask your questions!
09:00 to 18:00 Closed on Wednesdays
MYTHS AND FACTS
What you were told × what is true
The phrases that make many people give up before trying — and what really happens.
WHAT YOU WERE TOLD
“Foreigners cannot get a home loan in Japan.”
THE TRUTH
8 out of 10 of our clients are foreigners. With the right bank and the right preparation, it is possible — and it happens every day.
WHAT YOU WERE TOLD
“Without savings, do not even try.”
THE TRUTH
7 out of 10 families we help arrived with less than ¥300,000. A low down payment (or even zero) is not impossible — it depends on your case.
WHAT YOU WERE TOLD
“With temporary work (*haken* – dispatched worker), the bank will not even help me.”
THE TRUTH
There are institutions that review this profile. The secret is to present your case to the right bank, in the right order.
WHAT YOU WERE TOLD
“I missed a bill payment once — my record is ruined forever.”
THE TRUTH
Not necessarily. Even people with past credit issues can get a loan when conditions align. It is worth talking before you give up.
WHAT YOU WERE TOLD
“I need to speak perfect Japanese to buy a home.”
THE TRUTH
We offer support in English (LINE or WhatsApp), from your first message to getting your keys.
TESTIMONIALS
Real stories from clients who made it
Videos and stories from Ji Consulting clients in Japan.
Frequently asked questions
Still have questions? We have answers.
Yes, the first consultation is totally free and with no obligation. You only pay if you decide to move forward with buying or selling a property — and in that case, it is covered by the loan itself.
It is best to make an appointment, as we give priority to scheduled times. But if an agent is free, we can welcome you without an appointment.
A licensed real estate agent with over 19 years of experience in housing loans, plus a financial planner. Koji Muto himself conducts many of the consultations and shares real experience, including his own mistakes.
Between 30 and 60 minutes. We listen to your situation carefully before giving any advice.
Yes, you can. We have a kids’ corner — feel free to bring them.
Of course. Many people contact us just to understand their options, without a property chosen yet. There is no obligation at all.
For an initial talk, no. If you want to do a loan simulation, it helps to bring: your residence card (*zairyu card*), health insurance card, and last year’s income certificate (*gensen choshu-hyo*) or pay slips.
Often, yes. Even people with past credit issues can get a loan when the conditions are met. It is worth talking before concluding by yourself that it is impossible.
WHERE WE ARE
Come talk to us in person
Our office is in Okazaki — We help people all over Japan
HEAD OFFICE
Okazaki, Aichi
〒444-0835
愛知県岡崎市城南町1丁目1番地9
9:00 AM to 6:00 PM · Closed on Wednesdays
Real estate consulting in Japan for foreigners. We offer support in English (LINE or WhatsApp) for 19+ years — buying, selling, visas, and debt renegotiation.
Okazaki
Support hours
- 09:00 ~ 18:00 (Closed on Wednesdays)
- Chat on WhatsApp
- 0120-96-3071 (free call in Japan)
- We offer support in English (LINE or WhatsApp).