Foreigners organizing their debts and finances in Japan with Ji Consulting's support

How to Organize Your Finances and Debts in Japan

ByKoji Muto Debt

This guide helps foreign residents understand how to manage financial problems in Japan. Please note that Ji Consulting only provides debt consultations for people who own property and want to sell it.

This content is for information only and does not replace professional advice. Every financial situation is different, so please talk to an expert before you make decisions.

How to deal with debts in Japan?

Many foreign residents face money problems because of unexpected events, fewer overtime hours at the factory, or high medical bills. The first step to take back control is to know your exact financial situation.

When is selling your home a good choice?

If you own a house (*ikkodate*, a detached family home) and your loan payments or other bills are too heavy, selling the property can help you pay your debts and start over without monthly payments. Please remember that our debt consultation is only for people who want to sell their property in Japan.

We only help people who own property in Japan and want to sell it.

Starting over with Ji Consulting

Living in another country is hard, but you do not have to do it alone. We offer support in English (LINE or WhatsApp) to help you through every step safely and without judgment.

Contact Ji Consulting on LINE or WhatsApp to ask questions about how to organize your money and property in Japan.

FREQUENTLY ASKED QUESTIONS

Still have questions? We have answers.

What causes financial struggles for many foreigners in Japan?

Many foreigners face financial difficulties due to unexpected events, loss of factory overtime, or unforeseen medical expenses. The first step to regain control is to understand your exact current situation.

When should selling your home in Japan be considered as an option?

Selling your own home can be a viable way out when mortgage payments or other financial obligations become too heavy for your budget. This measure helps settle debts and allows you to start over without the burden of monthly bills.

See all frequently asked questions

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Let us talk about your goals in Japan.

We offer support in English (LINE or WhatsApp).

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– AICHI
– SHIZUOKA
– MIE
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– KYOTO
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– YAMANASHI
– KANAGAWA
– TOKYO
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– HYOGO
– OKAYAMA
 – HIROSHIMA
 – SHIMANE

Contact us and clear your doubts!

09:00 to 18:00 Closed on Wednesdays

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MYTHS AND FACTS

What people tell you × The truth

Common phrases that make many people give up before trying — and what actually happens.
WHAT PEOPLE TELL YOU
“Foreigners cannot get a home loan in Japan.”
THE TRUTH
8 out of 10 of our clients are foreigners. With the right bank and proper preparation, it is possible — and it happens every day.
WHAT PEOPLE TELL YOU
“If you have no savings, do not even try.”
THE TRUTH
7 out of 10 families who come to us started with less than ¥300,000. A low down payment (or even zero) is not impossible — it depends on your case.
WHAT PEOPLE TELL YOU
“With temporary work (*haken* – dispatched worker), banks will not even talk to 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 PEOPLE TELL YOU
“I missed a bill payment once — my credit is ruined forever.”
THE TRUTH
Not necessarily. Even people with past credit issues can get a loan when conditions align. It is worth talking to us before giving up.
WHAT PEOPLE TELL YOU
“I need to speak fluent Japanese to buy a house.”
THE TRUTH
We guide you through the entire process in English, from the first contact to getting your keys.
TESTIMONIALS

Real stories from clients who made it

Videos and stories from Ji Consulting clients in Japan.

BUYING

Other real estate agencies treated me coldly. Ji Consulting was the opposite: they explained everything at my own pace. Today I pay almost the same as my old rent, but the house is mine.

Amanda R.Okazaki · in her 30s
DEBT

Mr. Muto told me something I will never forget: there is something more important than the house, and that is the family. A new life began. Thank you very much.

Roberto S.Nishio · in his 40s
SELLING

We thought we would have to pay money from our own pocket to close the deal. We paid nothing and left with peace of mind. We were right to trust Ji Consulting.

Carlos e Mariana T.Anjo · in their 30s
FREQUENTLY ASKED QUESTIONS

Still have questions? We have answers.

Yes, the first consultation is completely free and without obligation. You only pay if you decide to buy or sell a property — and in that case, fees are usually covered by your loan.
It is best to make an appointment because we give priority to scheduled clients. But if an advisor is free, we can welcome you without one.
A licensed real estate agent with over 19 years of experience in home loans, plus a financial planner. Koji Muto himself conducts many of the consultations and shares real experience, including past mistakes to avoid.
Between 30 and 60 minutes. We listen carefully to your situation before giving any advice.
Yes, absolutely. We have a small kids’ corner — please feel welcome to bring them.
Of course. Many people contact us just to understand their options without choosing a property yet. There is no pressure at all.
For an initial chat, 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 a bad credit history can get a loan if the conditions are right. It is best to talk to us before deciding it is impossible.
WHERE WE ARE

Come visit us in person

Our office is in Okazaki — We help clients from many regions in Japan

Front of the Ji Consulting office in Okazaki, with a green sign and private parking
Ji Consulting consultation room, with a meeting table and four chairs
Ji Consulting waiting area, with sofas and a coffee table
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

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Call: 0564-64-2021

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