BUYING · 買
Buying your home in Japan is more possible than you think
We start by understanding your situation — your income, your history, your plans — and only then do we look for a property. This way, every house you visit fits your budget, and you do not chase dreams that are not realistic.
THIS IS FOR YOU
Maybe you recognize yourself here
Buying your first home often comes with many doubts and “is it possible?”. If you identify with any of these situations, talking to us can change your game:
You pay rent and feel like you are paying for someone else’s house.
You think you do not have enough income or savings for a loan.
You want to buy, but you do not know where to start.
You are worried about dealing with Japanese and contracts.
THE FIRST STEP
What you need to get started
Less than you think. For the first chat, nothing — it is free and with no commitment. If you decide to move on to the simulation, having these items ready helps a lot:
- Residence card (Zairyu Card, your ID card in Japan)
- Income certificate from last year (Gensen Choshu-hyo) or pay slips
- Health insurance card (Kenko Hoken Shogusho)
And most importantly: the willingness to talk. The rest — missing documents, paperwork, choosing the bank — we organize together with you.
🔑 Want to buy below market price?
We also help with buying court auction properties — a way to pay less, but with rules, deadlines, and risks very different from a regular purchase. As a registered store for this type of property, we help you understand if it makes sense for your case before any step. Talk to us to learn more.
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See 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
Get in touch and clear your doubts!
09:00 to 18:00 Closed on Wednesdays
MYTHS AND FACTS
What they told you × what is true
The phrases that make many people give up before trying — and what really happens.
WHAT THEY TOLD YOU
“Foreigners cannot get a housing 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 THEY TOLD YOU
“Without saved money, do not even bother trying.”
THE TRUTH
7 out of 10 families we help arrived with less than ¥300,000. Low down payment (or even zero) is not impossible — it depends on your case.
WHAT THEY TOLD YOU
“With temp work (Haken), banks do 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 THEY TOLD YOU
“I missed a bill payment—my credit record is bad forever.”
THE TRUTH
Not necessarily. Even people with past credit issues can sometimes get a home loan when conditions match. It is worth talking to us before giving up.
WHAT YOU WERE TOLD
“I need to speak perfect Japanese to buy a house.”
THE TRUTH
We offer support in English (LINE or WhatsApp), from the first chat 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 can help.
Yes, the first consultation is totally free with no obligation. You only pay if you decide to buy or sell a property with us—and in that case, the cost is usually covered by your housing loan.
Booking an appointment is best because we give priority to scheduled visitors. But if an agent is free, we are happy to welcome you without one.
A licensed real estate agent with over 19 years of experience in housing loans and financial planning. Koji Muto himself leads many of the consultations, sharing real experience and lessons learned from past challenges.
Between 30 and 60 minutes. We listen carefully to your situation before giving any advice.
Yes, of course. We have a small kids’ area—please feel free to bring them.
Sure. Many people come just to understand their options without having a property in mind yet. There is no pressure at all.
For a first talk, no. If you want to run a loan simulation, it helps to bring: your residence card (在留カード – *zairyu card*), health insurance card, and last year’s income certificate (源泉徴収票 – *gensen choshu hyo*) or pay slips.
Often, yes. Even people with past credit issues can get a loan when the right conditions are met. It is worth talking to us before you decide it is impossible.
WHERE WE ARE
Come talk to us in person
Our main office is in Okazaki — We help clients from many regions across Japan
MAIN 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).