DEBT · 再
There is a way out — and you do not have to face this alone
If your payments are too high or the bank has already sent a letter, take a deep breath: there is still time to act. The sooner you talk to us, the more options you have. We have guided hundreds of people through a fresh start — without any judgment.
MAYBE YOU ARE GOING THROUGH THIS
You are not alone in this
Many of our clients reached the exact same point where you are now. Acknowledging the problem is the first step to a solution:
Your mortgage payments are heavier than you can handle.
You received a letter from the bank about your loan and do not know what to do.
You have multiple debts at the same time and do not know where to start.
You are afraid of losing your home in a public auction.
THE SOLUTION
Voluntary sale: selling by your own choice, not the bank's
A voluntary sale (nin-i baikyaku), selling your property by choice before it goes to auction because of missed payments. The difference is huge.
In a public auction, the property is usually sold for a low price, you have no say in the decisions, and the debt is barely reduced. In a voluntary sale, it tends to sell for more — so you are left with less debt —, you understand every step, and you keep control of your situation. We have been doing this since the 2008 global crisis, and we know both sides well.
What if your property has already gone to auction? Even so, it is worth talking to us — in many cases there is still something we can do, and we help you through that process too.
Mr. Muto often tells clients here: something is more important than the house — your family. The goal is never just to settle the debt on paper; it is to give you back your peace of mind to start over.
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Check our service locations
– AICHI
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– FUKUI
– ISHIKAWA
– TOYAMA
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– YAMANASHI
– KANAGAWA
– TOKYO
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– HYOGO
– OKAYAMA
– HIROSHIMA
– SHIMANE
Contact us and ask your questions!
09:00 to 18:00 Closed on Wednesdays
MYTHS AND FACTS
What people 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 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 THEY TOLD YOU
“If you do not have savings, do not even try.”
THE TRUTH
7 out of 10 families we help came with less than ¥300,000. A low down payment (or even zero) is not impossible — it depends on your case.
WHAT THEY TOLD YOU
“With dispatch work (haken), the bank won’t 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 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 before giving up.
WHAT THEY TOLD YOU
“I need to speak perfect Japanese to buy a home.”
THE TRUTH
We offer support in English (LINE or WhatsApp), from the 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 buy or sell a property — and in that case, the cost is covered by the loan itself.
It is best to make an appointment because we give priority to scheduled times. But if an agent is free, we can 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 most 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, of course. We have a kids’ corner — please feel welcome.
Sure. Many people contact us just to understand their options without a property in mind. There is no obligation at all.
For a first chat, nothing. To check your options, it helps to have: your residence card (zairyu kado), health insurance card, and last year’s income tax certificate (gensen choshuhyo) or payslips.
Often, yes. Even people with past credit issues can get a loan when the right conditions are met. It is worth talking before deciding on your own that it is impossible.
WHERE WE ARE
Come talk to us in person
Our office is in Okazaki — We help people from many regions of 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 to 18:00 · 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).