VISAS · 証

The permanent visa can be the key to your own home

For many Japanese banks, the permanent visa opens the door to a housing loan. We guide and support you on this path — in English (LINE or WhatsApp), from start to finish.

WHY THIS MATTERS

Your visa changes what the bank can offer you

Most Japanese banks look at your residence status before approving a housing loan. With a permanent visa (永주권 – eijuken: permanent residency), many more doors open — usually with better conditions and fewer requirements.
Because of this, for anyone dreaming of owning a home, sorting out the visa is usually the step that changes everything. And with guidance, it is much less scary than it seems.
HOW WE HELP

You do not need to figure out the paperwork alone

Here, Koji Muto personally handles these processes, using his experience of helping many families settle in Japan. We guide and support you step by step, at your own pace.

Clear guidance

We explain the requirements and documents for the permanent visa, and what banks usually look at.

Support

We stay by your side throughout the process, helping you organize your papers and avoid missed deadlines.

Connected to your goal

We plan your visa together with your goal of buying a property, so both paths move in the same direction.

All in English

No getting lost in Japanese forms. We translate the process for you.

What if you do not need a permanent visa yet?

Every situation is different. Visa renewal, change of status, or another type of visa — we can talk and guide you on what is possible for your case. The first step is always a casual chat to understand where to start.
Real estate tips in Japan — Ji Consulting
Permanent Visa in Japan: 5 Tips for Buying a Home Visas & residency

Permanent Visa in Japan: 5 Tips for Buying a Home

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SELLING

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DEBT

Having debt and questions about property in Japan? Here are the main related posts.

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Ji Consulting — buying and selling real estate in Japan

Shall we talk about your goal in Japan?

We offer support in English (LINE or WhatsApp).

Talk to us through your preferred channel.

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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

Contact us and ask your questions!

09:00 to 18:00 Closed on Wednesdays

Talk to us
Sign up to sell a property in Japan — Ji Consulting
Sign up to buy a property in Japan — Ji Consulting
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 foreign residents. With the right bank and proper preparation, it is possible — and it happens every day.
WHAT THEY TOLD YOU
“Without savings, there is no point in trying.”
THE TRUTH
7 out of 10 families we help arrive 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 temporary work (*haken*), the bank does not even help me.”
THE TRUTH
There are financial 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 record is ruined forever.”
THE TRUTH
Not necessarily. Even people with past credit issues can get a loan when conditions line up. It is worth talking before you give up.
WHAT THEY TOLD YOU
“I need to speak perfect Japanese to buy a home.”
THE TRUTH
We guide you through the entire process in English (LINE or WhatsApp), from the first contact to handing over the 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 totally free and with no obligation. You only pay if you decide to go ahead with buying or selling a property — and in that case, it is usually covered by your loan.
It is best to book an appointment, as we give priority to scheduled times. 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 likes to share real-life experience, including his own past mistakes.
Between 30 and 60 minutes. We listen carefully to your situation before giving any advice.
Yes, of course. We have a small kids’ corner — please feel welcome to bring them.
Sure. Many people contact us just to understand their options, without having chosen a property yet. There is no pressure at all.
For an initial chat, nothing. If you want to do a simulation, it helps to have ready: your residence card (*zairyu kādo*), your health insurance card, and your income certificate from the previous year (*gensen chōshūhyō*) or your pay slips.
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 clients from various regions of 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 to 18:00 · Closed on Wednesdays

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Call: 0564-64-2021