🏠 Buying a Home in Japan Without Permanent Residency: An Interview from Nerima
- 株式会社 bamboo-COPTER
- Nov 24, 2025
- 2 min read
“Can you buy a home in Japan without permanent residency?”
We interviewed Mr.A, who successfully purchased a 2LDK, 50㎡, seismic-code-compliant condominium in Nerima, Tokyo, without holding permanent residency.
The property price was approximately ¥40,000,000, and the mortgage interest rate was 2.07%.
This case provides valuable insights for foreigners considering their first home in Japan.
Why Choose Nerima?
A, I had never lived in Nerima before, but research revealed many advantages:
Multiple train lines provide excellent access for commuting and leisure
The neighborhood offers convenient daily living amenities
The location maintains good resale and rental value
“These factors convinced me that Nerima was the right choice,” A said.Even without permanent residency, properties in areas like Nerima can be purchased with confidence.
Choosing a Used Condominium: 2LDK, 50㎡, Seismic-Compliant
The property purchased met the following criteria:
Layout: 2LDK, approx. 50㎡
Building: Compliant with Japan’s post-1981 seismic standards
Management: Well-known condominium with reliable management
Price: Approx. ¥40,000,000
Mortgage Interest Rate: 2.07%
Mr. A emphasized that seismic compliance and proper building management were key factors in the decision.
Mortgage and Financial Planning
Although a certain amount of down payment was required, being able to secure a mortgage at 2.07% without permanent residency was remarkable.
In A’s home country, mortgage rates rarely go below the low 2% range
For those planning to stay in Japan long-term, these mortgage terms are highly advantageous
Financial planning focused on preparing a reasonable down payment and taking advantage of Japan’s low-interest mortgage rates.
Planning for the Future: Selling or Renting
Mr. A also considered the possibility of leaving Japan in the future:
The property is in a location with stable resale value
Renting it out is possible
The mortgage can be refinanced if needed
“This flexibility reduces risk and provides peace of mind,” He explained.
Benefits of Buying in Nerima for Foreigners
Key takeaways from Mr.A’s experience:
Mortgages are accessible even without permanent residency
Nerima offers excellent transportation and a comfortable living environment
Seismic-compliant, well-managed used properties are available
Future resale or rental options provide a safety net
Low-interest rates allow for a manageable financial plan
Nerima is an ideal location for foreigners buying a home for the first time.
Mr. A experience demonstrates that with the right research and planning, owning a property in Japan is achievable without permanent residency.
If you are considering buying a home, please consult bamboo-COPTER!
Thank you for reading until the end!
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