Mortgage Loan for Domestic Corporates
with Foreign Capital

Product page information for English and Chinese

Mortgage Loan for Domestic Corporates with Foreign Capital

This mortgage loan is for Japan domestic corporates with representative directors from overseas.

Terms & Conditions in English ・ Chinese

Product description in English and Chinese

For further details, please contact us at

+81-3-6859-9282

Business hours: 09:00-17:00
JST / Monday - Friday (normal banking business days)

Features

Applicable for real estate
investors from overseas

Applicable for real estate investors from overseas

Investors to incorporate a Japanese domestic company to purchase a real estate in Japan (KK-Kabushiki kaisha・株式会社or GK-Godo Kaisha・合同会社).
Loan application can be processed in parallel to official company incorporation.

Loan agreement formalities in
Japanese and
English language

Loan agreement formalities in Japanese and English language

Loan agreement formalities to be concluded by officially registered Representative Director, Representative or a branch General Manager.
Designated Representative (one of the above) should hold Japanese or English language skills to understand all relative agreements to be concluded.
*All documents executed or prepared in connection to the loan shall be prepared in Japanese. Any translated material shall be for reference only.

Not Necessary

Not Necessary

*We may ask to assign a personal guarantee by Representative Director・Representative・ Shareholder(s) if determined necessary

Loan Term up to 25 years

Loan Term up to 25 years

Loan term available from 3 years up to 25 years.
Up to 35 - year amortized repayment schedule with balloon payment at maturity also available.

Terms and Conditions

Eligible Customers

  • ・A joint-stock company or limited liability company established in Japan for the purpose of purchasing a property
  • ・Disclosure of representative director(s) and investors with a 25% or higher stake in the company including name, date of birth (date of establishment) and registered address
  • ・Representative Director or appointed manager has the ability to understand agreement details in Japanese or English
  • ・Will hold a corporate bank account for repayments in Japan
  • ・Satisfy other conditions and requirements specified by Shinsei Investment & Finance
Product Mortgage Loan for Domestic Corporates with Foreign Capital
Loan Purpose Loan to purchase real estate properties in Japan
Loan Amount 75% of our assessed value of the property and within 100% of the sales & purchase price
*within JPY500MM per property, up to JPY1,000MM per agreement
Loan Term
(No. of payments)
1 ~ 25 years (12 ~ 300 payments)
*up to 35 - year amortized repayment schedule for balloon payments*1
Applied Interest Rate Variable rate 2.80% ~ 3.80% p.a.
Short-term prime rate published by Shinsei Bank 1.475% + 1.325 ~ 1.725% (as of 1 June 2018)
Interest rate reviewed every 1 April and 1 October, applied from following June and November calculations
Repayment Method ・ Monthly equal payments with interest (including balloon payment)
・ Monthly repayments due 14th of each month (next business day if 14th of the month is a holiday)
・ Repayments shall be made by automatic bank account transfers*2 from a Japanese bank or by transfers
Establishment Charge 1.00% ~ 2.00% of loan amount + consumption tax
*other government registration charges, legal fees, stamp duty, etc., are payable by the borrower
Early Repayment Charge
(in part or in full)
1.00% ~ 3.00% of the prepaying principal amount in part or full
Guarantor Not necessary
*we may ask to assign a guarantor if determined necessary
Collateral ・ First mortgage right will be created over the collateral property finance by this loan
・ Collateral properties to be located in Tokyo and surrounding major cities, central Osaka, Nagoya and Fukuoka cities
・ Fire insurance policy covering the collateral property will be mandatory and first policy claim right will be granted to Shinsei Investment & Finance
Actual Annual Percentage Rate Not to exceed 15.00% p.a.
Delay Penalty Charge 19.90% (prorated on a 365-day per year)

*1 Balloon payment: Monthly equal payments calculated in longer amortization schedule (up to 35 year), with a bullet payment of principal at loan maturity
*2 Automatic domestic bank account transfers are limited to financial institutions serviced by Aplus Co., Ltd.

Steps to Borrow

  • STEP1

    Inquiry & Consultation

    Give us a call to start the process.
    Share with us your investment & borrowing plans and property acquisition schedule. If property details are available, we will conduct an initial assessment to offer tentative loan amount in prior to application.

  • STEP2

    Application

    Please visit our office to fill out & chop our designated application form. Application can be arranged by post if necessary.

  • STEP3

    Credit Assessment

    We will conduct our credit and property assessment upon receipt of your application form and supporting documents. Depending on the results, we may not be able to accommodate your request.

  • STEP4

    Loan & Mortgage Agreement

    Along with the supporting documents, all loan & mortgage agreements to be signed & chopped at our office.

  • STEP5

    Loan Drawdown

    Loan will be drawdown on the day of handover.

For further details, please contact us at

+81-3-6859-9282

Business hours: 09:00-17:00
JST / Monday - Friday (normal banking business days)