Case Studies

Long-Term Financing For a Company Owned By a Foreign National In Japan

• ●Client
  A foreign national who is engaged in business activities overseas and Japan (no permanent residency)
• ●Collateral
  A condominium in Tokyo
• ●Loan Amount
  JPY60 million

• Overview
• The client, who frequently travels between Japan and overseas, operates a corporation in Japan and actively invests in Japanese real estate.
  Having the experience of using our mortgage loan for purchasing properties in Tokyo, the client once again chose our loan product to acquire another condominium.

• Key Highlights
• ●Services available in English and Chinese ensures a smooth and secure process.
• ●Based on our assessment of the collateral and the client’s investment experience, we were able to offer a long-term financing plan.
  The client greatly appreciated that the monthly repayments were affordable and that the cash flow for the company improved.

Financing For Purchasing a High-End Investment Property

• ●Client
  An entrepreneur operating multiple businesses
• ●Collateral
  A luxury condominium in Tokyo
• ●Loan Amount
  JPY 1,000 million

• Overview
• The client initially considered using the property for primary residence but eventually decided to purchase under a newly-established company for investment purposes.
  The client consulted us since a typical "housing loan" was not applicable and obtaining a loan for a newly-established company was challenging.

• Key Highlights
• ●Since the property was not acquired for residential purposes, a "housing loan" was not applicable. The client therefore chose our property mortgage loan.
• ●Although the company was newly established, the high-end collateral allowed us to offer a loan of JPY 1,000 million.

Financing For Purchasing an Investment Property with Potential Future Growth

• ●Client
  A business owner newly entering the real estate leasing business through a newly-established company
• ●Collateral
  A condominium located in central Kansai
• ●Loan Amount
  JPY 150 million

• Overview
• The client, with years of experience in the service industry, decided to enter the real estate leasing business under a newly-established company by acquiring a high-rise condominium.
  The client consulted us since obtaining financing from other financial institutions was challenging due to the entry of different industry under a newly-established company.

• Key Highlights
• ●Although the corporation was newly established and with no financial record, we focused on the value of the collateral during our credit assessment and could offer our loan service.
• ●Considering the future rental income from the property, we offered a 25-year long-term loan to ease the client's repayment burden.

Long-Term Financing for Purchasing an Older Property

• ●Client
  A company employee
• ●Collateral
  An apartment over 40 years old
• ●Loan Amount
  JPY 100 million

• Overview
• The client has years of experience in personal real estate investment. To expand his investment, he established an asset management company to invest in additional properties.
  While exploring loan products available for asset management companies, the client approached us for consultation.

• Key Highlights
• ●We could offer our loan services to his asset management company by focusing our credit assessment on the collateral value.
• ●The client was very satisfied and greatly appreciated that we were able to offer a long-term loan of 35 years despite the property's age, without any monthly repayment burden.

Steps to Borrow

1. 

   Please contact us by phone or online.

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   • Please ensure you review the Loan Terms & Conditions before submitting your application.

2. 

   Visit our office for the official application, along with your necessary documents.

3. 

   Credit and property assessment based on our internal policy.

4. 

   Visit our office to sign the agreements, along with your necessary documents.

5. 

   Loan drawdown on the designated day.

Loan Terms and Conditions

As of 1 April 2026

• * Your application will be subject to the credit assessment by our internal policy.
• * Please ensure that your income and outgoings are well balanced and repayment plan is reasonable.
• * If there is any inconsistency or conflict between the Japanese and English language versions of this content, the Japanese language version shall prevail.

Frequently Asked Questions

How long is the loan process?

The process from inquiry & consultation to loan drawdown normally takes roughly 2 to 4 weeks.
However, the schedule will depend on the property condition and the closing date. Please contact us for further details.

Is a guarantor required?

Generally, a guarantor is not required. However, we may ask a collateral provider to serve as a guarantor.
For corporates, we may ask the representative to be the joint-guarantor.

Can older investment apartments be used as collateral?

Yes. We have experience in providing financing for investment apartments which are over 30 years old. Mortgage loan up to 35 years may be considerable.

Can I refinance my existing apartment (property investment) loan from another financial institution?

Yes. Regardless of the remaining term of your current loan, we can consider refinancing with a new term up to 35 years.

I am over 80 years old. Am I still eligible to apply for a loan?

Yes, as long as the applicant is in good health, with stable income and a well-structured borrowing plans, applicants over 80 years of age are eligible to apply. Please feel free to contact us anytime.

Company Outline