A Practical Guide for Foreign Residents Considering Homeownership Introduction: The Question Almost Everyone Asks “Can I get a mortgage in Japan without Permanent Residency?” For many foreign residents, this question appears early in the home-buying journey. It is often followed by a discouraging answer: “If you don’t have PR, it’s impossible.” In practice, the situation is more nuanced. Permanent Residency (PR) can make mortgage screening smoother in many cases. However, it