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

When trying to build a home in Japan, many foreign nationals face a stark reality: most Japanese banks only want to see your "domestic income." Your career and assets built overseas are the crystallization of your hard work as a professional. When these are treated as "invisible" during the screening process, it feels like more than just an issue of loan amount—it feels like a barrier to being fairly evaluated as a professional. Dwell Japan's role is to restructure your "glob