When you buy a home in Japan, you are building a sanctuary for your family. Part of that sanctuary is "Danshin" (Group Credit Life Insurance). It is designed to clear your mortgage balance in the event of death or serious disability. But for many expats, the first hurdle is a complex medical disclosure form entirely in Japanese. Misinterpreting a medical term or overlooking a past condition can have devastating consequences. If a claim is made later and the bank finds a "duty

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

Don't let your employment type stop you from buying a house in Japan. Dwell Japan helps contractors and foreign residents secure mortgages by focusing on actual career stability. See how we turn "Impossible" into "Approved."

Your Japanese level does not have to define your ability to buy a home. The key is providing the bank with the right logic within your application documents before the screening even begins. I have personally proven that a precise strategy outweighs linguistic concerns. While working in sales, I assisted a couple where both partners were foreign nationals with very limited Japanese. I helped to submit their mortgage applications to two separate banks, accompanied by a concise

1. The Common Misconception "If you don't have Permanent Residency (PR), you can't get a mortgage in Japan." This is one of the most common things foreign residents are told when they start thinking about buying a home. You might have even been turned away by a major bank already. While it’s true that PR makes the process smoother, it is NOT an absolute requirement. We have often seen clients successfully secure financing and build their dream homes while still on a working