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