Beyond the Contract: Why Your Employment Type Shouldn’t Stop Your Dream Home

In Japan, there is a lingering myth that you must be a "Seishain" (Permanent Employee) with years of tenure to even consider a mortgage. For many global professionals on fixed-term contracts or in the early stages of a new role, this feels like a wall that can't be climbed.

But a contract is just a piece of paper. What truly matters is the reality of your career stability.

We’ve seen firsthand that there are financial institutions willing to listen to your actual story. I remember a specific client from South America who had a contract that was renewed every year. On paper, it looked "unstable" to traditional banks. In reality, they were a highly valued professional with a consistent track record. By presenting their case to the right lender, they successfully secured a loan and built their house.

At Dwell Japan, our mission is to ensure your hard work is translated into a "Yes." We don't want you to settle for renting just because of a category. We want you to feel the pride of walking into a home that is truly yours—a home that recognizes the life you’ve built in Japan.

Your path to homeownership should be defined by your potential, not your paperwork.

Dwell Japan – Professional Support for the International Community. contact@dwelljapan.co.jp