Use this page when the search is Flat 35 foreigners, Flat 35 foreign nationals, Japan mortgage permanent resident, or fixed-rate home loan in Japan. It separates the official permanent resident or special permanent resident requirement from the rest of the lender-prep work: income, total repayment ratio, down payment, credit history, tax documents, bank records, source of funds, Japanese document support, and property-use checks.
Official Flat 35 foreign-national guidance starts with permanent resident or special permanent resident status. A work visa, student route, or working holiday route should be treated as a gap unless the rules change or a lender confirms a separate product.
Use annual income, other debt, and the estimated monthly payment to check whether the repayment burden is plausible before a lender pre-screen.
Flat 35 is not a shortcut for rental or investment-property financing. Check property-use assumptions before comparing rates.
Residence card, tax certificates, bank records, payroll income, credit history, and source-of-funds evidence should align before submitting documents.
Check tax, pension, guarantor, HSP, reason statement, and years-in-Japan evidence if PR is the blocker for Flat 35.
Estimate monthly payment, down payment ratio, loan amount, and repayment pressure before speaking with a financial institution.
Compare rent, purchase costs, fixed-rate payment, annual owner costs, selling costs, and equity before relying on a long-term loan scenario.
Estimate brokerage, stamp duty, acquisition tax, registration, loan fees, insurance, prorations, moving, and repair reserve before relying on the fixed-rate payment.
Estimate fixed asset tax, city planning tax, management fees, repair reserve, insurance, maintenance, and total ownership pressure after the loan payment.
Estimate real-estate capital gains tax, selling costs, non-resident withholding, mortgage payoff, and net cash before assuming resale equity.
Compare the Flat 35 route with private-bank screening, work-visa cases, spouse route, and document gaps.
Keep payroll deposits, address, phone, cash-card, and remittance records explainable before lender document review.
Review credit-card, phone installment, payment history, name match, and disclosure routes before assuming screening is clean.
Prepare overseas savings, transfer trail, My Number handling, recipient details, and bank-record consistency before moving cash.
Plan insurance, owner-risk assumptions, and recurring housing costs outside principal and interest.
Return to salary, tax, resident tax, health insurance, visa renewal, PR, bank, credit card, remittance, and leaving-Japan workflows.
No. Flat 35 is a long-term fixed-rate housing-loan product handled with partner financial institutions and JHF. Private banks can have different foreign-resident screening rules.
Non-PR users can still use this page to identify the gap, but they should not treat Flat 35 as ready without permanent resident or special permanent resident status and lender confirmation.
Start with total repayment burden. A fixed-rate payment can look stable but still fail if annual income, other debt, taxes, insurance, and purchase costs leave too little monthly cash.
Usually only as a future long-term-resident path. Build stable income, tax records, bank history, credit records, PR readiness, and document consistency first.
Use official product pages, your partner financial institution, real estate agent, judicial scrivener, insurer, tax office, and municipality for final eligibility, purchase, tax, registration, insurance, and mortgage decisions.