住宅ローンのご相談に参りました
じゅうたくローンのごそうだんにまいりました
I've come to discuss a home loan.
POINT“I came” → “I came” for the counter
Banking/Finance
Bank Loan
The Japanese you need for Bank Loan, in natural keigo. Procedure flow · NG warnings · 9-language parallel translations
This page helps foreign residents and long-term visitors handle "Bank Loan" with daily Japanese phrases for living in Japan, practical examples, and common mistakes to avoid.
What this page helps you say in Japan
This page focuses on Bank Loan and teaches useful Japanese phrases for daily life in Japan, including natural replies, polite alternatives, and practical wording for foreigners living in Japan.
What You'll Learn on This Page
- Loan type consultation phrases
- Communication regarding screening
- Questions about interest rate and repayment period
- Confirmation of required documents
- Request for early repayment
Practice Phrases (10 Total)
借入可能額はどのくらいでしょうか
かりいれかのうがくはどのくらいでしょうか
How much can I borrow?
POINTGet an estimate based on your annual income
現在の金利は変動と固定でどう違いますか
げんざいのきんりはへんどうとこていでどうちがいますか
How do current variable and fixed interest rates compare?
POINTStandard questions for beginners
審査にはどのような書類が必要でしょうか
しんさにはどのようなしょるいがひつようでしょうか
What documents are needed for the screening?
POINT“What do I need?” → “What kind of documents do I need?”
外国籍の場合、在留期間の要件はありますか
がいこくせきのばあい、ざいりゅうきかんのようけんはありますか
Are there residency requirements for foreigners?
POINTThe examination changes depending on whether you have permanent residence or not.
連帯保証人は必要でしょうか
れんたいほしょうにんはひつようでしょうか
Is a joint guarantor required?
POINTGuarantee companies are generally used
返済期間は最長で何年でしょうか
へんさいきかんはさいちょうでなんねんでしょうか
What's the maximum repayment period?
POINTThe upper limit is 35 years for houses and 7 years for cars.
繰上げ返済は可能ですか
くりあげへんさいはかのうですか
Is early repayment possible?
POINTAlso check if there are any fees.
返済シミュレーションをお願いできますか
へんさいシミュレーションをおねがいできますか
Could I get a repayment simulation?
POINTMonthly repayment amount image
審査結果はいつ頃わかりますか
しんさけっかはいつごろわかりますか
When will I know the screening result?
POINTMortgage loan pre-approval takes a few days to a week
Frequently Asked Questions
Q. Can foreigners get a home loan?
A. This is possible at many banks if you have permanent resident status. Even if you do not have permanent resident status, you may be able to borrow under certain conditions, such as your spouse being a Japanese citizen and having worked for the company for 3 years or more.
Q. What is the interest rate?
A. As of 2026, variable mortgage interest rates will be around 0.3-0.5% per year, and fixed rates will be around 1.5-2%. It varies by bank.
Q. How much down payment do I need?
A. The standard is 10-20% of the property price, but it is also possible to get a full loan with zero down payment. However, interest rates tend to be higher.
Q. What are the main reasons for not passing the examination?
A. Insufficient annual income and years of service, history of borrowing from other companies and late repayments, short period of stay, etc. Check multiple credit bureaus.
Q. What is the effect of early repayment?
A. There are two types: shortened repayment period and reduced repayment amount, both of which reduce the total interest paid. More and more banks are offering fee-free online transactions.