Japan’s mortgage market is known for long loan terms (up to 35 years) and historically low interest rates. But approval standards are strict, documentation is detailed, and stability matters more than headline rates. If you’re considering lenders such as Credit Saison  or mortgage products connected to NTT Docomo , here’s how they generally fit into the landscape. How Japanese Home Loans Work Most loans: Run up to 35 years Must be repaid by around age 80 Require stable, doc

Tokyo’s property market is always changing, and some neighborhoods are starting to stand out as strong choices for buyers looking ahead. These areas are benefiting from redevelopment, improved transport, and growing lifestyle appeal, making them worth keeping an eye on. Shinagawa, particularly around Takanawa Gateway, is undergoing major transformation. Large-scale projects are reshaping the area into a modern hub with offices, residences, and public spaces. With easy acces

If you’re planning to buy a home in Japan, there’s an important update coming to Flat35 (フラット35) that’s worth knowing about. From April 2026, the maximum amount you can borrow through Flat35 will increase from ¥80 million to ¥120 million. This will be the first increase in the loan cap in roughly 20 years. The change comes as home prices continue to rise, especially in major cities like Tokyo, where even standard family homes and new condos often exceed the old lending limit.