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A Foreigner’s Guide to buy flat in Tokyo


Buy flat Tokyo
- this phrase brings to mind the dream of owning property in one of the world’s most exciting cities. Whether you're looking to live long-term, invest in a stable market, or purchase a second home in Japan, buying a flat in Tokyo can be an incredibly rewarding decision. However, for foreigners unfamiliar with the Japanese real estate system, the process can also seem overwhelming.

This guide walks you through the essential steps, costs, and tips for how to buy flat Tokyo with confidence even if you don’t speak Japanese or have never purchased property abroad.

Types of Flats in Tokyo

Before you begin your journey to buy flat Tokyo, it’s essential to understand what types of properties are available:

  • Mansion (マンション): Typically refers to condominiums in mid- to high-rise buildings made of reinforced concrete. They are well-equipped, often have elevators and security systems, and are considered more durable and quiet.
  • Apartment (アパート): Usually found in smaller, wooden or light steel-framed buildings with fewer floors. These are more affordable but less insulated and often lack elevators or advanced facilities.
  • New vs. Secondhand Properties: New flats offer modern design and fewer maintenance concerns, but they come at a premium. Secondhand (used) properties are more affordable and offer greater location options, but may need renovations.
  • Room Layouts: Flats are labeled by their layout (e.g., 1R, 1K, 1LDK, 2LDK). "L" stands for living room, "D" for dining, "K" for kitchen. More letters and digits more space.
Types of flats in Tokyo

See more: Details about average salary in Japan

The Buying Process

Here’s a step-by-step overview of how to buy a flat in Tokyo:

  • Search & Research: Use real estate websites (like SUUMO, A-Realty, or Realestate.co.jp) or reach out to a real estate agent who speaks both Japanese and English..
  • Property Viewing: Arrange physical or online tours to inspect the property. Carefully assess the layout, condition, and neighborhood.
  • Submit an Offer: Once you’ve found the right property, submit a formal written offer to initiate the purchase process. If accepted, you’ll sign a preliminary sales agreement.
  • Due Diligence: This includes checking legal documents, reviewing building rules, and confirming property conditions.
  • Sign the Contract: Pay a deposit (usually around 10% of the purchase price).
  • Final Payment & Registration: On the settlement day, you pay the remaining amount and officially register the property under your name with a judicial scrivener.
Flat buying steps in Tokyo

See more: Details about average salary in tokyo japan

Is It Possible for Foreigners to Own a Flat in Tokyo?

Foreigners can buy flat Tokyo without any restrictions on citizenship or residency. However, financing can be more challenging for non-residents:

  • Mortgage Challenges: Japanese banks are often cautious when lending to non-residents. While some banks offer mortgage loans to foreigners with permanent residency or a long-term visa, many buyers pay in cash.
  • Required Documents: You’ll typically need a valid passport, residence card (if applicable), personal seal (inkan/hanko), proof of income or savings, and a Japanese bank account.
  • Taxes & Legal Assistance: Foreigners must also comply with Japan’s tax and legal system. A judicial scrivener or real estate attorney can help you manage this process.
Foreigners can own flats in Tokyo

See more: Details about Tokyo median income

Costs Involved

When budgeting to buy flat Tokyo, don’t forget about the additional costs beyond the sale price. These typically include:

    • Real Estate Agent’s Commission: Usually 3% of the purchase price + ¥60,000 + tax
    • Stamp Duty: Paid when signing the sales contract
    • Registration Tax & Legal Fees: For ownership transfer and legal processing
    • Judicial Scrivener Fees: For title registration
    • Maintenance Fees: Monthly payments for building upkeep, especially in condominiums
    • Repair Reserve Fund: Contributions for future building repairs or upgrades
  • Annual Fixed Asset & City Planning Taxes: Fixed asset tax and city planning tax, depending on property value
Overall, these additional fees can add 6%–8% to the purchase price.


Extra costs when buying flat

Investment vs. Personal Use

When buying a flat in Tokyo, it’s important to clarify your goals:

  • For Personal Use: Choose a location convenient for commuting, schooling, or lifestyle. Pay attention to neighborhood safety, convenience stores, parks, and public transportation.
  • For Investment: Focus on areas with high rental demand (like Shinjuku, Shibuya, or Ueno), stable resale potential, and proximity to train lines. Tokyo has a strong rental market, with high occupancy rates and relatively low property taxes compared to other major cities.

Tokyo remains a strong market for investors due to steady demand, low property taxes, and high rental occupancy rates. However, note that rental income is taxable and may require a property management company if you’re overseas.

Support Services & Useful Resources

To make your buy flat Tokyo experience smoother, rely on these trusted services:

  • Bilingual Real Estate Agencies: A-Realty, Realestate.co.jp
  • Legal Assistance: Judicial scriveners and real estate lawyers help ensure a safe transaction
  • Mortgage Consultation: Some local banks and foreigner-friendly lenders offer advice
  • Useful Websites:
    • Realestate.co.jp – Listings and guides for foreigners
    • A-Realty Japan – English, Japanese, Vietnamese support available

Contract Information

  • Address: Apartment 605, Tohto Building, 1-5-4 Hyakunincho, Shinjuku-ku, Tokyo 169-0073, Japan

  • Hotline: 050 6864 9697

  • Email: info@arealty.jp

  • Website: https://arealty.jp/#/home

Conclusion 

Buy flat Tokyo as a foreigner is not only possible but increasingly common. With a strong housing market, high rental demand, and a world-class lifestyle, Tokyo is an attractive place to own property whether for living or investment.

By understanding the process, costs, and legal landscape, and by working with reliable professionals, your dream to buy flat Tokyo can become a smooth and successful reality. Take your time, do your research, and choose the flat that fits your future.

Read more about A Foreigner's Guide to buy flat in Tokyo 
Detals about Buy a flat in Tokyo: 2025 Property Guide
Details about average salary in Japan
Details about Tokyo median income
Details about average salary in tokyo japan





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