Star Real-Estate Investment Loan (for Non-Residents of Japan)
This is a real estate investment loan that enables non-residents of Japan to purchase real estate in Japan. *
- *There are some conditions on who can apply for this loan. Please be sure to check whether you are eligible
Who can apply for a Star Real-Estate Investment Loan
This loan is available to those who meet all of the following requirements.
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Non-residents of Japan who meet all of the following requirements:
- Holders of a Republic of China (Taiwan) passport
- Residents of Taiwan
- For tax purposes, applicants must be a resident of Taiwan and must not be a resident of any other country or region. Applicants must be able to provide official proof of income.
- Applicants must be aged over 20 at the time of application and be 75 or younger at the time of full repayment.
- Applicants must have an official annual income certificate for the previous year that lists annual income of 10 million yen or more or net assets of 30 million yen or more.
(Net assets include financial assets in Japan and Taiwan and real estate owned in Japan less liabilities for purchases. Stated amounts are the amounts converted into yen based on the exchange rate at the time of application as prescribed by Tokyo Star Bank.) - Applicants must be able to sign the contract in person at Tokyo Star Bank’s main branch.
- If purchasing or building investment real estate or refinancing, the applicant must be able to designate an account in their name at Tokyo Star Bank into which rent will be transferred in order to repay the loan.
- Applicants must meet our other screening requirements.
- *Subject to screening by Tokyo Star Bank. Depending on the results of our screening process, we may not be able to offer you a loan.
- *Please check the loan description for details.
Interest Rate
For details, please contact the dedicated help desk (offers support in Chinese and Japanese) below.
From overseas
+81-3-3224-3838- *Business hours: Weekdays 9:00-17:00 (JST)
- Closed: Saturdays, Sundays, national holidays, December 31 to January 3
From Japan
03-3224-3838- *Business hours: Weekdays 9:00-17:00 (JST)
- Closed: Saturdays, Sundays, national holidays, December 31 to January 3
Ways to use your loan
Loans can be used for the following purchase or construction of investment real estate in Japan and for refinancing
- New and used condominiums (whole buildings or units)
- New and existing apartments (whole buildings)
- New and existing commercial buildings or stores (individual units) or offices (individual units)
- New and used existing houses
- *We are unable to accept applications for shared ownership properties.
Loans can be used in the following ways for the purchase or construction of second homes or homes acquired as a residence for family in Japan and for refinancing.
- New and existing condominiums
- New and existing homes
- *We are unable to accept applications for shared ownership properties.
- *Target areas: In principle, Tokyo (the 23 wards, Musashino City, Mitaka City, Chofu City, Koganei City, Kokubunji City, Kunitachi City, Tachikawa City), Kanagawa Prefecture (Yokohama City, Kawasaki City), Osaka City in Osaka Prefecture, Nagoya City in Aichi Prefecture, Kyoto City in Kyoto Prefecture, Kobe City in Hyogo Prefecture, Fukuoka City in Fukuoka Prefecture, and Kumamoto Prefecture (Kikuyo Town, Koshi City, Ozu Town, and the Higashi, Kita, and Chuo wards of Kumamoto City). (Loans are not available for some parts of the target areas)
- *Loans cannot be used to purchase land or make interim payments for building construction.
Star Real-Estate Investment Loan period and maximum amount
- Period *1
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Between 1 year and 25 years
(in increments of 1 year)
- maximum amount *2
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Over 20 million yen
(in increments of 100,000 yen)
- *1Subject to restrictions based on the property for which the loan is intended.
- *2Subject to restrictions based on annual income and our evaluation of your collateral, etc.
For details, please contact the dedicated help desk (offers support in Chinese and Japanese) below.
From overseas
+81-3-3224-3838- *Business hours: Weekdays 9:00-17:00 (JST)
- Closed: Saturdays, Sundays, national holidays, December 31 to January 3
From Japan
03-3224-3838- *Business hours: Weekdays 9:00-17:00 (JST)
- Closed: Saturdays, Sundays, national holidays, December 31 to January 3
Star Real-Estate Investment Loan application procedures
Who can apply for this loan |
This loan is available to those who meet all of the following requirements.
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Ways to use your loan |
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Loan amount |
We provide loans ranging from 20 million yen (in units of 100,000 yen)
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Loan period |
Between one and 25 years (in units of 1 year)
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Borrowing interest rate |
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Repayment method |
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Repayment date | 26th day of each month (or the next business day if the bank is closed on the 26th day) |
Collateral |
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Special provision for limitation of liability | We will not demand repayment beyond the extent of the property liability determined separately. Please refer to the attached “Supplementary Information” for details. |
Fees |
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Early Repayment Fees |
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Other |
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Designated Dispute Resolution Organization | Japanese Bankers Association Contact JBA Customer Relations Center Telephone number: 0570-017109 or 03-5252-3772 |
Tokyo Star Bank
Tokyo Star Bank is a subsidiary of CTBC Bank Co., Ltd. (CTBC Bank), one of the largest private financial institutions in Taiwan
Our relationship with CTBC Bank helps us meet the diverse needs of our customers.
Our shareholder, CTBC Bank (official name: CTBC Bank Co., Ltd.), is Taiwan's largest private bank and the primary subsidiary of CTBC Financial Holding, a major financial group in Taiwan. Operating globally through its worldwide network, Tokyo Star Bank continues to achieve tremendous growth.
For details, please contact the dedicated help desk (offers support in Chinese and Japanese) below.
From overseas
+81-3-3224-3838- *Business hours: Weekdays 9:00-17:00 (JST)
- Closed: Saturdays, Sundays, national holidays, December 31 to January 3
From Japan
03-3224-3838- *Business hours: Weekdays 9:00-17:00 (JST)
- Closed: Saturdays, Sundays, national holidays, December 31 to January 3