Property
Japan — Property: Mortgage Availability
The JHF Flat 35 product summary lists Japanese nationals, permanent residents and special permanent residents as eligible applicants, aged under 70; the summary is dated April 2018.
VerifiedGovernment / official sourceJapan Housing Finance Agency — Flat 35 product summary (April 2018)Last reviewed: 2026-10-23
Key facts
- Flat 35 (purchase type) applicants must be Japanese nationals, holders of permanent residence permission, or special permanent residents; other visa holders were not listed.
- Applicants must be under 70 at the time of application; those 70 or older may apply only under a parent-child relay repayment arrangement meeting set conditions.
- Up to two borrowers including co-debtors can apply together.
- The summary is dated 1 April 2018; check the current JHF terms or a participating lender before relying on it.