Taking advantage of the latest market opportunities, the Japan property market has much to offer for foreigners. Whether you are planning to own a Japanese holiday home or an investment property, the Japan Property Mortgage Loan service of ORIX HK is here to help.
ORIX HK offers customized loan solutions, and one-stop multi-language walkthrough for property mortgage related services. Our professional team will assist you to navigate the complicated application process in Japan, without any language barrier.
| Application Details | |
|---|---|
| Borrower, Co-borrower, Guarantor (“Applicant”) | Hong Kong ID holder; or Hong Kong incorporated company |
| Eligible properties | Residential, retail and office buildings for self-use or investment |
| Property Location |
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| Borrowing Currency | Japanese Yen (JPY) |
| Repayment Frequency | Monthly Installment |
| Interest Rate | Floating rate |
| Target Property Price | Min. JPY 30,000,000 |
| Loan Amount | Min. JPY 20,000,000 |
| Maximum Loan Tenor | 15 years |
| For Individual Borrower |
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| For Corporate Borrower |
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Yes, we accept applications from both permanent and non-permanent Hong Kong identity card holders. All applicants must be aged 18 or above with a stable income (salaried or self-employed). Property investors, second-home buyers, and primary residents are all considered.
Japanese residency or citizenship is not required. You can complete your Japan mortgage application using your valid Hong Kong identity documents.
No, a Japanese guarantor is not required.
No. The entire mortgage application process is completed in Hong Kong—no need to travel to Japan, making it simple and convenient for you.
You are welcome to submit your loan application as per channels stated in the application form. However, once the application is approved, a brief in-person visit to our Hong Kong office will be required for signing the loan agreement.
A Japanese bank account is not required. We offer flexible payment options for smooth transactions in both Hong Kong and Japan. You can repay with Japanese Yen, staying hassle-free from foreign exchange risk.
For more details, please refer to our payment methods page.
In most cases, we do not require customers to open a deposit account or retain cash deposits here. This may vary depending on the individual application circumstances.
The entire process, including credit assessment, documentation review and on-site due diligence, typically takes 6 to 8 weeks, upon received required documents.
*Timelines may vary depending on individual circumstances and the complexity of the transaction.
To begin the application process, you may (i) identify your preferred property and (ii) contact us. We'll promptly assess your situation and prepare a tailored financing solution for your consideration.
Yes, repayment in HKD is accepted. The HKD amount will be converted to JPY at our daily exchange rate.
Note: The loan remains JPY-denominated.
