日本不動産担保ローン

ワンストップの専門コンサルティングサービス

日本の不動産市場は外国人投資家にとって魅力的なマーケットの一つです。日本の別荘や投資用不動産の所有をお考えの方は、ORIX HKの日本不動産担保ローンをご検討ください。日本語対応可能な専門チームが日本での複雑な申請手続きをナビゲートするお手伝いをいたします。

日本不動産担保ローンの特徴:

融資期間は柔軟に対応
日本語対応可能な専門チームが日本での申請業務等サポート
香港での契約、返済が可能
お客さまのニーズに合わせた融資プランのご提案

申請概要
借入人、共同借入人、保証人（「申請者」）(“Applicant”)	香港 ID 保持者または香港法人
対象物件	首都圏および近畿圏に所在する自用または投資用の住宅、店舗およびオフィスビル
対象地域	首都圏および近畿圏福岡市内（住宅のみ）
借入通貨	日本円 (JPY)
返済頻度	毎月の分割払い
金利	変動金利
対象物件価格	30,000,000円以上
融資金額	20,000,000円以上
最大融資期間	15年

To borrow or not to borrow? Borrow only if you can repay!

書類チェックリスト

For Individual Borrower
Completed Application Form Sales and Purchase Agreement Copy of HKID Copy of Passport Address Proof issued within last 3 months Business Card Recent 3-Month Salary Proofs Recent Tax Statement Recent 6-month Bank Statements Hong Kong Property Owner: - Mortgage Repayment Schedule - Tenancy Agreement

For Corporate Borrower
Completed Application Form Sales and Purchase Agreement Valid Business Registration (BR) Certification Certificate of Incorporation (CI) of the borrower Latest financial reports Recent 6-Month Bank Statements Shareholders' address proof issued within last 3 months Shareholders' copy of HKID Recent tax statement

Frequently Asked Questions

I am a non-permanent Hong Kong Identity Card holder. Am I eligible to apply for this loan?

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.

Is a Japanese residence permit or visa required?

Japanese residency or citizenship is not required. You can complete your Japan mortgage application using your valid Hong Kong identity documents.

Do I need a Japanese guarantor?

No, a Japanese guarantor is not required for your mortgage application. We process applications based on your financial credentials and the property details alone.

Do I have to visit Japan for applying this mortgage?

No. The entire mortgage application process is completed in Hong Kong—no need to travel to Japan, making it simple and convenient for you.

Can I apply remotely from Hong Kong?

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.

What if I don't have a Japanese bank account?

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.

Is it mandatory to open an account or put deposit in ORIX?

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.

How long does the entire process take from loan application to execution?

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.

How can I start the. application?

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.

Can I repay the mortgage in HKD?

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.