Buying a Condo in Japan: Part Five

This is the final part in the series “Buying a Condo in Japan” Check out parts one, two, three, and four.

Part Five Synopsis:

  1. We have the walk- through
  2. We get lots of tutorials on all of the electronics and features of our condo unit
  3. We get our keys, contracts, and user manuals
  4. The condo is officially ours!

The next step in the process of buying the condo was visiting our actual unit to make sure everything was in working order and to file complaints if we saw anything wrong (like torn wallpaper, scoffed floors, and/or cracked tiles). We also got tutorials for all of the features of the unit such as the security system and various electronic features. It was very thorough and maybe a little unnecessary as we could just read the manuals, but it really made an impression that the condo company wanted us to truly understand how everything worked.

The walk-through was held on a weekend and all of the owners of the condo unit had to schedule a time during that weekend to do the walk-through.  (As it was a new condo all the owners were moving in at about the same time.) Masa and I brought along Masa’s parents to help us out as they were our Japanese home-owner experts. The walk-through went well. Masa’s dad noticed that our entry gate was a little wobbly so we wrote that down on the form. (It was fixed the next day).


Our shoe closet near the front door. It’s very big for Japanese standards.


Bathtub seemed totally fine!


Hey y’all! Just taking a picture in the shower room mirror.  Why do all Japanese shower rooms have mirrors?!


Our tatami room


Our kitchen sink and stove.

After the walk-through we had our  tutorial session which was a bit tedious as our apartment has lots of electronic features: heated floors, a digital post box, an IH stove top, a complicated gas system, and an even more complicated shower system. Check out this post to learn all about the cool features of our shower room  or watch the video here.

Once the walk-through and tutorial session was complete we received our keys, a copy of the huge rules and regulation book, and a huge binder that was full of user manuals for EVERYTHING in the condo unit: floors, doors, security system, shower room and so much more.

The condo was officially ours!

Want to take a quick look around my condo? Check out these posts here:

My Entryway

The Porch

The Bathroom

The Bedroom



Buying a Condo in Japan: Part Four

This is part four in the “Buying a Condo in Japan series.” Check out parts 1, 2, and 3.

Part Four Synopsis:

  1. We have our contract meeting with the condo company
  2. We go over the rules and regulations of the building
  3. We go over insurance policies
  4. We pledge that we aren’t in the mafia
  5. We fill out more paperwork

The next step in the process to buy the condo was the contract meeting (which took about 2 hours). The meeting consisted of going over various contracts and reading 2 or 3 huge handbooks with the real estate agent. This was by far the most interesting and eye-opening part of the process.  During this meeting the condo company is legally obligated to go over all of the architectural details of the building, and prove that they are a legitimate real estate company (by showing lots of documents). We also read the huge rules and regulations book of the condominium which had typical rules like: pets are okay, no loud music, let the condo association know if you plan to sublet, don’t throw objects off the balcony, etc. ).   We stamped the books with our family seal and signed them once we were finished reading them.  We also had a representative from the insurance company go over the insurance policies for fire and earthquake insurance. We also choose our parking space. It was a long and tedious meeting but extremely informative.

Towards the end of the meeting we had to sign a document stating that we weren’t in the mafia. I thought it was pretty funny but I can understand them not wanting the Yakuza in their condo.

At the end of the meeting we signed  all the final paperwork and the condo was technically ours, but we couldn’t move in until we had the official walk-through with the condo company (more about that in part 5). 

Buying a Condo in Japan: Part Three

This is part three in the series “Buying a condo in Japan” Check out parts one and two.

Part Three Synopsis:

  1. We visit four banks to get screened for mortgage loans.
  2. We fill out lots of paperwork.
  3. We learn about different types of loan plans and decide what works best for us.
  4. We notify the condo company of our approval and do more paperwork.
  5. We pay the initial fee of 2 million yen ($20,000).

Our next step was the mortgage screening. Getting screened for a mortgage is pretty tedious and boring. Moreover, I was not even a factor or consideration in the screening because I was not a permanent resident so we couldn’t include my salary into the equation.

Masa and I went to four banks to be screened during the weekend.(Many banks are open on the weekend for loan screenings or will open on a weekend if you make an appointment for it). The first bank we visited was a labor union bank. This bank had the best mortgage rates because they offer especially good rates to employees of the company where Masa works.  The second bank we visited was connected to the condominium company and had mid level rates. Banks #3 and #4 were banks that had very easy screening processes but very high rates.

The screening process consists of filling out documents with your company information, your salary, and other personal information as well as give the bank paperwork given to you from the condo company.  You also get a run down of the different types of plans and payment rates for loans at each bank.  Some payment plans involved paying off most of the interest first, while some payment plans involved paying the loan off first and then paying off the interest later. You could also choose a fixed rate mortgage with high rates, or a mortgage with low rates but the rates would be subject to change every few years or so.  The screening meeting usually took between 60-90 minutes.


A break down of how much the mortgage on thirty million yen home would be.   Monthly payments would be about 65,000 yen ($650) with a 35 year loan,  8% interest, and 100,000 yen ($1,000) twice-yearly bonus payment.

We ended up not getting approved by the bank with the best rates, but got approved by the other three.  We chose the bank the with the mid level rates. We chose our payment plan which included a mortgage with a 10 year fixed rate. We also decided to do bonus payments as well. This means that whenever Masa gets a bonus (which is twice a year), about 50%  of the bonus would go toward paying off the mortgage. Our monthly condo maintenance fees plus mortgage actually turned out to be less than the cost of the monthly rent of our apartment.

Once we got approved we notified the condo company. They sent over more paper work for us to give to the bank. We later went back to the bank and filled out dozens of documents confirming the mortgage rate, life insurance forms (if Masa passes away we are not liable to finish paying off the mortgage), and other insurance forms.   We also payed the loan fees (about 900,000 yen {$9,000} which was a part of the 2 million yen {$20,000} initial fee.)

As we had been approved for the loan, we payed the initial fee for the condo (about 900,000 yen {$9,000} which was the remainder of the 2 million yen {$20,000} initial fee).

The condo was one step closer to being ours!


Buying a Condo in Japan: Part Two

This is part two in the blog series “Buying a condo in Japan”. Check out part one here.

Part Two Synopsis:

  1. We have the second meeting
  2. We  are surprised by the initial costs that come with buying a condo even though there was no down payment.
  3. We reserve the unit by providing income statements, paying the application fee, and filling out some paper work. 


Masa’s mother went with us to the second meeting as we thought it would be a good idea to have an actual Japanese person there to make sure everything was legit. During the week prior to the meeting,  Masa and I poured over the floor plans and prices, debating which condo unit would work best for us.  We eventually settled on the D-model which has a/c installation available for all rooms and was the biggest of all the condos in the building. 

The units varied by price by floor (the upper floors were more expensive than the lower floors) and wood color (condo units built with lighter colored wood for doors were more expensive).  We chose a mid-level room with darker wood.

During the second meeting we got down to the brass tacks. We went over the cost breakdown of what the condo would cost with a typical Japanese mortgage of 35 years, and went over other fees such as the condo management costs (管理費), the condo savings fund( 積立金) (a fund used for future repairs and renovations), a deposit, processing fees, loan fees, and insurances. All of these extra costs would have to be paid before we moved in.  We were attracted to the condo because there was no down payment, but were surprised that we would have to pay 2 million yen ($20,000) upfront. Even Masa’s mother was surprised due to the wording of the “no down payment deal” written on the flyer.   Masa and I took a sidebar and discussed if we wanted to take the meeting anything further.  We decided yes, just to hear what other steps there would be.  We were told that we would have to be screened by a bank to get approved for the mortgage. Once we got approved we would pay the initial charges, sign some contracts, and the condo would be ours. 


A list of all of the initial fees. 963, 500 yen ($9,630) would go toward initial fees for the condominium unit, and 885, 500 yen ($8,850) would go toward loan fees.

We got home that night and seriously considered what we should do. Should we go ahead with the down payment even though we were initially told there wasn’t one? After much deliberation we decided to go on ahead with it. The features of the home were too good to miss and the location of the home was great.  The down payment of the home wasn’t as much as a typical home in the states would cost us too.

We went back to the office sometime later in the week and signed paperwork that would reserve the unit we chose, and payed a 100,000 yen ($1000) application fee. We also had to provide Masa’s income statements (which we got from city hall) to prove that we could afford the condo.

The condo was one step closer to being ours!

Have questions about the Japanese? Leave a message in the comments.

Buying a Condo in Japan: Part One

Here is part one in the series “Buying a condo in Japan.”

Part One Synopsis

  1. We get a flyer advertising a new condominium being built in the area
  2. We visit the model home
  3. We meet the real estate agent and hear the sales pitch
  4. We schedule another meeting

My husband Masa and I, bought our first home (condominium)  in 2014.  The process of buying a home in Japan was a great learning experience and I am happy to be able to share it here on my blog.

Our journey may be a little different from other expats as my husband has dual citizenship (Japanese and American) which definitely makes the process easier.  (You usually have to be a citizen or have permanent residency to get approved for a loan). We also bought a newly built condo so we bought from the company that built the condo and not a person selling their condo.  The process of buying the condo was pretty easy and quick and I hope it will be the same for any expats who are looking to buy a condo.

The process of buying a home began when we got a flyer in the mail about a new condo being built near our home. Our friends back home in America were all buying their first homes and Masa had definitely caught the “I want to be a homeowner” bug.  I was perfectly fine with just renting a home, but I loved looking at model homes as it was  a favorite past-time I developed with my family when we visited model homes every Sunday after church when  I was in my early teens.


A sampling of the flyer

We drove over to the model home on a Saturday. Japanese model homes are usually quickly built wooden model homes that soon get demolished after they have finished selling the homes or units at the actual site.  In the model home we visited, the 1st floor was the office and the 2nd floor was a model of one of the condo units.


We entered the first floor office and were greeted by a man who turned out to be a real estate agent as well as an architect for the condo company. He sat us down, gave us a few brochures, and went over the sales pitch. What initially had drawn us to the condo was that there was no down payment necessary and the real estate agent went over that deal as well as pricing, and the floor plan of the four different types of condo units in the mansion. After we listened to the sales pitch for about 30 minutes we headed upstairs to see the model home.  

It was, of course, beautifully decorated. It had very nice features like a sink installed on the veranda, a very nice shower room, and a spacious living room.  The real estate agent left us alone in the model home for a bit which was nice because we felt more comfortable looking around on our own. We headed back downstairs once we finished looking, and the agent finished up his sales pitch- mentioning that homes were going fast (this turned out not to be true, but hey-it’s a sales pitch), and gave us a price list of the available units in the condo.

Here is the flow-chart going over the process of buying a condo which was given to us by the condo company. (Translation Below)



Visit the model home—> Apply to buy, Get screened for loan approval, and Pay deposit—> Sign contracts—-> Complete loan paperwork—-> Pay fees and move in!


The model home was beautiful, the price was right (especially with no down payment), and the agent had a pretty good sales pitch  so we were pretty much sold. We headed over to Masa’s parent’s place right afterward to get their advice and make sure we weren’t getting tricked or swindled.  The both said it seemed like a good idea, and agreed to visit the place with us the next weekend.   We called the agent (who would be our main contact through the entire process)  and scheduled a meeting to visit the model home again and get more details.

Drying Clothes in Your Bathroom in Japan

In an older blog post I mentioned that clothes dryers are pretty rare in Japan. The cost of electricity to run it would be quite expensive so most people hang their laundry outside. In the winter, clothes simply won’t dry due to the shorter days and cold weather and as a result, many hang their clothes inside next to their air-conditioner heater so they warm up.20130307-172713.jpg

Here is an example of a clothes drying hack in Japan. Hang your clothes by your heater to have them dry while you keep your room warm.

If you’re lucky however, your home will come with a “dryer” in your bathroom.

control system

My bathroom control system. We use the “Dry” button to dry our clothes.

Here is my bathroom which has an area for showering and tub. If you take a look at the top of the photos you will notice a few metal rods and some sockets as well as some panels against the wall. These panels are used to keep bath water warm. (Japanese families tend to share bath water- they shower beforehand so the water is relatively clean) and the panels are also used to improve drying conditions for when you want to dry your clothes.

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Once I’ve finished washing my clothes in the washing machine,I set up my bathroom to dry the clothes. First, I move the metal rods so the clothes can be hung far apart, and then I lay out the panels.


Panels are laid out.

Then I hang up my clothes.


I shut my door and push the button to start the dryer.

It usually takes about 3 hours for the clothes to get dry, which is a big improvement from waiting 8 hours for your clothes to dry when you hang them outside!

Most people use the dryer in the bathroom for rainy days and cold winter days, but Masa hates hanging our clothes outside to dry.  They tend to smell like “outside” which usually means car exhaust, ash (farmers sanitize their fields by burning them after harvest) or manure (if the farmers in the area are manuring their fields.) If it’s a really sunny day and I’m home most of the day I will hang them outside and take them in a soon as they are dry to cut down on smell, but mostly we use our bathroom to hang the clothes to dry.

Taste Test: Haagen Dazs' Lemon Ginger Float

Haagen Dazs Japan has come out with a new seasonal flavor- Lemon Ginger Float!


Haagen Dazs Japan often comes out with new limited edition seasonal flavors and I am always eager to try them out. You can check out my last taste test post on Haagen Dazs carrot and tomato ice cream here. 

So on to the taste test! The inside of the container:


The brown is ginger flavored ice cream (more like a sherbet really). The white is lemon ice cream.

My first bite was mostly the ginger part of the ice cream and it tasted very ginger-y, almost like medicine. I then made sure to get a bite of both the lemon and ginger and it was lovely. The creamy lemon ice cream and the spicy ginger ice cream were a great mix. This is an ice cream I would definitely buy again.  I passed it over to Masa and he said he liked it but wouldn’t buy it again because it was to gingery. Masa likes really sweet things and I prefer things to be a  bit more bitter so this ice cream may not be for you if you have a major sweet tooth.

I can’t wait to see what flavor Haagen Dazs comes out with next!