🇯🇵 For NRIs based in Japan · Zairyu Card accepted · Remote process
NRI Home Loan for Japan Residents
Can an NRI in Japan get a home loan in India? Yes — for property you want to buy, one that's under construction, or to refinance an existing loan, processed remotely from Japan with digital KYC and Power of Attorney support, across 24+ banks and NBFCs.
WHY JAPAN-BASED NRIS COME TO US
Built around how you actually document income in Japan
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Gensen-Choshuhyo accepted
Your Japanese withholding tax statement works as income proof
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Zairyu Card accepted
Your residence card works as standard proof
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Remote Power of Attorney
Notarized and attested via the Indian Embassy — no flight required
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Japan time-zone support
Advisors available in your working hours, not just IST
~JPY 500,000–520,000
Typical minimum monthly income equivalent — most Indian lenders group Japan with the USA and other non-Gulf countries under one income bracket (commonly USD 3,500/month equivalent), rather than publishing a distinct Japan-specific figure.
ELIGIBILITY
Who can apply, from Japan
| Criteria | Typical Requirement |
|---|---|
| Status | NRI, PIO, or OCI cardholder residing in Japan |
| Age | 21–60 years at application, subject to age at loan maturity |
| Minimum income | ~JPY 500,000–520,000/month equivalent, varies by lender |
| Employment | Salaried (1-2 years current employment) or self-employed with registered business |
| Co-applicant | Often preferred — commonly an Indian resident relative |
| Repayment account | NRE, NRO, or FCNR account in your name |
RATES
Compare rates across our panel
PROCESS
How it works, from Japan
01
Share your details
Income, employer, Zairyu Card status, and property information.
02
We match lenders
Matched against our panel, factoring in your specific income and employer profile.
03
Remote documentation
Digital KYC, with Power of Attorney notarized and attested through the Indian Embassy in Japan.
04
Disbursal
Single payout for purchase, or milestone-linked for under-construction property.
DOCUMENTS
What you'll need, from Japan
Japan Residency & Identity
- Passport with valid Zairyu Card (residence card)
- PAN card (or Form 60)
- Japan address proof (juminhyo)
Income & Employment
- Gensen-Choshuhyo (withholding tax statement)
- Recent payslips (last 3-6 months)
- Employment contract
- Japan bank statements (last 6 months)
Property
- Sale agreement or builder-buyer agreement
- Property title documents
- RERA registration, for under-construction property
Authorization
- Power of Attorney, notarized and attested via the Indian Embassy in Japan
- Co-applicant's documents, if applicable
EXPLORE BY PRODUCT
Beyond a purchase loan
FAQ
Questions Japan-based NRIs ask us
Can I get a home loan without visiting India? +
Yes. Most lenders accept a notarized Power of Attorney (attested via the Indian Embassy in Japan) along with digital or video KYC, so the process can be completed remotely, with physical presence typically needed only at final registration in some cases.
What's the minimum income required from Japan? +
Most Indian lenders group Japan with the USA and other non-Gulf countries under one income bracket, commonly around USD 3,500/month equivalent — roughly JPY 500,000-520,000/month at typical exchange rates, though this varies by lender and loan amount.
Can I use my Zairyu Card and Gensen-Choshuhyo as documentation? +
Yes. Your Zairyu Card serves as valid residency proof, and your Gensen-Choshuhyo (withholding tax statement), alongside payslips and bank statements, are commonly accepted as income proof for NRI home loan applications from Japan.
Talk to an advisor who understands Japan-based NRIs
Free eligibility check. No obligation. Response within one business day, Japan time.