Taxes and fees that foreigners need to pay when buying a property vary from country to country. What other fees are required when buying a property in Japan, besides the purchase price? What are the fees for the subsequent maintenance management phase? What fees do sellers have to pay when renting or transferring? Juwai.asia has compiled a list of Japanese real estate costs at various stages of the process for your reference.
| Tax types | Amount/tax rate |
| Agency commission | Under 2 million yen: 5% of the house price
2,000,000-4,000,000 yen: 4% of the house price + 20,000,000 yen. Over 4 million yen: 3% of the house price + 60,000 yen. |
| Stamp duty | Under 10 million yen: 10 million yen
Under 50 million yen: 15,000 yen Under 100 million yen: 45,000,000 yen |
| Registration tax (national tax) | Valuation price X 1.5%, Valuation Price 2.0% |
| Property income tax (local taxes） | Valuation Price X 0.5% X 3.0% , Valuation Price X 4.0% |
| Registration fees for property transfers | Legal fees for all the above procedures (approx. 100,000 yen) |
| Bank | SBI Sumishin Net Bank | Sony Bank | Aeon |
| Fixed interest rate period | 2 – 35 years | 2 – 35 years | Fixed interest rate of 0.45% for 3 years |
| Interest rates | Fixed interest rate of 0.45% for 3 years
Fixed interest rate of 0.45% for 5 years 0.60% for 10 years 1.22% over 30 years *Implementation in June 2016 |
Fixed interest rate of 0.45% for 3 years
Fixed interest rate of 0.45% for 5 years 0.60% for 10 years 1.22% over 30 years *Implementation in June 2016 |
Fixed interest rate of 0.38% for 3 years
Fixed interest rate of 0.50% for 5 years 0.79% for 10 years *Implementation in June 2016 |
| Maximum loan amount | Up to 100 million yen | Within 5 million to 100 million yen | Up to 100 million yen |
| Guarantee Fee | Free of charge | Free of charge | Free of charge |
| Fee for early settlement | Free of charge (A fee of 32,400 yen including tax must be paid for full repayment during the fixed rate period.) |
Free of charge (Free of charge for guarantee company fees) |
Free of charge (Part of the advance refund is 500,000 yen. In case of full advance refund 54,000 yen including tax) |
| Early settlement of loan modalities | Online | Online (24 hours, 365days) | Automatic reimbursement, Bank branches |
| Other benefits | The Group Credit Life Insurance premium comes free with 8 illnesses covered for free | Free movement of funds in group credit life insurance premiums and repayment accounts, interest rate changes can be made directly on the Internet. | Free group credit life insurance premiums and interest rate change fees. Preferential branch rates still available after closing |
| Type of tax | Amount (tax rate) |
| Metropolitan Planning Tax | Annual payment, depending on the actual condition of the house with a corresponding reduction in the land appraised price x 1.4%, property appraised price x 1.4% |
| Fixed asset tax | Annual payment, with a corresponding reduction based on the actual condition of the house Land Appraised Value x 0.3%. Property appraisal price x 0.3%. |
| Type of tax | Amount (tax rate) |
| Management fees | 5% of monthly rent |
| Taxes on rental income | 15% |
| Type | Amount |
| Value-added tax (VAT) | The tax rate is 30% for 5 years and 15% for 5 years and over. |
| Withholding tax | For foreign clients, the tax rate is 10.21%, fully refundable in the second year after the normal tax return is filed. |
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