Misleading Real Estate Ads: “Even Blacklisted Buyers Can Get Loans!”

Have you seen ads that say:

“Even if you’re blacklisted, you can still buy a home!”

Sounds promising — but here’s the reality

Blacklist = No Mortgage.

If you’re officially blacklisted — meaning you have serious credit issues such as:

Past loan defaults

Multiple late payments

Unpaid credit cards

Or a history of bankruptcy

You cannot get a regular home loan from banks or financial institutions in Japan.

Your 信用情報 (credit history) is checked during mortgage screening, and once flagged, you’re not eligible until it’s resolved.

So Why Do These Ads Exist?

Some real estate companies post misleading claims to get attention.

When you inquire, they’ll often propose things like:

Using non-bank lenders with high interest and strict terms

Asking a family member to take out the loan for you

Or dragging you into unrealistic promises just to keep you engaged

In many cases, these solutions come with financial and legal risks — and no guaranteed result.

Not Everyone Who Thinks They’re “Blacklisted” Actually Is

Some clients assume they’re blacklisted due to past mistakes, but after checking their credit report, they actually qualify.

On the other hand, some clients truly need to go through a legal process to clear their status before even considering a property purchase.

Here’s How I Help:

As an independent real estate agent, I:

Help clients check their credit records properly

Identify whether you’re truly blacklisted

Explain what steps (if any) are required to recover eligibility

And guide you through a realistic buying plan, not empty promises

Don’t Get Trapped by Ads. Get the Facts.

If you’re worried about past credit issues, don’t self-diagnose and don’t fall for clickbait.

Let’s check the facts together, confidentially — and make a plan based on what’s actually possible.

I help all clients who inquire and assist on acquiring/checking their CIC record