SOFA /Spouse of Sofa CAN buy property in Japan.
But the process is very different from normal foreign residents.
If you’re under a SOFA (Status of Forces Agreement)/Spouse this post is for you 
Property ownership
Japan does not restrict land or building ownership for foreigners —
SOFA visa holders included.
(As for December 2025)
Japanese bank loans — is it possible?
Yes, in certain cases.
However:
• Not all banks accept SOFA buyers
• Each bank has different internal rules
• Approval depends on:
Employment contract
Income stability
Base affiliation
Length of stay & future outlook
What’s different from normal buyers?
• Standard foreign-loan conditions often don’t apply
• Documents are different
• The order of steps matters
• Choosing the right bank first is critical
Many SOFA buyers fail because they:
Get incorrect advice
Talk to the wrong bank
Work with agents unfamiliar with SOFA cases
Buying with a SOFA visa is possible — but only with the right strategy.
If you’re considering buying, message me for a private, realistic consultation before making any decisions.
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