The following is an average cost structure. Actual costs may vary depending on asset conditions and transaction structure.
Taxes
Real Estate Acquisition Tax
A one-time local tax levied upon purchasing real estate.
Registration & License Tax
Tax for property title transfer and mortgage registration.
Stamp Duty
Stamp duty on purchase contracts and loan agreements.
Property Tax Settlement
Pro-rated between buyer and seller based on the contract date.
Registration
Registration Fee
Fees required for the registration process.
Miscellaneous Fees
Costs associated with title transfer and mortgage registration.
Judicial Scrivener Fee
Remuneration for the judicial scrivener handling registration.
Loan & Fees
Loan Processing Fee
Processing fee paid to the financial institution for the loan.
Loan Guarantee Fee
Guarantee fee paid to the guarantee company (may not be required).
Credit Life Insurance (Danshin)
Insurance covering the outstanding loan balance upon borrower's death (usually included in interest rate).
Brokerage Commission
Up to 3% of property price + ¥60,000 + consumption tax.
Insurance & Settlements
Fire Insurance
Insurance against fire and flood damage (optional but recommended).
Earthquake Insurance
Insurance against earthquake damage (optional).
Management & Repair Fund Settlement
Pro-rated between buyer and seller based on the contract date.
※ For all-cash purchases, insurance is optional (but recommended).
Cost Estimate
New Construction: approx. 3%–5% of property priceResale Property: approx. 6%–8% of property price
The property information presented herein has been compiled from publicly available data and related documents. Due to factors such as data transcription, update timing differences, or source discrepancies, the content may differ from actual conditions.
Final information shall be governed by the original Japanese documentation and formal contract documents. Thank you for your understanding.
