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Category Archives: Finance

Why Japanese Banks Still Use Gross Income for DTI While Your Real Capacity Shrinks

Why Japanese Banks Still Use Gross Income fo...

May 6, 2026
Japanese banks cap mortgages at 35% of gross annual income, but social insurance and tax erosion mean net capacity ...
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Why Foreign Developers in Tokyo Now Earn 60% More at Global Firms Than at Japanese Companies

Why Foreign Developers in Tokyo Now Earn 60%...

May 5, 2026
Foreign software engineers at Tokyo global firms earn ¥13.5M median versus ¥8.5M at Japanese companies. Compare Go, ...
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Why Minato's 2026 Tax Calendar Rewards the January 1 Owner

Why Minato’s 2026 Tax Calendar Rewards...

May 5, 2026
Minato City property taxes for 2026: 1.4% fixed asset tax, 0.3% city planning tax, with 1/6 reductions on small-sca ...
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Why Tokyo's Non-Bank Bridge Lenders Now Dominate the ¥300M+ Closing Window

Why Tokyo’s Non-Bank Bridge Lenders No...

May 4, 2026
Bridge loans for Japan property now run 3.0%–8.0% at non-banks versus 1.5%–2.0% at banks, with 3-day execution vers ...
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The ¥160 Million Spouse Deduction That Can Cost You ¥12 Million

The ¥160 Million Spouse Deduction That Can C...

May 3, 2026
Japan's spouse tax reduction offers ¥160M exemption, yet maximizing it often triggers higher secondary inheritance ...
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How the 2026 Tax Reform Eliminated Inheritance Tax Arbitrage in Fractional Tokyo Real Estate

How the 2026 Tax Reform Eliminated Inheritan...

May 3, 2026
The 2026 reform ended valuation discounts for fractional real estate products held by foreigners. Direct ownership ...
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The March 2027 Deadline Reshaping Hokkaido's Premium Property Market

The March 2027 Deadline Reshaping Hokkaido&#...

May 3, 2026
The 50% land valuation reduction for Hokkaido property expires March 31, 2027. Foreign buyers face ¥300,000+ in add ...
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Why the 2026 Inheritance Tax Reform Forces a Recalculation on Leveraged Tokyo Property

Why the 2026 Inheritance Tax Reform Forces a...

May 3, 2026
Japan's 2026 inheritance tax reform eliminates route-value discounts for properties held under 5 years. Compare fix ...
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The 2027 Inheritance Tax Reset That Rewrites Tokyo Property Math

The 2027 Inheritance Tax Reset That Rewrites...

May 3, 2026
Tokyo luxury real estate faces a valuation reset in 2027. Foreign buyers with ¥300M+ properties must reassess acqui ...
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Japan's January 1 Rule Quietly Reshapes When Foreign Investors Sell

Japan’s January 1 Rule Quietly Reshape...

May 3, 2026
The 5-year holding period for long-term capital gains tax resets January 1, not on your purchase anniversary. Revie ...
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