Guarantor Companies in Japan: How They Work
Most apartments in Japan require either a personal guarantor (連帯保証人) or a guarantor company (保証会社). Since finding a Japanese personal guarantor is difficult for many foreigners, guarantor companies have become the standard solution. They guarantee your rent, and the landlord collects from them if you default.
| Item | Details |
|---|---|
| Initial Fee | 50–100% of one month's rent |
| Annual Renewal | 10,000–20,000 yen |
| Screening Time | 2–5 business days |
| Documents | Residence Card, income proof, employment contract |
How the Process Works
Application
The real estate agent submits your information to the guarantor company along with your rental application. You typically do not choose the company — the landlord designates it.
Screening
The company reviews your income, employment stability, visa status, and sometimes credit history. Some are more foreigner-friendly than others. If denied, the agent may try a different company.
Approval and Payment
Once approved, you pay the initial fee at lease signing. Annual renewal fees are billed directly to you.
Tips for Passing Screening
- Stable employment helps significantly
- Income should be roughly 3x the monthly rent
- Having a Japanese phone number is often required
- Some companies accept emergency contacts instead of co-signers
Q: What if the guarantor company pays my rent?
They will pursue you for repayment. Unpaid amounts may affect your credit record and future rental ability.
Q: Are there apartments without guarantor requirements?
UR Housing has no guarantor or key money. Some share houses and foreigner-focused services also waive this.
※ This article is for informational purposes only. Guarantor company terms vary. Please review contract terms carefully.
