Documents needed to buy property
Identity, income, tax, property, contract, and source-of-funds documents.
Expect to provide identity and residence records, income and tax documents, property documents, the purchase contract and important-matters explanation, and — especially for foreign residents — source-of-funds evidence.
Key points
- Identity and residence: residence card/My Number, resident record.
- Income and tax: withholding slips, tax certificates, and returns for the self-employed.
- Property and contract: purchase contract, important-matters explanation, property documents.
- Source of funds: evidence of the down payment, with translated overseas statements where required.
The document set
Buying with a mortgage pulls together several document groups. Identity and residence: a residence card and My Number-related tax documents as requested, plus a resident record. Income and tax: withholding slips (源泉徴収票) and tax certificates for employees, and multiple years of tax returns for the self-employed. Property and contract: the purchase contract, the important-matters explanation, and the property documents. For a mortgage, add employment confirmation and insurance/health declarations for group credit life insurance.
Source of funds, especially for foreign residents
Evidence of the down payment and its source is increasingly important, and especially so for foreign residents and anyone bringing money from abroad — expect to show translated overseas bank statements where required, and be ready to explain how the funds were accumulated. Do not borrow the down payment through undisclosed consumer credit, because undisclosed borrowing is dangerous and can cause rejection or misrepresentation concerns. Keep the documents organized and consistent with what you stated at preapproval.
Key points to carry away: Identity and residence: residence card/My Number, resident record; Income and tax: withholding slips, tax certificates, and returns for the self-employed; Property and contract: purchase contract, important-matters explanation, property documents; Source of funds: evidence of the down payment, with translated overseas statements where required. Use the linked guides and calculators for the full decision, and confirm anything material with the lender, a licensed broker, a judicial scrivener, or a tax accountant before you act.
Who this is for
- Buyers assembling documents
- Foreign residents proving source of funds
What this is not
- An exhaustive lender-specific checklist
- Never borrow the down payment through undisclosed consumer credit; it can cause rejection or misrepresentation concerns.
Frequently asked questions
What income documents are required?
Commonly withholding slips, tax certificates, employment evidence, and bank statements; the self-employed provide multiple years of tax returns.
Should I borrow the down payment?
Undisclosed borrowing is dangerous and can cause rejection or misrepresentation concerns.