Property purchase cost calculator

Transfer Tax Calculator

Calculate Transfer Taxes and closing costs for property in Japan.

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Financing method

Japan has no single transfer tax. Instead, Registration Tax (~2% of assessed value), real estate acquisition tax (~3% residential / ~4% commercial on assessed value), and stamp duty by sale price appear as closing costs.

Transfer Taxes is a flat rate of 0.00% of the purchase price.

Beyond Transfer Taxes, buyers typically pay the following fees when purchasing property in Japan. These are included in the calculator above.

Registration & License Tax (登録免許税)

Tax paid when registering ownership transfer at the Legal Affairs Bureau. Standard rate is 2% of assessed value; investment properties typically pay the full rate. Reduced rates (0.15-1.5%) may apply for owner-occupied residences meeting certain conditions.

Real Estate Acquisition Tax (不動産取得税)

One-time prefectural tax billed 3-6 months after purchase. Residential (and minpaku/airbnb where modelled as residential-style): 3% of assessed value (reduced from 4%, valid through March 2027). Commercial property uses the separate 4% line below.

Real Estate Acquisition Tax — Commercial (不動産取得税)

Standard non-residential / commercial acquisition tax: 4% of assessed value. Residential reduction (3%) does not apply.

Stamp Duty (印紙税)

Revenue stamp affixed to the purchase contract. Amount depends on contract value. Reduced rates apply through March 2027. Electronic contracts eliminate stamp duty entirely.

Judicial Scrivener Fee (司法書士)

Fee for the judicial scrivener who handles ownership registration at the Legal Affairs Bureau. Typically 100,000-200,000 yen depending on complexity.

Mortgage Registration Tax (抵当権設定登録免許税)

Registration tax for the mortgage lien. Standard rate: 0.4% of loan amount. Reduced to 0.1% for owner-occupied residences meeting certain conditions.

Only applies when financing with a mortgage.

Loan Guarantee Fee (保証料)

Guarantee company fee required by most Japanese banks. Typically ~2% of loan amount, paid upfront or added to the interest rate.

Only applies when financing with a mortgage.

Bank Administrative Fee (事務手数料)

Lender processing fee for mortgage setup. Typically 30,000-55,000 yen.

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