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Foreign residents probably have higher chances of getting a loan if they:

Have been living in Japan for some time (a few years) and can speak Japanese.
They have family in Japan. Being married to a Japanese or having children attending Japanese schools, for instance.
They have a stable job in Japan, which they are likely to continue for a long period (at least as long as the term of the loan).
They have a good credit history.
They have no intention to return to their country before they can pay off their loan (although difficult to prove).
They have good reasons to want to stay in Japan, are comfortable with and well-adapted to Japanese lifestyle, etc.

1.00 = 0.00

Live Rates as of 30-11--0001 07:0 GMT