Own an apartment in Tokyo. Fund your child's education.
Buy a Tokyo home, fund a degree.
300,000 RMB ≈ 6 million yen — enough for a down payment on a small unit on the edge of the Tokyo 23 wards. The rest comes from a Japanese mortgage or full purchase. The property does two jobs: housing your student and producing long-term rent + appreciation. Most parents we work with find that 5-7 years of holding the property pays back roughly the 4 years of tuition + living costs.
Annual price growth
Tokyo 23 wards · avg. apartment ¥/m² over 12 years (MLIT 2012-2024).
Net rental yield
After management, repair-fund, and property tax (2024 average).
Occupancy rate
Tokyo 23 wards rentals (vacancy below 2.4%).
A · Owner-occupy → rent → sell
Your child lives there during school, then you rent it for 1-2 years and sell. Tuition + living + appreciation all in one move.
B · Rent throughout
Your child shares or dorms. The unit stays rented. Rent offsets tuition; the property becomes a long-term asset.
C · Two-bed split
Buy a 2DK / 2LDK. Your child takes one room; the other rents to another international student. Rent covers most of the carry.
- Can a Chinese parent get a mortgage in Japan?
- Yes. Bank of China Tokyo, SMBC, MUFG all lend to overseas residents. 30-40% down, 1.5-2.5% annual rate (2026 floating). We work with eight banks.
- What if my child finishes and goes home?
- Three options: 1) keep renting (we manage and report monthly); 2) sell to the next student family; 3) hold as a long-term investment. Most pick 1 or 3.
- Is 300,000 RMB enough as a down payment?
- On the edges — Nakano, Itabashi, Kita, eastern Koto — used 1Ks at ¥60-75M put 6M (≈300k RMB) at an 8-10% down with a mortgage. Core 23 wards usually need around 500k RMB.
All figures here are derived from public historical data and illustrative scenarios; this is not investment advice. Real returns depend on building age / floor / orientation / FX / market cycle / tax law and more. Past performance does not predict the future. A real plan comes from a one-on-one assessment with your agent.