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Necessary documents to apply for Housing Loan Deduction in Japan

Which tax office you can apply for housing loan deduction

You can file tax return with tax office that has jurisdiction over your residence.

So, if you are living in Kachidoki, Chuo-ku, Tokyo and working in Roppongi, Minato-ku,Tokyo, you need to file tax turn to tax office in Chuo-ku ( To be precise, Kyobashi zeimusho ).

You can file tax return by bringing in application papers and other necessary documents or by post.

Or depending on your preparation, you can file it via internet.

(As for Housing Loan Deduction based on the latest information as of February 2023, you can see this page.)

Necessary documents to file tax return of housing loan deduction.

1  Application form of tax filing ( In the case you are salaried worker, you need to use type ” A ” ) = kakutei shinkokusho.

2  Statement of calculation of housing loan deduction = 住宅借入金等特別控除額の計算明細書

In this form, you need to conduct complex calculation.


3  Your certificate of residence = Juminhyo

Address on this certificate should coincide with address of real estate.

4  Certified copy of real estate registry = Tohon = Toki jiko shomeisho = 登記事項証明書

In this paper, officer of tax office can know age of building, room area ( the registered room area should be 50 square meters or more ) of your residence etc.

And if you have purchased hotel  or office and live there, you can not apply for housing loan deduction.

In the case you and your spouse have purchased residence jointly, the registered floor area is not divided by you and your spouse.

So, you and your spouse have purchase residence of 50 ㎡, as far as other requirements are satisfied, you and your spouse can apply for housing loan deduction.

5   Scanned copy of Purchased contract of real estate.

In this paper, officer can know you have purchase the real estate.

In the case you have purchase the real estate from your relatives etc, you can not apply for this housing loan deduction.

6  Withholding tax slip = gensen choshu hyo.

Your employer can provide it.

Even if your employer has conducted year end adjustment, result of housing loan deduction is not reflected on this paper.

So,  you need to file tax return by yourself.

7  Paper that certifies remaining of loan amount at the time of year end.

Your bank etc will send it to you.

If you have purchased real estate in December, this paper will be sent to you after January.

So, you may not be able to file tax return within January.

Anyway, you can file this tax return for another 5 years.

( However, in “case 1”, if you do not file tax return by mid of March of 2017, the amount of reimburse will decrease. )

So, you can dodge crowded season.

8  Paper that certifies capacity of your residence against  earthquake or quality of your real estate = 耐震基準適合証明書又は住宅性能評価書の写し.

Regarding earthquake insurance in Japan ➡”

In the case age of your residence is more than 20 years ( In the case of wooden house ) or 25 years ( In the case of concreted building ) or more, basically you can not apply for housing loan deduction.

However if you have these certificates, you can apply it.

( Unfortunately, in most of cases, your residence does not have this paper.
So, basically age of your real estate should be within 20 year or 25 years.)

In the case you and your spouse borrowed money jointly ( joint surety = rentai saimu = 連帯債務. You and your spouse are debtors. Not guarantor ), you and your spouse need to respectively file tax return.

If your spouse does not income, your spouse can not receive reimburse.

Because, your spouse has not paid income tax.

Once you have filed tax return for housing loan deduction, a part of income tax paid by you is returned to your bank account.

It will take one month after tax filing.

How to apply for Housing loan deduction (amount of tax deduction etc.) ➡

Housing loans and serious illness in Japan(You can use insurance to repay your debt.)


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