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  4. Rental Guarantor Companies for Foreigners: GTN, Casa, Zenhoren Compared
Contracts & Procedures

Rental Guarantor Companies for Foreigners: GTN, Casa, Zenhoren Compared

2026-04-20

Compare rental guarantor companies serving foreign residents (GTN, Casa, Nihon Safety, Zenhoren, and more) across multilingual support, approval criteria, guarantee fees, and available languages. Real estate experts explain visa-status-specific approval strategies and how to leverage guarantor companies to pass rental screening.

Rental Guarantor Companies for Foreigners: GTN, Casa, Zenhoren Compared
#Foreigners#Guarantor Company#GTN#Rental Screening#Residence Status
森

Reviewed by: Nobuyuki MoriPresident, M-Assets Co., Ltd. / Licensed Real Estate Transaction Specialist (Miyagi #018212)

Table of contents

  1. 01Why Guarantor Companies Are Essential for Foreign Renters
  2. 02Comparison of 4 Major Foreign-Friendly Guarantor Companies
  3. 03GTN (Global Trust Networks)
  4. 04Casa
  5. 05Nihon Safety
  6. 06Zenhoren
  7. 07Approval Strategies by Visa Status
  8. 08Permanent Residents, Special Permanent Residents, and Long-Term Residents
  9. 09Work Visas (Technology, Humanities/International Services, etc.)
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Back to columns
  • 10Student Visas
  • 11Technical Intern and Specified Skilled Worker Visas
  • 12Guarantee Fee Rates and Cost-Saving Tips
  • 13Preparation Checklist for Passing Approval
  • 14Summary
  • Why Guarantor Companies Are Essential for Foreign Renters

    Most rental properties in Japan require tenants to use a guarantor company as a condition of residency. While this may seem like a major hurdle for foreigners, using a guarantor company is actually the most practical way to rent without a joint guarantor.

    In recent years, more guarantor companies have specialized in serving foreign residents and strengthened their multilingual support; if you meet conditions such as valid visa status, stable income, and years of residence in Japan, your chances of passing screening are strong.

    Comparison of 4 Major Foreign-Friendly Guarantor Companies

    GTN (Global Trust Networks)

    The most recognized foreign-specialist guarantor company in the industry.

    ItemDetails
    Supported LanguagesEnglish, Chinese, Korean, Vietnamese, Nepali, and 15+ other languages
    Applicant PoolPrimarily targets foreigners; accepts applicants shortly after arrival and those with limited residence history
    Guarantee FeesInitial fee: 50–100% of monthly rent (varies by plan); annual renewal fee: approximately ¥10,000
    Required DocumentsResidency card, passport, income documentation (employment contract acceptable for work visa holders)
    Key AdvantagesAs a foreign specialist, GTN has more lenient approval criteria than competitors. Multilingual staff support the application process

    GTN also serves international students, technical interns, and specified skilled worker visa holders, and may approve applications even when applicants lack Japanese income documentation immediately after arrival.

    Casa

    Widely used by smaller property management companies and real estate agencies. There are no explicit restrictions on foreign applicants; anyone with a valid residency card is eligible for screening.

    ItemDetails
    Supported LanguagesPrimarily Japanese (English support varies by location)
    Applicant PoolAbility to communicate in Japanese; stable income required
    Guarantee FeesInitial fee: 50–60% of monthly rent; ongoing: 1% of monthly rent
    Key AdvantagesMonthly percentage-based fee structure keeps initial costs lower

    Since Casa does not specialize in foreign applicants, approval depends heavily on Japanese language ability, years of residence in Japan, and workplace stability.

    Nihon Safety

    A guarantor company with nationwide coverage and extensive experience approving foreign applicants.

    ItemDetails
    Supported LanguagesEnglish, Chinese (multilingual inquiry windows expanding)
    Applicant PoolValid visa holders (permanent residents and long-term residents have particularly high approval rates)
    Guarantee FeesInitial fee: 50–70% of monthly rent; annual renewal fee: approximately ¥10,000
    Key AdvantagesStrong support for permanent residents and long-term resident visa holders; favorable for long-term residents with multiple renewals

    Zenhoren

    A major guarantor company with many properties in its portfolio; approvals for foreign applicants are increasing.

    ItemDetails
    Supported LanguagesPrimarily Japanese (English-language support available)
    Applicant PoolStable income, valid visa status, Japanese language communication ability
    Guarantee FeesInitial fee: 50–100% of monthly rent (depends on property and approval results); annual renewal fee: approximately ¥10,000
    Key AdvantagesExtensive partnerships with major property management companies and large real estate agencies; commonly used for urban properties

    Approval Strategies by Visa Status

    Guarantor company approval varies significantly based on visa status.

    Permanent Residents, Special Permanent Residents, and Long-Term Residents

    The easiest visa statuses to approve. These are often treated with the same approval standards as Japanese citizens. Income documentation and residency card are sufficient for most guarantor companies.

    Work Visas (Technology, Humanities/International Services, etc.)

    Employer size and income stability are emphasized. Employment contracts, employment certificates, and pay stubs serve as important supporting documents.

    Student Visas

    Approval tends to be stricter due to little or no income. Foreign specialist guarantor companies like GTN are effective. Submit proof of remittance (international transfer records) and scholarship documentation as supporting materials.

    Technical Intern and Specified Skilled Worker Visas

    Approval rates increase with documentation from the sending company or receiving institution. GTN and Nihon Safety actively accept these visa statuses.

    Guarantee Fee Rates and Cost-Saving Tips

    Initial guarantee fees typically range from 50–100% of monthly rent.

    Cost-Saving Tips

    • •GTN (the foreign specialist) has lenient approval but slightly higher fees. Conversely, Casa's monthly percentage-based approach becomes more economical the longer you stay.
    • •If lower fees are a priority over approval certainty, choose a general guarantor company once you've been in Japan longer.
    • •Ask your real estate agent to focus on properties managed by companies using foreign-friendly guarantor services; this streamlines the process.

    Preparation Checklist for Passing Approval

    Prepare the following for guarantor company screening:

    • •[ ] Residency card (copies of both sides; verify expiration date)
    • •[ ] Passport (currently valid)
    • •[ ] Income documentation (tax withholding certificate, 3 months of pay stubs, or employment contract)
    • •[ ] Employment certificate (request from your employer)
    • •[ ] Emergency contact information (name, phone number, and relationship)
    • •※Some guarantor companies require an emergency contact within Japan
    • •[ ] Bank account information (copy of your salary deposit account)

    Summary

    For foreign residents, using a guarantor company is essential to rental approval. Immediately after arrival or with limited residence history, specialized companies like GTN are the most practical option. If you've been in Japan longer with stable income, general guarantor companies like Nihon Safety and Zenhoren become viable alternatives. The key first step toward smooth rental approval is telling your real estate agent upfront: "I need a property managed by a company that uses foreign-friendly guarantor services."

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