#Japan #Tokyo #Orico #Dwilar #E-HOUSING

Innovative Infrastructure for Foreign Residents in Japan: A New Model for Housing Support

In response to the expanding demand for global talent, E-HOUSING, a Tokyo-based real estate brokerage specializing in foreign nationals, has embarked on a groundbreaking initiative. This collaboration comes alongside Orico for Rent Insurance and Dwilar, Inc., joining forces to leverage credit information from applicants' home countries to facilitate housing for foreign residents in Japan. The pilot program is set to launch in May 2026, marking a significant shift in the way housing challenges for foreigners are approached.

The Challenge: Bridging the Credit Information Gap

Traditionally, foreign applicants seeking rental properties in Japan faced considerable hurdles. Real estate companies often perceived the language and cultural differences as risks, leading to reluctance in providing housing, even when the potential tenants’ incomes and employment were stable. This reluctance stems from a significant issue: foreign applicants typically lack credit histories in Japan, resulting in their exclusion from housing opportunities.

Through this new scheme, E-HOUSING and Dwilar aim to implement a cross-border credit evaluation that integrates credit information from home countries with qualitative data from within Japan. Specifically, Dwilar will collect and analyze credit histories, including payment defaults and income stability, while E-HOUSING will focus on acquiring domestic information like employment status and visa qualifications. These data will be combined into a unique scoring system that allows for a fair assessment of foreign applicants' creditworthiness.

Orico will then complement this process by providing rental guarantee services to real estate management companies. This tri-party collaboration ensures that both potential tenants and landlords can benefit from a system that eases the concerns associated with renting to foreign individuals.

The Innovative Collaboration: Roles and Responsibilities

Company	Role	Provided Information/Services
-	-	---
Dwilar	Acquire and analyze home country credit information	Default history, delayed payments, income stability, remaining debts
E-HOUSING	Gather domestic information and integrate scores	Employment details, visa status, annual income, intended residential area
Orico	Conduct rental guarantee assessments and provide guarantees	Assurance to property management companies

Key Benefits of the New Scheme

1. Comprehensive Credit Evaluation: By blending international credit data with domestic information, the scheme offers a first-of-its-kind integrated scoring mechanism that landlords can trust.
2. Reduction of Burden on Employers: E-HOUSING will streamline the entire process, from property searches to contract finalization, easing the administrative load on HR departments within companies that employ foreign talent.
3. Holistic Support for Settling in Japan: The partnership will also provide additional services to foreign residents including assistance with obtaining SIM cards, opening bank accounts, and finding short-term furnished rentals, ensuring a smooth transition into their new lives in Japan.

Executive Insights

Erik Nasriddinov, CEO of E-HOUSING, commented, “The obstacle of being denied housing due to a lack of credit history in Japan is not merely an individual challenge but a structural issue that we must address as a society integrated with global communities. We aim to create a reality where anyone arriving in Japan can select their ideal housing from day one, leveraging Orico’s robust guarantee framework, Dwilar’s innovative credit assessment technologies, and our expertise in catering to foreign nationals.”

The Future of E-HOUSING

Since its establishment in 2022, E-HOUSING has successfully completed over 2,000 contracts, building a reputation for assisting foreign residents. The company plans to expand its services to further support the housing needs and living foundations of an increasingly global workforce.

Upcoming Developments

1. Development of a living support platform tailored for foreign workers.
2. Expansion of multilingual onboarding systems for rentals.
3. Offering global talent acceptance programs for corporate clients.

E-HOUSING stands committed to creating a conducive environment where foreign professionals can thrive in Japan, thus contributing to the local economy and culture.

Company Overview

- E-HOUSING Inc.

Location: Shibuya-ku, Tokyo
CEO: Erik Nasriddinov
Business: Real estate brokerage and foreign resident support platform management
Website: E-HOUSING
Instagram: EHousing