Paying the rent is not anyone’s favorite thing to do. There are various ways you can choose to pay the rent in Japan but they could be stressful because of the language barrier. To avoid being lost when picking a payment method, knowing the options and their pros and cons will help you figure out which way suits your style.
1.Bank Transfer
Most people would like to go for the bank transfer because of their daily busy schedule. They also want to avoid rushing to the convenience store before the payment due date.
But there are advantages and disadvantages to choosing this option. To make the payment you need to have a Japanese bank account.
The payment via bank transfer is called 口座振込 (kouza furikomi) in Japanese. To set up these transactions you need to set up a bank account with internet banking.
For those who are planning to start a new life in Japan, keep in mind that Japanese bank employees don’t have English Customer service. For a safe and smooth service, you better find someone who can help to translate. Following are the pros and cons of having a Bank transfer payment for rent.
Pros
- You fix the time for the payment
- No long line waiting at the counter
- Able to check your monthly transaction
Cons
- English page is not available. ( except in the case of Shinsei Bank which has an English site)
- Entering the information could be a real headache
- Most banks will charge a transaction fee ( Fee may change depends on the bank)
- If you enter the wrong information the transaction fee will be charged even though the transaction doesn’t go through
2. Automatic withdrawal
Automatic withdrawal systems will be always easy and a time saver. No need to worry about the deadline or the due date. But you have to ensure that you will have enough credit balance to set up this system.
Pros
- Easy monthly payment
- No bill due
- Receive a receipt from the rental company every month
Cons
- Physical application required
- Application processing time (At Least one month)
- Have to arrange another payment method while you are waiting for your approval
3. Convenience store
The most effortless payment for the rent is paying at the convenience store. You just have to carry your bill to the nearest convenience store counter and you are all set for the month.
Pros
- 24 hours open
- Available all around Japan
- Easy payment system
Cons
- Cash Only (No Debit/Credit card accepted)
- Have to go to a convenience store every month
4.Credit Card
This process is quite similar to automatic withdrawal. Some apartment owners started to accept credit cards also. If you are holding popular credit cards like Visa, Mastercard etc there won’t be much trouble to pay the bill every month. However, since Japan is still a cash society, some apartments don’t accept credit cards. Thus, ask your agent whether it’s possible or not.
Pros
- Credit points
- Easy process
- No worries about the due date
Cons
- Some apartments don’t accept credit cards
- You have to care about the credit balance
5. Direct payment at the store
This option would be recommended only if you miss the payment before the due date. The convenience store’s bar code reader won’t accept the receipt when your credit limit is over or the payment is declined by the credit card company. You better contact the customer care support or visit personally to their office.
Pros
- The only option to solve the unpaid bills issues
Cons
- Time-consuming
- The company may charge a fine for missing the deadline (*Depends on the company)
What if I cannot pay bills
If you are planning to move to Japan for the long term of course you need to rent an apartment or house. Like every other country, paying rent on time is very important.
The most important thing you should keep in your mind is the language barrier and communicating with the apartment managers or landlords. it’s going to be a real challenge for your life. To avoid those kinds of dramatic situations, it would be better to pay it on time and follow the rules.
If you miss paying one monthyou may contact the apartment manager or landlord directly and ask if they have a partial payment option or not. Most of the time the landlord asks for a Japanese guarantor to avoid those kinds of situations.
If you miss paying multiple timesbecause of your financial crisis then you are in trouble, like in every other country. The landlord or the property manager may put a notice on your door to vacate the house with immediate effect. Those are the worst scenarios.
Don’t forget to pay the rent in Japan
There are several ways to pay the rent in Japan and the most recommended way is to use automatic withdrawal because it allows you not to worry about the monthly payment.
When you cannot pay the rent, not only will you put your guarantor in trouble, but you would be kicked out of the apartment in the worst case. Thus, a proper financial plan is essential when renting an apartment in Japan.
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