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  • New Life in Japan: A Complete Survival Guide for Filipinos (2025 Edition)
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New Life in Japan: A Complete Survival Guide for Filipinos (2025 Edition)

Taro 2025年12月19日
Contents

  • Welcome Message
  • Chapter 1: Life in Japan – Culture, Manners, and “Why”
  • Chapter 2: Legal Rules for Daily Life
  • Chapter 3: Money, Banking, and Remittance
  • Chapter 4: Renting a Home in Japan
  • Chapter 5: Common Problems and Real Risks
  • Chapter 6: Healthcare and Emergencies
  • Frequently Asked Questions (Q&A)
  • Final Summary
  • Key Terms

Welcome to Japan – A Message for Your New Life and Your Family’s Future

If you are reading this, it means you made a brave decision: leaving the Philippines to work, study, or build a career in Japan. Many Filipinos come here with a clear goal—to support parents, children, or siblings back home, to send remittances every month, and to create a better future through hard work. That motivation is something to be proud of.

However, there is a reality in Japan that every foreign resident must understand early: not knowing the rules is the biggest risk to your future and your family’s stability. Japan is a strict contract society. Laws, rental contracts, workplace rules, and visa conditions are written clearly, and once you sign, you are legally responsible for following them.

In Japan, excuses like “I didn’t know” or “my friend said it was okay” do not protect you. They are not accepted by landlords, management companies, police, or immigration officers. Many Filipinos get into serious trouble not because they intended to break the law, but because they assumed Japanese rules were flexible like back home. Unfortunately, flexibility is very limited here.

Violating rules can lead to written warnings, financial penalties, loss of housing, and in severe cases, problems with your visa renewal. Once your visa status becomes unstable, everything else collapses: your job, your ability to send money home, and the trust placed in you by employers and landlords. This is why following rules is not about fear—it is about responsibility.

Following Japanese rules does not mean losing your freedom. It means protecting it. It means protecting your right to stay, to work, and to continue supporting your family in the Philippines. Think of rules as guardrails: they exist so you can move forward safely without falling into a situation that destroys years of effort.

This guide explains not only what the rules are, but why they exist and what really happens when they are ignored. Understanding this early will save you stress, money, and possibly your future in Japan.


Chapter 1: Life in Japan – Culture, Manners, and the “Why” Behind Silence

Why Japanese apartments transmit sound like a drum

Most rental apartments in Japan are built using Mokuzo (wooden structures) or Light Gauge Steel. These construction methods are efficient and earthquake-resistant, but they have one major characteristic: sound travels very easily. Walls and floors are thinner than what many Filipinos are used to.

In the Philippines, many homes are made with concrete or hollow blocks. These materials absorb sound better. In Japan, however, footsteps, voices, laughter, phone vibrations, and even chair movements can travel through floors and walls like a drum. What feels quiet inside your room may sound very loud next door.

The cultural gap: Filipino warmth vs. Japan’s protected silence

Filipino culture is lively and expressive. Parties, karaoke, shared meals, and loud video calls with family are signs of closeness and joy. These are beautiful cultural values. But in Japanese apartment buildings, silence (Katahimikan) is considered a personal right, protected by contracts and social rules.

This means your neighbors have a legally protected expectation to rest and sleep without disturbance. Noise is not just “annoying” in Japan—it is considered a violation of peaceful living. Many residents wake up early for work, and repeated disturbances can cause serious mental stress and resentment.

Common noise triggers after 10:00 PM

In most Japanese apartments, 10:00 PM is the unofficial but widely understood quiet time. After this hour, even normal daily activities can become complaints if they are loud or repeated.

  • Loud footsteps or pacing, especially on wooden floors
  • Speakerphone or video calls late at night
  • Laughter, group conversations, or gatherings
  • Shower sounds or washing machines during late hours
  • Smartphone vibrations placed directly on the floor

Because of time differences, many Filipinos call family late at night. Without earphones, these calls often become the number one source of complaints. Neighbors do not know it is a family call—they only hear noise that prevents sleep.

From complaints to eviction: how problems escalate

Japanese residents rarely confront neighbors directly. Instead, they report issues to the management company. The first step is usually a written warning. If complaints continue, the management company may contact the police for an official visit and record.

Once you are labeled a “problem tenant”, your situation becomes very serious. Landlords may refuse to renew your contract, and guarantor companies may reject you in the future. In extreme cases, repeated violations can lead to eviction.

Housing problems often affect immigration status indirectly. Losing your home can mean losing your job address or stability, which can negatively impact visa renewal. This is why noise issues are not “small problems” in Japan—they are risks that can damage your entire life plan.

Bottom line: Staying quiet at night is not about suppressing your culture. It is about protecting your right to stay in Japan, keep your job, and continue supporting your family. Silence at the right time equals peace for your neighbors—and security for your future.


Chapter 2: Legal Rules for Daily Life – Small Mistakes That Can Become Big Problems

Garbage Disposal (Gomi): Why rules matter so much in Japan

In the Philippines, garbage collection is often flexible. Many areas allow residents to put trash out when the truck comes, and strict separation is not always enforced. Japan is completely different. Here, garbage disposal follows four strict rules: designated day, designated time, designated bag, and designated category.

Each city or ward decides its own garbage schedule. Burnable trash, non-burnable trash, plastics, cans, bottles, and paper are collected on different days. Using the wrong bag or putting trash out on the wrong day is not a “small mistake.” In Japan, it is often seen as a sign that the resident does not respect the community.

Neighbors notice trash very closely. If garbage rules are repeatedly broken, they may report the issue to the management company. For foreign residents, this can quickly lead to being labeled as a “problem tenant,” which damages trust and can affect future housing opportunities.

Illegal Dumping (Fudou Touki): A crime, not just bad manners

Throwing away old furniture or appliances—such as TVs, mattresses, microwaves, or bicycles—on the street or near garbage stations is considered illegal dumping in Japan. This is not just against building rules; it is a criminal offense.

Many areas have surveillance cameras, and management companies actively investigate illegal dumping. If the item can be traced back to you, the case may be referred to the Police. Even if you thought “someone will take it,” responsibility still belongs to the person who dumped it.

The correct way to dispose of large items is through Sodai Gomi (oversized garbage). This usually requires a paid reservation through the city office or website, purchasing a disposal sticker, and placing the item in the correct location on the assigned date. It takes time and money, but it protects you from legal trouble.

Bicycle Rules: Bicycles are vehicles under Japanese law

In Japan, a bicycle is legally classified as a vehicle, not a toy. This means bicycle riders must follow traffic laws. Anti-theft registration is strongly recommended and often required. Riding without lights at night, riding with headphones, or carrying another passenger are violations.

The most serious risk is accidents. If you hit a pedestrian—especially a child or elderly person—you may be held financially responsible for injuries. Compensation claims can reach tens of millions of yen, equivalent to millions of pesos. Without proper insurance, this debt can follow you for life.

Following bicycle rules is not about being strict; it is about protecting yourself from accidents that can destroy your financial stability and visa status.


Chapter 3: Money, Banking, and Remittance – Where One Wrong Choice Can End Everything

Account Selling: “Quick Cash” that leads to arrest and deportation

On Facebook groups and online marketplaces, you may see offers like “Quick Cash,” “Sell unused ATM,” or “Just lend your account.” These offers often target foreign residents who need money urgently. What many people do not realize is that selling or lending a bank account is a serious crime in Japan.

Bank accounts sold this way are commonly used for Special Fraud, including scams targeting elderly people. Even if you did not personally scam anyone, your name is on the account. That makes you the first suspect. Once the Police get involved, claiming ignorance rarely helps.

For foreign residents, the consequences are severe: arrest, criminal investigation, frozen bank accounts, and potential deportation. In many cases, deportation also comes with a permanent ban on re-entering Japan. One decision made for “easy money” can erase years of effort.

Underground Remittance: Why unofficial money transfers are dangerous

Some Filipinos use unofficial remittance routes because they promise better exchange rates or faster delivery, similar to informal “Pera Padala” systems. However, in Japan, these routes are often connected to money laundering investigations.

If authorities suspect illegal money flows, your transactions may be examined. This can lead to questioning by the Police or scrutiny from Immigration. Even if the money was meant for family support, using illegal channels can still violate Japanese law.

Legal remittance channels: The only safe way forward

To protect your visa, your income, and your family in the Philippines, always use legal remittance services such as SBI Remit, Seven Bank, or DCOM. These services keep proper records, comply with Japanese regulations, and provide support if something goes wrong.

Relying on official channels may feel slower or more expensive, but it is the only way to ensure that your hard-earned money reaches your family safely—and that your future in Japan remains secure.

Remember: Do not trust SNS rumors. Do not trust “everyone is doing it.” Trust official rules. One illegal financial decision can cost you your job, your home, your visa, and your ability to support your loved ones.


Chapter 4: Renting a Home in Japan – Contracts, Credit, and the Real Cost of Living

Guarantor vs. Guarantee Company: Why “credit history” in Japan is very real

When renting a home in Japan, landlords do not only look at whether you can pay rent this month. They are far more concerned about risk. This is why most rental contracts require either a personal guarantor or a guarantee company. Many Filipinos assume that once a guarantee company is involved, the problem is “covered.” This is a dangerous misunderstanding.

If you miss rent—even once—the guarantee company may temporarily pay the landlord, but they will immediately record you as a high-risk tenant. This information is shared across the rental industry. In practical terms, this is a blacklist. Once you are labeled unreliable, future landlords and guarantee companies may refuse you, regardless of how much money you have.

This is why paying rent late is not “just late” in Japan. It is a permanent mark on your record. Losing the ability to rent means losing housing stability, which can also affect your job and, indirectly, your visa renewal.

Restoration Fees (Genjo Kaifuku): Shikikin is not a tip or a safety net

Many foreign residents misunderstand Shikikin (security deposit). It is not a tip, and it is not guaranteed to come back. Shikikin exists to cover restoration costs when you move out. If the damage exceeds “normal wear and tear,” you will be charged—sometimes far beyond the deposit amount.

Common reasons Filipinos are charged large restoration fees include:

  • Nicotine stains from smoking indoors, which penetrate wallpaper and ceilings.
  • Mold caused by poor ventilation, especially in winter.
  • Strong food odors from frequent deep frying, fish dishes, or oil-heavy cooking that soak into walls, curtains, and air conditioners.

Once these smells and stains penetrate the wallpaper, simple cleaning is not enough. Landlords may require full wallpaper replacement and professional deodorization. These costs can easily reach 200,000–500,000 yen or more. This often comes as a shock to tenants who believed their deposit would cover everything.

Renewal Fees (Koushinryo): A system you must plan for in advance

Most rental contracts in Japan last two years. When the contract ends and you wish to stay, you are required to pay a renewal fee (Koushinryo), usually equal to one or two months’ rent. This system does not exist in the Philippines, which is why many Filipinos are unprepared.

Failing to pay the renewal fee on time can result in contract termination. To avoid a financial crisis, treat the renewal fee as a fixed future expense and save a small amount every month. Planning ahead protects your housing and your peace of mind.


Chapter 5: Common Problems and Real Risks – Where Good Intentions Go Wrong

Unregistered Guests: Helping a friend can cost you your home

Filipino culture values Pagtutulungan—helping friends and fellow Kabayan in need. Offering a place to stay “just for one night” may feel natural and kind. In Japan, however, this act is often classified as illegal subletting or unauthorized occupancy, which is a major contract violation.

Most rental contracts strictly limit who may stay in the apartment. Even one unregistered overnight guest can be grounds for serious action. Many buildings have CCTV cameras, management patrols, and neighbors who quickly notice unfamiliar people. Once reported, management may investigate immediately.

If unauthorized occupancy is confirmed, the landlord may proceed with immediate eviction. There is often no negotiation. One act of kindness can result in losing your home, damaging your rental record, and destabilizing your life in Japan.

Condensation and Mold (Ketsuro): A winter problem with expensive consequences

The Philippines is humid year-round, but Japan’s winter presents a different danger: condensation. Warm indoor air meets cold walls and windows, causing water droplets to form. If left untreated, this moisture quickly turns into mold that eats into wallpaper and walls.

In Japan, mold caused by daily living is considered the tenant’s responsibility. If you fail to ventilate properly—by opening windows, using exhaust fans, and wiping condensation—you may be charged for wall replacement during move-out. These fees are not optional and can be very high.

Many tenants underestimate this risk. Ignoring condensation today often means paying hundreds of thousands of yen later.

Neighbor Complaints and Police Involvement: When trust drops to zero

In Japan, neighbors rarely confront you directly. Instead, they report problems to the management company or call the Police. Once police visit your apartment—even for a “warning”—your trust level with the management company drops sharply.

Being labeled a problem tenant affects everything: contract renewal, future housing applications, and even how your situation is viewed during visa renewal. In Japan, trust is currency. Once lost, it is extremely difficult to regain.

The reality: Following rules is not about being strict or unfriendly. It is about protecting your home, your job, and your ability to stay in Japan. One careless decision can undo years of sacrifice—for you and for the family counting on you.


Chapter 6: Healthcare and Emergencies – Knowing the System Can Save Your Life and Money

The Two-Tier Healthcare System in Japan: Why clinics come first

Japan’s healthcare system is designed around a two-tier structure. For most illnesses—such as fever, cough, stomach pain, minor injuries, or ongoing conditions—you are expected to visit a local clinic or doctor’s office first. Clinics handle primary care and decide whether you need more advanced treatment.

Many Filipinos assume that going directly to a large general hospital means faster or better care. In Japan, this approach often has the opposite result. If you visit a general hospital without a referral letter from a clinic, you may be charged an additional cost known as a Special Selection Fee. This fee can range from several thousand yen to over ten thousand yen and is often not covered by insurance.

By visiting a clinic first, you save money, receive quicker care, and avoid unnecessary stress. If your condition is serious, the clinic will issue a referral letter, allowing you to access hospital care smoothly and at a lower cost.

Health Insurance: The difference between affordable care and financial disaster

Anyone living in Japan long-term is expected to enroll in National Health Insurance (Kokumin Kenko Hoken) or an employer-provided plan. With insurance, most medical costs are reduced to about 30% of the total bill.

Without health insurance, you must pay 100% of medical costs out of pocket. Even a simple hospital visit can cost tens of thousands of yen. Serious treatment, tests, or hospitalization can quickly drain your savings. For someone supporting family in the Philippines, this can be devastating.

Health insurance is not optional protection—it is a financial shield that allows you to stay healthy without destroying your ability to support loved ones.

Emergency numbers you must remember

  • 119: Ambulance and Fire emergencies (serious injury, loss of consciousness, fires).
  • 110: Police emergencies (crime, threats, dangerous situations).

These services are available 24/7. In true emergencies, do not hesitate. Acting quickly can save lives—including your own.


Frequently Asked Questions (FAQ)

What if my neighbor is too noisy?

Do not confront your neighbor directly, even if you feel angry or stressed. In Japan, direct confrontation can escalate quickly, especially when there is a language barrier. Instead of resolving the issue, you may end up being seen as the problem.

The correct approach is to contact the management company (Kanri Gaisha). Provide specific details such as time, type of noise, and frequency. The management company acts as a neutral third party and can issue warnings without personal conflict.

This protects your reputation as a calm and reasonable tenant. Direct confrontation, on the other hand, may lead to counter-complaints, police involvement, and long-term damage to your rental record.

How do I dispose of a large sofa when moving?

Large furniture such as sofas, beds, tables, and appliances are classified as Sodai Gomi (oversized garbage). These items cannot be thrown away with regular trash.

You must make a reservation with your city or ward, usually online or by phone. After paying the required disposal fee and receiving a sticker, you place the item in the designated location on the scheduled day. Dumping furniture illegally—even if “someone might take it”—is a crime and can lead to police involvement.

Planning disposal early prevents last-minute panic and legal trouble.

Where can I get help if I’m anxious about visa renewal?

Do not rely solely on advice from friends or social media. Visa rules are complex and change frequently. Incorrect advice can put your legal status at risk.

Reliable sources include the Immigration Information Center and licensed professionals known as Gyoseishoshi (administrative scriveners). Many local governments also offer free or low-cost consultations for foreign residents.

Seeking help early gives you time to prepare documents, fix issues, and protect your future in Japan.


Final Summary – Rules Are Not Chains, They Are Your Protection

Living in Japan can feel overwhelming at first. There are many rules, many procedures, and little room for “pwede na.” But these rules are not meant to take away your freedom. In Japan, following rules is how you earn Credit—trust.

Trust determines whether landlords rent to you, whether companies hire you, and whether your visa renewal goes smoothly. Once trust is lost, it is extremely difficult to recover. Every small action—paying rent on time, keeping quiet at night, disposing of trash correctly—builds or destroys that trust.

You came to Japan not just for yourself, but for your family in the Philippines. Your discipline today protects their future tomorrow. Respect the rules, understand the system, and move forward with confidence. Your success here is possible—and worth protecting.


Key Terms

【在留カード】 Zairyu Card
The official residence card issued to foreign nationals in Japan. It proves your legal status, visa type, and period of stay. You must carry it at all times and present it when signing rental contracts, opening bank accounts, or dealing with authorities. Losing it or failing to update your address can cause serious immigration problems.
【敷金】 Shikikin
A security deposit paid at the start of a lease. It is used to cover cleaning and repair costs when you move out. Unlike deposits in many countries, it is often partially or fully deducted. Heavy stains, mold, or strong odors can exceed the deposit, resulting in extra charges.
【礼金】 Reikin
“Thank you money” paid to the landlord at the beginning of the contract. This money never comes back. It does not reduce rent and is not a deposit. This system does not exist in most countries and is a common source of shock for new tenants.
【仲介手数料】 Chukai Tesuryo
A brokerage fee paid to the real estate agent for finding the property and handling paperwork. This is a service fee and is non-refundable.
【更新料】 Koushinryo
A renewal fee paid when extending a lease, usually every two years. It is often equal to one or two months’ rent and must be budgeted for in advance.
【管理会社】 Kanri Gaisha
The property management company responsible for maintenance, complaints, and enforcing building rules. Always contact them instead of confronting neighbors directly.
【保証会社】 Hosho Gaisha
A guarantee company that covers rent if you fail to pay. They will later collect the debt from you and may record you as high-risk, affecting future rentals.
【退去費用】 Taikyo Hiyo
Move-out costs such as cleaning, repairs, and deodorization. These can be very high if damage exceeds normal wear.
【原状回復】 Genjo Kaifuku
The obligation to restore the apartment to its original condition beyond normal use. Damage caused by negligence becomes the tenant’s financial responsibility.

著者について

Taro

Administrator

首都圏在住。管理会社に勤務し、賃貸管理業に従事しています。 事業主側で不動産売買と収益物件の管理を経験し、その後、現在の管理会社に転身しました。 保有資格: 宅地建物取引士 賃貸不動産経営管理士

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Name:Taro

首都圏在住。管理会社に勤務し、賃貸管理業に従事しています。
事業主側で不動産売買と収益物件の管理を経験し、その後、現在の管理会社に転身しました。

保有資格:
宅地建物取引士
賃貸不動産経営管理士

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