Security Deposit is Cultural

While rent in Japan may be comparable to rent in some of the big cities in the US (around $1800 a month for a decent place), the security deposit/up front costs are culturally driven.

The information I have been reading says that you need to come to Japan expecting to pay around $10k upfront for your apartment or house rental. Usually required upfront is: 2 months worth of rent, 1st month rent, reiken fee, realtor fee, and any pet deposits.

The reiken fee is a gift for your landlord and is not returned at the end of your lease. It is usually the equivalent of the deposit, but can also be upwards of three months rent.

Additionally, if you live in an apartment building, you will also be charged a monthly maintenance fee.

All of these costs add up quickly, not to mention they charge a lease renewal fee every time your lease comes up for renewal and a parking fee for your parking spaces.

Whew. Sounds like a lot. Luckily the Navy has worked out a plan in which you can take out a no interest loan of up to $10k and pay it back as your time in Japan wears on. While being in debt is no fun, all the material I'm reading is saying "Go for the loan!" so you can spend your money on household items, groceries, buying cars, and buying car insurance.

The loan, afterall, is no interest, so you pay back exactly what you borrow and most people said they didn't even notice the loan payment coming out of their paycheck every month.