Introduction
For those considering applying for permanent residency in Japan, income requirements are a major concern. Many wonder, “Is it possible to apply with an income under 3 million yen?” or “How does having dependents affect the required income?” This article explains the latest examination standards and concrete strategies from the perspective of an immigration specialist.
Basic Income Requirements for Permanent Residency
Applicants must demonstrate “sufficient assets or skills to support themselves independently,” with 3 million yen annual income being the practical benchmark for single applicants. This amount increases with dependents.
Estimated Required Income by Family Structure
| Family Structure | Estimated Required Income |
|---|---|
| Single | 3 million yen |
| Spouse | 3.7 million yen |
| Spouse + 1 child | 4.4 million yen |
| Spouse + 2 children | 5.1 million yen |
4 Strategies for Applicants Under 3 Million Yen
- Combining Household Income
If a spouse holds a work visa such as “Engineer/Specialist in Humanities/International Services,” incomes can be combined. - Asset Documentation
Savings over 5 million yen may mitigate income requirements. Provide 5-year bank statements and balance certificates. - Proving Employment Stability
・Employment certificates covering 3+ years
・Employer recommendation letters
・Salary increase records - Demonstrating Social Contribution
・Community volunteer certificates
・JLPT N1 certification
・Tax payment awards
Case Studies
Case A (Caregiver/Single)
・Income: 2.9 million yen
・Strategy: 5-year employment proof + 3 million yen savings
・Result: Granted after 10 years residency
Case B (IT Engineer/Family of 4)
・Household income: 4.8 million yen (3.2M + 1.6M)
・Strategy: Spouse’s visa status change + children’s school records
・Result: Granted after 7 years
Key Documents and Preparation Tips
- Tax certificates for past 5 years (municipal-issued)
- Residence records for all household members
- Bank balance certificates (ideally 5M+ yen)
- Employment verification (3+ years preferred)
- Social insurance payment records (2 years)
3 Critical Examination Factors
- Income Sustainability: Stable income history outweighs sudden increases
- Family Livelihood Basis: Mortgage payments and education expenses
- Social Adaptation: Japanese proficiency and community involvement
Conclusion
While challenging, obtaining permanent residency with under 3 million yen income is possible through proper preparation. The key lies in comprehensively demonstrating “income stability,” “family livelihood foundations,” and “social contributions.” Those with dependents should pay particular attention to household income calculations and documentation. Always consult specialists to develop personalized strategies before applying.
