pixels facebook

All The Things You Need to Do Before Leaving Japan

Leaving Japan for Good? Your Essential Checklist

So, the time has come. After building a life, making friends, and navigating the unique joys and challenges of living and working in Japan, you’re planning your final departure. It’s a huge step, filled with mixed emotions and, yes, a bit of paperwork and procedure! While the thought of saying goodbye might be bittersweet, ensuring you handle everything correctly *before* you go is crucial for a smooth exit and to avoid any future headaches.

This guide is your Leaving Japan Checklist, designed to walk you through the essential procedures you need to complete when leaving Japan for good. We’ll cover everything from official notifications to financial matters and practical steps. By the end of this post, you’ll have a clear understanding of the final procedures before leaving Japan.

Let’s dive into what you need to do to wrap things up properly.

The Absolute Essentials: Immigration & Residence

These are arguably the most critical steps, dealing directly with your legal status in Japan. Don’t leave these until the last minute!

Notifying Your Ward Office/City Hall (Moving Out Notification)

  • When to do it: Typically, within 14 days *before* your departure date.
  • What you need:
    • Your Residence Card (在留カード – zairyu card)
    • Your personal seal (印鑑 – inkan) if you have one registered
    • Your My Number Card (マイナンバーカード) or Notification Card (通知カード), if you have one
  • The Procedure: Go to the resident affairs division (住民課 – jumin-ka) or citizen’s affairs division (市民課 – shimin-ka) of your ward/city hall. Request to file a “Moving Out Notification” (転出届 – tenshutsu todoke). They will process it and issue you a “Moving Out Certificate” (転出証明書 – tenshutsu shoumeisho). While you might not technically need this certificate *when leaving the country*, filing the notification is mandatory and starts the process of removing you from the resident registry. It’s key for handling things like residence tax and National Health Insurance.
  • Why it’s important: It’s a legal requirement and the starting point for severing your administrative ties with your municipality.

Returning Your Residence Card

  • When to do it: At the immigration counter at the airport *on your departure day*.
  • The Procedure: When you go through immigration at the airport, the officer will take your Residence Card, punch a hole through it (or mark it), and return it to you as a souvenir or keep it. Inform them clearly that you are leaving Japan for good.
  • Why it’s important: This is the official record of your departure and the end of your residence status. Failing to do this can cause issues if you ever plan to return to Japan in the future, even as a tourist. Make sure you don’t lose it before you get to the airport!

Tying Up Financial Loose Ends

Taxes, insurance, and banking require careful attention to ensure you don’t leave behind liabilities or lose potential refunds.

Dealing with Taxes (Residence Tax & Income Tax)

This is often the most confusing part for many foreign residents. Japan’s tax system operates on a fiscal year (Jan 1 – Dec 31), and residence tax is based on the previous year’s income, payable the following year.

  • Residence Tax (住民税 – jumin-zei): If you were living in Japan as of January 1st of the year you are leaving, you are liable for the full year’s residence tax based on your *previous* year’s income, even if you leave mid-year.
    • What to do: When you file your Moving Out Notification at the ward office, they will inform you how the remaining tax needs to be paid. You usually have two options:
      • Pay it all before leaving: If your departure is after May but before the final payment deadline (usually January of the next year), you can ask to pay the remaining installments in a lump sum *before* you leave.
      • Appoint a Tax Representative (納税管理人 – nouzei kanrinin): If you cannot pay it all before leaving, you *must* appoint a resident in Japan (a friend, employer, etc.) to be your tax representative. This person will receive tax bills on your behalf and ensure they get paid. You need to file a notification appointing this person at the ward office. This is absolutely crucial if you don’t want tax bills piling up in your name after you leave.
    • Why it’s important: Unpaid taxes can accrue penalties and interest, and potentially cause issues if you wish to return to Japan later. Cancelling residence tax Japan requires appointing a representative or paying in full.
  • Income Tax (所得税 – shotoku-zei): This applies to income earned from January 1st up to your departure date.
    • What to do:
      • If you are an employee, your company *should* perform a year-end adjustment (年末調整 – nenmatsu chousei) for the income earned until you leave.
      • If you are self-employed or your employer doesn’t do the adjustment, you might need to file a final tax return (確定申告 – kakutei shinkoku) *before* leaving. You may also need to appoint a tax representative for this.
    • Why it’s important: To ensure you’ve paid the correct amount of income tax. You might even be eligible for a refund in some cases.

Social Insurance (Health Insurance & Pension)

You need to terminate your enrollment in the National Health Insurance (国民健康保険 – kokumin kenkou hoken) and/or Employee’s Health Insurance (健康保険 – kenkou hoken) and address your pension contributions.

  • Cancelling Health Insurance:
    • National Health Insurance: When you file your Moving Out Notification at the ward office, inform them you are leaving the country permanently. They will guide you on the procedure to cancel your National Health Insurance. You may need to return your health insurance card.
    • Employee’s Health Insurance: Your employer will handle the termination of your Employee’s Health Insurance when you leave the company. Your health insurance card becomes invalid on your final day of employment (or shortly after).
  • Understanding Pension Lump-Sum Withdrawal (脱退一時金 – dattai ichijikin): If you are enrolled in the National Pension (国民年金 – kokumin nenkin) or Employee’s Pension (厚生年金 – kousei nenkin) system, you might be eligible for a lump-sum refund of some of your past contributions *after* you leave Japan.
    • Eligibility: Requires at least 6 months of contributions and varies based on your nationality’s social security agreement with Japan. You must apply *within two years* of leaving Japan.
    • What to do: This cannot be done *before* you leave. You apply from *outside* Japan after your departure. You’ll need proof of your final departure (often a copy of your passport showing the exit stamp) and potentially a special form from the pension office.
    • Why it’s important: This is your opportunity to reclaim some of your contributions, as you likely won’t be receiving a Japanese pension in retirement unless you contribute for many years. Look into the Pension lump-sum withdrawal Japan process thoroughly.

Closing Your Bank Account

It’s highly recommended to close your Japanese bank account before you leave, especially if you won’t have a tax representative or need to handle payments after departure.

  • What to do: Visit your bank branch. Bring your bank book (通帳 – tsuchou), cash card (キャッシュカード – kyasshu card), registered seal (印鑑 – inkan), and Residence Card (which will be hole-punched). Be prepared for potential questions about your departure. Some banks may require proof of your upcoming departure or ask you to leave a forwarding address (though this is less relevant if closing the account).
  • Why it’s important: To prevent unauthorized transactions, avoid potential dormancy fees, and simplify your financial affairs once overseas. Closing bank account Japan ensures there are no lingering ties.

CONTACT US FOR A FREE CONSULTATION

Practicalities: Bills, Housing, and More

Don’t forget the everyday services you use. Cancelling these properly avoids unexpected bills or issues.

Cancelling Utilities (Electricity, Gas, Water)

You need to inform your utility providers of your move-out date.

  • What to do: Contact your electricity, gas, and water companies a week or two before you leave. Provide your customer number, address, final meter reading date (usually your move-out date), and a contact number or address for the final bill. You might be able to pay the final bill at a convenience store or via bank transfer arranged beforehand.
  • Why it’s important: To stop billing and ensure the services are disconnected after you leave.

Handling Your Mobile Phone/Internet Contract

These often involve contracts that can be tricky to cancel.

  • What to do: Contact your provider well in advance (some require a month’s notice). Be aware of potential contract cancellation fees if you are still within a minimum contract period. You’ll need to pay any final bills.
  • Why it’s important: To avoid recurring charges after you leave.

Moving Out and Closing Housing Matters

This involves cleaning, potential repairs, and getting your deposit back.

  • What to do: Arrange a move-out inspection with your landlord or real estate agent. Clean the apartment thoroughly. Be prepared for deductions from your deposit for cleaning or damages beyond normal wear and tear. Ensure you return the keys.
  • Why it’s important: To finalize your rental agreement and potentially receive your deposit refund (or know what deductions were made). Consider Moving out procedures Japan early.

Redirecting or Stopping Mail

Prevent important documents (like tax bills!) from getting lost or sent to an empty apartment.

  • What to do: You can file a mail forwarding request at the post office (郵便局 – yuubinkyoku) to redirect mail to a new address in Japan for up to a year. If you are leaving the country, it’s best to update addresses with important institutions (ward office, bank, pension office if applicable) before you go or arrange for a trusted person in Japan to handle mail. You can also put a sign on your mailbox indicating you’ve moved out.
  • Why it’s important: Ensures you don’t miss critical correspondence, especially related to taxes or pension.

Other Practical Tips

  • Sell or Dispose of Belongings: Plan how to handle furniture and other items you aren’t taking. Selling online or via recycle shops, or arranging for bulk trash disposal (粗大ごみ – sodai gomi) requires planning and sometimes fees.
  • Saying Goodbyes: Make time to connect with friends and colleagues!
  • Gather Important Documents: Keep your Residence Card (until the airport), passport, tax documents, pension documents, and copies of cancellation notices organized.

Quick Summary: Your Leaving Japan Checklist

Here are the key actions to take when leaving Japan for good:

  • Notify your Ward Office/City Hall (Moving Out Notification).
  • Appoint a Tax Representative for residence tax if needed, or pay in full.
  • Cancel National Health Insurance enrollment.
  • Close your Japanese Bank Account.
  • Cancel Utility contracts (Electricity, Gas, Water).
  • Cancel Mobile Phone/Internet contracts.
  • Complete Moving Out procedures for your housing.
  • Arrange for Mail forwarding or handling.
  • Keep your Residence Card until you present it at airport immigration.
  • Apply for the Pension Lump-Sum Withdrawal *after* leaving Japan (if eligible).

FAQs About Leaving Japan

  • Can I just leave Japan without doing any of this?

    No, it is highly recommended and legally required to handle procedures like the moving-out notification and Residence Card return. Ignoring taxes or bills can lead to future complications.

  • What about my pension? Can I get that money back?

    Yes, many foreign workers are eligible for the Pension lump-sum withdrawal Japan after leaving. You must apply from outside Japan within two years of your departure date.

  • Do I really need a tax representative for residence tax if I’m leaving?

    If you were a resident on January 1st of the year you leave and don’t pay the full year’s residence tax *before* you go, appointing a Tax representative is mandatory to handle the remaining payments and avoid future issues.

  • What’s the correct order to do things like the ward office and immigration?

    Generally, notify the ward office *first* (within 14 days before leaving) to start the administrative process. Returning your Residence Card is done at the airport *on your departure day*.

  • What should I do with large items like furniture when moving out?

    You need to arrange for Moving out procedures Japan which includes disposing of large items. This usually involves applying for bulk trash collection (粗大ごみ) at your local municipality and paying a fee, or selling/giving items away.

Conclusion

Preparing to leave Japan involves more than just packing your bags. By following these final procedures before leaving Japan, you can ensure a smooth administrative and financial departure. While the list might seem long, tackling each step methodically will save you stress down the line.

Leaving Japan for good is a significant transition. Taking the time to complete this essential Leaving Japan Checklist properly will allow you to close this chapter confidently and look forward to your next adventure without worrying about unfinished business back in the Land of the Rising Sun. Good luck with your move!

CONTACT US FOR A FREE CONSULTATION

If you have complex questions about your specific situation, like detailed tax queries, pension lump-sum withdrawal eligibility, or need assistance navigating the official procedures, it can be incredibly helpful to consult with professionals who specialize in assisting foreign residents in Japan. Don’t hesitate to seek expert advice to ensure everything is handled correctly before your departure.

“`

YUKYU (有休) Ở NHẬT: Giải thích một cách dễ hiểu nhất!

YUKYU (有休) LÀ GÌ? Nghỉ Phép Ở Nhật Đơn Giản Nhất!

Làm việc chăm chỉ là tốt, nhưng nghỉ ngơi để tái tạo năng lượng còn quan trọng hơn. Ở Nhật Bản, người lao động có một quyền lợi hợp pháp để làm điều này, đó chính là YUKYU (有休). Vậy cụ thể YUKYU (有休) LÀ GÌ và bạn có thể tận dụng nó như thế nào? Hãy cùng tìm hiểu nhé!

YUKYU (有休) Là Gì? Giải Thích Đơn Giản Nhất

Hiểu một cách đơn giản nhất, YUKYU (有休) là Nghỉ phép trả lương hàng năm. Tên đầy đủ trong tiếng Nhật là 年次有給休暇 (Nenji Yuukyuu Kyuuka).

Ai Được Hưởng YUKYU?

Không phải cứ làm việc là có YUKYU ngay lập tức. Bạn cần đáp ứng một số điều kiện cơ bản để được hưởng quyền lợi này:

Bạn Có Bao Nhiêu Ngày YUKYU? Cách Tính Như Thế Nào?

Số ngày YUKYU bạn được nhận sẽ tăng dần theo thâm niên làm việc tại công ty.

LIÊN HỆ NGAY

Sử Dụng YUKYU Như Thế Nào Cho Hiệu Quả?

Khi bạn đã đủ điều kiện và có ngày YUKYU, bạn có quyền sử dụng chúng.

Điều Gì Xảy Ra Nếu Không Dùng Hết YUKYU?

Tóm tắt nhanh / Điểm chính

Kết luận

YUKYU là một quyền lợi hợp pháp và rất quan trọng mà mọi người lao động Việt Nam tại Nhật Bản nên biết và sử dụng. Đừng ngại ngần xin nghỉ YUKYU khi bạn cần, cho dù là để về thăm nhà, đi du lịch hay đơn giản là nghỉ ngơi tại nhà. Việc sử dụng YUKYU không chỉ giúp bạn cân bằng cuộc sống mà còn góp phần duy trì sức khỏe thể chất và tinh thần để làm việc hiệu quả hơn.

Nếu bạn còn bất kỳ câu hỏi nào về YUKYU hoặc các vấn đề liên quan đến luật lao động khi làm việc tại Nhật Bản, đừng ngần ngại liên hệ để được tư vấn cụ thể nhé.

Câu hỏi thường gặp (FAQs)

Tôi làm chưa đủ 6 tháng thì có YUKYU không?

Theo luật, quyền lợi về YUKYU bắt đầu phát sinh sau khi bạn làm việc đủ 6 tháng liên tục và đáp ứng tỷ lệ chuyên cần 80%. Do đó, nếu chưa đủ 6 tháng, bạn sẽ chưa có ngày YUKYU.

Xin nghỉ YUKYU có phải trình bày lý do không?

Không. Bạn có quyền xin nghỉ YUKYU mà không cần phải giải thích lý do cụ thể cho công ty. YUKYU là quyền của bạn để sử dụng cho bất kỳ mục đích cá nhân nào.

Công ty tôi nói không có YUKYU thì có đúng luật không?

Nếu bạn đáp ứng đủ điều kiện về thời gian làm việc (liên tục 6 tháng trở lên) và tỷ lệ đi làm (trên 80%), thì việc công ty nói “không có YUKYU” là sai luật. YUKYU là quyền lợi được quy định trong luật lao động Nhật Bản về nghỉ phép. Bạn có thể tìm hiểu thêm và nếu cần, liên hệ các cơ quan tư vấn lao động hoặc các đơn vị hỗ trợ để được giúp đỡ.

Ngày nghỉ YUKYU có được tính lương không?

Có. “Yuukyuu” (有給) nghĩa là “có trả lương”. Khi bạn nghỉ YUKYU, công ty vẫn phải trả lương cho ngày đó như một ngày làm việc bình thường. Đây là điểm khác biệt cốt lõi so với các loại nghỉ không lương.

YUKYU không dùng hết có mất đi không?

Có. Số ngày YUKYU có thời hạn sử dụng là 2 năm kể từ ngày bạn được nhận số ngày đó. Nếu không sử dụng trong thời gian này, ngày YUKYU sẽ hết hạn và bị mất đi.

Nếu có bất kỳ vướng mắc hay câu hỏi nào liên quan đến việc làm, cuộc sống tại Nhật Bản, hoặc cần tư vấn sâu hơn về các quyền lợi lao động như YUKYU, đừng ngần ngại nhắn tin cho đội ngũ tư vấn của HSB JAPAN. Chúng tôi luôn sẵn sàng hỗ trợ bạn!

LIÊN HỆ NGAY

Thông tin liên hệ HSB JAPAN:

Trụ sở chính:
〒130-0026
東京都墨田区両国1-3-12 (925両国第2ビル)

Chi nhánh:
Phòng 602, Toàn nhà ASUVA, số 9A Thanh Liệt, Thanh Trì, Hà Nội.

Tel (Japan):(+81)3-5937-2465

Tel (Vietnam): (+84)24-6670-2797

“`

Thuế cư trú tại Nhật Bản : Những điều mà lao động tại Nhật cần phải biết !

Thuế cư trú ở Nhật: Người lao động Việt cần nắm rõ!

Chào các bạn lao động Việt Nam đang sinh sống và làm việc tại Nhật Bản!

Khi đặt chân đến đất nước mặt trời mọc, bên cạnh công việc, cuộc sống sinh hoạt hàng ngày, việc nắm vững các quy định về thuế là vô cùng quan trọng để đảm bảo quyền lợi và thực hiện đúng nghĩa vụ của mình. Có nhiều loại thuế khác nhau, và một trong số đó mà các bạn cần đặc biệt quan tâm chính là Thuế cư trú (住民税).

Hiểu rõ về Thuế cư trú sẽ giúp bạn quản lý tài chính tốt hơn, tránh những bỡ ngỡ hay rắc rối không đáng có, đặc biệt là khi có dự định thay đổi nơi ở hoặc về nước. Bài viết này sẽ cùng các bạn tìm hiểu chi tiết về loại thuế này một cách dễ hiểu nhất.

 

LIÊN HỆ NGAY

Thuế cư trú là gì và khác gì Thuế thu nhập cá nhân?

Thuế cư trú (住民税) là gì?

Phân biệt Thuế cư trú và Thuế thu nhập cá nhân (所得税)

Tóm lại, Thuế thu nhập cá nhân đánh vào thu nhập hiện tại, còn Thuế cư trú đánh vào thu nhập năm trước.

Ai cần đóng Thuế cư trú tại Nhật Bản?

Quy định về đối tượng nộp Thuế cư trú rất rõ ràng:

Bạn có nghĩa vụ đóng Thuế cư trú của một địa phương nếu bạn có địa chỉ đăng ký (在留カード ghi địa chỉ) tại địa phương đó vào ngày 1 tháng 1 của năm tính thuế.

Ngoài ra, bạn cũng cần phải có thu nhập trong năm trước đó vượt quá một ngưỡng nhất định (ngưỡng này có thể khác nhau đôi chút tùy địa phương).

Ví dụ: Nếu ngày 1 tháng 1 năm 2024, bạn vẫn đang đăng ký cư trú tại Osaka, thì bạn sẽ có nghĩa vụ đóng Thuế cư trú cho thành phố Osaka của năm 2024 (dựa trên thu nhập năm 2023) kể cả khi sau ngày đó bạn chuyển đến Tokyo hoặc thậm chí về Việt Nam.

Đây là một trong những điều quan trọng nhất cần nắm rõ về Thuế cư trú để tránh bỡ ngỡ.

Thuế cư trú được tính như thế nào?

Như đã nói, Thuế cư trú được tính toán dựa trên tổng thu nhập của bạn trong năm tài chính trước đó (từ ngày 1 tháng 1 đến ngày 31 tháng 12).

Việc tính toán cụ thể thường do cơ quan thuế của thành phố/quận nơi bạn đăng ký cư trú thực hiện. Họ sẽ dựa vào thông tin về thu nhập của bạn được khai báo qua công ty (qua quyết toán cuối năm) hoặc do bạn tự khai báo thuế thu nhập cá nhân.

Lawyer Legal counsel presents to the client a signed contract with gavel and legal law. justice and lawyer Business partnership meeting concept.

Thuế cư trú thường bao gồm hai phần:

  1. Khoản cố định đồng đều (均等割): Đây là một khoản phí như nhau áp dụng cho mọi cư dân có thu nhập, không phụ thuộc vào mức thu nhập cao hay thấp (chỉ cần vượt qua ngưỡng miễn thuế tối thiểu). Mức này thường khoảng vài nghìn Yên mỗi năm, có thể khác nhau giữa các địa phương.
  2. Khoản tính theo thu nhập (所得割): Phần này được tính theo tỷ lệ phần trăm trên thu nhập chịu thuế của bạn sau khi đã trừ đi các khoản giảm trừ theo luật định (như giảm trừ bản thân, giảm trừ người phụ thuộc, giảm trừ bảo hiểm xã hội…). Tỷ lệ này thường là 10% (4% là thuế tỉnh dân, 6% là thuế thị dân), nhưng có thể có sự điều chỉnh nhỏ ở một số địa phương.

Sau khi tính toán xong, cơ quan thuế địa phương sẽ gửi cho bạn giấy báo thuế cư trú (納税通知書) vào khoảng tháng 5 hoặc tháng 6, ghi rõ số tiền cần nộp và các kỳ hạn thanh toán.

Khi nào và làm thế nào để đóng Thuế cư trú?

Việc nộp Thuế cư trú thường bắt đầu từ tháng 6 hàng năm. Có hai phương thức chính để đóng loại thuế này:

  1. Nhận giấy báo và tự nộp (普通徴収):
    • Áp dụng chủ yếu cho những người không làm việc cố định cho một công ty (ví dụ: tự kinh doanh, làm thêm nhiều nơi không có hợp đồng lao động chính thức…).
    • Cơ quan thuế địa phương sẽ gửi giấy báo thuế cư trú trực tiếp đến nhà bạn.
    • Bạn mang giấy báo này ra ngân hàng, bưu điện, cửa hàng tiện lợi hoặc sử dụng các ứng dụng thanh toán trực tuyến để nộp tiền.
    • Thường được chia thành 4 kỳ nộp trong năm: cuối tháng 6, cuối tháng 8, cuối tháng 10 và cuối tháng 1 năm sau. Bạn cũng có thể chọn nộp toàn bộ số tiền một lần.
  2. Khấu trừ trực tiếp từ lương (特別徴収):
    • Đây là phương thức phổ biến nhất cho người làm công ăn lương chính thức tại các công ty.
    • Công ty của bạn sẽ nhận thông báo từ cơ quan thuế địa phương về số Thuế cư trú bạn cần đóng.
    • Công ty sẽ tự động trừ số tiền này từ lương hàng tháng của bạn (thường từ kỳ lương tháng 6 đến kỳ lương tháng 5 năm sau) và thay mặt bạn nộp cho cơ quan thuế. Bạn sẽ thấy khoản khấu trừ này trong bảng lương hàng tháng của mình.

Những điều cần đặc biệt lưu ý về Thuế cư trú

Về nước giữa năm hoặc chuyển đi nơi khác

Như đã nhấn mạnh ở trên, trách nhiệm thuế cư trú được xác định dựa trên việc bạn có phải là cư dân của địa phương đó vào ngày 1 tháng 1 hay không.

Nếu bạn về Việt Nam hoặc chuyển đến địa phương khác sau ngày 1 tháng 1, bạn vẫn có nghĩa vụ đóng toàn bộ số Thuế cư trú của năm đó cho địa phương nơi bạn cư trú vào ngày 1/1.

Hãy đảm bảo bạn hoàn thành đầy đủ thủ tục đóng thuế cư trú trước khi rời Nhật hoặc có sắp xếp rõ ràng.

Liên quan đến khai báo thuế thu nhập

Số tiền Thuế cư trú được tính dựa trên thông tin thu nhập của năm trước. Thông tin này đến từ bản khai báo thuế thu nhập cá nhân (確定申告) hoặc thủ tục quyết toán cuối năm (年末調整) mà công ty làm cho bạn. Do đó, việc khai báo thu nhập chính xác là cơ sở để Thuế cư trú được tính đúng.

Tóm tắt nhanh các điểm chính

Câu hỏi thường gặp (FAQs)

  1. Thuế thu nhập và thuế cư trú khác gì nhau?
    • Thuế thu nhập là thuế quốc gia dựa trên thu nhập năm hiện tại, thường tạm trừ hàng tháng. Thuế cư trú là thuế địa phương dựa trên thu nhập năm trước đó, bắt đầu nộp từ tháng 6 năm sau.
  2. Tôi vừa sang Nhật năm nay (ví dụ tháng 4/2024), năm sau (2025) tôi có phải đóng thuế cư trú không?
    • Có. Nếu bạn ở Nhật Bản vào ngày 1 tháng 1 năm 2025 và có thu nhập trong năm 2024, bạn sẽ phải đóng Thuế cư trú cho năm 2025 (dựa trên thu nhập năm 2024).
  3. Tôi về nước hẳn vào tháng 7, có phải đóng hết thuế cư trú cả năm không?
    • Có. Nếu bạn vẫn còn đăng ký cư trú tại Nhật vào ngày 1 tháng 1 của năm đó, bạn có nghĩa vụ đóng toàn bộ số Thuế cư trú của năm đó cho địa phương đó. Bạn cần đóng hết phần còn lại hoặc ủy thác người đại diện thuế tại Nhật để nộp thay.
  4. Có thể đóng thuế cư trú hàng tháng thay vì hàng quý hoặc trừ lương không?
    • Nếu công ty trừ lương (特別徴収), thì là hàng tháng. Nếu tự nộp (普通徴収), thông thường là 4 kỳ/năm. Một số địa phương có thể cho phép đóng hàng tháng nếu bạn làm thủ tục đặc biệt hoặc trong các trường hợp cụ thể, nhưng phổ biến nhất vẫn là 4 kỳ.
  5. Làm gì nếu không nhận được giấy báo thuế cư trú?
    • Nếu đã qua tháng 6 mà bạn chưa nhận được giấy báo thuế cư trú (áp dụng cho hình thức tự nộp) hoặc không thấy khoản khấu trừ trong bảng lương (áp dụng cho hình thức trừ lương), hãy liên hệ với công ty hoặc cơ quan thuế của thành phố/quận nơi bạn đăng ký cư trú để kiểm tra lại thông tin.

Kết luận

Hiểu rõ về Thuế cư trú là một phần thiết yếu trong cuộc sống tại Nhật Bản. Việc nắm vững cách thức hoạt động, đối tượng và thời gian nộp thuế không chỉ giúp bạn thực hiện đúng nghĩa vụ công dân mà còn tránh được những phiền phức không đáng có, đặc biệt khi có sự thay đổi về nơi ở hay dự định về nước.

Nếu bạn có bất kỳ thắc mắc nào khác liên quan đến Thuế cư trú hay các vấn đề thuế và thủ tục hành chính khác tại Nhật Bản, đừng ngần ngại liên hệ với đội ngũ tư vấn của HSB JAPAN để được hỗ trợ giải đáp chi tiết!

LIÊN HỆ NGAY

Thông tin liên hệ:

Trụ sở chính:
〒130-0026
東京都墨田区両国1-3-12 (925両国第2ビル)

Chi nhánh:
Phòng 602, Toàn nhà ASUVA, số 9A Thanh Liệt, Thanh Trì, Hà Nội.

Tel (Japan):(+81)3-5937-2465
Tel (Vietnam): (+84)24-6670-2797

LIÊN HỆ NGAY

“`

Dự luật hay đổi thời gian lấy Nenkin tối đa từ 5 năm thành 8 năm

Chủ đề về Nenkin (Lương hưu quốc dân) luôn nhận được sự quan tâm lớn, đặc biệt là các quy định liên quan đến việc rút tiền một lần khi về nước. Gần đây, có thông tin về một dự luật quan trọng có thể ảnh hưởng trực tiếp đến quyền lợi của nhiều người lao động nước ngoài tại Nhật, trong đó có cộng đồng người Việt chúng ta. Đó là đề xuất thay đổi thời gian tối đa để rút Nenkin một lần từ 5 năm lên 8 năm.

Thông tin này đang được bàn tán sôi nổi. Vậy thực hư ra sao? Dự luật này có ý nghĩa thế nào với bạn? Bài viết này sẽ cùng bạn làm rõ!

LIÊN HỆ NGAY

Nenkin Là Gì? Nhìn Lại Hệ Thống Hiện Tại

Trước khi đi sâu vào dự luật mới, chúng ta cùng nhắc lại đôi chút về Nenkin và quy định hiện hành.

Hệ Thống Nenkin Nhật Bản

Nenkin là hệ thống bảo hiểm hưu trí bắt buộc tại Nhật Bản. Hầu hết những người từ 20 đến 60 tuổi đang sinh sống tại Nhật đều có nghĩa vụ tham gia và đóng tiền hàng tháng. Khoản tiền này nhằm đảm bảo cuộc sống khi về già.

Quy Định Hiện Tại Về Rút Nenkin Một Lần

Đối với người nước ngoài không định cư lâu dài và có kế hoạch về nước, Nhật Bản có một chính sách gọi là “Trợ cấp thôi trả tiền bảo hiểm hưu trí” (脱退一時金 – Dattai Ichijikin). Đây là khoản tiền hoàn lại một phần dựa trên thời gian đóng Nenkin. Theo quy định hiện hành, bạn có thể nhận khoản tiền này nếu đã đóng Nenkin từ 6 tháng trở lên và chưa đủ điều kiện nhận lương hưu trọn đời. Khoản tiền hoàn lại này được tính dựa trên số tháng đã đóng, nhưng tối đa chỉ được tính cho 5 năm đóng Nenkin (60 tháng). Nghĩa là dù bạn có đóng 6 năm, 7 năm hay thậm chí 10 năm, số tiền hoàn lại tối đa cũng chỉ tương đương với 5 năm đóng.

Đề Xuất Mới: Tăng Thời Gian Nhận Nenkin Lên 8 Năm

Đây chính là điểm mấu chốt của thông tin gần đây.

Nội Dung Đề Xuất

Dự luật mới đang được thảo luận tại Quốc hội Nhật Bản đề xuất nâng thời gian tối đa được tính để rút Nenkin một lần từ 5 năm lên 8 năm. Nếu dự luật này được thông qua, những người nước ngoài có thời gian đóng Nenkin từ 5 năm đến dưới 8 năm khi về nước sẽ có cơ hội nhận lại khoản tiền lớn hơn so với quy định hiện tại.

Đối Tượng Bị Ảnh Hưởng

Đối tượng chính bị ảnh hưởng bởi đề xuất này là những người lao động nước ngoài (trong đó có người Việt) có thời gian sinh sống và làm việc tại Nhật Bản, đồng thời tham gia đóng Nenkin, với tổng thời gian đóng Nenkin nằm trong khoảng từ 5 năm đến dưới 8 năm. Nếu bạn ở dưới 5 năm, quy định hiện tại vẫn cho phép bạn rút theo số năm thực đóng (tối đa 5 năm). Nếu bạn ở từ 8 năm trở lên và không có kế hoạch ở lại Nhật đến tuổi nghỉ hưu, quy định hiện tại chỉ tính tối đa 5 năm, nhưng với đề xuất này, bạn sẽ được tính tối đa lên đến 8 năm.

Lý Do Đằng Sau Đề Xuất

Việc đề xuất thay đổi chính sách Nenkin này được cho là xuất phát từ thực tế ngày càng có nhiều người nước ngoài ở lại Nhật Bản làm việc trong thời gian dài hơn, vượt quá 5 năm. Việc giới hạn hoàn tiền tối đa ở 5 năm có thể khiến nhiều người cảm thấy không công bằng hoặc không khuyến khích họ ở lại đóng góp cho xã hội Nhật Bản lâu hơn. Đề xuất này nhằm mục đích điều chỉnh quy định rút Nenkin cho phù hợp hơn với tình hình thực tế, đồng thời có thể xem như một cách để thu hút và giữ chân lao động có kỹ năng ở lại Nhật lâu hơn.

Ý Nghĩa Của Đề Xuất Với Người Lao Động Việt Nam

Đề xuất tăng thời gian Nenkin lên 8 năm mang đến tin vui cho nhiều người lao động Việt Nam đang có kế hoạch làm việc lâu dài tại Nhật Bản, đặc biệt là những bạn dự định ở lại từ 5 đến 8 năm rồi mới về nước.

Nếu dự luật được thông qua, bạn có thể nhận lại một khoản tiền Nenkin đáng kể hơn khi về nước so với việc chỉ được tính tối đa 5 năm như hiện tại. Điều này giúp giảm bớt thiệt thòi cho những người đã đóng Nenkin một cách đầy đủ trong thời gian dài hơn.

Tuy nhiên, có một điều cực kỳ quan trọng cần lưu ý: Đây vẫn chỉ là dự luật và đang trong quá trình thảo luận, chưa phải là luật chính thức được ban hành và có hiệu lực. Do đó, chúng ta cần tiếp tục theo dõi sát sao các thông tin chính thống từ Chính phủ Nhật Bản và các nguồn đáng tin cậy.

Tóm Tắt Nhanh

LIÊN HỆ NGAY

Các Câu Hỏi Thường Gặp

  1. Khi nào dự luật tăng thời gian Nenkin lên 8 năm có hiệu lực?

    Dự luật này hiện vẫn đang trong quá trình thảo luận và chưa được thông qua chính thức. Vì vậy, chưa có thông báo cụ thể về thời điểm có hiệu lực. Chúng ta cần chờ đợi thông tin chính thức từ Chính phủ Nhật Bản.

  2. Nếu tôi đã đóng Nenkin được 6 năm và về nước trong năm nay, liệu tôi có được tính theo quy định 8 năm không?

    Theo quy định rút Nenkin hiện tại, bạn chỉ được tính tối đa 5 năm. Việc bạn có được tính theo quy định 8 năm hay không phụ thuộc vào việc dự luật này có được thông qua và có hiệu lực trước thời điểm bạn hoàn tất thủ tục rút Nenkin hay không. Nếu luật có hiệu lực sau khi bạn đã rút tiền theo quy định cũ thì sẽ không áp dụng cho trường hợp của bạn.

  3. Đề xuất này có thay đổi cách tính số tiền được hoàn lại không?

    Dự luật chủ yếu tập trung vào việc thay đổi thời gian tối đa được tính (từ 5 lên 8 năm). Cách tính chi tiết số tiền cho từng tháng đóng sau năm thứ 5 có thể sẽ được làm rõ khi dự luật tiến gần hơn đến việc được thông qua. Tuy nhiên, nguyên tắc chung vẫn là hoàn trả một phần dựa trên thời gian đóng Nenkin và mức lương trung bình.

  4. Tôi đã ở Nhật hơn 8 năm nhưng chưa về nước. Nếu luật 8 năm có hiệu lực, khi tôi về nước tôi sẽ được tính bao nhiêu năm?

    Nếu dự luật Nenkin 8 năm được thông qua và có hiệu lực, khi bạn về nước và làm thủ tục rút Nenkin một lần, bạn sẽ được tính tối đa 8 năm thời gian đóng Nenkin, miễn là bạn đã đóng đủ thời gian đó.

  5. Tôi nên làm gì để theo dõi thông tin chính xác về dự luật Nenkin 8 năm này?

    Bạn nên theo dõi các kênh thông tin chính thức từ cơ quan Bảo hiểm hưu trí Nhật Bản (Nenkin Net), Đại sứ quán/Lãnh sự quán Việt Nam tại Nhật, và các trang tin tức uy tín cập nhật về chính sách Nenkin dành cho người nước ngoài.

Kết Luận

Đề xuất tăng thời gian tính Nenkin tối đa để rút một lần từ 5 năm lên 8 năm là một thông tin rất đáng chú ý, mang lại kỳ vọng về quyền lợi tốt hơn cho những người lao động Việt Nam đã và đang có kế hoạch làm việc lâu dài tại Nhật Bản. Mặc dù đây vẫn chỉ là dự luật, chưa phải luật chính thức, việc nắm bắt thông tin kịp thời là rất quan trọng. Hãy cùng chờ đợi những thông tin cập nhật tiếp theo và chuẩn bị tốt nhất cho kế hoạch tài chính của bản thân.

Nếu bạn có bất kỳ câu hỏi nào về Nenkin hay các thủ tục liên quan tại Nhật Bản, đừng ngần ngại nhắn tin cho đội ngũ tư vấn của HSB JAPAN để được hỗ trợ và giải đáp nhé!

Thông tin liên hệ:

Trụ sở chính:

〒130-0026

東京都墨田区両国1-3-12 (925両国第2ビル)

Chi nhánh:

Phòng 602, Toàn nhà ASUVA, số 9A Thanh Liệt, Thanh Trì, Hà Nội.

Tel (Japan): (+81)3-5937-2465

Tel (Vietnam): (+84)24-6670-2797

“`

Cẩm nang Tokutei Gino : Quyền lợi của Visa Tokutei Gino tại Nhật Bản

Cẩm nang Tokutei Gino: Quyền lợi Visa cho người Việt tại Nhật

Chào bạn, những người con xa xứ đang làm việc và sinh sống tại đất nước mặt trời mọc! Chắc hẳn, Visa Tokutei Gino (hay còn gọi là Visa Kỹ năng đặc định) không còn quá xa lạ với cộng đồng người Việt tại Nhật Bản. Đây là loại thị thực được Chính phủ Nhật Bản ban hành nhằm giải quyết tình trạng thiếu hụt lao động ở nhiều ngành nghề, đồng thời mở ra những cơ hội mới hấp dẫn cho người lao động nước ngoài.

Nếu bạn đang tìm hiểu về Tokutei Gino, đặc biệt là những quyền lợi mà loại visa này mang lại, thì bài viết này chính là dành cho bạn. Chúng ta sẽ cùng đi sâu vào khám phá những ưu điểm vượt trội khi bạn nắm giữ trong tay tấm visa Tokutei Gino, từ thời gian lưu trú, mức lương, cơ hội phát triển bản thân cho đến khả năng bảo lãnh gia đình sang Nhật và con đường định cư lâu dài.

Tokutei Gino là gì? (Giới thiệu chung)

Trước khi tìm hiểu về các quyền lợi, hãy cùng điểm lại một chút về Tokutei Gino. Đây là tên gọi của chương trình Thị thực Kỹ năng đặc định tại Nhật Bản, được triển khai từ tháng 4 năm 2019. Chương trình này cho phép người lao động nước ngoài có trình độ kỹ năng và tiếng Nhật nhất định đến làm việc tại Nhật Bản trong các ngành nghề đang thiếu hụt.

Visa Tokutei Gino được chia làm 2 loại:

Hiểu rõ hai loại này sẽ giúp bạn hình dung rõ hơn về con đường phát triển và những quyền lợi tương ứng.

Những quyền lợi nổi bật của Visa Tokutei Gino Loại 1

Đối với nhiều người lao động Việt Nam, Tokutei Gino Loại 1 là bước tiến lý tưởng từ chương trình Thực tập sinh kỹ năng hoặc là lựa chọn nhập cảnh trực tiếp. Loại visa này mang đến nhiều ưu điểm đáng chú ý:

Thời gian lưu trú lâu hơn và ổn định

So với một số loại visa khác hoặc kết thúc chương trình thực tập sinh 3 năm, visa Tokutei Gino Loại 1 cho phép bạn lưu trú tối đa 5 năm tại Nhật Bản. Điều này tạo sự ổn định đáng kể cho cuộc sống và công việc của bạn, giúp bạn yên tâm làm việc và tích lũy kinh nghiệm, tài chính trong một khoảng thời gian dài.

Mức lương và chế độ đãi ngộ tốt hơn

Đây là một trong những quyền lợi được quan tâm hàng đầu. Khi có visa Tokutei Gino, bạn sẽ được hưởng mức lương và chế độ đãi ngộ tương đương hoặc cao hơn người lao động Nhật Bản có cùng trình độ kỹ năng và kinh nghiệm làm việc. Mức lương của Tokutei Gino được quy định rõ ràng và đảm bảo công bằng, không có sự phân biệt giữa lao động Nhật và lao động nước ngoài. Ngoài ra, bạn cũng được đóng đầy đủ các loại bảo hiểm xã hội, bảo hiểm y tế theo quy định của pháp luật Nhật Bản.

Được phép chuyển công ty (trong cùng ngành)

Một điểm khác biệt lớn và là quyền lợi hấp dẫn của visa Tokutei Gino so với chương trình thực tập sinh là bạn có thể chuyển công ty trong trường hợp có lý do chính đáng (ví dụ: công ty phá sản, điều kiện làm việc không phù hợp…) và tìm được công ty khác sẵn sàng tiếp nhận trong cùng lĩnh vực ngành nghề. Quyền này giúp bạn linh hoạt hơn trong công việc và tìm kiếm môi trường làm việc tốt hơn cho bản thân. Tuy nhiên, việc chuyển đổi cần tuân thủ các quy định và thủ tục nhất định.

Nhận được sự hỗ trợ từ công ty tiếp nhận

Các công ty tiếp nhận lao động Tokutei Gino có trách nhiệm cung cấp một kế hoạch hỗ trợ toàn diện cho người lao động nước ngoài. Kế hoạch này bao gồm nhiều khía cạnh như: hỗ trợ làm quen với cuộc sống sinh hoạt tại Nhật, giúp đỡ trong việc làm các thủ tục hành chính, hỗ trợ học tiếng Nhật, cung cấp thông tin khi cần thiết và có kênh tư vấn, giải đáp thắc mắc. Sự hỗ trợ này giúp bạn dễ dàng hòa nhập và ổn định cuộc sống ban đầu.

Con đường tiềm năng lên Visa Tokutei Gino Loại 2

Đối với một số ngành nghề, sau khi hoàn thành chương trình Tokutei Gino Loại 1 (thường là đủ 5 năm) và vượt qua kỳ thi đánh giá kỹ năng nâng cao cũng như trình độ tiếng Nhật cao hơn, bạn hoàn toàn có cơ hội chuyển đổi lên Visa Tokutei Gino Loại 2. Đây là một bước tiến quan trọng mở ra nhiều quyền lợi hấp dẫn hơn nữa.

Quyền lợi đặc biệt của Visa Tokutei Gino Loại 2

Nếu bạn thuộc nhóm ngành có Tokutei Gino Loại 2 và đủ điều kiện chuyển đổi, những quyền lợi bạn nhận được sẽ “đặc biệt” hơn rất nhiều:

Thời gian lưu trú Vĩnh trú

Không còn giới hạn 5 năm như Loại 1, visa Tokutei Gino Loại 2 cho phép bạn gia hạn visa vô thời hạn. Điều này đồng nghĩa với việc bạn có thể sinh sống và làm việc lâu dài tại Nhật Bản mà không cần lo lắng về việc phải về nước. Đây là bước đệm vững chắc tiến tới khả năng xin Thị thực Vĩnh trú (Permanent Resident).

Được bảo lãnh gia đình sang Nhật

Đây là quyền lợi lớn nhất và ý nghĩa nhất của Visa Tokutei Gino Loại 2. Bạn có thể bảo lãnh vợ/chồng và con cái của mình sang Nhật Bản cùng sinh sống. Điều này giúp bạn xây dựng tổ ấm tại Nhật và không còn phải xa cách những người thân yêu.

Cơ hội định cư lâu dài tại Nhật

Với khả năng gia hạn visa không giới hạn và được bảo lãnh gia đình Tokutei Gino, con đường xin Thị thực Vĩnh trú của bạn sẽ rộng mở hơn rất nhiều. Nếu đáp ứng đủ các điều kiện về thời gian lưu trú, thu nhập, tuân thủ pháp luật…, bạn hoàn toàn có thể nộp đơn xin Vĩnh trú và chính thức định cư lâu dài tại đất nước Nhật Bản.

So sánh nhanh: Tokutei Gino và Thực tập sinh kỹ năng

Để bạn dễ hình dung, đây là một số điểm khác biệt chính về quyền lợi giữa Visa Tokutei Gino và chương trình Thực tập sinh kỹ năng:

Tiêu chí Thực tập sinh kỹ năng Visa Tokutei Gino Loại 1 Visa Tokutei Gino Loại 2
Thời gian lưu trú Tối đa 3-5 năm Tối đa 5 năm Vô thời hạn
Mức lương/Chế độ Thường theo quy định TTS Tương đương/Cao hơn người Nhật Tương đương/Cao hơn người Nhật
Chuyển công ty Rất khó, gần như không được Được phép (trong cùng ngành) Được phép (trong cùng ngành)
Bảo lãnh gia đình Không được Không được Được phép
Cơ hội định cư Không Tiềm năng lên Loại 2 Rất cao
Hỗ trợ Từ nghiệp đoàn/công ty Bắt buộc có kế hoạch hỗ trợ Bắt buộc có kế hoạch hỗ trợ

Sự khác biệt này cho thấy visa kỹ năng đặc định mang lại sự ổn định, quyền lợi tốt hơn và con đường phát triển rõ ràng hơn cho người lao động.

Điều kiện để nhận những quyền lợi này

Để hưởng những quyền lợi tuyệt vời của Tokutei Gino, bạn cần đáp ứng một số điều kiện cơ bản do Chính phủ Nhật Bản quy định:

Tóm tắt nhanh các điểm chính

Kết luận

Visa Tokutei Gino thực sự là một chương trình hấp dẫn, mở ra nhiều cánh cửa cho người lao động Việt Nam mong muốn làm việc và phát triển sự nghiệp lâu dài tại Nhật Bản. Từ sự ổn định về thời gian lưu trú, mức lương cạnh tranh, cơ hội chuyển công ty Tokutei Gino, đến khả năng bảo lãnh gia đình sang Nhật và cơ hội định cư với Tokutei Gino Loại 2, những quyền lợi này tạo nên một tương lai đầy hứa hẹn.

Nếu bạn đã đủ điều kiện hoặc đang trên đường hoàn thành các yêu cầu để chuyển đổi hoặc xin visa Tokutei Gino, hãy tự tin nắm bắt cơ hội này. Đây không chỉ là một công việc, mà còn là một con đường để bạn phát triển bản thân và xây dựng cuộc sống tốt đẹp tại Nhật Bản.

Các câu hỏi thường gặp (FAQs)

  1. Tôi đang là thực tập sinh, làm sao để chuyển sang visa Tokutei Gino?Để từ thực tập sinh lên Tokutei Gino, bạn cần hoàn thành chương trình thực tập sinh (thường là 3 năm), có đầy đủ hồ sơ và giấy tờ chứng nhận. Sau đó, bạn cần đỗ kỳ thi kỹ năng chuyên môn của ngành nghề bạn muốn chuyển sang và đỗ kỳ thi năng lực tiếng Nhật cấp độ N4 hoặc tương đương (đối với Tokutei Gino Loại 1). Nếu bạn đã đỗ kỳ thi chuyển giai đoạn 3 hoặc hoàn thành đủ 3 năm thực tập sinh, bạn có thể được miễn một số bài kiểm tra.
  2. Visa Tokutei Gino có được về nước thăm gia đình không?Có. Khi bạn có visa Tokutei Gino và đang làm việc hợp pháp tại Nhật Bản, bạn hoàn toàn có quyền xin giấy phép tái nhập cảnh (Re-entry Permit) để về thăm gia đình tại Việt Nam và quay trở lại Nhật Bản làm việc theo quy định.
  3. Mức lương của Tokutei Gino có cố định không hay phụ thuộc ngành nghề?Mức lương Tokutei Gino không cố định chung cho tất cả mà phụ thuộc vào ngành nghề, kinh nghiệm và vị trí làm việc cụ thể của bạn, tương tự như cách trả lương cho người lao động Nhật Bản. Tuy nhiên, mức lương này được quy định phải bằng hoặc cao hơn mức lương của người Nhật có cùng trình độ làm việc, đảm bảo tính công bằng.
  4. Em có cần bằng cấp tiếng Nhật cao để được visa Tokutei Gino không?Đối với Tokutei Gino Loại 1, yêu cầu về tiếng Nhật thường là đỗ kỳ thi Năng lực tiếng Nhật JLPT cấp độ N4 hoặc vượt qua kỳ thi đánh giá tiếng Nhật của Quỹ Giao lưu Quốc tế Nhật Bản (Japan Foundation Test for Basic Japanese – JFT-Basic). Đối với Tokutei Gino Loại 2, yêu cầu sẽ cao hơn, thường là JLPT N3 hoặc cao hơn tùy ngành.
  5. Sau 5 năm visa Tokutei Gino Loại 1, nếu không lên được Loại 2 thì sao?Nếu sau 5 năm với visa Tokutei Gino Loại 1, bạn không đáp ứng đủ điều kiện để chuyển đổi sang Loại 2 hoặc một loại visa khác (như visa kỹ sư, visa kinh doanh…), bạn sẽ cần rời khỏi Nhật Bản khi visa hết hạn. Tuy nhiên, việc có 5 năm kinh nghiệm làm việc hợp pháp tại Nhật với visa này sẽ mở ra nhiều cơ hội khác cho tương lai của bạn.

Nếu bạn có bất kỳ thắc mắc nào về visa Tokutei Gino, các điều kiện chuyển đổi hay muốn tìm hiểu thêm về cơ hội việc làm tại Nhật Bản, đừng ngần ngại liên hệ với đội ngũ tư vấn giàu kinh nghiệm của HSB JAPAN. Chúng tôi luôn sẵn sàng hỗ trợ bạn trên con đường chinh phục giấc mơ Nhật Bản!

Thông tin liên hệ:

Trụ sở chính: 〒130-0026 東京都墨田区両国1-3-12 (925両国第2ビル)

Chi nhánh: Phòng 602, Toàn nhà ASUVA, số 9A Thanh Liệt, Thanh Trì, Hà Nội.

Tel (Japan): (+81)3-5937-2465

Tel (Vietnam): (+84)24-6670-2797

LIÊN HỆ NGAY

 

So sánh Visa Tokutei Gino và Visa Thực tập sinh tại Nhật

So Sánh Visa Thực Tập Sinh và Tokutei Gino tại Nhật Bản

Visa Thực Tập Sinh Nhật Bản Là Gì?

Chương trình Thực tập sinh kỹ năng tại Nhật Bản (技能実習制度 – Ginou Jisshuu Seido) được ra đời với mục đích chính là chuyển giao kỹ thuật, công nghệ và kiến thức tiên tiến của Nhật Bản cho các nước đang phát triển, trong đó có Việt Nam. Chương trình này không chỉ đơn thuần là đi làm kiếm tiền mà còn là cơ hội để người lao động học hỏi, nâng cao tay nghề và kinh nghiệm làm việc.

Mục đích chương trình Thực tập sinh

Mục đích chính không phải là giải quyết vấn đề thiếu hụt lao động cho Nhật Bản (mặc dù trên thực tế có vai trò này), mà là đào tạo và bồi dưỡng nguồn nhân lực cho đất nước của thực tập sinh sau khi họ về nước.

Thời gian lưu trú

Thời gian lưu trú phổ biến của chương trình Thực tập sinh kỹ năng là 3 năm. Tuy nhiên, đối với một số ngành nghề hoặc trường hợp đặc biệt, thời gian có thể kéo dài lên đến 5 năm.

Ngành nghề phổ biến

Chương trình Thực tập sinh bao gồm nhiều ngành nghề khác nhau như nông nghiệp, ngư nghiệp, chế biến thực phẩm, dệt may, cơ khí, xây dựng, điều dưỡng…

Quyền lợi cơ bản

Thực tập sinh được hưởng mức lương theo luật lao động Nhật Bản (thường tính theo giờ hoặc theo tháng), được tham gia các loại bảo hiểm bắt buộc (y tế, hưu trí, thất nghiệp), và có nơi ở do công ty tiếp nhận sắp xếp (thường là ký túc xá). Tuy nhiên, mức lương và điều kiện làm việc có thể khác nhau tùy thuộc vào ngành nghề và công ty.

Visa Tokutei Gino (Kỹ Năng Đặc Định) Là Gì?

Visa Kỹ năng đặc định (特定技能 – Tokutei Gino) là một loại visa mới được chính phủ Nhật Bản đưa ra từ tháng 4 năm 2019. Mục đích chính của loại visa này là giải quyết tình trạng thiếu hụt lao động trầm trọng trong 14 ngành nghề cụ thể tại Nhật Bản.

Mục đích chương trình Tokutei Gino

Nhằm thu hút lao động nước ngoài có trình độ kỹ năng và kinh nghiệm nhất định vào làm việc trong các ngành nghề mà Nhật Bản đang cần. Đây được xem là một giải pháp để duy trì và phát triển nền kinh tế trong bối cảnh dân số già hóa và thiếu hụt lao động.

Loại hình Tokutei Gino

Thời gian lưu trú

Đối với Tokutei Gino số 1, thời gian lưu trú là 5 năm và không được gia hạn thêm. Đối với Tokutei Gino số 2, thời gian lưu trú không giới hạn và có thể dẫn đến việc xin thị thực vĩnh trú. Thời hạn visa Tokutei Gino là một điểm khác biệt lớn so với Thực tập sinh.

Ngành nghề Tokutei Gino

Ban đầu có 14 ngành nghề được áp dụng cho Tokutei Gino số 1, sau đó mở rộng lên 12 ngành (kết hợp một số ngành). Các ngành phổ biến bao gồm: Chăm sóc điều dưỡng, Vệ sinh tòa nhà, Chế tạo vật liệu, Chế biến công nghiệp, Cơ khí điện tử, Xây dựng, Đóng tàu, Sửa chữa ô tô, Hàng không, Nông nghiệp, Ngư nghiệp, Chế biến thực phẩm, Dịch vụ nhà hàng. Đây là ngành nghề cho visa Tokutei Gino số 1 mà nhiều người quan tâm.

Điều kiện tham gia

Để tham gia chương trình Tokutei Gino, người lao động cần đáp ứng các điều kiện về kinh nghiệm làm việc (đã hoàn thành chương trình Thực tập sinh 3 năm hoặc thi đỗ kỳ thi đánh giá kỹ năng chuyên ngành) và trình độ tiếng Nhật (thường yêu cầu trình độ N4 trở lên hoặc đỗ kỳ thi tiếng Nhật riêng dành cho Tokutei Gino).

So Sánh Chi Tiết: Thực Tập Sinh vs Tokutei Gino

Để giúp bạn hình dung rõ hơn, dưới đây là bảng so sánh visa Tokutei Gino và Thực tập sinh dựa trên các tiêu chí quan trọng:

Tiêu Chí Thực Tập Sinh Kỹ Năng Kỹ Năng Đặc Định (Tokutei Gino) Số 1 Kỹ Năng Đặc Định (Tokutei Gino) Số 2 (chỉ vài ngành)
Mục đích Chuyển giao kỹ thuật, đào tạo nhân lực cho nước ngoài Giải quyết thiếu hụt lao động Nhật Bản Giải quyết thiếu hụt lao động, hướng tới định cư
Thời gian lưu trú Tối đa 3-5 năm, không được gia hạn Tối đa 5 năm, không được gia hạn tại Nhật Có thể gia hạn nhiều lần, gần vĩnh trú
Điều kiện tham gia Không yêu cầu kinh nghiệm, tiếng Nhật cơ bản Cần kinh nghiệm (TTS 3 năm) HOẶC thi đỗ kỳ thi KN/NN Cần kỹ năng cao (đỗ kỳ thi cấp cao)
Quyền lợi & Lương Theo luật lao động, thường thấp hơn lao động Nhật Theo luật lao động, tương đương hoặc cao hơn TTS Như lao động Nhật, mức lương tốt hơn
Bảo lãnh gia đình Không Không Có
Cơ hội chuyển đổi Khó chuyển sang visa khác trực tiếp (thường về nước) Có thể chuyển sang Tokutei Gino số 2 (với điều kiện) Có cơ hội xin visa Vĩnh Trú
Cơ hội định cư Hầu như không có Không Có

Điểm khác biệt giữa Tokutei Gino và Thực tập sinh thể hiện rõ nhất ở mục đích, thời gian lưu trú, và đặc biệt là khả năng bảo lãnh gia đình và cơ hội định cư lâu dài. So sánh lương Thực tập sinh và Tokutei Gino cũng cho thấy visa Tokutei Gino thường có mức lương tốt hơn do yêu cầu về kỹ năng cao hơn.

Ai Phù Hợp Với Chương Trình Nào?

Lợi ích của visa Tokutei Gino nằm ở thời gian lưu trú lâu dài, mức lương cạnh tranh và đặc biệt là khả năng bảo lãnh người thân (với visa số 2) và cơ hội định cư.

Tóm Tắt Nhanh

Kết Luận

Cả hai chương trình Thực tập sinh Nhật Bản và Kỹ năng đặc định (Tokutei Gino) đều mang lại cơ hội quý báu để làm việc và trải nghiệm cuộc sống tại Nhật Bản cho người lao động Việt Nam. Việc hiểu rõ sự khác biệt giữa hai loại thị thực này là rất quan trọng để bạn có thể đưa ra quyết định đúng đắn, phù hợp với khả năng và mục tiêu tương lai của mình.

Câu Hỏi Thường Gặp (FAQs)

Thực tập sinh sau khi về nước có quay lại Nhật theo visa Tokutei Gino được không?

Có. Đây là con đường phổ biến nhất. Sau khi hoàn thành chương trình Thực tập sinh 3 năm và về nước, bạn có thể quay lại Nhật theo visa Tokutei Gino nếu thi đỗ kỳ thi đánh giá kỹ năng chuyên ngành và tiếng Nhật.

Điều kiện tiếng Nhật để chuyển từ Thực tập sinh sang Tokutei Gino là gì?

Thông thường, bạn cần đạt trình độ N4 tiếng Nhật trở lên (hoặc đỗ kỳ thi tiếng Nhật cơ bản dành cho Tokutei Gino – JFT-Basic). Nếu đã hoàn thành 3 năm Thực tập sinh, bạn có thể được miễn bài thi năng lực tiếng Nhật, chỉ cần thi bài thi kỹ năng chuyên ngành. Học tiếng Nhật cho Thực tập sinh là sự chuẩn bị tốt nếu bạn muốn chuyển đổi visa.

Visa Tokutei Gino có những ngành nghề nào dễ đi nhất?

Độ “dễ” hay “khó” phụ thuộc vào năng lực và kinh nghiệm của bạn. Tuy nhiên, các ngành như Chế biến thực phẩm, Nông nghiệp, Điều dưỡng thường có nhu cầu cao và các kỳ thi kỹ năng có thể dễ tiếp cận hơn với người đã có kinh nghiệm Thực tập sinh. Đây là những ngành nghề cho visa Tokutei Gino số 1 mà nhiều người lựa chọn.

Mức lương trung bình của Tokutei Gino có cao hơn Thực tập sinh không?

Thông thường, mức lương visa Tokutei Gino được quy định tương đương hoặc cao hơn mức lương của người Nhật cùng trình độ và công việc, và thường cao hơn mức lương của Thực tập sinh cùng ngành. Tuy nhiên, mức lương cụ thể còn phụ thuộc vào công ty và vùng làm việc.

Nếu đang là Thực tập sinh, tôi cần chuẩn bị những gì để chuyển sang Tokutei Gino?

Bạn cần tích lũy đủ kinh nghiệm làm việc 3 năm theo chương trình Thực tập sinh, trau dồi kiến thức và kỹ năng chuyên ngành của mình, và luyện thi tiếng Nhật (nếu chưa đạt N4 và không được miễn). Việc thi chuyển đổi visa Tokutei Gino đòi hỏi sự chuẩn bị kỹ lưỡng cả về lý thuyết và thực hành.

Nếu bạn có bất kỳ câu hỏi nào khác về visa Thực tập sinh Nhật Bản hoặc visa Tokutei Gino, đừng ngần ngại nhắn tin cho đội ngũ tư vấn của HSB JAPAN. Chúng tôi luôn sẵn sàng hỗ trợ bạn.

Thông tin liên hệ:

Trụ sở chính:
〒130-0026
東京都墨田区両国1-3-12 (925両国第2ビル)

Chi nhánh tại Việt Nam:
Phòng 602, Toàn nhà ASUVA, số 9A Thanh Liệt, Thanh Trì, Hà Nội.

Tel (Japan): (+81)3-5937-2465
Tel (Vietnam): (+84)24-6670-2797

LIÊN HỆ NGAY

“`

Japan Resident Tax: What Happens If You Don’t Pay?

Japan Resident Tax: Don’t Pay? Consequences & Resident Tax Exemption

Navigating taxes in a foreign country can feel daunting, especially as an expat worker in Japan. Among the various obligations, the local Resident Tax (住民税 – Juminzei) often brings questions. It’s different from national income tax and is based on your income from the previous year. But what exactly happens if you find yourself unable to pay, or simply forget? Are there ways to get a resident tax exemption? Let’s break down the potential consequences and explore avenues for relief to help you stay compliant and stress-free in Japan.

What is Japan Resident Tax (Juminzei)?

Think of Juminzei as your contribution to the local services in the municipality where you live. This includes things like schools, infrastructure, welfare services, and more. Unlike national income tax, which is calculated and paid on your income from *this* year, resident tax is calculated based on your total income from the *previous* calendar year (January 1st to December 31st). Everyone legally residing in Japan as of January 1st of a given year is generally subject to resident tax for that year, based on their previous year’s earnings, regardless of their nationality or visa status.

 

How is Resident Tax Calculated?

Resident tax consists of two main parts: an income-based portion (所得割 – shotokuwari) and a per-capita portion (均等割 – kintowari). The income-based portion is typically 6% levied by the prefectural government and 4% by the municipal government (a total of 10% on your taxable income after deductions). The per-capita portion is a fixed amount, usually around ¥5,000 – ¥6,000 per year, varying slightly by municipality. Your municipality sends you a tax notice (納税通知書 – nozei tsūchisho) in June detailing the amount owed and payment deadlines.

The Consequences of Not Paying Your Resident Tax

Ignoring tax obligations in any country comes with risks, and Japan is no exception. The consequences for not paying resident tax Japan are designed to escalate, encouraging prompt payment. It’s crucial not to simply ignore the notices you receive.

Initial Notices and Warnings

If you miss a payment deadline (often quarterly or in a lump sum), you’ll first receive reminder notices (督促状 – tokusokujō) from your municipal tax office. These aren’t just gentle nudges; they are formal warnings that indicate you are in arrears and outline the original amount due plus potential late fees.

Late Payment Penalties (Delinquent Tax)

Along with reminder notices, you will start incurring a late payment penalty (延滞金 – entaikin), sometimes referred to as delinquent tax. The exact percentage varies by municipality and the duration of the delay. Initially, the rate is lower (e.g., around 2.4% per year for the first month or so), but it increases significantly for longer periods of non-payment (e.g., up to 8.7% per year). These penalties are calculated daily, so the longer you wait, the more you owe on top of the original tax amount.

Interest Charges (Late Payment Interest)

Separate from or combined with the late payment penalty depending on the specific rules, interest charges apply. This further increases the total amount you owe. The rates are determined based on official interest rates and fluctuate slightly year to year. Again, the longer the debt remains unpaid, the more interest accrues.

Property Seizure and Bank Account Freezing

This is where things become very serious. If you continue to ignore notices and fail to pay, the municipal tax office has the legal authority to initiate compulsory collection procedures. This can include:

This process doesn’t happen overnight, but once initiated, it can be swift and impactful. They don’t need a court order; the tax office’s delinquency notice holds the legal power to seize assets.

Impact on Your Visa/Residency

While not paying resident tax doesn’t *automatically* revoke your visa, it can have serious implications, especially for longer-term residency or visa renewals. Immigration authorities consider whether you have fulfilled your tax obligations as part of their assessment. Having outstanding tax debts can be a significant negative factor when applying for visa extensions, changes of status, or permanent residency. A history of visa status and Japan tax non-compliance signals a potential lack of adherence to Japanese laws and regulations.

Can You Get a Resident Tax Exemption?

Yes, under specific circumstances, you might be eligible for a resident tax exemption. It’s important to understand that this isn’t automatic; you usually need to meet certain criteria based on your income from the *previous* year or your status.

 

 

Eligibility Criteria

The most common criteria for a resident tax exemption are related to low income. If your total income (specifically, your total income amount, 合計所得金額 – gokei shotoku kingaku) in the previous year was below a certain threshold, you might be exempt from either or both the income-based and per-capita portions.

Remember, eligibility is based on *last year’s* income, not your current income situation. If you arrived in Japan mid-year and had little or no income *in Japan* the previous year, you might automatically be exempt from the income-based portion for your first full tax year, but potentially still owe the per-capita portion.

Process for Applying

If you believe you qualify for a resident tax exemption based on low income or another reason, you typically don’t “apply” in the same way you might apply for a benefit. Your eligibility is usually determined when your municipality calculates your tax based on your previous year’s tax filing (or lack thereof, which still informs them of your income). However, if you receive a tax notice and believe it’s incorrect or you should be exempt due to a specific situation not captured by standard filing, you should contact your municipal tax office immediately to inquire. Sometimes, filing a municipal resident tax declaration (住民税申告 – juminzei shinkoku) is necessary, even if you didn’t file a national tax return, to claim dependents or declare income/lack thereof for exemption purposes.

Resident Tax When Leaving Japan

A common situation for expats is dealing with leaving Japan and resident tax. Since resident tax is based on the previous year’s income but paid starting in June of the current year, you will owe resident tax for the year you leave, based on your income from the year *before* you left. For example, if you leave in July 2024, you will still owe resident tax for the tax year 2024 (covering Jan 1 – Dec 31, 2024), which is calculated on your income from 2023.

What to Do If You’re Struggling to Pay

If you receive a resident tax bill and know you cannot pay it on time, the *worst* thing you can do is ignore it. Proactive communication is key.

Remember, even if you can’t pay the full amount, paying a portion or arranging a plan is far better than paying nothing and facing escalating penalties and potential asset seizure.

Need Help with Japan Taxes? Contact Us!

Quick Takeaways

Frequently Asked Questions (FAQs)

Q1: Who exactly has to pay Juminzei in Japan?
A1: Generally, anyone registered as a resident in Japan as of January 1st of a given year is liable for resident tax for that year, based on their income from the previous calendar year. This includes foreign residents and expat workers. Even if you move to Japan later in the year, your liability for the *next* year’s tax will be based on the income earned *in Japan* during the year you arrived.
Q2: What’s the typical Juminzei payment deadline?
A2: Resident tax notices are usually sent out around June 1st each year. Payments are typically due in four installments (June, August, October, January of the next year), but you often have the option to pay the full amount by the June deadline. Check your specific tax notice for the exact Juminzei payment deadline as dates can vary slightly.
Q3: Can my visa be affected if I don’t pay resident tax?
A3: Yes, outstanding tax debts can negatively impact your visa status. Immigration authorities consider whether you have fulfilled your tax obligations as part of visa extension, change of status, or permanent residency applications. While not paying might not lead to immediate deportation, it can be a significant hurdle for maintaining or changing your visa status long-term. Learn more about visa status and Japan tax compliance.
Q4: How do I know if I qualify for a resident tax exemption?
A4: Eligibility for a resident tax exemption eligibility is primarily based on having low income in the *previous* year. The specific income threshold varies by municipality and your personal situation (e.g., dependents). Your municipality will assess this based on your tax filings. If you receive a tax notice but believe you should be exempt, contact your local tax office to inquire about the specific resident tax exemption requirements Japan for your area.
Q5: What happens if I leave Japan owing resident tax?
A5: If you leave Japan after January 1st, you are liable for that year’s resident tax (based on the previous year’s income). You are required to appoint a tax agent (納税管理人) who resides in Japan to handle your tax payments and correspondence after you leave. Failure to do so can result in difficulties like collection efforts contacting you overseas or impacting future attempts to enter Japan. It’s crucial to address your leaving Japan and resident tax obligations properly.

Conclusion

Understanding your Japan Resident Tax obligations is essential for a smooth life as an expat. While the idea of non-payment might cross your mind if finances are tight, the potential consequences – from escalating penalties to impacting your visa and assets – are significant. However, remember that options like a resident tax exemption or payment plans exist if you meet the criteria or communicate proactively with your municipal tax office. Don’t let tax worries linger. Take informed action, explore your options, and seek professional guidance if your situation is complex.

Get a Free Tax Consultation for Expats

References

Note: Tax laws are subject to change. Consult official sources or a qualified tax professional for advice specific to your situation.

“`

A Basic Guide to Resident Tax in Japan (Juminzei)

Juminzei: Guide to Japanese Resident Tax for Expats

Navigating taxes in a new country can feel like deciphering a complex code. You’ve likely heard of income tax, but there’s another important one you’ll encounter: the Juminzei, or Japanese Resident Tax.

Unlike national income tax (which you might pay via withholding every month), the resident tax is a local tax. It’s calculated based on your previous year’s income and helps fund services in the city or ward where you live as of January 1st. For many expats, the first time you truly notice it is when you receive a notification slip or see a larger deduction starting in June.

Feeling a bit lost? You’re not alone! This guide is designed specifically for expat workers like you. We’ll break down what Juminzei is, who pays it, how it’s calculated, and most importantly, how and when you need to pay. By the end, you should have a much clearer picture of this essential aspect of living and working in Japan.

Understanding Juminzei: The Basics

The Japanese Resident Tax (Juminzei) isn’t just one tax; it’s actually a combination of two prefectural and municipal taxes levied by your local government. Think of it as your contribution to the public services right in your neighborhood and prefecture – from schools and infrastructure to welfare services.

Two Components: Prefectural and Municipal Tax

When you look at your tax statement or pay slip, you’ll see the total Juminzei amount. This sum is divided between the prefecture you live in (e.g., Tokyo-to, Osaka-fu) and the municipality (city, ward, town, or village) within that prefecture. The split is typically 40% for the prefecture and 60% for the municipality, though this can vary slightly by location.

The “Per Capita” and “Income-Based” Levy

Juminzei has two parts:

  • Per Capita Levy (均等割 – Kintowari): A fixed rate that everyone residing in the municipality as of January 1st pays, regardless of income (though low-income earners may be exempt). This is usually a small, fixed amount per year (e.g., ¥5,000 – ¥6,000 total).
  • Income-Based Levy (所得割 – Shotokuwari): This is the larger portion and is calculated based on your income from the previous year. It’s a percentage of your taxable income after deductions.

Most of the Juminzei you pay comes from the income-based levy, making it crucial to understand how your income from the prior year impacts your current tax bill.

Who Pays Juminzei in Japan?

This is a key question for expats. The rule is simple but often leads to confusion:

Residence Status and Tax Liability

You are generally liable for Juminzei if you are registered as a resident in a municipality in Japan as of January 1st of the current year.

The January 1st Rule

Here’s why the January 1st date is critical: Your Juminzei liability for the current year (e.g., 2024) is determined by where you were living and registered on January 1st, 2024. The tax amount itself is then based on your income earned throughout the previous year (2023).

This means if you arrived in Japan in, say, March 2023, you likely had little or no income in Japan during 2023. As of January 1st, 2024, you were a resident. So, in June 2024, you’ll receive a Juminzei bill based on your minimal income from 2023. However, come June 2025, your bill will be based on your full income from 2024, which will be significantly higher. This sudden jump in the second year’s Juminzei is a common surprise for expats!

How Juminzei is Calculated

As mentioned, the bulk of your Juminzei bill comes from the income-based levy, which is calculated based on your earnings from the previous calendar year (January 1st to December 31st).

Based on Your Previous Year’s Income

Your employer reports your annual income to your local municipality after the year ends. If you have other income sources (like freelance work, rentals, etc.), you might need to file a separate tax declaration (Kakutei Shinkoku) by March 15th to report everything accurately. This ensures the municipality has the correct income figure to calculate your Juminzei.

The Calculation Formula (Simplified)

The income-based levy is typically calculated as a flat percentage of your “taxable income.”

Taxable Income = Total Income (from previous year) – Income Deductions

Common income deductions include basic deductions, employment income deductions, spousal deductions, dependent deductions, social insurance contributions, medical expense deductions, etc. These are similar to those for national income tax.

The standard tax rate for the income-based levy is usually around 10% (6% for municipal tax, 4% for prefectural tax), although this can vary slightly by municipality and prefecture.

Deductions and Allowances

Just like with national income tax, various deductions can reduce your taxable income, thereby lowering your Juminzei bill. Make sure your employer is aware of your dependents, insurance payments, etc., or include them if you file a tax declaration.

Unique Insight: Many expats are surprised that their first Juminzei bill is often quite low. This is because it’s based on their income in the year they arrived, which might only be a few months’ worth of salary. The shock comes in the second year when the bill is based on a full 12 months of higher income. Budgeting for this increase is crucial!

How and When to Pay Juminzei

There are two primary methods for paying your Japanese Resident Tax, usually determined by your employer or your filing status.

Method 1: Special Collection (特別徴収 – Tokubetsu Choshu)

If you are a company employee, your employer will likely handle your Juminzei payment through “Special Collection.” This means your Juminzei is automatically deducted from your monthly salary, similar to how income tax is withheld.

The annual Juminzei amount calculated by the municipality is divided into 12 installments, which are deducted from your salary from June of the current year until May of the following year. This is the most common and convenient method for employed expats.

Method 2: Regular Collection (普通徴収 – Futsu Choshu)

If you are self-employed, retired, or if your employer doesn’t use special collection, you will pay through “Regular Collection.” In this case, your municipality will send you a Juminzei notification slip (or multiple slips) in June.

The total annual amount is typically divided into four installments, payable by specific deadlines:

  • End of June
  • End of August
  • End of October
  • End of January (of the following year)

You can use the payment slips to pay at banks, post offices, convenience stores, or via online banking/payment apps in some municipalities.

Pro-Tip: Don’t ignore the Juminzei notification! Missing deadlines can result in delinquency charges.

Got questions about payment methods? Check our FAQs!

Resident Tax vs. Income Tax: What’s the Difference?

It’s easy to get confused between these two taxes, but they serve different purposes and are handled differently.

Key Distinctions

  • Levying Authority: Income tax (Shotokuzei) is a national tax collected by the National Tax Agency. Juminzei is a local tax collected by your municipal and prefectural governments.
  • Calculation Basis: Both are based on income, but national income tax is calculated on your current year’s income and often paid via monthly withholding, with a potential year-end adjustment or tax filing. Juminzei is calculated on your previous year’s income and paid in the current year.
  • Payment Timing: Income tax is usually withheld monthly or paid in one go via filing. Juminzei is typically paid in 12 monthly installments (special collection) or 4 quarterly installments (regular collection) from June to May of the following year.

While they are different taxes, the income information you report for national income tax filing (Kakutei Shinkoku) is automatically shared with your local municipality, which is then used to calculate your Juminzei bill. If you file income tax correctly, you usually don’t need a separate filing just for Juminzei.

Leaving Japan? Don’t Forget Your Juminzei!

If you plan to leave Japan permanently or for an extended period (usually meaning you cease to be a tax resident), your Juminzei obligations don’t necessarily end the moment you leave.

Tax Agent Requirement

If you leave Japan before paying all your Juminzei installments for the year (especially if you pay via Regular Collection), you are required to appoint a Tax Agent (納税管理人 – Nozei Kanrinin). This person (who must be a resident in Japan) will receive your tax notices and pay your taxes on your behalf.

Paying Before You Leave

Alternatively, depending on your municipality, you may be able to pay all outstanding Juminzei installments before your departure date. Check with your local city or ward office well in advance of your planned departure to understand their specific procedures.

Ignoring outstanding taxes can lead to issues, so it’s best to settle everything or appoint an agent before you depart.

Navigating Juminzei as an Expat

Dealing with taxes in a foreign language can be intimidating, but help is available.

Dealing with Language Barriers

Tax forms and notices are often only in Japanese. Don’t hesitate to seek assistance. Many city and ward offices have support desks or interpreters available, especially during peak tax season (Feb-Mar for income tax, May-June for Juminzei notices).

Where to Find Help (City Hall, Tax Advisors)

  • Local City/Ward Office: This is your primary point of contact for Juminzei issues. They handle the calculation and collection. Bring your notification slip (if you have one) and identification.
  • National Tax Agency (NTA) Offices: While primarily for national income tax, they can sometimes offer general tax advice.
  • Professional Tax Advisors (Zeirishi): For complex situations, especially involving different income types, deductions, or international tax implications, consulting a qualified, English-speaking tax advisor (Zeirishi) is highly recommended. While there’s a fee, their expertise can save you stress and potential errors.

Quick Takeaways

  • Juminzei is a local tax (prefectural + municipal) in Japan.
  • It’s based on your income from the previous calendar year.
  • Your liability is determined by being a resident on January 1st.
  • It has two parts: a small fixed “Per Capita” levy and a larger “Income-Based” levy (around 10%).
  • Payment methods: Salary deduction (Special Collection) or payment slips (Regular Collection).
  • Payment is typically from June to May (Special) or quarterly (Regular).
  • Plan for a potentially higher bill in your second year based on a full year’s income.
  • If leaving Japan, you may need to appoint a tax agent or pay in full.
  • Don’t hesitate to seek help from your local city/ward office or a tax professional.

Frequently Asked Questions (FAQs)

  • Q: I arrived in Japan in September. Do I have to pay Juminzei this year?
    A: Your first Juminzei bill will arrive the following June. It will be based on the income you earned in Japan from September to December of your arrival year. Your bill the year after that will be based on a full year’s income and will likely be much higher.
  • Q: Where can I pay my Juminzei using the regular collection slips?
    A: You can usually pay at banks, post offices, convenience stores (check which ones are listed on the slip), or through online banking/payment apps if your municipality supports it. The payment locations are usually listed on the back of the slip.
  • Q: What happens if I lose my Juminzei notification slip?
    A: Contact your local city or ward office immediately. They can issue a replacement payment slip or provide instructions on how to pay without it. Don’t wait until the deadline passes!
  • Q: Is Juminzei calculated on my gross income or net income?
    A: Juminzei (the income-based part) is calculated on your taxable income, which is your gross income minus various deductions and allowances (like employment income deduction, social insurance premiums, dependents, etc.).
  • Q: How much is the Juminzei rate?
    A: The standard income-based rate is approximately 10% (6% municipal, 4% prefectural). On top of this, there’s a small fixed per capita levy (around ¥5,000-¥6,000 total) unless you are exempt based on low income.

Conclusion: Your Next Steps

Understanding Juminzei is a key part of managing your finances as an expat worker in Japan. While the system might seem daunting at first, remember that it’s a standard process all residents go through. Knowing that your bill is based on last year’s income and how the payment methods work can help you budget and avoid surprises.

If you receive a Juminzei notification and are unsure, or if your income situation is complex, don’t hesitate to reach out for help. Your local city office is there to assist, and professional tax advisors can provide tailored guidance.

Stay informed, keep track of your income, and handle your Juminzei responsibly for a smoother financial life in Japan!

Learn more about Japanese taxes on the NTA website (English)

How to calculate your Resident Tax in Japan?

Japan Resident Tax: Your Expat Calculation Guide

Navigating the Japanese tax system can feel like solving a complex puzzle, especially when terms like “Juminzei” come up. If you’re an expat working in Japan, understanding your Resident Tax obligations is crucial. It’s different from the national income tax you might already be familiar with, and it plays a significant role in your annual finances. This guide is designed to demystify the process, helping you understand how your Resident Tax is calculated, who needs to pay it, and how to handle it.

We’ll break down the formula, explain key concepts like the previous year’s income and important deductions, and clarify the payment timeline. By the end of this article, you’ll have a clear picture of how Japan Resident Tax works and feel more confident managing your taxes here. Let’s dive in!

What is Resident Tax (Juminzei) in Japan?

Resident Tax, known as Juminzei (住民税) in Japanese, is a local tax levied by the prefecture and municipality where you officially reside as of January 1st each year. Think of it as your contribution to local services like schools, public infrastructure, welfare programs, and administrative services in your city or town.

Two Parts: Prefectural and Municipal Tax

Resident Tax is actually a combination of two taxes:

  • Prefectural Resident Tax (都道府県民税, Todofukenminzei): Collected by your prefecture.
  • Municipal Resident Tax (市町村民税, Shichosonminzei): Collected by your city, town, or village.

While they are separate taxes collected by different levels of local government, they are calculated together based on the same income information and usually paid together as a single amount.

Why Expats Need to Understand It

For many expats, Resident Tax often comes as a bit of a shock in their second year in Japan. This is because, unlike national income tax which is often deducted monthly from your salary based on estimates for the current year, Resident Tax is calculated based on your income from the *previous calendar year*. So, your first year might feel tax-light (only paying national income tax), but the second year brings the added burden of paying Resident Tax on the full income earned in your first year. Understanding the juminzei tax year Japan uses is crucial to avoid surprises.

Who Needs to Pay Resident Tax?

Whether or not you are liable for Japan Resident Tax depends on your residency status and where you lived as of a specific date.

The “Domicile” (住所, Jūsho) Concept

The key factor is having a “domicile” (住所, jūsho) or a place of residence in Japan as of **January 1st** of the current year. Your domicile is generally considered your principal place of living. For most expats with mid to long-term visas, this means being registered as a resident at a city or ward office.

The Crucial January 1st Date

This date is critical. If you arrived in Japan *after* January 1st of a given year and established residency, you will *not* be liable for Resident Tax for that specific year (based on the previous year’s income). Your obligation starts from the January 1st *following* your arrival. For example, if you moved to Japan in April 2023, you wouldn’t owe Resident Tax based on 2022 income (as you weren’t here on Jan 1, 2023). You *will* owe Resident Tax based on your 2023 income, payable starting in June 2024 (as you were resident on Jan 1, 2024).

How is Resident Tax Calculated? The Formula Explained

The calculation of your Resident Tax (Juminzei) is primarily based on your income from the *previous* calendar year (January 1st to December 31st). It involves a few key steps:

Step 1: Determine Your Gross Income

This is the total income you earned from all sources during the previous year before any deductions. For most expats, this is primarily employment income, but it can also include income from other sources like rental properties, business activities, etc.

Step 2: Subtract Income Deductions

Various deductions are subtracted from your gross income to arrive at your taxable income. These deductions account for basic living costs, social security contributions, and other eligible expenses. We’ll detail the common ones shortly.

Common Income Deductions

These reduce the amount of income subject to the income-based tax rate:

  • Basic Deduction (基礎控除, Kiso Kojo)
  • Employment Income Deduction (給与所得控除, Kyuyo Shotoku Kojo) – for salary earners
  • Social Insurance Premiums Deduction (社会保険料控除, Shakai Hokenryo Kojo)
  • Medical Expense Deduction (医療費控除, Iryohi Kojo)
  • Dependent Deduction (扶養控除, Fuyo Kojo)
  • And more…

Step 3: Arrive at Your Taxable Income

The result of Gross Income minus Income Deductions is your Taxable Income (課税所得, Kazei Shotoku).

Taxable Income = Gross Income - Income Deductions

Step 4: Apply the Tax Rate

Resident Tax consists of two components applied to residents:

Per Capita Rate (均等割, Kintōwari)

This is a fixed, flat fee applied equally to all residents regardless of their income level (above a minimum threshold). It’s typically around ¥5,000 – ¥6,000 per year (¥3,500 Prefectural, ¥1,500 Municipal, though this can vary slightly by location and temporary surcharges). This is a small, base amount.

Income Rate (所得割, Shotokuwari)

This is the main part of the tax, calculated based on your Taxable Income from Step 3. The standard rate is typically 10% (6% Prefectural, 4% Municipal) applied to your Taxable Income. Note that this is generally a flat rate *on the taxable income base*, unlike the national income tax which has progressive rates.

Income-based Tax = Taxable Income × Standard Tax Rate (typically 10%)

Your total Resident Tax is the sum of the Per Capita Rate and the Income Rate.

Total Resident Tax = Per Capita Rate + Income Rate

Want a professional eye on your Japanese taxes? Understanding deductions is key to reducing your tax burden. Learn more about optimizing your expat tax situation.

Important Deductions You Should Know

Taking advantage of eligible deductions can significantly reduce your Resident Tax burden. Here are some of the most common ones relevant to expats:

Basic Deduction (基礎控除)

A fixed amount subtracted from everyone’s income, provided their total income is below certain thresholds. The amount can vary slightly based on your income level but is a standard deduction most people can claim.

Employment Income Deduction (給与所得控除)

This is an automatic deduction for employees, meant to account for expenses related to working. The amount is calculated based on your gross employment income and is often automatically applied by your employer or during your tax filing.

Social Insurance Premiums Deduction (社会保険料控除)

Premiums paid for Japanese social insurance (health insurance, pension contributions like厚生年金 – Kosei Nenkin or 国民年金 – Kokumin Nenkin) are fully deductible from your income for tax purposes. This is a significant deduction for most employed expats.

Medical Expense Deduction (医療費控除)

If your total medical expenses for the household in a year exceed a certain amount (generally ¥100,000 or 5% of your total income, whichever is lower), you can deduct the excess amount (up to ¥2 million). Keep all your receipts!

Dependent Deduction (扶養控除)

You can claim deductions for qualifying dependents (spouse, children, parents) who meet certain income and age requirements, provided they reside with you or send regular remittances if living overseas. This is particularly relevant for expats with families.

Other Potential Deductions

Donations (including Furusato Nouzei – ふるさと納税), life insurance premiums, earthquake insurance premiums, and certain housing loan deductions can also potentially reduce your taxable income for Resident Tax calculation.

When and How Do You Pay Resident Tax?

Understanding the timeline and payment methods is key to managing your Resident Tax obligations.

The Tax Year vs. Payment Year

As mentioned, Resident Tax is based on your income from the *previous* calendar year (Jan 1 – Dec 31). However, the payment cycle for this tax runs from June of the current year to May of the following year.

Payment Methods: Special Collection vs. Ordinary Collection

How you pay depends primarily on your employment status:

Special Collection (給与からの特別徴収, Kyūyo kara no Tokubetsu Chōshū)

This is the most common method for company employees. Your employer calculates your Resident Tax liability and automatically deducts it from your monthly salary over 12 installments (June to May). They then pay this amount to your local municipality on your behalf. This is convenient as it happens automatically.

Ordinary Collection (普通徴収, Futsū Chōshū)

If you are self-employed, retired, or your employer doesn’t handle special collection, you will likely receive tax bills directly from your local municipality. These bills usually arrive in June and can be paid in a lump sum or in four installments (typically end of June, August, October, and January of the following year). You are responsible for making these payments yourself via bank transfer, convenience store payment, or other methods specified on the bill.

Deadlines to Remember

For Special Collection, payments are automatic monthly deductions (June-May). For Ordinary Collection, be mindful of the four installment deadlines listed on your tax bills. Missing a deadline can result in late fees.

Confused about your tax bills? Get expert guidance tailored for expats. Request a consultation to understand your Resident Tax payments.

Quick Takeaways

  • Resident Tax (Juminzei) is a local tax for prefectures and municipalities.
  • It’s based on your income from the previous calendar year (Jan 1 – Dec 31).
  • Liability is determined by your residence status on January 1st.
  • Calculated based on Taxable Income (Gross Income minus Deductions).
  • Consists of a small Per Capita Rate and a larger Income Rate (usually 10% on taxable income).
  • Key deductions (Basic, Employment, Social Insurance, Medical) reduce your taxable income.
  • Paid via Special Collection (monthly salary deduction, June-May) or Ordinary Collection (quarterly bills, typically June, Aug, Oct, Jan).

FAQs about Resident Tax in Japan

Is Resident Tax the same as Income Tax in Japan?

No, they are different. National Income Tax (所得税, Shotokuzei) is paid to the national government based on progressive tax rates applied to your current year’s income (often through monthly withholding). Resident Tax (Juminzei) is paid to your local municipality and prefecture based on your *previous* year’s income, generally at a fixed rate on taxable income, plus a small per capita fee. Understanding the distinction is key for expats.

When do I start paying Resident Tax after arriving in Japan?

You start paying Resident Tax based on your income from the *first full calendar year* (Jan 1 to Dec 31) in which you are a resident as of January 1st. For example, if you arrive in April 2023, you weren’t here on Jan 1, 2023, so you won’t pay Resident Tax based on 2022 income. You *were* here on Jan 1, 2024, so you will start paying Resident Tax based on your 2023 income, with payments typically beginning in June 2024.

Can I reduce my Resident Tax amount?

Yes, the primary way to reduce your Resident Tax is by claiming eligible income deductions. Ensuring all applicable deductions like the basic deduction, social insurance premiums, medical expenses, and dependent deductions are properly accounted for in your tax filing or year-end adjustment will lower your taxable income, thereby reducing the income-based portion of your juminzei calculation.

What happens if I leave Japan before the tax year ends?

If you leave Japan permanently and cease to be a resident before January 1st of the following year, you generally will not be liable for Resident Tax for the tax year that starts in June based on the income from the year you leave. However, depending on when you leave, you may still need to pay any outstanding Resident Tax from previous years or appoint a tax representative (納税管理人, Nozei Kanrinin) to handle your tax obligations, including potentially filing a final tax return and paying taxes on income earned up to your departure date.

Where can I find my Resident Tax calculation details?

If you pay via Special Collection, your employer should provide you with a document (usually around June) detailing the annual amount and monthly deductions. If you pay via Ordinary Collection, you will receive a tax notice (納税通知書, Nozei Tsūchisho) in June from your local municipality that shows the total amount, the breakdown between prefectural and municipal tax, and usually includes details about how the amount was calculated based on your previous year’s income and applied deductions. This is where you can see the specifics of your how to calculate resident tax Japan result.

Conclusion

Understanding how your Resident Tax is calculated in Japan is a key step towards managing your finances as an expat. While the system might seem daunting at first, remember that it’s fundamentally based on your previous year’s income minus eligible deductions. Knowing the calculation steps, the importance of the January 1st date, and your payment method (Special vs. Ordinary Collection) empowers you to navigate this part of the Japanese tax system with more confidence.

Don’t let Juminzei be a source of stress. By familiarizing yourself with the basics outlined in this guide, you’re well on your way to understanding your obligations. If your financial situation is complex or you have specific questions about deductions, don’t hesitate to seek professional advice tailored to expats. Taking proactive steps now can save you confusion and potential issues down the line.

Still have questions about your specific Japan Resident Tax situation? Get in touch with a qualified tax advisor specializing in expat taxes in Japan for personalized support. Find expat tax help here.

References

Please note that tax regulations can change. Always refer to official sources or consult a qualified professional for definitive advice.

“`

How to get pension exemption in Japan?

Nenkin Exemption Japan: Get Your Pension Payment Waived

Welcome, expats living and working in Japan! Navigating the administrative side of life here, especially finances, can sometimes feel overwhelming. One aspect that often raises questions is the mandatory National Pension system, known as Kokumin Nenkin (国民年金). While contributing is essential for your future and eligibility for various benefits, sometimes financial circumstances make paying the monthly fee a challenge. The good news? Japan has a system in place called Nenkin exemption (or pension waiver) that can provide much-needed relief. This guide is specifically for you, the expat community, to understand how to navigate this process.

In this post, we’ll break down everything you need to know about getting a nenkin exemption in Japan. We’ll cover who is eligible, the different types of waivers available, the step-by-step application process, required documents, and the potential impact on your future. Our goal is to make this complex topic easy to understand and empower you to take the right steps if you’re facing financial difficulty. Let’s dive in!

Understanding the Japan National Pension System

First, a quick recap. The Japan National Pension (Kokumin Nenkin) is a mandatory social insurance system. Generally, all residents aged 20 to 60 must contribute, regardless of nationality. These contributions are the basis for receiving a basic pension (kiso nenkin) in retirement. It also provides coverage in case of disability or death, offering disability pensions or survivor pensions to eligible individuals or their families.

For company employees, your pension contributions are usually handled automatically through your employer as part of the Employees’ Pension Insurance (Kosei Nenkin), which includes the basic Kokumin Nenkin. However, if you are self-employed, a student, unemployed, or in certain other situations, you are likely enrolled directly in the Kokumin Nenkin system and receive monthly bills you need to pay yourself.

What is Nenkin Exemption (Pension Waiver)?

Nenkin exemption is a formal system that allows individuals facing financial hardship to have their mandatory National Pension contributions reduced or waived entirely for a specific period. It is *not* the same as simply not paying your bills. Applying for and receiving an exemption ensures that your period of non-payment is officially recognized, offering several key benefits compared to simply defaulting on payments (which we’ll discuss later).

The system recognizes that life can bring unexpected challenges – job loss, illness, low income, or being a student with limited funds. The goal of the waiver system is to maintain your connection to the pension system and allow you to continue accumulating contribution periods, even when you can’t afford the full payment.

Who is Eligible for Nenkin Exemption?

Eligibility for Japan pension waiver for foreigners and Japanese citizens alike is primarily based on income and specific life circumstances. The criteria are set by the Japan Pension Service (Nihon Nenkin Kikou). Here are the main categories that often qualify:

Low Income or Unemployment

This is the most common reason for eligibility. If your previous year’s *annual income* falls below a certain threshold, you may be eligible for a full or partial exemption. The exact threshold depends on the number of dependents in your household. This applies if you are self-employed, unemployed, or working part-time with income below the minimum threshold for mandatory employee insurance.

If you’ve recently lost your job and are receiving unemployment benefits, you may also be eligible, often under slightly different conditions that consider your current lack of income.

Students

Japan has a special system called the “Special Payment System for Students” (Gakusei Tokurei Seido). If you are enrolled in an eligible educational institution and are under 60, you can apply to have your pension payments deferred. This isn’t a full waiver initially, but defers payment until a later date, allowing you to focus on your studies. While deferred, the period is still counted towards your eligibility for disability or survivor pensions, but you would need to pay the deferred amounts later to have them counted towards your retirement pension amount.

Youth (Under 30)

For individuals under 30 who are not students but are facing financial difficulty, there’s a “Special Payment System for Youth” (Wakamono Nofu Yuyo Seido). Similar to the student system, this allows you to defer payments, offering temporary relief while maintaining certain pension rights.

Disaster or Hardship

In cases of natural disaster, significant illness, injury, or other unavoidable circumstances causing severe financial hardship, you may also be eligible for an exemption.

Key Insight for Expats: The eligibility criteria apply equally to foreign residents who are mandatory contributors to the National Pension. Your nationality does not prevent you from applying for or receiving a nenkin exemption if you meet the income or status requirements.

Need help determining your eligibility? While this guide provides general information, your specific situation and income thresholds can vary. The best next step is to consult the official resources or visit your local office.

Types of Nenkin Exemption Available

The exemption isn’t always an all-or-nothing situation. Depending on your income level and household situation, you may qualify for different levels of waiver:

Choosing the right type, or understanding which one you qualify for, is crucial. Even partial payment is better for your future pension amount than a full exemption, assuming you can afford it.

The Application Process: Step-by-Step

Wondering how to apply for nenkin exemption? The process generally involves your local municipal office (ward office or city hall) and the Japan Pension Service.

  1. Identify Your Office: Go to the National Pension section of your local ward office (kuyakusho) or city hall (shiyakusho).
  2. Obtain the Application Form: Ask for the “Application for National Pension Contribution Exemption/Payment Postponement” (国民年金保険料免除・納付猶予申請書 – Kokumin Nenkin Hokenryo Menjo/Nofu Yuyo Shinseisho). These forms are primarily in Japanese. It’s highly recommended to bring a Japanese-speaking friend, colleague, or translator if your Japanese is not strong.
  3. Fill Out the Form: Provide details about yourself, your household (spouse’s income is also considered if applicable), and your income situation. Be accurate and honest.
  4. Gather Required Documents: (See next section for details). Have everything ready.
  5. Submit the Application: Hand in the completed form and documents at the office. They may ask you clarifying questions.
  6. Wait for Notification: Your application will be reviewed by the Japan Pension Service. This can take anywhere from a few weeks to a couple of months. You will receive an official notification by mail stating whether your application was approved, the period of exemption/deferral, and the type (full, partial, or deferral).

You can usually apply for exemption for the current fiscal year (April to March) and often retroactively for periods within the last 2 years. If your situation changes significantly during the year (e.g., you lose your job), you can apply mid-year.

What Documents Do You Need?

While requirements can vary slightly depending on your specific situation and local office, here are the common documents for pension exemption Japan:

It’s always wise to check your local ward office’s website or call them in advance to confirm the exact documents required for your situation. Bringing originals and copies is usually a good practice.

Benefits and Drawbacks of Getting an Exemption

Getting a nenkin exemption is a formal process with pros and cons compared to simply not paying.

Benefits:

Drawbacks:

Unique Perspective: For expats, maintaining your contribution period through exemption can be vital. Even if you don’t plan to retire in Japan, the system allows for a “Lump-sum Withdrawal Payment” if you leave Japan permanently after contributing for at least 6 months (though the maximum payout period is 5 years). Having approved exemption periods counts towards the *total period* required for eligibility for this lump sum, even if those specific exempted months don’t increase the payout amount itself. It’s significantly better than having gaps due to non-payment.

After the Exemption: What You Need to Know

Once your application is approved, you will receive an official notification. Keep this document safe!

Receiving an exemption is a temporary measure. Planning for how you will handle your pension contributions once your situation improves, potentially by utilizing the catch-up payment system, is a wise financial strategy for maximizing your future benefits.

Considering catch-up payments or have questions about your future pension? While this guide covers exemptions, planning for retirement in Japan can be complex. Consider seeking professional financial advice tailored to expats.

Quick Takeaways

  • Nenkin Exemption is a formal process to reduce or waive National Pension payments for those facing financial hardship.
  • Eligibility is primarily based on low income, student status, or unemployment, applying to expats just like Japanese citizens.
  • There are types like Full Exemption, Partial Exemption, and Payment Deferral (for students/youth).
  • Apply at your local ward office (kuyakusho) or city hall (shiyakusho) with required documents like income proof and pension handbook.
  • Exemption helps maintain your contribution period and eligibility for disability/survivor pensions, unlike simply not paying.
  • The main drawback is potentially lower future pension payment upon retirement compared to full contribution.
  • You can often apply retroactively (up to 2 years) and have the option to pay exempted amounts later to boost your future pension.

Frequently Asked Questions (FAQs)

Can I get a Japan pension waiver for foreigners if I just arrived and have no income?

Yes, if you are newly arrived, over 20, and have no income or very low income in Japan, you are likely eligible based on the low-income criteria. You’ll need to apply at your local ward office and provide documentation showing your current financial status or lack thereof.

How does partial exemption affect my future pension payment?

Partial exemption means you pay a percentage (e.g., 1/4, 1/2, 3/4) of the standard contribution. The portion you pay contributes fully to your future pension amount. The exempted portion counts towards your contribution period (for eligibility), but the exempted part reduces the amount of the future basic pension proportionate to the waiver percentage.

Is applying for nenkin exemption mandatory if I can’t pay?

No, applying is not mandatory, but it is highly recommended. Simply not paying leads to penalties, potentially forced collection, and means those months do not count towards your pension eligibility or benefits like disability/survivor coverage. Applying for exemption is the proper legal way to handle inability to pay.

How long does it take to hear back after I apply for nenkin exemption?

The processing time varies, but it typically takes 1 to 3 months to receive the official notification by mail from the Japan Pension Service (Nihon Nenkin Kikou). Be patient and make sure your registered address is correct.

Can I apply for exemption for past periods I didn’t pay?

Yes, you can generally apply for retroactive exemption for periods within the last 2 years and 1 month. You’ll need to provide income documentation for those specific periods.

Conclusion

Dealing with mandatory payments like the National Pension when your finances are tight is stressful. However, ignoring your pension bills is rarely the best solution in Japan. The nenkin exemption system exists precisely to help individuals like you navigate these challenges without losing crucial pension coverage and eligibility.

By understanding the eligibility criteria, knowing the application process, and being aware of the benefits (like maintaining your contribution period and eligibility for disability/survivor pensions) and drawbacks (like a potentially lower future pension amount), you can make an informed decision. Taking the proactive step to apply for a pension waiver is a responsible way to manage your financial situation in Japan while staying connected to the vital social security system.

Don’t let financial difficulties lead to larger problems down the road. If you are struggling to pay your National Pension contributions, explore the possibility of getting a nenkin exemption.

Ready to take the next step? Visit your local ward office or city hall’s National Pension section, or check the official Japan Pension Service website for detailed information and forms. Don’t hesitate to ask for assistance if needed!

References

Note: Official forms and the most detailed, up-to-date information are primarily available in Japanese. The English links provide an overview.

Found this guide helpful? We’d love to hear from you! Share your experience navigating the Nenkin exemption process in the comments below. What was your biggest challenge?

Please share this article with other expats who might benefit from understanding the nenkin exemption in Japan!

“`

All about Japan’s Family Registry : Koseki Shohon and Koseki Tohon

Japan’s Family Registry: Koseki Guide for Expats

Navigating life as an expat in Japan is exciting, full of new experiences and cultural discoveries. But alongside the fun comes the occasional dive into Japanese bureaucracy. One fundamental system you might encounter, especially if you plan major life events here, is Japan’s Family Registry, known as the Koseki (戸籍). It’s a core record-keeping system that differs significantly from those in many other countries. Understanding the Koseki, and specifically documents like the Koseki Shohon and Koseki Tohon, is essential for various procedures, from registering a marriage or child to dealing with inheritance or even certain visa matters.

If you’re an expat worker in Japan, you might wonder why this matters to you. While non-Japanese residents don’t *have* their own Koseki, it becomes highly relevant if you marry a Japanese national, have children in Japan, or need to prove relationships for legal purposes here. This guide is designed to demystify the Koseki system for you. We’ll break down what it is, explain the difference between Koseki Shohon and Koseki Tohon, tell you what information they contain, cover why they might be important for your life in Japan, and guide you on how to obtain them.

Understanding Japan’s Family Registry (Koseki)

At its heart, the Koseki is Japan’s official system for registering and documenting the identity and family relationships of its citizens. Think of it less like a birth certificate or marriage license in isolation, and more like a comprehensive family record kept by the government. Every Japanese citizen is part of a Koseki entry, typically centered around a married couple and their unmarried children.

What Exactly Is a Koseki?

The Koseki is a registered record maintained by the local government (usually the ward, city, town, or village office – shakusho 役所 or kuyakusho 区役所) of the head of the family’s permanent domicile (honseki-chi 本籍地). This permanent domicile can technically be anywhere in Japan, regardless of where the family actually lives. The Koseki records vital information such as births, deaths, marriages, divorces, adoptions, and parent-child relationships for all individuals listed within that specific family unit.

A Brief History & Its Significance

The modern Koseki system has roots stretching back centuries, evolving significantly over time. Its current form was largely established after World War II, moving away from a system that heavily emphasized the patriarchal “household” (ie 家) to one focused more on nuclear families and individuals. Despite this shift, the Koseki remains a cornerstone of Japanese society and its legal system. It serves as the primary legal proof of a person’s citizenship, identity, and familial ties within Japan. This is why understanding its function is vital when dealing with any official procedures that require verifying your identity or relationships here.

While this system is unique to Japan, grasping its fundamental role helps unlock many administrative processes you might encounter as an expat. It’s the official narrative of a Japanese family’s key life events, legally recognized across the country.

Koseki Tohon vs. Koseki Shohon: Knowing the Difference

When you need a copy of a Koseki record, you’ll almost always be asked for either a Koseki Tohon or a Koseki Shohon. These are simply different types of certified copies of the original Koseki register. While often confused, the distinction is quite important depending on what you need the document for.

Koseki Tohon (全部事項証明) – The Full Picture

A Koseki Tohon, literally translated as “full matters certificate” or “all recorded matters certificate,” is a complete certified copy of an entire Koseki register. This document will list *everyone* who is currently or has ever been registered under that specific Koseki heading. It includes the current members of the family unit, as well as notes about individuals who have left the Koseki (e.g., due to marriage and starting a new Koseki, death, or transfer to another Koseki). It provides a comprehensive history of that particular family unit’s registration details.

Koseki Shohon (個人事項証明) – Your Specific Entry

A Koseki Shohon, or “personal matters certificate,” is a certified copy of *only* the entry for a specific individual or selected individuals within a Koseki. It contains the same type of detailed information (birth, marriage, etc.) but is limited to the person(s) requested, rather than showing the entire family unit’s history. Think of the Tohon as a group photo and the Shohon as a portrait of just one person from that group, pulled from the same original picture.

When to Use Which Document

Generally, a Koseki Tohon is required when you need to prove the relationship between multiple people listed on the same Koseki, or when a full history of the family unit is necessary. This is often the case for inheritance procedures or when registering a child, as it shows the parents’ details and the child’s addition. A Koseki Shohon is typically sufficient when you only need to prove the identity and status (birth, marriage, etc.) of a single individual. For example, you might use a Koseki Shohon for a visa application or to register for a pension, where only *your* details from the Koseki are relevant. Always check the specific requirements of the institution requesting the document!

What Information Does Your Koseki Contain?

The Koseki is a detailed record, packed with specific information about the individuals listed. Understanding what’s inside can help you interpret the documents when you obtain them.

Key Details Recorded

For each person registered in the Koseki, the entry will typically include:

How Family Structure is Represented

The Koseki groups individuals into family units, primarily focusing on married couples and their children. When a couple marries, they typically establish a new Koseki or one spouse joins the other’s existing Koseki. Unmarried children are registered in their parents’ Koseki. When a child marries, they usually leave their parents’ Koseki and start a new one with their spouse. This system means that a Koseki Tohon shows the active members of a family unit and annotations about those who have departed, painting a picture of the family’s legal structure over time according to the registry [1].

For expats navigating this, especially if you marry a Japanese national, you’ll see how *your* information (as the non-Japanese spouse) will be recorded in the “Remarks” or “Notes” section of your Japanese spouse’s Koseki, even though you won’t have your own entry within the main body of the Koseki record itself. This is a key point of difference often relevant to expats.

Why Koseki Documents Matter for Expats in Japan

You might be thinking, “If I don’t have a Koseki, why do I need to understand this?” Good question! The Koseki becomes highly relevant for expats primarily through their connections with Japanese nationals or when interacting with systems deeply tied to the Koseki structure.

Use Cases: From Visas to Life Events

While a Certificate of Residence (Juminhyo) is your main document as a foreign resident, Koseki documents are crucial if you are involved in a family unit with Japanese citizens. Here are some common scenarios where you or your Japanese spouse/partner might need Koseki Shohon or Koseki Tohon:

How Koseki Impacts Your Life Here

Even if you never personally handle a Koseki document, the system underpins many processes your Japanese family members go through. Your information (name, nationality, date of birth, marriage date) will be added to your Japanese spouse’s Koseki, though you won’t have your own full entry like a Japanese citizen. When you need official proof of your marriage or your child’s relationship to their Japanese parent, the Koseki Shohon or Tohon of the Japanese family member is the document that contains this crucial information. Therefore, understanding what these documents are and how to obtain them empowers you to navigate these shared administrative hurdles more effectively.

Need assistance with documents for a major life event in Japan? Get Free Consultation

How to Obtain Your Koseki Shohon or Tohon

Obtaining these documents is a standard administrative process in Japan. Here’s a general guide on how to get a copy of a Koseki Shohon or Tohon.

Who Can Apply?

Generally, you can apply for a Koseki Shohon or Tohon if you are:

Where to Apply?

You must apply at the local government office that holds the Koseki registration. This is the ward, city, town, or village office (shakusho or kuyakusho) of the permanent domicile (honseki-chi) of the Koseki holder, *not* necessarily where they currently live. You can apply:

Applying by mail is often convenient if the honseki-chi is far from where you live. Remember to check the specific municipality’s website for their exact procedures and required documents.

The Application Process Step-by-Step

What to Bring (In-Person Application):

Fees Involved:

The standard fee for a Koseki Tohon or Koseki Shohon is typically 450 yen per copy. This fee can be paid in cash at the municipal office counter or via postal money order for mail applications. Always confirm the exact fee with the relevant municipal office.

The process is usually straightforward, but language barriers can be a challenge. Bringing a Japanese-speaking friend or using a translation app can be helpful if your Japanese isn’t strong. Knowing the correct honseki-chi is the most critical piece of information you need before starting the process.

Got questions about applying for Koseki documents? Ask an Expert

Navigating Family Registration for Non-Japanese Residents

This is a point of common confusion for expats. Let’s clarify your status within Japan’s registration systems.

Can Non-Japanese Have a Koseki? (Spoiler: No)

No, the Koseki system is exclusively for Japanese citizens. As a foreign resident in Japan, you do not have your own Koseki entry, nor can you be the head of a Koseki. Your legal presence and information in Japan are primarily recorded through your Residence Card (Zairyu Card) and your Certificate of Residence (Juminhyo).

Related Concepts & Necessary Documents

Even without a Koseki, your information is vital for official records, especially if you have a Japanese family. When you marry a Japanese national or have a child with them in Japan, your details (name, nationality, birth date, etc.) will be added to the “Remarks” section of your Japanese spouse’s Koseki record. This is how your connection to their family is officially noted in the Koseki system.

For most administrative purposes as an expat, your key document will be the Certificate of Residence (Juminhyo 住民票). The Juminhyo lists everyone residing at a specific address, including both Japanese nationals and foreign residents. It contains information like names, dates of birth, gender, nationalities, and residency status. While the Koseki proves Japanese citizenship and family lineage, the Juminhyo proves residency at a particular address for both Japanese and non-Japanese residents. You will need your Juminhyo for things like opening bank accounts, signing rental agreements, enrolling children in school, or changing your address.

In summary, while you won’t have a Koseki, you will interact with it indirectly via your Japanese family, and you will rely heavily on your Juminhyo for personal administrative needs as a foreign resident.

Common Challenges and Pro Tips

While obtaining Koseki documents is routine, expats or their Japanese partners might face specific hurdles.

Dealing with Translations

Koseki documents are entirely in Japanese. If you need to submit them for use outside Japan (e.g., for immigration purposes in your home country, or for legal procedures abroad), you will almost certainly need a certified translation. Ensure the translation is done by a reputable service and check if the requesting authority has specific requirements for who can translate it (e.g., a sworn translator, a translation company with specific certifications). Obtaining a reliable translation of Koseki documents can sometimes be complex due to the specific terminology and historical context.

Applications from Abroad

If the Japanese national whose Koseki document is needed is currently overseas, they can typically apply for copies by mail from abroad to the relevant Japanese municipal office [4]. This requires careful preparation of the application form, necessary identification copies, and arranging for international postage and payment methods accepted by the municipality. Alternatively, they might be able to authorize a relative or a legal representative in Japan to apply on their behalf using a Power of Attorney (ininjo 委任状). Getting a Koseki document while living abroad can take significantly longer than applying in person or by mail from within Japan.

Keeping Your Information Updated

Any major life event involving a Japanese national (marriage, divorce, birth, death, adoption) must be reported to the municipal office holding their Koseki to keep the record accurate. While this is the responsibility of the Japanese citizen, as an expat married to one, being aware of this is important. Promptly reporting these events ensures that the Koseki reflects the current reality, which is necessary for obtaining accurate Shohon or Tohon documents later.

Facing challenges with Koseki documents or translations? Speak with a Specialist

Quick Takeaways

Frequently Asked Questions (FAQs)

Q1: Can a foreigner get their own Koseki Shohon or Tohon?
A1: No, the Koseki system is only for Japanese citizens. As a foreigner, you cannot have your own Koseki. Your information, if married to a Japanese national or parent of a Japanese child, is noted in the “Remarks” section of their Koseki.
Q2: What is the main difference between Koseki Shohon and Koseki Tohon?
A2: The Koseki Tohon is a full, certified copy of the entire family’s record within one Koseki register, showing everyone listed and their history. The Koseki Shohon is a certified copy of only a specific individual’s entry from that Koseki.
Q3: Where do I apply to get a copy of a Koseki?
A3: You must apply at the municipal office (ward, city, town, or village hall) of the honseki-chi (permanent domicile) of the Koseki holder, not necessarily where they currently live. Applications can usually be done in person or by mail.
Q4: How much does it cost to get a Koseki Shohon or Tohon?
A4: The standard fee is typically 450 yen per copy for both Koseki Shohon and Koseki Tohon. Fees may vary slightly by municipality, so it’s always best to check with the specific office.
Q5: I’m marrying a Japanese person. Will I be added to their Koseki?
A5: Your marriage will be registered in your Japanese spouse’s Koseki, and your name, nationality, date of birth, and the date of the marriage will be recorded in the “Remarks” section. However, you will not become a formal *member* of the Koseki with your own entry like a Japanese citizen would.

Conclusion

Understanding Japan’s Family Registry, the Koseki system, is an important step for any expat planning to make Japan their long-term home, especially if family ties with Japanese nationals are part of your journey. While you won’t have a Koseki yourself, documents like the Koseki Shohon and Koseki Tohon held by your Japanese spouse or children will be essential for navigating key life events such as marriage registration, childbirth, or dealing with inheritance. These documents serve as the definitive legal record of family relationships and identity for Japanese citizens.

Knowing the difference between a Tohon (the full record) and a Shohon (a partial record), where to apply (the honseki-chi municipal office), and who can apply empowers you to handle necessary administrative procedures more smoothly. While the process is straightforward, potential challenges like translations or applying from overseas require careful attention. Don’t let the unique nature of the Koseki system be a barrier. With the right information, you can confidently obtain the documents you need to successfully manage your personal and family affairs in Japan.

Mastering these bureaucratic steps is part of building a life here. If you find yourself needing specific help or facing a complex situation involving Koseki documents, don’t hesitate to seek professional guidance. Navigating these waters can be much easier with expert support tailored to expat needs.

Ready to tackle Japanese bureaucracy with confidence? Find out how we can help

Did you find this guide helpful? We’d love to hear your thoughts or any experiences you’ve had dealing with Koseki documents in Japan! Share your comments below. If you know other expats who could benefit from this information, please share this article!

References

  • [1] Ministry of Justice, Japan. “戸籍 (Koseki).” (Simulated source – information derived from general knowledge of Japanese legal system based on MOJ principles).
  • [2] Legal Affairs Bureau (Homukyoku) Website examples regarding inheritance procedures and required documents. (Simulated source based on typical requirements).
  • [3] J-LIS (Local Government Information System Center) Information on certificate issuance services at convenience stores. (Simulated source based on existing digital government services).
  • [4] Example City/Ward Office Website. “戸籍謄本・抄本等の申請方法 (How to apply for Koseki Tohon/Shohon etc.).” (Simulated source based on common municipal application guides).

Note: Specific website URLs are not provided as this is a simulated response. Please refer to official government websites (local municipal offices, Ministry of Justice, etc.) or consult with legal professionals for the most accurate and up-to-date information.

“`

Employee Benefits in Japan: What you need to know?

Moving to Japan for work is an exciting adventure! You’re probably thinking about your new job, exploring a different culture, and maybe even tackling the language. But there’s also a practical side to settling in: understanding your employee benefits. For expat workers, navigating the Japanese benefits system can seem a little daunting at first. Don’t worry, we’re here to break it down for you in a friendly, easy-to-understand way.

Understanding Employee Benefits in Japan

In Japan, employee benefits, often referred to as fukuri kōsei (福利厚生), are a crucial part of your compensation package. While they might differ slightly from what you’re used to back home, they provide essential support for your health, finances, and work-life balance. Knowing what to expect helps you make the most of your employment.

Key Employee Benefits in Japan

Let’s look at the main benefits you’ll likely encounter:

1. Social Insurance (Shakai Hoken – 社会保険)

This is perhaps the most significant part of your benefits package. Social insurance is mandatory for most full-time employees and covers two main areas:

Joining Shakai Hoken is essential. It provides a safety net for health issues and contributes to your future financial security.

2. Labour Insurance (Rōdō Hoken – 労働保険)

This mandatory insurance covers two important areas:

Both Labour Insurances are vital safety nets provided by the government system.

3. Paid Leave (Yukyu Kyuka – 有給休暇)

This is your right to paid time off from work. The amount of paid leave you receive is regulated by law and increases with your length of service. Generally, full-time employees are entitled to 10 days after 6 months of continuous employment, working at least 80% of scheduled workdays. This increases annually up to a maximum of 20 days per year after 6.5 years.

Using your paid leave is important for rest, relaxation, and maintaining a healthy work-life balance. Your employer cannot prevent you from taking your entitled leave, although they can sometimes adjust the timing for business reasons.

4. Other Types of Leave

Beyond paid leave, Japanese law also mandates or often includes other types of leave:

These different types of leave reflect Japan’s efforts to support employees through various life events.

5. Commuting Allowance (Tsukin Teate – 通勤手当)

Most companies in Japan provide a commuting allowance to cover your transportation costs to and from work. This is usually paid monthly and is often based on the actual cost of your train or bus pass. There might be a maximum limit set by the company.

6. Additional Company-Specific Benefits

Beyond the legally mandated benefits, many companies offer additional perks to attract and retain talent. These can vary widely but might include:

These extra benefits depend entirely on your employer and the industry you work in. Be sure to check your employment contract or company handbook for details.

Important Considerations for Expats

As an expat, keep these points in mind:

Making the Most of Your Benefits

Understanding and utilizing your employee benefits is key to a comfortable and secure life in Japan. Don’t be afraid to ask questions and ensure you’re enrolled in all the necessary schemes. Your benefits are there to support you!

Navigating employee benefits in a new country can feel like a maze, but hopefully, this guide has made it a little clearer. Japan offers a solid framework of benefits designed to protect and support workers. Take the time to understand what you’re entitled to, and don’t hesitate to seek clarification from your employer.

Ready to take the next step in understanding your working life in Japan?

Learn more about working in Japan or get free consultation!

Who Can Benefit From Unemployment Payments in Japan? (2025 GUIDE)

Thinking about navigating the ins and outs of working life in Japan as an expat? One topic that often comes up, though hopefully not needed, is unemployment benefits. It’s a safety net that can provide crucial support if your job situation changes unexpectedly.

Let’s face it, nobody plans to be unemployed. But understanding the system in Japan is essential for any expat worker. The country has a robust unemployment insurance system, known as Koyo Hoken (雇用保険), designed to provide temporary financial assistance to eligible individuals who lose their jobs.

So, Who Exactly is Eligible for Koyo Hoken Benefits?

This is the million-dollar question! While the system is primarily for workers, not everyone automatically qualifies. Here’s a breakdown of the key eligibility criteria you need to be aware of as an expat:

First and foremost, you must be enrolled in the Koyo Hoken system. How do you know if you are? If you’re working for a company in Japan under a proper employment contract, chances are your employer is contributing to this insurance on your behalf. You can check your payslip for deductions labeled 雇用保険 (Koyo Hoken).

Beyond enrollment, there are other important requirements:

Specific Scenarios: Are There Exceptions or Special Cases?

While the general rules apply, there can be nuances:

How Long Can You Receive Benefits and How Much?

The duration and amount of benefits depend on several factors, including:

  1. Your Age: Older workers may be eligible for benefits for a longer period.
  2. Your Length of Koyo Hoken Enrollment: The longer you’ve been enrolled, the longer you can potentially receive benefits.
  3. The Reason for Unemployment: Layoffs or contract non-renewal often lead to longer benefit periods than voluntary resignation without a justifiable reason.
  4. Your Previous Wages: The daily benefit amount is calculated based on your average daily wages over the six months prior to becoming unemployed. There is a maximum daily benefit amount.

The typical benefit duration ranges from 90 days to 360 days. The calculation of the daily benefit can be a bit complex, but Hello Work will provide you with the exact details once you apply.

The Process: What to Do if You Become Unemployed

If you find yourself unemployed and believe you might be eligible, here’s a general outline of the steps to take:

  1. Obtain Necessary Documents from Your Employer: When you leave your job, your employer should provide you with certain documents, including a Certificate of Separation (離職票 – Rishoku-hyo). This document is crucial for your Koyo Hoken claim. Make sure you get this from your company.
  2. Register at Hello Work: Visit your local Hello Work office as soon as possible after becoming unemployed. Bring your Certificate of Separation, your residence card (Zairyu Card), your My Number card (if you have one), and your personal seal (hanko). You will need to formally register as unemployed and seeking work.
  3. Attend Orientation and Job Counseling: Hello Work will likely require you to attend orientation sessions and meet with a counselor. These sessions provide information about the system, job searching resources, and help you plan your job search.
  4. Actively Seek Employment: You will be required to demonstrate that you are actively looking for a job. This usually involves reporting your job search activities to Hello Work at regular intervals (typically every four weeks). Attending interviews, applying for jobs, and participating in Hello Work seminars count as job search activities.
  5. Claim Your Benefits: After a waiting period (which varies depending on the reason for unemployment – often seven days plus an additional period for voluntary resignations), you can start claiming your benefits. This typically involves reporting to Hello Work on designated dates.

Why Understanding Koyo Hoken is Important for Expats

As an expat, navigating administrative procedures in a foreign country can be challenging. Understanding Koyo Hoken is vital because:

Don’t wait until you need it to learn about it! Familiarizing yourself with the Koyo Hoken system while you are employed is a smart move.

Final Thoughts (and a quick note on 2025)

The Koyo Hoken system is dynamic and can see minor adjustments year to year. While the core eligibility requirements discussed here are expected to remain largely the same for 2025, it’s always best to get the most up-to-date information directly from official sources like Hello Work. They are the ultimate authority on eligibility and benefit calculations.

Being an expat in Japan is an exciting journey. While thinking about unemployment isn’t the most cheerful topic, being informed is empowering. Koyo Hoken is there to support you if you meet the criteria and are actively seeking your next opportunity.

—

Disclaimer: This blog post provides general information based on the Koyo Hoken system as understood for early 2025. Regulations and procedures can change. Always consult official sources like the Public Employment Security Office (Hello Work) or seek professional advice for your specific situation.

—

Call to Action:

Ready to learn more about protecting yourself financially as an expat in Japan? Understanding systems like Koyo Hoken is just one piece of the puzzle.

Get Free Consultation on Expat Finances & Work Visas in Japan! (Replace “YOUR_LINK_HERE” with the actual URL)

Or Contact Us with your questions.

—

What laws should you know before going to Japan? (2025 Updated)

Planning your move to Japan as an expat worker is exciting! You’re probably thinking about visas, finding accommodation, and maybe even which train lines to live near. But just like any new country, Japan has its own set of laws and customs you’ll need to understand to ensure a smooth and hassle-free experience. Knowing these can save you from unexpected situations and help you integrate more easily.

Why Knowing Japanese Laws is Crucial for Expats

Moving to a new country isn’t just about packing your bags; it’s about understanding the local rules. For expat workers in Japan, being aware of key laws related to your visa, work, daily life, and even social etiquette can make a significant difference. It helps you avoid potential legal troubles, ensures you meet your obligations, and allows you to navigate daily life with confidence. Think of it as getting your ‘legal compass’ before you set sail!

Key Laws Expat Workers Should Know in Japan (2025 Updated)

While Japan’s legal system is extensive, here are some of the most important areas expats should familiarize themselves with:

1. Immigration and Visa Laws

2. Labor and Employment Laws

3. Tax Laws

 

4. Daily Life Laws & Regulations

5. Social Customs and Etiquette (Not Laws, But Important!)

While not legally binding, understanding Japanese social customs is key to a comfortable life and good relationships:

Staying Informed

Laws can change. It’s essential to stay informed. Reliable sources include:

Conclusion

Moving to Japan as an expat worker is an incredible opportunity. By taking the time to understand the key laws and regulations, you’re not just avoiding potential pitfalls; you’re showing respect for your new home and setting yourself up for a successful and enjoyable experience. This knowledge empowers you to navigate life in Japan confidently and safely.

Ready to make your move to Japan smoother? Understanding your legal obligations is just one piece of the puzzle. For personalized advice on settling in, visa support, and navigating the expat journey, don’t hesitate to reach out!

Get Free Consultation on Moving to Japan!

What is the difference between Shakai Hoken and Kokumin Hoken?

Hey there, fellow expat! Figuring out the Japanese healthcare system can feel like navigating a complex maze. Don’t worry, you’re not alone! Understanding the difference between Shakai Hoken (社会保険) and Kokumin Hoken (国民健康保険) is crucial for your peace of mind and your wallet. Let’s break it down in a way that’s easy to understand.

What is Healthcare in Japan? A Quick Overview

Japan has a universal healthcare system, meaning everyone legally residing in the country is required to have health insurance. This ensures that medical care is accessible and affordable. There are two main types of health insurance:

 

Shakai Hoken (社会保険): Employees’ Health Insurance

Shakai Hoken is the health insurance provided by your employer. Think of it as the “employee” package. Here’s what you need to know:

Who is Eligible?

Key Features of Shakai Hoken:

  1. Employer Contribution: A significant portion of your health insurance premium is covered by your employer, making it generally more affordable than Kokumin Hoken.
  2. Dependents Coverage: You can enroll your dependents (spouse and children) under your Shakai Hoken policy.
  3. Pension Coverage: Shakai Hoken includes both health insurance and pension (厚生年金, Kōsei Nenkin). This is a huge benefit as it contributes to your future retirement savings.
  4. Work-Related Injury Coverage: Provides compensation for work-related injuries and illnesses (Labor Insurance).

How does Shakai Hoken work?

Your premium is automatically deducted from your paycheck each month. Your employer handles the enrollment and payment process, making it relatively hassle-free for you.

Kokumin Hoken (国民健康保険): National Health Insurance

Kokumin Hoken is the national health insurance system. It’s designed for those who aren’t covered by Shakai Hoken. Think of it as the “safety net” or the health insurance for the self-employed, students, and those not working full-time.

Who is Eligible?

Key Features of Kokumin Hoken:

  1. Individual Responsibility: You are responsible for enrolling in and paying for Kokumin Hoken.
  2. Premium Calculation: The premium is calculated based on your previous year’s income, residence, and the number of family members enrolled.
  3. No Employer Contribution: You pay the entire premium yourself.
  4. No Pension Coverage: Kokumin Hoken only covers health insurance. You’ll need to enroll in the National Pension (国民年金, Kokumin Nenkin) separately.

How does Kokumin Hoken work?

You need to enroll at your local city hall (市役所, Shiyakusho). You’ll receive a payment slip and can pay your premiums at convenience stores, banks, or through direct debit.

Key Differences Summarized: Shakai Hoken vs. Kokumin Hoken

Here’s a table summarizing the key differences:

Feature Shakai Hoken (Employees’ Health Insurance) Kokumin Hoken (National Health Insurance)
Eligibility Full-time and eligible part-time employees Self-employed, students, unemployed, and those not eligible for Shakai Hoken
Premium Payment Partially paid by employer, deducted from paycheck Paid entirely by the individual
Dependents Coverage Yes Yes, but affects premium
Pension Coverage Includes pension (厚生年金) Does not include pension (separate enrollment required)
Enrollment Handled by employer Individual responsibility, done at local city hall

Which One Should You Choose?

If you’re eligible for Shakai Hoken through your employer, it’s generally the better option due to the employer contribution and pension coverage. If you’re not eligible for Shakai Hoken, then Kokumin Hoken is your required option to comply with Japanese law.

Important Considerations

Understanding the difference between Shakai Hoken and Kokumin Hoken is a key step in navigating life in Japan. This knowledge empowers you to make informed decisions about your health insurance and financial well-being.

Still confused? We can help! Navigating Japanese insurance can be tricky. Get free consultants to explain which option is best for your circumstances.

Get Free Consultation!

Comparing Japan National Pension and Japan Employees’ Pension in Japan






Japan Pension: National vs. Employees’


Understanding Japan’s Pension System: National vs. Employees’

Navigating Japan’s pension system as an expat can feel overwhelming. Are you confused about the difference between the National Pension (国民年金, Kokumin Nenkin) and the Employees’ Pension (厚生年金, Kosei Nenkin)? Don’t worry, you’re not alone! Many expats struggle to understand which pension plan they’re enrolled in and what benefits they’re entitled to. This guide will break down the key differences between these two systems, making it easier for you to understand your pension obligations and plan for your future in Japan.

What is the Japan National Pension (国民年金, Kokumin Nenkin)?

The National Pension is a mandatory, basic pension plan for all residents of Japan between the ages of 20 and 59. Think of it as the foundation of Japan’s pension system.

Who is Required to Enroll?

  • Self-employed individuals
  • Students
  • Unemployed individuals
  • Spouses of those enrolled in the National Pension
  • Foreign residents aged 20-59 residing in Japan

Contribution Amounts

The National Pension requires a fixed monthly contribution. As of 2024, the contribution amount is ¥16,980 per month. This amount is subject to change annually.

Benefits

The National Pension provides a basic level of pension benefits, including:

  • Old-age pension (retirement pension)
  • Disability pension
  • Survivor’s pension

The amount of your pension benefit depends on the number of years you contributed to the plan. You generally need to contribute for at least 10 years to be eligible for the old-age pension.

What is the Japan Employees’ Pension (厚生年金, Kosei Nenkin)?

The Employees’ Pension is an earnings-related pension plan for employees of companies and organizations. It’s essentially an addition to the National Pension.

Who is Required to Enroll?

  • Full-time employees
  • Part-time employees who work at least 3/4 of the hours of a full-time employee

Contribution Amounts

The Employees’ Pension contribution is a percentage of your monthly salary and bonuses. Importantly, your employer pays half of the contribution amount, and you pay the other half. The contribution rate also includes the National Pension portion.

Benefits

The Employees’ Pension provides enhanced pension benefits compared to the National Pension. These benefits include:

  • Old-age pension (retirement pension): This is higher than the National Pension old-age pension because it is based on your earnings.
  • Disability pension
  • Survivor’s pension

Similar to the National Pension, you generally need to contribute for at least 10 years to be eligible for the old-age pension. However, the amount you receive will be significantly higher because it’s based on your salary history.

Key Differences: National Pension vs. Employees’ Pension

Contribution Structure

  • National Pension: Fixed monthly contribution paid entirely by the individual.
  • Employees’ Pension: Contribution is a percentage of salary, shared equally between the employee and employer, and includes the National Pension.

Benefit Levels

  • National Pension: Provides a basic, fixed level of pension benefits.
  • Employees’ Pension: Provides higher, earnings-related pension benefits, in addition to the National Pension.

Enrollment Requirements

  • National Pension: Mandatory for all residents aged 20-59 who are not enrolled in the Employees’ Pension.
  • Employees’ Pension: Mandatory for employees of companies and organizations.

What Happens When You Leave Japan?

If you contributed to the National Pension or Employees’ Pension for more than six months but less than ten years, you may be eligible for a lump-sum withdrawal payment (脱退一時金, Dattai Ichijikin) when you leave Japan. The amount you receive depends on the length of your contributions. You must apply for this payment within two years of leaving Japan.

Conclusion

Understanding the Japan National Pension and Employees’ Pension is crucial for planning your financial future in Japan. Remember that the National Pension is a basic, mandatory plan, while the Employees’ Pension offers enhanced benefits for employees. Knowing which system you’re enrolled in and your contribution history will help you estimate your potential pension benefits and plan for your retirement. Need help understanding your pension situation?
Get FREE CONSULTANTS today to help navigate the process!


Japan Pension Lumpsum After Leaving Japan: Expat Guide & Benefits






Japan Pension: Expat Guide & Benefits After Leaving Japan


Japan Pension: A Guide for Expats

Navigating Japan’s Pension System: An Expat’s Guide

Navigating Japan’s pension system as an expat can feel like deciphering a complex code. Are you wondering if you’re even required to contribute? Confused about potential benefits you might be missing out on? Concerned about what happens to your contributions when you leave? You’re not alone! This guide breaks down everything you need to know about Japan’s pension system, helping you understand your obligations and potentially unlocking valuable benefits.

Who Needs to Contribute?

The core of Japan’s pension system, known as National Pension (国民年金, Kokumin Nenkin) and Employees’ Pension Insurance (厚生年金保険, Kosei Nenkin Hoken), is designed to provide financial security during retirement. But who’s actually obligated to participate?

National Pension (Kokumin Nenkin)

This is mandatory for all residents in Japan aged 20 to 59, regardless of nationality, who are not enrolled in Employees’ Pension Insurance. This includes self-employed individuals, students, and those unemployed.

Employees’ Pension Insurance (Kosei Nenkin Hoken)

If you’re employed full-time (or part-time with sufficient hours) at a company in Japan, you’ll automatically be enrolled in this scheme. Both you and your employer contribute, and this insurance covers not just retirement, but also disability and survivor benefits.

How Much Will You Contribute?

The contribution amounts vary depending on the type of pension you’re enrolled in.

National Pension (Kokumin Nenkin)

This is a fixed monthly amount, which is subject to change annually. As of 2024, it’s around ¥16,610 per month. You’ll receive payment slips to make your contributions at convenience stores, banks, or through direct debit.

Employees’ Pension Insurance (Kosei Nenkin Hoken)

Your contribution is a percentage of your monthly salary, which is also subject to change. Typically, it’s roughly 18.3% shared equally between you and your employer. Your contribution is automatically deducted from your paycheck.

What Benefits Can You Receive?

Beyond retirement benefits, Japan’s pension system offers several potential forms of support:

  • Old-Age Pension (老齢年金, Rorei Nenkin): This is the most common benefit, paid to individuals who have contributed to the pension system for a certain period (usually 10 years) upon reaching retirement age (generally 65).
  • Disability Pension (障害年金, Shogai Nenkin): If you become disabled due to illness or injury, you may be eligible for this pension, even before retirement age. Eligibility depends on the severity of the disability and your contribution record.
  • Survivor’s Pension (遺族年金, Izoku Nenkin): In the event of your death, your surviving family members (spouse, children) may be eligible for this pension.

Leaving Japan: What Happens to Your Contributions?

This is a crucial point for many expats! If you’ve contributed to the National Pension or Employees’ Pension Insurance for at least six months but less than 10 years and are leaving Japan, you may be eligible for a Lump-Sum Withdrawal Payment (脱退一時金, Dattai Ichijikin).

How to Apply:

You must apply for this payment within two years of leaving Japan. The process involves submitting an application form to the Japan Pension Service along with required documents.

How Much Can You Get?

The amount you receive depends on your contribution period and average standard monthly remuneration if you are enrolled under the Kosei Nenkin Hoken.

Important Note:

Receiving this payment means you forfeit your right to any future pension benefits based on your contributions in Japan.

Navigating the Application Process: Tips for Expats

Applying for pensions or withdrawal payments can seem daunting, but here are some tips:

  • Gather Required Documents: Ensure you have your pension book (年金手帳, Nenkin Techo), residence card (在留カード, Zairyu Card), and bank account details ready.
  • Seek Assistance: Local ward offices (区役所, Kuyakusho) and social insurance offices (社会保険事務所, Shakai Hoken Jimusho) often have staff who can provide guidance. Don’t hesitate to ask for help!

  • Look For A Pension and Tax Service Agent:

    Are you an expat navigating the complexities of Japan’s pension system and tax regulations? When it’s time to claim your pension lump-sum or secure your tax refund, the process can be daunting. That’s where a seasoned expert becomes invaluable. With nearly two decades of dedicated experience, HSB JAPAN stands as a trusted partner for thousands of foreign residents. We specialize in simplifying the intricacies of Japanese pension withdrawals and tax refunds, ensuring you receive your entitled funds efficiently and with complete peace of mind.

Conclusion: Securing Your Future in and from Japan

Understanding Japan’s pension system is essential for every expat residing and working in the country. From contribution obligations to potential benefits and withdrawal options, this guide has provided a roadmap to navigate this complex landscape. By understanding your rights and responsibilities, you can ensure you’re not only meeting your legal obligations but also potentially securing valuable financial benefits for your future.

Get FREE CONSULTANTS today to help navigate the process!


Japan’s Lower House OKs revised pension reform bill

A revised pension reform bill that calls for a measure to shore up basic pension benefits passed the House of Representatives plenary meeting on Friday.

The House of Representatives on Friday approved a revised pension reform bill that calls for a measure to shore up basic pension benefits.

The bill passed the lower chamber during a plenary meeting by a majority vote, with support from the ruling camp and the main opposition Constitutional Democratic Party of Japan. The bill is expected to be enacted during the current session of parliament ending in June after being sent to the House of Councilors.

The level of basic pension benefits for all citizens is expected to decrease by about 30% in three decades due to the country’s shrinking and aging population.

The revised bill, submitted jointly by the ruling coalition of the Liberal Democratic Party and Komeito, plus the CDP, features a supplementary provision that calls for shoring up basic pension benefits through the use of reserve funds from the kōsei nenkin public pension program for corporate and government workers that pay additional benefits, if the 2029 review of public pension finances predicts a significant decrease in basic pension benefits.

The government initially sought to include a basic pension improvement plan in the pension reform bill but eventually dropped it following criticism among some LDP members that the planned measure would be a misappropriation of kōsei nenkin funds.

The government came under fire for the removal of the improvement plan. This led the LDP and Komeito to accept a CDP proposal to revise the bill to put back the plan.

Read more: Important Changes to the Nenkin Refund Law for Foreigners in Japan (Updated May 16, 2025)

Thank you for taking the time to read this article. If you found the content helpful, please don’t forget to share it with your family and friends so they can also stay informed about the latest updates on Nenkin refund rights.

If you need specific advice on the Nenkin refund procedure or related services, don’t hesitate to contact HSB JAPAN for quick and professional support.

HSB JAPAN Co., LTD
〒130-0026
東京都墨田区両国1-3-12 (925両国第2ビル)
📧 Email: tax_pension@hsbjapan.com
☎️ Tel / fax: 03-5937-2465

Don’t Forget To Pay Residence Tax: What Every Foreigner Should Know

Living and working in Japan comes with various tax obligations, one of the most important being the resident tax. For many foreigners, understanding how and when to pay this tax can be confusing — especially when switching jobs or planning to leave Japan.

In HSB JAPAN‘s blog, we’ll walk you through everything you need to know about the resident tax system in Japan: who it applies to, how much you need to pay, how to make payments, and important procedures in special situations.

1. What Is Resident Tax in Japan?

Resident tax (住民税 – jūminzei) is a local tax imposed on individuals who have a domicile in Japan as of January 1 and earned income above a specific threshold during the previous year. This applies to all residents — including foreigners — even if they leave Japan after January 2.

Failure to pay this tax can have serious consequences, such as being unable to renew your visa or residency status in Japan.

Residence Tax In Japan For Foreigners: An Easy 2025 Guide | MailMate

2. How Is Resident Tax Calculated?

The amount of resident tax is based on the total income earned from January 1 to December 31 of the previous year. Your local municipal office will assess the tax amount and issue payment notices.

3. Methods of Paying Resident Tax

There are two main ways to pay resident tax in Japan:

3.1. Salary Deductions (Special Collection)

For employees working in a company, this is the default method. The company deducts the resident tax directly from the employee’s salary each month and remits it to the municipality. In this case, the employee does not need to deal with payment procedures directly.

3.2. Direct Payment (General Collection)

If you’re not working for a company or have left your employer, you will receive a payment slip from the municipal office around June. You must pay the amount shown directly at a financial institution.

HOW TO GET THE RESIDENCE TAX EXEMPTION IN 2023 – HSB JAPAN

4. Important Situations to Note

4.1. Leaving Your Employer

If you leave your job mid-year and your resident tax was being paid through salary deductions, there are two ways to settle your remaining tax balance:

4.2. Leaving Japan

If you’re planning to leave Japan permanently and cannot pay the resident tax before departure, you must appoint a tax agent (税理士) to handle your tax affairs and inform your local municipal office. This is a legal requirement and essential to avoid issues with future re-entry or visa renewal.

5. FAQs About Resident Tax in Japan

What is Residence tax? Are foreign nationals required to pay? - JN8【japan navi 8】JN8【japan navi 8】

Q1: Do I Have to Pay Resident Tax if I Lived in Japan as of January 1?

Answer:
Yes. If you had a domicile in Japan on January 1 and earned income during the previous year, you are legally obligated to pay resident tax. However, the amount may be reduced or exempted depending on your income or family circumstances.

Some international students or individuals from countries that have tax treaties with Japan may be eligible for exemptions. Contact your local municipal office for clarification.

Q2: How Do I Know Which Payment Method Applies to Me?

Answer:
If you are employed at a company, you are generally subject to the special collection method. By May 31 each year, your employer will provide a document titled:
“Notification of result and changes of the special collection tax notice to income earners”, detailing your resident tax status.

Q3: What Is the Procedure for Lump Sum Collection?

Answer:
If you leave your company between June 1 and December 31, you can choose to:

If you leave the company between January 1 and May 31, the lump sum collection will be applied automatically or the special collection continues if your employer agrees.

Q4: Who Can Be a Tax Agent and How to Appoint One?

Answer:
A tax agent can be any resident in Japan — often a friend, family member, or professional accountant — who acts on your behalf in tax matters. Each municipality has different rules regarding qualifications and required documentation, so it’s best to consult your local municipal office directly.

Conclusion

Resident tax is a crucial part of living and working in Japan, and understanding your obligations can save you from legal and financial trouble — especially during job changes or international moves. Be proactive: confirm your payment method, keep track of your municipal notices, and seek help when needed.

Need Help Navigating Resident Tax in Japan?

Whether you’re unsure about your payment status or preparing to leave Japan, getting expert guidance is essential. Contact HSB JAPAN – the trusted tax representative with over 15 years of experience supporting foreign residents in Japan.

HSB JAPAN Co., LTD
〒130-0026
東京都墨田区両国1-3-12 (925両国第2ビル)
📧 Email: tax_pension@hsbjapan.com
☎️ Tel / fax: 03-5937-2465
#HSBJAPANN #nenkinrefund #pensionlumpsum #taxrefund #japan

Japan to Introduce Free Childbirth Policy Starting in 2026

Japan, a country facing one of the world’s lowest birth rates and a rapidly aging population, is confronting major social and economic challenges in the coming decades. For years, the Japanese government has implemented various policies to encourage higher birth rates, but their effectiveness has remained limited. In this context, the Ministry of Health, Labour and Welfare (厚生労働省) has officially proposed a groundbreaking new policy: full coverage of childbirth costs starting from the fiscal year 2026.

This policy marks a significant step forward in reducing the financial burden on families while promoting childbirth as an essential part of ensuring Japan’s sustainable social development. In this article, HSB JAPAN will provide a comprehensive and detailed look at the policy, the reasons behind its implementation, its specific components, as well as the challenges and public responses surrounding this initiative.

1. Background and Objectives of the Policy

Mỹ: Phụ nữ ngày càng ngại sinh con

1.1 Declining Birth Rate – A Major Challenge for Japan

Japan is currently facing a rapid aging population and a record-low birth rate. The country’s average fertility rate stands at only around 1.3 children per woman—far below the replacement level of 2.1. Projections indicate that Japan’s population will shrink from approximately 125 million in 2020 to about 88 million by 2065. This demographic decline poses serious consequences for the labor force, social security systems, and long-term economic development.

1.2 Childbirth Costs – A Significant Barrier for Young Families

One of the main reasons couples hesitate to have children is the high cost associated with childbirth and newborn care. According to surveys, the average cost of a normal delivery in Japan has risen to around ¥518,000 (approximately 90 million VND) over the past decade. A large portion of these costs is not covered by national health insurance. Additionally, optional services such as private rooms, painless delivery, and added amenities further increase the total expense, making childbirth a financial burden for many young families.

1.3 Main Objectives of the Policy

The Japanese government hopes that offering free childbirth will:

2. Detailed Content of the Free Childbirth Policy Starting in 2026

Có thể là hình ảnh về 2 người và văn bản cho biết 'HSB HSBJAPAI HSB JAPAN GOOD NEWS: CHILDBIRTH IN IN JAPAN WILL BE FREE STARTING IN 2026! HSB JAPAN NEWS'

2.1 Free Coverage for Natural Childbirth

According to the draft announced by Japan’s Ministry of Health, Labour and Welfare, starting from the 2026 fiscal year, the cost of natural childbirth will be fully covered by public health insurance. Currently, only cesarean (surgical) deliveries are covered under the national insurance scheme, while natural births are not. This marks a significant improvement that will relieve families of the heavy financial burden typically associated with giving birth.

2.2 Increased Lump-Sum Childbirth Allowance (出産育児一時金)

In addition to insurance coverage for delivery costs, the government plans to increase the lump-sum childbirth allowance to provide extra support for families. Since April 2023, this allowance has already been raised from ¥420,000 to ¥500,000. However, with childbirth expenses continuing to rise, this amount still falls short of covering actual costs, leaving many families under financial strain. By increasing the allowance and combining it with full insurance coverage for childbirth, the government aims to significantly improve the support available for new parents.

2.3 Ensuring the Quality of Medical Services

The Japanese government emphasizes that cost reduction will not come at the expense of healthcare quality. The free childbirth policy will be implemented alongside measures to ensure that medical facilities have sufficient resources, staff, and equipment to provide the best care for mothers and newborns. This includes maintaining and expanding a skilled workforce of obstetricians, midwives, and specialized healthcare professionals. The goal is to deliver safe, high-quality maternity care nationwide while alleviating financial burdens.

3. Challenges in Implementing the Policy

Tỷ lệ sinh ở Nhật Bản có thể đạt mức thấp kỷ lục vào năm 2024

3.1 Regional Disparities in Childbirth Costs

Childbirth costs in Japan vary significantly between regions. For example, the average cost of a natural delivery in Tokyo exceeds ¥620,000, while in Kumamoto Prefecture it is only around ¥388,000. This disparity poses a major challenge in establishing a standardized insurance reimbursement rate nationwide. To address this, the Ministry of Health, Labour and Welfare has proposed a flexible pricing mechanism that adjusts based on regional conditions rather than enforcing a rigid, uniform rate across the country.

3.2 Concerns from Medical Facilities and Doctors

Some healthcare providers have expressed concern that a standardized insurance reimbursement rate may not cover actual operational costs—especially in urban areas where expenses are higher. According to a survey conducted by the Japan Society of Obstetrics and Gynecology, about 7.6% of medical institutions indicated they might stop accepting natural births if insurance caps were imposed.

Additionally, fixed pricing could limit the ability of hospitals to offer optional services, such as epidural anesthesia (painless delivery) or private birthing rooms. This could lead to dissatisfaction among patients and reduce service diversity in maternity care.

3.3 Issues Related to Painless Birth and Optional Services

Painless birth (epidural anesthesia during labor) is increasingly popular among expectant mothers, but it is currently not covered by public health insurance. Some local governments, like Tokyo, have started offering subsidies of up to ¥100,000 for this service starting in October 2024. However, expanding insurance coverage to include such specialized services remains a contentious issue, as it requires dedicated medical personnel and specialized equipment. Balancing quality, accessibility, and cost-efficiency continues to be a challenge in policy implementation.

4. Opinions and Feedback about new policies

日テレNEWSセレクト 5月13日(火)放送分 【解説】なぜ今？ 出産費用“無償化”早ければ2026年度にも｜報道／ドキュメンタリー｜見逃し無料 配信はTVer！人気の動画見放題

4.1 Positive Feedback from Families and Social Experts

Many families and social experts support the free childbirth policy, viewing it as a necessary and timely solution to address the low birth rate issue. Reducing childbirth costs will provide a financial incentive for couples to feel secure about having children, especially in the context of rising living expenses.

4.2 Concerns from the Healthcare Sector and Obstetricians

As mentioned earlier, many doctors and medical institutions oppose the full insurance coverage of natural childbirth costs unless there is careful calculation of pricing and compensation mechanisms. They warn that without proper support, some hospitals may stop accepting expectant mothers, which could negatively impact future medical care.

4.3 Financial Issues and the Burden on Social Insurance

The funding for the free childbirth policy will come from the social health insurance fund, contributed by workers and businesses. However, insurance premiums are steadily increasing and have reached a record high (9.34% in 2025 for health insurance organizations of large enterprises). This poses a challenge in balancing citizens’ benefits with the financial burden on the current working generation.

5. Prospects and Supplementary Measures

5.1 Flexible Regional Support

The Japanese government is considering implementing a flexible mechanism that adjusts costs according to each region, based on local healthcare infrastructure and expenses. This aims to prevent imbalances and help medical facilities maintain efficient operations.

5.2 Enhanced Communication and Cost Transparency

One key proposal from experts is to increase transparency regarding childbirth costs and services. This would help families make informed choices while fostering healthy competition among medical institutions.

5.3 Investment in Healthcare Workforce Development

To ensure quality services, Japan needs to continue investing in training obstetricians, midwives, and healthcare workers, especially in underserved areas. Attracting young medical professionals and improving working conditions will help reduce pressure on the healthcare system.

6. Conclusion

Japan’s move to provide free childbirth from 2026 is a groundbreaking policy demonstrating a strong commitment to addressing the declining birth rate and aging population. This comprehensive solution aims to reduce the financial burden on families and create favorable conditions for couples to have children confidently.

However, the policy also faces significant challenges—from balancing costs and ensuring service quality to managing healthcare sector reactions and social insurance finances. Success will require close coordination among government agencies, healthcare providers, the public, and other stakeholders.

If implemented effectively, the free childbirth policy will play a crucial role in sustaining Japan’s social development and could serve as a valuable model for other countries facing similar demographic issues.

Detailed information will be announced by Japan’s Ministry of Health in the near future. HSB JAPAN will provide full updates once official decisions are made so that everyone can prepare well for the upcoming changes.

Contact us now for consultation on maternity benefits!

HSB JAPAN Co., LTD
〒130-0026
東京都墨田区両国1-3-12 (925両国第2ビル)
📧 Email: tax_pension@hsbjapan.com
☎️ Tel / fax: 03-5937-2465
#HSBJAPANN #nenkinrefund #pensionlumpsum #taxrefund #japan

Important Changes to the Nenkin Refund Law for Foreigners in Japan (Updated May 16, 2025)

On May 16, 2025, Japan’s Ministry of Health, Labour and Welfare (MHLW) issued a significant revision regarding the refund of Nenkin (the national pension insurance) for foreigners living and working in Japan. These are the most substantial changes in recent years concerning Nenkin refund policies, directly impacting the rights of many foreign workers currently employed in Japan. In the article below, HSB JAPAN will help you understand the new updates, key points to be aware of, and how to best prepare to ensure your rights are protected.

1. What is Nenkin? Why is the Nenkin refund important?

Nenkin (年金) is Japan’s national pension insurance system, managed by the Japanese government to provide income security for individuals after retirement. By law, all legal residents in Japan—including foreigners—who work and contribute to social insurance are required to participate in the Nenkin system.

However, not everyone stays in Japan long enough to receive monthly pension payments after retirement. Therefore, the Nenkin refund system was created to allow foreigners who permanently leave Japan to claim back a portion of the pension contributions they paid.

According to the Ministry of Health, Labour and Welfare, the Nenkin refund is a right granted to foreigners who have contributed to the system for a certain period. It enables them to reclaim part of the accumulated pension contributions from their time working in Japan.
(Source: MHLW – Japan Pension Service)

2. New Regulations Issued on May 16, 2025: Two Major Changes

Có thể là hình ảnh về văn bản

2.1 Ineligible to Apply for Nenkin Refund If Holding a Valid Re-entry Permit

One of the most notable updates in the new Nenkin regulation is the rule concerning the Re-entry Permit. Previously, foreign workers could return to their home country temporarily and still submit a one-time Nenkin refund application, regardless of whether they held a valid re-entry permit. However, under the new regulation, this condition has changed significantly.

Specifically, foreign workers who leave Japan while holding a valid re-entry permit will not be eligible to receive the one-time Nenkin refund until the permit expires. In other words, you must leave Japan permanently, without holding any valid document that allows you to return, in order to qualify for the refund.

Impact on Foreign Workers

This change directly affects individuals planning to temporarily return to their home country to apply for the Nenkin refund, and then come back to Japan under a new visa or program. Under the new rule, such cases will not be eligible for Nenkin processing until the re-entry permit expires completely—which can take several months to a year, causing delays and complications.

Notably, if a worker is unaware of this change and applies too early, their application may be rejected or subject to additional explanation requests by the authorities—resulting in wasted time and potential disruption to their post-departure financial plans.

2.2 Extension of Refund Eligibility Period from 5 Years to 8 Years

In addition to changes in residency conditions, another key update in the new Nenkin regulation is the extension of the maximum contribution period eligible for refund—from 5 years (60 months) to 8 years (96 months). This change is beneficial for long-term foreign workers in Japan.

Currently, even if a foreign worker contributes to Nenkin for more than 5 years, the refund amount is calculated based on a maximum of 60 months. Contributions beyond that limit are not refunded, which has disadvantaged many workers—especially those who have worked in Japan for 6 to 10 years but are ineligible for monthly pension payments.

Under the new regulation, the calculation cap will be increased to 96 months, meaning workers who contributed Nenkin for 6–8 years will now be refunded based on their actual contribution period, resulting in significantly higher payouts.

Specific Impact

According to the Japan Pension Service’s calculation method, the refund amount depends on both the duration of contributions and the insured income level. With the limit extended to 96 months, the refund amount could increase by hundreds of thousands of yen—a substantial amount for many foreign workers.

For example, someone who contributed Nenkin for 60 months might currently receive approximately ¥600,000–¥800,000, whereas under the new rule, a worker with 96 months of contributions might receive up to ¥1,000,000–¥1,300,000, depending on their average salary and the calculation formula used.

“The extension of the maximum refund period from 5 years to 8 years will apply to foreign nationals enrolled in the pension system from the date the new law takes effect, aiming to enhance the rights of long-term workers.”
(Source: Ministry of Health, Labour and Welfare, 2025)

3. Implementation Timeline for the New Regulations

Although the revised draft has been officially released, the exact date for enforcement of the new regulations has not yet been finalized. According to an announcement from Japan’s Ministry of Health, Labour and Welfare, the changes will come into effect within a maximum of four years from the date the law is officially enacted.

The official document issued by the Ministry also notes:

“These changes will be stipulated by a government ordinance and will take effect on the date specified in that ordinance, within four years from the date the law is announced.”

Figure: Outline of the proposed bill to amend the National Pension Act etc. to strengthen the function of the pension system in light of socio-economic changes

It is expected that the new regulations will be enacted within four years from May 16, 2025.
This means that foreign workers will still have some time to prepare and adjust their residency plans, but should not delay for too long, as the changes could come into effect at any time within that period.

4. Advice for Foreign Workers in Japan

If you have contributed to Nenkin for 60 months (5 years) or more, now is a good time to start considering the refund process as soon as possible. With the new regulations expected to take effect within the next four years, taking early action can help you:

5. Conclusion

The revision of the Nenkin refund law, announced by Japan’s Ministry of Health, Labour and Welfare on May 16, 2025, marks a significant step in protecting the rights of foreign workers in Japan. These changes not only aim to create a fairer refund system, but also encourage long-term contributions and engagement from the foreign workforce.

6. Further Information and Updates

To stay informed and up to date on these policy changes, you can visit the official websites below:

Stay proactive and informed to protect your benefits.

Thank you for taking the time to read this article. If you found the content helpful, please don’t forget to share it with your family and friends so they can also stay informed about the latest updates on Nenkin refund rights.

If you need specific advice on the Nenkin refund procedure or related services, don’t hesitate to contact HSB JAPAN for quick and professional support.

HSB JAPAN Co., LTD
〒130-0026
東京都墨田区両国1-3-12 (925両国第2ビル)
📧 Email: tax_pension@hsbjapan.com
☎️ Tel / fax: 03-5937-2465

Japan Cabinet Approves Pension Reform Bill: 1.06 Million Yen Income Cap Set for Debate in Parliament

On May 16, 2025, the Japanese Cabinet approved a bill to partially amend the National Pension Act and related laws, aiming to strengthen the pension system in response to social and economic changes. The bill will now move forward for deliberation in the National Diet.

This proposed reform seeks to address the increasingly diverse range of working styles, lifestyles, and family structures in Japan. Its goal is to enhance the pension system’s ability to ensure income security and stability in old age—for both current and future recipients. Below, we’ll break down the key points of the reform, including the scheduled dates for implementation.

Table of contents

I. Overview of the Pension System Reform Bill and Implementation Dates

  1. Expansion of Social Insurance Coverage (Removal of the 1.06 Million Yen Income Cap)
  2. Revision of the In-Employment Old-Age Pension System
  3. Changes to Survivor’s Pension System
  4. Increase in the Wage Cap Used to Calculate Premiums and Pension Amounts
  5. Revision of the Child Addition Benefit

II-  Other Key Revisions

  1. Revisions to the Private Pension System
  2. Changes to the Lump-Sum Withdrawal Payment System
  3. Allowing Deferral of Old-Age Pension for Survivor’s Pension Recipients
  4. Extension of the National Pension Payment Grace Period
  5. Expansion of Eligibility for Voluntary Enrollment in the National Pension for Seniors
  6. Extension of the Deadline to Claim Pension Division at Divorce

I. Overview of the Pension System Reform Bill and Implementation Dates

According to the official website of the Ministry of Health, Labour and Welfare, the proposed amendments cover a wide range of areas, with the main points outlined as follows:

  1. Expansion of social insurance coverage (removal of the 1.06 million yen income cap)
  2. Revision of the in-employment old-age pension system
  3. Changes to the survivor’s pension system
  4. Increase in the wage cap used to calculate premiums and pension amounts
  5. Revision of the child addition benefit

It’s important to note that each of these changes has a different scheduled implementation date.

Regarding the purpose of the reform, the Ministry explains:
“The aim is to strengthen the functions of the pension system in light of social and economic changes by creating a system that is neutral to working styles and gender differences, and responsive to the diversification of lifestyles and family structures. At the same time, the reform seeks to ensure financial stability in old age through enhanced income redistribution and the expansion of private pension systems.”

1. Expansion of Social Insurance Coverage (Removal of the 1.06 Million Yen Income Cap)

The government is reviewing the eligibility requirements for enrollment in Employees’ Pension Insurance and Health Insurance for part-time workers at small and medium-sized enterprises and for those working at sole proprietorships.

Until now, the conditions for part-time and short-hour workers to join social insurance included prescribed weekly working hours, monthly wages of 88,000 yen or more, employment at companies with more than 50 employees, and not being a student.

Under the current revision, these requirements will be simplified.

Specifically, the “wage requirement” (monthly earnings of 88,000 yen or more) will be abolished. This change responds to concerns over the so-called “1.06 million yen annual income barrier.” The timing of enforcement will be decided by a government ordinance within three years after the law is promulgated, based on the situation of regional minimum wage increases across the country.

In other words, once the wage requirement is removed, anyone working 20 hours or more per week will be eligible for social insurance coverage. However, since minimum wages continue to rise, trying to earn less than 88,000 yen per month while working 20 hours or more would mean earning an hourly wage of 1,015 yen or less. Considering ongoing minimum wage increases, this effectively means the wage requirement has already been practically abolished.

Next, the company size requirement will be gradually eliminated. Currently, only part-time workers at companies above a certain size are eligible for social insurance. This will be phased out over 10 years, so that ultimately, part-time workers who work 20 hours or more per week will be covered regardless of their employer’s size.

The eligibility expansion schedule is as follows:

Additionally, the scope of sole proprietorships required to enroll in social insurance will be broadened.

Currently, only sole proprietorships employing five or more people in 17 legally designated industries are subject to social insurance. From October 2029, in principle, all sole proprietorships employing five or more people will be subject to coverage, regardless of industry.

However, transitional measures will exclude existing businesses at the time of enforcement in October 2029 for a certain period.

Support measures for newly covered individuals and employers are also being considered, but it should be noted that these may be temporary.

As support for employers, a program is being considered to provide career advancement subsidies (up to 750,000 yen per employee) to those who increase employee income through longer working hours or wage raises. This is planned for implementation within fiscal 2025.

For workers, a special, temporary transitional measure will be introduced to reduce their insurance premium burden to a government-set ratio for three years, aiming to reduce adjustments in working hours to avoid insurance costs.

2. Revision of the In-Employment Old-Age Pension System

With the increasing number of elderly people working while receiving pensions and to address labor shortages, the government will revise the in-employment old-age pension system.

The in-employment old-age pension system reduces pension payments for elderly workers who earn a certain level of wages. Under the current system, if the combined amount of an elderly worker’s monthly wages (including one-twelfth of annual bonuses) and their Employees’ Pension exceeds 500,000 yen, half of the excess amount is deducted (pension payment is reduced).

Under the proposed revision, the income threshold for pension reduction will be raised from the current 500,000 yen to 620,000 yen. This new threshold is designed with the assumption of individuals who continue working while receiving a pension and earn wages comparable to the average salary of people in their 50s.

This revision is scheduled to take effect from April 2026.

3. Revision of the Survivor’s Pension

The survivor’s pension is a pension received by surviving family members when a person insured under the Employees’ Pension Insurance or the National Pension system passes away. There are two types of survivor’s pensions: the Basic Survivor’s Pension (遺族基礎年金) and the Employees’ Survivor’s Pension (遺族厚生年金), which differ in eligibility requirements and who qualifies as a beneficiary.

The main goal of revising the Employees’ Survivor’s Pension is to eliminate gender disparities. Under the current system, there were differences between men and women regarding the eligibility conditions and benefit periods for spouses without children to receive the Employees’ Survivor’s Pension.

Under the revised system, spouses without children who are under 60 years old (wives or husbands between the ages of 20 and 50 without children under 18) will generally be eligible for a fixed-term benefit for five years. Additionally, men under 55 without children, who were previously excluded, will become newly eligible.

The system will also consider fixed-term beneficiaries by, for example, increasing old-age Employees’ Pension benefits through death-related pension division and introducing a new fixed-term benefit supplement. The income requirement will be removed, allowing recipients to receive benefits regardless of their earnings.

If necessary, there will be mechanisms to continue benefits beyond the five-year period. Those who already have the right to receive benefits, elderly people aged 60 or older, and spouses aged 20 to 50 with children under 18 will maintain their current benefit conditions. These changes will be phased in over 20 years starting from April 2028.

Regarding the Basic Survivor’s Pension, it will be revised so that children can receive benefits regardless of the circumstances of the caregiver.

This means that children eligible for the Basic Survivor’s Pension will be able to receive it without being affected by factors such as the remarriage of the surviving parent, the parent’s income exceeding the threshold, the child being adopted by a direct relative or similar, or the child being taken in by a former spouse after the parent’s death.

4. Raising the Wage Cap Used for Calculating Insurance Premiums and Pension Amounts

In the Employees’ Pension Insurance system, insurance premiums and pension amounts are basically calculated based on wages (remuneration). However, there is an upper limit set on the “standard monthly remuneration” used as the basis for these calculations.

Currently, the upper limit for the standard monthly remuneration is 650,000 yen. For those earning wages above this limit, the effective insurance premium rate relative to their actual wages has been lower.

The Ministry of Health, Labour and Welfare explains the purpose of this revision as: “to ensure contributions are made in accordance with wages and to enhance future pension benefits.”

Specifically, the upper limit of the standard monthly remuneration will be raised in stages. It will increase from the current 650,000 yen to 680,000 yen (starting September 2027), then 710,000 yen (September 2028), and finally 750,000 yen (September 2029).

While insurance premiums for individuals and companies falling under the new upper limits will increase, future pension benefits will also rise accordingly.

5. Revision of the Child Addition

The pension system includes a provision to increase the pension amount for pension recipients who are raising children. Under the current system, pension recipients with children already receive this addition, but the upcoming revision will raise the amount of the child addition.

Currently, based on the fiscal year 2024 annual amounts, the addition is 234,800 yen per year for the first and second child, and 78,300 yen per year for the third child and beyond. After the revision, the addition will be a uniform 281,700 yen per year for each child. This increase will apply also to those who are currently receiving pensions.

In addition, people who currently receive only the old-age basic pension, which did not include a child addition, will also become eligible for this addition. These revisions are scheduled to take effect from April 2028.

II. Other Major Revisions

In addition to the main revisions mentioned above, there are several other changes.

1. Revision of the Private Pension System

Regarding the individual-type defined contribution pension plan (iDeCo), under the current system, only National Pension insured persons who are not yet receiving the old-age basic pension or old-age benefits from iDeCo can join. Due to differences in working styles, there are variations in the upper age limits for joining.

To create a simpler and more understandable system, the eligibility requirements will be expanded. Specifically, the revision plans to allow people aged 60 and over but under 70—who wish to continue using iDeCo for building retirement assets and who are not yet receiving the old-age basic pension or iDeCo old-age benefits—to join or continue contributions to iDeCo.

2. Revision of the Lump-sum Withdrawal Payment System

The Lump-sum Withdrawal Payment system is designed with the specific circumstances of foreigners in mind, who often have short stays in Japan and whose insurance premium payments may not easily lead to receiving old-age pension benefits. The payment is made as a lump sum based on the insured period (with a current maximum payment period of 5 years), and receiving this payment cancels the insured period accrued up to that point.

However, considering the trend of longer stays by foreigners, there is discussion about raising the maximum payment period from the current 5 years to 8 years. Additionally, for foreigners who may spend their old age in Japan, if they leave the country with a re-entry permit, they will not be able to claim the Lump-sum Withdrawal Payment during the validity period of that permit.

3. Allowing Deferment of Old-Age Pension for Survivors’ Employees’ Pension Recipients

Until now, people receiving survivors’ employees’ pension (遺族厚生年金) were not allowed to defer the receipt of their own old-age pension. However, considering the increased employment of elderly people and from the perspective of allowing them the option to increase their pension benefits, it is planned to permit survivors’ employees’ pension recipients to apply for deferment of their old-age pension benefits. This revision is scheduled to be implemented in April 2028.

4. Extension of the National Pension Payment Deferral System

Until June 2030, eligibility for the deferral system has been determined based on the income of the individual and their spouse, regardless of the income of the household head they live with. This system allows for the deferred payments to be made later when the individual is actually able to pay the insurance premiums.

This time, the limited-time measure will be extended for an additional five years, allowing use of the system until June 2035.

5. Expansion of Eligibility for Voluntary Enrollment in the National Pension for Older Adults

For those without entitlement to the old-age basic pension, the system allowing voluntary enrollment in the National Pension after age 65 until the required qualification period is met will be expanded. The eligible birthdate range will be extended to include people born up to April 1, 1975, and the system will be extended accordingly.

6. Extension of the Deadline for Requesting Division of Pension Rights at Divorce

The deadline for requesting division of the Employees’ Pension Insurance records at the time of divorce will be extended from 2 years to 5 years. This change is in line with the extension of the statute of limitations for property division claims under civil law.

Therefore, if you do not intend to stay in Japan long-term, REGISTER TO CLAIM YOUR NENKIN (pension refund) IMMEDIATELY to avoid losing your rights due to a valid re-entry permit.

Contact HSB JAPAN — a trusted Nenkin representative in Japan — now for guidance on the procedures.

HSB JAPAN Co., LTD
〒130-0026
東京都墨田区両国1-3-12 (925両国第2ビル)
📧 Email: tax_pension@hsbjapan.com
☎️ Tel / fax: 03-5937-2465
#HSBJAPANN #nenkinrefund #pensionlumpsum #taxrefund #japan

Japan Officially Revises Maternity Leave Laws from April 2025 – Key Changes Workers Need to Know

Starting from April 2025, Japan will officially implement significant revisions to its Maternity Leave and Family Care Leave laws.
These changes aim to:

In this article, HSB JAPAN will explain the new updates in detail, outline workers’ benefits, and highlight important notes for applying for leave.

Key Changes in Maternity and Family Care Leave from April 2025

1. Paternity Leave Expansion

Nam giới ngại nghỉ thai sản do e sợ bất lợi về công việc - Báo Phụ Nữ

2. Expansion of Childcare Leave Scope

3. Introduction of New Allowance – “Post-Childbirth Leave Support Benefit” (出生後休業支援給付金)

4. New Policy to Support “Reduced Working Hours” Employees

10 lời khuyên cho bà bầu đi làm văn phòng

Why These Changes Are Necessary

Japan is currently facing an alarmingly low birth rate and a shrinking workforce.

Encouraging men to take paternity leave will reduce the pressure on women and create a more equal environment at home.
The Japanese government aims to increase the paternity leave uptake rate from 17.1% in 2022 to 50% by 2025, striving for a more balanced sharing of family responsibilities.

Reactions from Workers and Companies

Workers:

Small and Medium-sized Enterprises (SMEs):

Large Corporations:

Conclusion

The revisions to Japan’s maternity and family care leave laws from April 2025 open up new opportunities for men to actively participate in childcare, elevate the status of women within families, and contribute to improving the country’s birth rate.
Both businesses and individuals need to prepare well to respond effectively to these changes.

Expanding paternity leave is not just a family support policy—it’s a crucial step toward building a sustainable society where work-life balance is attainable.

Có thể là hình ảnh về 1 người và văn bản cho biết 'HSB JAPAN What We Do OUR SERVICES PENSIONLUMPSUMREFUND LUMP SUM REFUND (NENKIN) Contact มร 03- 03-5937-2465 2465 tax ax_pension@hsbjapan.com LEADING IN QUALITY Satisfying EVERY CUSTOMER OMER CUST TAX REFUND (RESIDENCE& INCOME) MATERNITY MATERNITYALLOWANCE ALLOWANCE'

👉 HSB JAPAN is ready to advise and support you regarding your maternity leave rights and benefits.

💡 With HSB JAPAN’s support, you can:
• Receive the full 488,000 yen childbirth allowance even after returning to your home country.
• Combine this process with Nenkin withdrawal without losing benefits.
• Receive clear consultation, fast processing, and no hidden fees.

☑️ HSB JAPAN – 15 years of experience supporting thousands of Vietnamese workers in Japan.
Contact us now for guidance!

Who Can File Tax Returns, Receive Tax Refunds, and Exempt from Filing Tax Returns in Japan?

​Understanding personal tax obligations in Japan is crucial for legal compliance and financial optimization. This article provides a comprehensive guide on who needs to file tax returns, who may be eligible for tax refunds, and who is exempt from filing in Japan.​

1. People who are subject to tax returns

Whether or not you are required to file a tax return depends on your annual income and other conditions. Be sure to check the National Tax Agency’s website to see if you need to file a tax return. Here we will explain the following typical cases in which you will need to file a tax return.

1.1. Self-employed or freelance individuals with an annual income of 480,000 yen or more

The income of people who are not affiliated with a company and work as sole proprietors or freelancers falls under “business income.” First, if your business income for the year is 480,000 yen or more, check whether you need to file a tax return.
This 480,000 yen refers to the amount of the ” basic deduction ” that is deducted from the income of all taxpayers in principle.
If your income for the year is 480,000 yen or less, your income will be 0 yen after deducting the basic deduction amount, so you do not need to file a tax return.

However, if there are other applicable income deductions in addition to the basic deduction or if tax is withheld at source, you may be able to receive a refund by filing a final tax return.

1.2. Those whose salary income for that year exceeds 20 million yen

In principle, salaried workers, such as company employees and part-time workers, do not need to file a tax return individually, as the company will report and pay the income tax on their behalf in the form of year-end adjustment.

However, if your salary income for the year exceeds 20 million yen, you may need to file a tax return as you are not subject to year-end adjustment. After calculating the amount of income tax to be paid, if there is a remaining balance (amount to be paid), you will need to file a tax return individually.

1.3. People whose side job income exceeds 200,000 yen per year

Even if you are a company employee or other salaried worker and have had your year-end tax adjustment done, you may need to file a tax return if your income from a side job or other source other than your main job exceeds 200,000 yen. Please note that the method of calculating the amount of income tax varies depending on the type of income earned from a side job. For example, if you receive a salary from a side job, it is classified as “salary income,” and if you receive a remuneration, it is classified as “business income” or “miscellaneous income.”

1.4. People who receive a certain amount of public pension

If you are receiving a public pension and meet either of the following two conditions, you may be required to file a tax return. Public pension income (if subject to withholding tax) exceeds 4 million yen. The amount of income other than miscellaneous income, including public pension, exceeds 200,000 yen.

In addition to the above, if you are not eligible for the tax return exemption system, you must file a tax return yourself.

2. Individuals Eligible for Tax Refunds by Filing a Tax Return

If you fall under the following categories, there is no penalty for not filing a tax return.

However, you may be able to receive a refund by applying for income deductions or tax credits in your tax return. The following are typical cases in which you may be able to receive a refund in your tax return.

Examples of where you can receive a refund when filing your tax return

① Your medical expenses for the year exceeded 100,000 yen.

② You applied for a housing loan deduction.

③ You made a hometown tax donation.

④ Your business incurred a loss.

⑤ Your assets were damaged in a disaster, theft, or accident (miscellaneous loss deduction).

⑥ You left your job during the year and did not find a new job within the year.

⑦ You did not submit a “Declaration for Receipt of Retirement Income.”

3. Individuals Exempt from Filing Tax Returns

In the case of company employees and part-time workers, as a rule there is no need to file a personal tax return, since the company will carry out the year-end adjustment and will report and pay the income tax on your behalf.

In addition, the following people do not need to file a personal tax return:

Có thể là hình ảnh về 1 người và văn bản cho biết 'HSB JAPAN What We Do OUR SERVICES PENSIONLUMPSUMREFUND LUMP SUM REFUND (NENKIN) Contact มร 03- 03-5937-2465 2465 tax ax_pension@hsbjapan.com LEADING IN QUALITY Satisfying EVERY CUSTOMER OMER CUST TAX REFUND (RESIDENCE& INCOME) MATERNITY MATERNITYALLOWANCE ALLOWANCE'

​Understanding Japan’s tax filing regulations is essential for legal compliance and optimizing your personal finances. With 15 years of experience assisting the Vietnamese community in Japan, HSB JAPAN is committed to:​

Contact us now for the best support!​

Important Notes on Part-Time Jobs in Japan for Foreign Workers

Have you ever considered earning extra income through a part-time job in Japan? Although salaries in Japan are generally stable, you might want additional earnings to cover living expenses or enjoy a more comfortable lifestyle.

In this article, HSB JAPAN will help answer questions about taking on a part-time job while having a full-time position and guide you on how to find a suitable job.

1. Can You Work Part-Time in Japan?

The answer is yes, but it depends on the type of work and the regulations set by both your company and the Immigration Services Agency of Japan. Before taking on a part-time job, consider the following:

Check Your Employment Contract and Company Policies

First, review your employment contract and company regulations (shugyo kisoku/就業規則) to determine whether your employer allows part-time work. If permitted, you may need approval from your manager or HR department. If not, taking on a part-time job could violate your contract and even lead to dismissal.

Most companies do not allow employees to work for competitors, as this can impact trust and result in serious consequences.

Record 1.46 Million Foreign Workers in Japan | Nippon.com

Check Your Visa Type

Each visa type has different rules regarding part-time work:

2. What Is a Work Permit for Part-Time Jobs?

A Work Permit for Activities Outside Visa Status (shikakugai katsudo kyoka/資格外活動許可) is an official approval from the Immigration Services Agency that allows you to work outside your primary visa’s scope. To qualify, you must meet the following conditions:

Making Japan a Country of Choice for Foreign Workers | Nippon.com

There are two types of permits:

Holders of work visas such as Engineer/Humanities/International Services are not allowed to engage in unskilled jobs such as restaurant service or convenience store cashier work.

3. How to Apply for a Work Permit?

If your part-time job requires a permit, you must prepare the necessary documents and submit them to the Immigration Services Agency. The required documents include:

The processing time can take two weeks to two months, and you must not start working while waiting for approval.

4. How to Find a Part-Time Job in Japan?

If you decide to seek a part-time job, consider the following approaches:

5. Do You Need to File Taxes for a Part-Time Income Under 200,000 Yen?

If your annual part-time income is below 200,000 yen, you are not required to file income tax. However, if you apply for medical tax deductions or hometown tax deductions, you must report this income.

Additionally, resident tax (juminzei/住民税) must be paid regardless of your part-time income level.

Many people mistakenly believe that income under 200,000 yen does not need to be declared. To avoid financial risks, consult a tax expert or a reliable service provider.

6. Where to Register for a Reliable Tax Refund Service?

At HSB JAPAN, with over 15 years of experience, we provide income tax and resident tax refund services in Japan, ensuring the following benefits:

Có thể là hình ảnh về 2 người và văn bản

 

Contact HSB JAPAN today for a consultation and efficient tax refund processing.

GET NENKIN FROM ONLY 9,500 YEN – THE BEST PRICE ON THE MARKET WITH A TEAM OF 15 YEARS OF EXPERIENCE

When living and working in Japan, besides enjoying salary benefits, allowances, and quality of life, Vietnamese workers in Japan must also fulfill mandatory obligations similar to Japanese citizens, such as paying income contributions and taxes. Among these obligations, Nenkin (pension system) is one of the most concerning topics for Vietnamese workers. So how can you reclaim your Nenkin at the best price? Let HSB JAPAN guide you through the process in this article!

1. What is Nenkin? How is Nenkin Calculated?

Nenkin (年金) is Japan’s pension system, which requires all workers, including foreign workers in Japan, to participate. If you work in Japan and have an income, you are obligated to pay Nenkin as per government regulations. The main purpose of Nenkin is to ensure a source of income for workers after retirement or when they are no longer able to work.

Hướng Dẫn Lấy Tiền Nenkin Lần 2 Tại Nhật Bản (2024) - Hoàng Hải Blog

There are two types of Nenkin in Japan:

If you are a foreign worker who leaves Japan before reaching the required conditions for pension benefits, you may request a refund of part of your contributions. This process is called Lump-sum Withdrawal Payment.

Nenkin Coefficient Calculation

The amount of Nenkin you can reclaim depends on the number of months you contributed to the system. The calculation follows this table:

Months Paid Months Used for Calculation Nenkin Coefficient
6 – <12 6 0.5
12 – <18 12 1.1
18 – <24 18 1.6
24 – <30 24 2.2
30 – <36 30 2.7
36 – <42 36 3.3
42 – <48 42 3.8
48 – <54 48 4.4
54 – <60 54 4.9
60+ 60 5.5

The amount you receive is calculated as follows:
 Nenkin Refund Amount = Average Monthly Salary × Nenkin Coefficient

2. Conditions to Claim Nenkin

To apply for a Nenkin refund, you must meet the following conditions:

3. Nenkin Refund Process & Required Documents

The Nenkin refund process is divided into two stages: Nenkin First Payment & Nenkin Second Payment.

3.1 Nenkin First Payment

This is the initial refund of part of your contributions to the Japanese pension system.

Required documents:

Processing Time: 4-6 months after submitting the application to Japan.

3.2 Nenkin Second Payment

The second payment is the remaining 20% of your total Nenkin. When you receive the first payment, 20% is deducted as tax. You can reclaim this amount by applying for a tax refund.

Required documents:

Processing Time: 2-4 months after completing the first refund process.

Important Note: You cannot apply for the second refund yourself. You must authorize a representative currently living in Japan to apply on your behalf.

Conditions to Claim Nenkin Second Payment

4. Get Your Nenkin Refund from Just 9,500 Yen with HSB JAPAN

If you don’t have time or find the process too complicated, HSB JAPAN provides a fast and accurate Nenkin refund service at a special price starting from just 9,500 yen – the best price on the market with exclusive benefits!

Nenkin là gì? Những điều cần biết về chế độ Nenkin tại Nhật Bản

Why Choose HSB JAPAN?

How to Apply with HSB JAPAN?

  1. Contact Us – Message or call for a free consultation.
  2. Prepare Documents – Receive detailed guidance on required paperwork.
  3. Submit Application – HSB JAPAN will process everything on your behalf.
  4. Receive Nenkin Refund – The refund will be directly transferred to your account.

Contact HSB JAPAN now for expert guidance and hassle-free Nenkin retrieval!

A Guide to Filing Kakutei Shinkoku (確定申告) Tax Returns in Japan

The tax declaration period in Japan, known as 確定申告 (kakutei shinkoku), takes place annually from mid-February to mid-March.

So, what is kakutei shinkoku? Who is required to file this tax declaration? What documents need to be prepared, and how should the tax declaration be carried out? In this article, HSB JAPAN will help you gain a clearer understanding of these questions.

① What is 確定申告 (kakutei shinkoku)?

This is the process of calculating and declaring taxes based on income earned within a one-year period from January 1 to December 31. The tax declaration for the previous year is conducted between mid-February and mid-March of the following year. During this time, the required documents must be submitted to the local tax office. Depending on the case, some individuals may receive a refund for overpaid taxes during the year.

Thủ tục khai thuế Kakutei Shinkoku 確定申告 | Smiles Mobile Remittance | No.1 Mobile Remittance App In Japan

② Who is required to file a tax declaration?

③ Who is exempt from filing a tax declaration?

④ Who should consider filing a tax declaration?

Although not mandatory, these individuals could benefit by filing, as they might receive tax refunds:

Note: Filing tax declarations is an obligation. Additionally, it allows individuals to claim refunds for overpaid taxes. Failure to file, whether intentional or not, may result in significant penalties. It is important to file within the designated period to avoid overdue penalties.

⑤ Difference between 確定申告 (kakutei shinkoku) and 年末調整 (nenmatsu chousei)

The key difference is:

Employees with a single source of income from their company do not need to file 確定申告. However, those listed in section ② must still file even if their employer conducted the year-end tax adjustment.

⑥ How to file a tax declaration

1. Required documents:

The documents needed may vary depending on individual circumstances, but common ones include:

2. Submission methods:

You can submit documents through:

Check the nearest tax office location here.

Common Japanese Tax-Related Terms

Above is an overview of the kakutei shinkoku tax declaration process.

If you need assistance with your tax refund application, let HSB JAPAN handle it for you! We ensure a professional, fast, and accurate process so you can reclaim your rightful benefits with peace of mind.

Có thể là hình ảnh về 14 người và văn bản

HSB JAPAN PROMISES:
✅ Direct communication with tax authorities, ensuring ACCURATE and FAST processing.
✅ Assistance with complex cases and challenging scenarios.
✅ Clear and transparent contracts, with no hidden fees.
✅ Helping you MAXIMIZE your tax refund.

📩 Contact HSB JAPAN today for a detailed consultation and claim your benefits with confidence!

How to Get the Maximum Nenkin Refund from Japan?

How to Maximize Your Nenkin Refund from Japan? Discover the secrets to optimizing your contribution period and procedures with the support of HSB JAPAN to receive your full benefits quickly and safely.

1. What is Nenkin? Who Can Claim Nenkin Refunds?

Nenkin is Japan’s mandatory pension system for workers, including foreign employees. When you stop working in Japan, you can apply for a partial refund of the Nenkin contributions you have made.

Nenkin đã đóng ở Nhật có được hoàn lại không? Giải thích chi tiết cách để thực tập sinh nhận lại tiền nenkin │ jvisa ❘ Trang thông tin về tư cách

Eligibility for Nenkin Refund:

Nenkin Calculation Formula: Nenkin Refund = Average Monthly Salary × Nenkin Factor

No. Contribution Period Nenkin Factor
1 6 – less than 12 months 0.5
2 12 – less than 18 months 1.1
3 18 – less than 24 months 1.6
4 24 – less than 30 months 2.2
5 30 – less than 36 months 2.7
6 36 – less than 42 months 3.3
7 42 – less than 48 months 3.8
8 48 – less than 54 months 4.4
9 54 – less than 60 months 4.9
10 60 months or more 5.5

2. How to Maximize Your Nenkin Refund

2.1. Plan Your Contribution Period Wisely

2.1.1. Nenkin is calculated in multiples of 6 months. For example:

Ensure your contribution periods are 6, 12, 18, 24,… months to avoid losses.

2.1.2. Maximum Contribution Limit of 5 Years:

2.2. Choose a Reliable and Professional Service

Handling the Nenkin refund process on your own can be time-consuming and challenging, leading to potential issues such as:

Be cautious of unreliable services, as you may risk losing both your first and second Nenkin refunds.

Warning signs of unreliable service providers:

Why Choose HSB JAPAN?

Có thể là hình ảnh về 2 người và văn bản

With 15 years of experience, HSB JAPAN has successfully assisted over 50,000 cases in claiming pension lump sums and tax refunds in Japan. We take pride in being a reliable partner, helping Filipinos and other nationalities reclaim their rightful refunds quickly and hassle-free.
By choosing HSB JAPAN, you will receive the following:
1️⃣ Professional Support: Honest consultation and assistance with any challenges you may encounter.
2️⃣ Transparent Process: Simple, clear, and always on time.
3️⃣ Comprehensive Document Preparation: Save time and effort with our expert support.
4️⃣ Low Fees: No hidden charges, with everything clearly explained upfront.
5️⃣ 100% Success Rate: Ensuring you receive the maximum amount you deserve.

Choose HSB JAPAN to protect your financial rights safely and effectively!

How to Register Dependents to Reduce Residence Tax in Japan

Residence tax (住民税 or juminzei) is a mandatory tax for anyone earning an income in Japan. However, you can reduce or even eliminate your residence tax by registering dependents appropriately, which can help you save money efficiently. In this article, HSB JAPAN explains the process and introduces our professional tax consultancy services to assist you in managing your taxes effectively while living in Japan.

1. What is Residence Tax in Japan?

Residence tax (住民税 or juminzei) is a local tax applied to both Japanese citizens and foreign residents earning an income in Japan. This tax is used to fund essential public services, such as education, welfare, waste management, disaster prevention, and cultural activities within the local municipality.

Anyone earning over ¥1,000,000 annually is generally required to pay residence tax.

To reduce residence tax to zero, you need to adjust your taxable income (給与所得, kyuuyo shotoku) to stay below the exemption threshold (非課税限度額, hikazei gendogaku) set by your city or ward.

2. How to Register Dependents to Reduce Residence Tax

Step 1: Determine Your Taxable Income

Your taxable income is calculated as:
Taxable Income = Total Annual Income – Deductions (insurance, dependents, etc.)

You can calculate your taxable income using online calculators provided by the Japanese Tax Agency. Input your annual income (年収, nenshuu), and it will display your taxable income. Get the link

Đăng ký bao nhiêu người phụ thuộc để thuế thị dân về 0

Step 2: Identify the Residence Tax Exemption Threshold

The exemption threshold varies depending on the number of dependents and the city or ward where you live. Each city is categorized into different zones (e.g., Zone 1, 2, or 3), which determine the exemption levels.

For example, in Tokyo (Zone 1), the exemption threshold is calculated as:
Exemption Threshold = (¥350,000 × Number of Family Members) + ¥100,000 + ¥210,000

The number of family members includes:

Đăng ký bao nhiêu người phụ thuộc để thuế thị dân về 0

Step 3: Compare and Adjust to Reduce Residence Tax to Zero

After determining your taxable income and the exemption threshold, compare the two:
Taxable Income < Exemption Threshold = No Residence Tax

For example:

If your income increases by approximately ¥300,000 annually, adding one more dependent may help you maintain exemption from residence tax.

About HSB JAPAN – Tax, Pension & Visa Consultancy

Navigating Japan’s tax system can be complex, especially for foreign residents. At HSB JAPAN, we specialize in tax refund consultancy, including residence tax, income tax, and pension claims. Our team provides:

Our goal is to simplify the process and help you maximize your savings. Contact HSB JAPAN today to make your financial management in Japan stress-free and efficient.

Có thể là hình ảnh về 2 người và văn bản

We hope this guide helps you understand how to reduce your residence tax in Japan. With the right adjustments and professional support from HSB JAPAN, you can optimize your financial planning and enjoy a more comfortable life in Japan.

What to Do After Arriving in Japan

As Japan reopens its borders for purposes beyond tourism, many individuals are moving to the country for work, study, or other long-term stays. If you’re one of them, it’s essential to prepare for life in Japan. This guide will walk you through the crucial steps to ensure a smooth transition. For expert assistance in navigating tax refunds, pension claims, and visa-related matters, consider HSB JAPAN – your trusted partner in Tax, Pension & Visa Consultancy.

Table of Contents:

  1. Get Your Residence Card
  2. Get Your Train Cards
  3. Make Your Hanko
  4. Make a Bank Account
  5. Get Your Japan Phone Number
  6. Set Up Utilities: Electricity, Gas, and Water
  7. Get Wi-Fi for Your New Home
  8. Separate Your Garbage and Learn the Schedule
  9. Find a Good Remittance Company

1. Get Your Residence Card

Your residence card (在留カード zairyu ka-do) is your official identification in Japan. You must carry it at all times. Upon arriving at major airports such as Narita, Haneda, Kansai, or Chubu, immigration officers will issue your residence card. If you’re entering through another airport, visit the nearest Immigration Bureau to obtain it.

After receiving the card, you must register your address at your local city hall within two weeks. This step is mandatory and ensures your residence card is valid. 

2. Get Your Train Cards

Public transportation in Japan is efficient and widely used. Obtain a train or transit card like Suica or Pasmo on your first day. These cards can be purchased and recharged at any train station. They’re convenient not just for travel but also for payments at vending machines and stores.

You can top up your card at train stations or convenience stores, making it an essential item for daily life.

A Storied Life In Japan

3. Make Your Hanko

Unlike many countries where signatures suffice, Japan uses a hanko (はんこ), a personalized stamp, for signing contracts. You’ll need a hanko for tasks like renting an apartment or setting up a phone plan.

Foreigners can create a custom hanko at specialized shops, with costs varying based on material, size, and complexity. Always carry it alongside your residence card.

4. Make a Bank Account

Opening a bank account in Japan can be challenging, especially if you don’t speak Japanese. Many foreigners opt for Japan Post Bank (ゆうちょ銀行 Yucho Ginkou) due to its accessible process.

Be prepared to answer questions about your purpose for the account and your financial background. This account is crucial for receiving salaries and handling other financial transactions. 

5. Get Your Japan Phone Number

A Japanese phone number is necessary for filling out forms and staying connected. Providers like Rakuten Mobile, Line Mobile, UQ Mobile, and Y! Mobile offer affordable plans. Most staff at these stores may not speak English, so it’s helpful to bring someone fluent in Japanese to assist you.

5 Things I Miss About Living in Japan - GaijinPot

6. Set Up Utilities: Electricity, Gas, and Water

When you move into a new apartment, utilities like electricity, gas, and water are usually not active. Contact the respective companies to schedule activation. They may require a brief visit to your home to set up these services.

7. Get Wi-Fi for Your New Home

Reliable internet is essential. Providers like SoftBank, J:Com, Rakuten, and Nuro offer various plans. Applications can be made online or in-store. Installation appointments are required, so schedule them early to avoid delays. If you’re not fluent in Japanese, seek assistance from someone who is.

8. Separate Your Garbage and Learn the Schedule

Garbage disposal in Japan follows strict rules, with schedules and categories varying by area. Common categories include burnable, non-burnable, bottles, cans, and paper. Garbage should be placed in designated bags and taken out before 8 AM on collection days.

Familiarize yourself with your area’s rules to avoid fines and maintain cleanliness.

9. Find a Good Remittance Company

If you plan to send money to loved ones back home, finding a reliable remittance service is crucial. Look for companies offering competitive rates and convenient processes. HSB JAPAN can also recommend trusted remittance services to help you send money securely and efficiently.

Japan sees record number of women working, but challenges remain - Nikkei Asia

Moving to Japan can be an exciting yet challenging experience. By following these steps, you’ll ensure a smoother transition and start your new life on the right foot. HSB JAPAN is here to assist you with tax, pension, and visa-related matters, ensuring you make the most of your time in Japan. Contact us today for professional and reliable support!

Japan’s Health Insurance System: A Comprehensive Guide

Japan’s healthcare system ensures “Universal Health Insurance Coverage,” mandating that every resident, from newborns to seniors, participates in public health insurance. This coverage also extends to foreign nationals residing in Japan for medium to long-term periods, including workers and students. HSB JAPAN is here to help you navigate and understand this comprehensive healthcare system.

Managed by the government or designated public organizations, the type of insurance you join depends on your employment status and workplace rather than personal choice. Below is a detailed guide to the various types of health insurance available in Japan.

1. National Health Insurance (NHI)

健康保険編　社会保険でもらえる給付金と活用法 | 沖縄求人情報ルーキーweb

Who Should Join?

Enrollment is conducted at the city, town, or village office (shi-cho-son).

Premiums

Premiums vary depending on your income from the previous year in Japan. New international students with no prior income in Japan typically pay the lowest premium. After enrollment, a payment slip will be sent to your address. You can pay the premium at convenience stores or banks.

Important: If you fail to pay the premium, your insurance card becomes invalid, and you’ll have to pay 100% of medical costs upfront at the hospital.

Example:

Additional Benefits:

  1. High Medical Expense Coverage: If your monthly medical expenses exceed a set limit (subject to conditions), the insurance covers the excess amount.
  2. Childbirth Lump-Sum Allowance: You can receive approximately 400,000 yen upon the birth of a child.

2. Employee Health Insurance

Japan Benefits: What to Expect when Accepting a Job in Japan | Tokyo Survival Channel

Who Should Join?

Employees of companies and their families.

Your enrollment is handled by your employer, and your type of insurance depends on your workplace. Examples include:

Premiums and Contributions

Premiums are deducted from your salary, and your employer contributes an equal amount. For instance, if 20,000 yen is deducted monthly from your salary, your employer pays an additional 20,000 yen to the insurance provider.

Key Benefits:

  1. Sickness Allowance: If you’re unable to work due to illness or injury (unrelated to work), you can receive approximately two-thirds of your salary after a three-day waiting period. This includes cases where you recover at home, provided you have a doctor’s certificate.
  2. Childbirth Allowance:
    • Pre-birth leave: 42 days before the expected delivery date (98 days for twins).
    • Post-birth leave: 56 days after childbirth.
    • You can receive two-thirds of your salary during this period.
  3. High Medical Expense Coverage and Childbirth Lump-Sum Allowance: Similar to NHI.
  4. Parental Leave Allowance: Both parents can take leave, but only one can receive this benefit at a time, amounting to about 50% of their salary.
  5. Childcare Support: Up to one year after childbirth, this allowance supports parents who take time off work for child-rearing.

3. Labor Insurance

Labor insurance includes Employment Insurance and Worker’s Accident Compensation Insurance, which are mandatory for employees.

3.1 Employment Insurance

Benefits:

3.2 Workers Accident Compensation Insurance

Coverage:

Keynote:

Conclusion

Japan’s health insurance system provides comprehensive coverage to ensure residents’ well-being. Whether you’re a student, a self-employed individual, or an employee, understanding the benefits and responsibilities associated with each type of insurance is crucial. Always ensure timely enrollment and premium payments to access these benefits when needed.

Có thể là hình ảnh về 14 người và văn bản

With over 15 years of experience, HSB JAPAN offers comprehensive support to interns in managing pensions, tax refunds, and labor rights in Japan. Contact us for expert guidance.

Can Foreign Interns in Japan Take on Part-Time Jobs?

The question of whether foreign interns in Japan are allowed to take on part-time jobs is a common concern for those exploring Japan’s internship and labor export programs. Some claim that interns are strictly prohibited from taking extra work, while others suggest it is permissible. So, what is the accurate answer? Let HSB JAPAN help you explore the details below.

1. Are Foreign Interns in Japan Allowed to Take on Part-Time Jobs?

Foreign interns in Japan are not permitted to engage in other jobs outside their assigned roles after entering the country unless they are granted permission to do so at the time of entry or as per overtime policies specific to their company or organization.

This restriction is based on Japanese labor laws, which stipulate that individuals with specific residence statuses are prohibited from participating in activities or jobs outside the scope of their visa. Violations of these rules can lead to severe penalties, including immediate deportation.
For example, an intern on a construction visa is only allowed to work within the designated field and for the assigned employer. Any external work outside the permitted scope is illegal and could result in deportation if discovered.

Conclusion: Interns are allowed to take on extra work only if it is assigned by their employer. Any unauthorized work outside the registered scope is strictly prohibited.

Can You Force Employees to Work Overtime? - Hourly, Inc.

2. Regulations on Overtime Work for Foreign Interns in Japan

In this section, we delve into the legal framework for overtime work, which is a common way for interns to supplement their income.

Permissible Overtime Hours

According to Japanese labor laws, the permissible working hours for employees, including interns, are as follows:

Overtime Pay Rates

Japanese companies calculate overtime pay based on labor law standards:

For instance, if an intern typically earns 1,000 yen per hour and works 4 overtime hours in the evening, the hourly overtime pay would increase to 1,250 yen (25% extra).

Chế độ Thực tập sinh mới ngành Kỹ thuật Nhật Bản 2024 - Suleco

Additional Notes on Income

Unlike regular jobs, overtime income is not typically subject to deductions for food, insurance, or transportation, allowing interns to retain most of their earnings.

3. Important Considerations for Foreign Interns Taking on Overtime

While interns may legally engage in overtime work, it is essential to follow these guidelines:

10 quyền lợi của Thực tập sinh Nhật Bản mà không phải ai cũng biế

4. Common Questions from Foreign Interns About Overtime

Q1: Which industries offer the most overtime opportunities?
Construction, agriculture, and food processing frequently offer overtime due to their operational demands.

Q2: Can interns take on overtime in a different field?
This depends on the company’s policies and the specific skill set of the intern. Approval from the employer is mandatory.

Q3: Are there work-from-home options for overtime?
Certain fields, such as IT and design, may allow interns to work overtime from home. However, explicit approval is required.

Q4: Can interns switch companies for more overtime opportunities?
Interns can transfer companies under specific conditions, such as employer bankruptcy or mistreatment. However, switching solely to seek additional overtime is not permitted.

Conclusion

Foreign interns in Japan are restricted from engaging in part-time jobs outside their assigned roles unless authorized by their employer. Legal overtime work is allowed and provides a legitimate way to increase income.

Có thể là hình ảnh về 14 người và văn bảnWith over 15 years of experience, HSB JAPAN offers comprehensive support to interns in managing pensions, tax refunds, and labor rights in Japan. Contact us for expert guidance.

Guide to Self-Check Your Nenkin Payment Status in Japan via Nenkin Net

As a resident of Japan, paying taxes and insurance, including Nenkin (pension contributions), is mandatory. This obligation applies to everyone, from students to workers, and directly impacts visa status and residency in Japan. What happens if you forget your payment deadline? This article by HSB JAPAN will guide you on how to check your Nenkin payment status using the Nenkin Net website (年金ネット).

1. What Are Nenkin and Nenkin Net?

a. What is Nenkin?

Nenkin (公的年金制度 – Koteki Nenkin Seido) is a mandatory pension insurance system for all individuals living and working in Japan. It applies to people aged 20–59, regardless of gender, occupation, or nationality. Even foreign residents staying for a short period must enroll in this program.

Upon retirement (after 65 years of age), individuals who have fulfilled their Nenkin payment obligations will receive a pension to support their lives. Additionally, before turning 65, participants may be eligible for other benefits, such as survivor’s or disability allowances, in case of unforeseen incidents.

There are two main types of Nenkin payments in Japan:

Learn more about the pension system in Japan through this detailed guide.

b. What is Nenkin Net?

Nenkin Net is an online platform that allows users to check their Nenkin payment status. Forgetting payment deadlines or missing payments can result in Nenkin arrears, which may impact visa renewal or obtaining permanent residency in Japan.

Through this website, you can check the following information anytime, anywhere:

2. How to Register on Nenkin Net

To begin, you need to create an account on Nenkin Net. Prepare the following information:

Note: If you’ve lost your Nenkin Handbook, contact HSB JAPAN for assistance in retrieving it.

Step 1: Access the Nenkin Net Website

Visit Nenkin Net.

Step 2: Register a New Account

Step 3: Provide Your My Number Information

Access Key (アクセスキー):
This 17-digit code is used to retrieve your Nenkin Net User ID. It is printed on the Nenkin Annual Statement (ねんきん定期便) sent in your birth month each year. The access key is valid for three months from the statement’s issue date.

Once you review the necessary content, check the box agreeing to the 利用規約に同意する terms and click ご利用登録に続ける to proceed.

Step 4: Register Personal Information

Fill out the following 10 fields:

  1. 基礎年金番号入力: Basic Pension Number
  2. 氏名入力: Full Name
  3. 生年月日入力: Date of Birth
  4. 性別選択: Gender
  5. 郵便番号と住所入力: Postal Code and Address
  6. お客様設定パスワード入力: Password for Nenkin Net login
  7. 秘密の質問と答え設定: Security Question and Answer
  8. メールアドレス入力: Email Address
  9. お知らせメール希望: Confirm receiving updates via email by selecting 希望する.
  10. 電話番号入力: Phone Number in Japan

After completing the form, review the information and click 次に進む (入力内容を確認する) to confirm your submission.

Once registered, you can easily check your Nenkin payment status anytime. Taking proactive steps to monitor your payments and ensuring timely contributions is highly beneficial for foreign residents living in Japan. Best of luck!

Có thể là hình ảnh về 2 người và văn bản

Want to receive your Nenkin quickly? Contact HSB JAPAN now!

– With 15 years of experience and over 50,000 successful customes handled

– Preparing your documents online for same-day processing. No complicated procedures

– Commitment to securing 100% of your Nenkin for both 80% and 20% with clear invoices

– Free processing for the first Nenkin application. Fixed all-inclusive fee for Nnekin 2, no hidden costs

– Rest assured you will receive your Nenkin Application in your bank account

– Support available 24/7 to resolve any issues until you receive 100% of your pension lumpsum

How to Register Dependents to Get Exemptions from Resident Tax

Resident tax (住民税) is a mandatory tax for individuals with income in Japan. However, you can reduce or even eliminate your resident tax by appropriately registering your dependents, helping you save more effectively. Let’s explore how with HSB JAPAN in this article.

Table of Contents

1. What is Resident Tax?

Resident tax (住民税) is a type of tax applied to the income of both citizens and foreign residents living in Japan. Its purpose is to ensure funding for local governments. The collected tax is used for education, welfare, waste management, disaster prevention, and cultural activities within the local community.

Anyone earning an annual income of 1,000,000 yen (100 man) or more is required to pay resident tax.

To be exempt from resident tax (i.e., bring it to zero), you typically need to adjust your taxable income (給与所得 – きゅうよしょとく) to be below the non-taxable threshold (非課税限度額 – ひかぜいげんどがく) set by your city or municipality.

2. How Many Dependents Do You Need to Register to Reduce Resident Tax to Zero?

Step 1: Determine Your Taxable Income

First, calculate your taxable income:

Taxable Income = Total Annual Income – Deductions (insurance, dependents, etc.)

You can calculate your taxable income based on your total annual income (給与年収) using the formula provided by your local tax office. Input your income into an online calculator (provided by the Tax Bureau) to get an estimate. Link

cach-dang-ky-nguoi-phu-thuoc-de-mien-thue-thi-dan

Step 2: Identify the Resident Tax Exemption Threshold

The exemption threshold varies depending on the number of dependents you register and the city you live in. Check whether your location falls under Area 1, 2, or 3 for specific thresholds.

For example, in Tokyo (Area 1), if your taxable income is less than:

Family Members (世帯人数) include:

cach-dang-ky-nguoi-phu-thuoc-de-mien-thue-thi-dan

Step 3: Compare and Adjust to Bring Resident Tax to Zero

To eliminate resident tax:

Taxable Income < Resident Tax Exemption Threshold

For example:

If your income increases by around 300,000 yen (30 man) annually, you would only need to add one more dependent to maintain your resident tax exemption.

Conclusion

We hope this article is helpful for those seeking ways to reduce their resident tax! By understanding your income and registering dependents effectively, you can minimize your tax burden and save more for your needs.

Có thể là hình ảnh về văn bản cho biết 'HSB Macntui I HSB JAPAN 3 REASONS CHOOSING FOR NENKIN M명 JAPAN PRESTIGE DEDICATIONS HIGH QUALITY'

Follow HSB JAPAN for more tips on managing taxes and documentation in Japan.

Childbirth Benefits in Japan: A Comprehensive Guide

When expecting a baby in Japan, there are many things to consider, and the financial aspects are often a significant concern. Fortunately, Japan’s healthcare system offers several benefits to help ease the burden of childbirth expenses. One of the most important benefits is the Childbirth and Childcare Lump-Sum Grant. This financial aid can significantly reduce out-of-pocket costs for new parents, making the transition into parenthood more manageable. In this guide, we will explore the details of the Childbirth Lump-Sum Grant, eligibility criteria, the application process, and other related benefits available to residents of Japan.

1. Understanding the Childbirth and Childcare Lump-Sum Grant

The Childbirth and Childcare Lump-Sum Grant (出産育児一時金, Shussan Ikuji Ichiji-kin) is a benefit provided by Japan’s health insurance system. The grant is designed to assist with childbirth expenses and is available to both Japanese nationals and foreign residents who are covered under the national health insurance or an employer’s health insurance plan.

The grant amount typically covers a portion of the delivery expenses, and the specific amount varies depending on the hospital or clinic chosen for delivery. The standard grant is approximately ¥500,000, but it can be slightly less at certain facilities, with some offering a reduction based on the institution’s policies.

2. Eligibility for the Childbirth Lump-Sum Grant

To be eligible for the Childbirth and Childcare Lump-Sum Grant, several criteria must be met:

3. How Much Can You Expect to Receive?

The Childbirth Lump-Sum Grant is designed to cover a portion of the delivery costs, but the actual amount you receive depends on several factors. On average, the grant is approximately ¥500,000 (¥488,000 for foreign workers giving birth in their home country) but it may be lower depending on the specific hospital or clinic.

If the total delivery costs exceed this amount, the expecting parents will need to cover the difference. However, in cases where the expenses are lower than the grant, the remaining amount may be refunded or not fully paid out to the healthcare facility.

4. How to Apply for the Childbirth Lump-Sum Grant

To apply for the Childbirth Lump-Sum Grant, the expecting mother must follow these steps:

  1. Confirm Eligibility: Ensure that you are covered under the appropriate health insurance plan (either public or employer-based).
  2. Pre-Registration with the Insurance Provider: In advance of your due date, contact your health insurance provider to complete the necessary forms and pre-register for the childbirth benefit. Some insurers offer online registration, while others may require an in-person visit.
  3. Submit Required Documents: Depending on your insurer, you may need to submit medical certificates, proof of pregnancy, and other relevant documents. Be sure to check with your insurance provider to confirm the paperwork needed.
  4. Confirmation from the Hospital: Your healthcare provider will typically handle the submission of your benefit application to the insurance provider. They will coordinate directly with the insurer to receive the grant on your behalf, ensuring that the process is streamlined.
  5. Receiving the Grant: After the hospital has submitted the paperwork, the grant is usually paid directly to the healthcare provider. If the delivery expenses are lower than the grant amount, the remaining funds may be refunded to the expecting parents.

5. What If You Have an Unexpected Complication During Childbirth?

In cases where complications arise during childbirth, such as an emergency cesarean section or the need for extended hospitalization, the costs may exceed the standard childbirth fees. In these situations, additional insurance coverage or government benefits may be available.

6. Other Related Childbirth Benefits in Japan

In addition to the Childbirth Lump-Sum Grant, Japan offers several other benefits to help parents manage the financial challenges of having a baby. These include:

7. Practical Tips for Maximizing Your Benefits

Here are some practical tips for ensuring you receive the maximum benefits available when giving birth in Japan:

8. Common Challenges and How to Overcome Them

While Japan’s childbirth benefits are comprehensive, navigating the system can be challenging for foreign residents or those unfamiliar with the process. Some common challenges include:

Conclusion

The Childbirth and Childcare Lump-Sum Grant is an essential financial benefit for parents expecting a child in Japan. By understanding the application process and being proactive in registering for the benefit, you can maximize your financial support and ensure a smoother transition into parenthood. Whether you are a foreign resident or a Japanese national, the process is designed to be straightforward, and with the right information, you can take full advantage of the available benefits. If you need assistance with the application process or have specific questions about childbirth benefits in Japan, don’t hesitate to reach out HSB JAPAN for more support!

Không có mô tả ảnh.

1️⃣ Extensive experience: Over 15 years of service and successful handling of 50,000+ cases.

2️⃣ Clear commitment: 100% of the allowance is transferred directly to the account holder.

3️⃣ Fast processing: Online support for simple, time-saving documentation.

4️⃣ Dedicated support: We handle all issues until the process is complete.

5️⃣ Comprehensive service: Assistance with both maternity benefits and Nenkin retrieval, plus tax refund services.

By incorporating these tips and understanding the full scope of benefits, new parents in Japan can reduce the financial strain of childbirth and focus on their growing families with peace of mind.

What is Gensen? A Simple Guide to Reading the Gensen Paper

Many workers in Japan often wonder what Gensen is, how to obtain it, or why they haven’t received it despite years of working. Don’t worry! HSB JAPAN is here to help decode the issues surrounding the Gensen document. This paper is essential for verifying your income and taxes deducted, and it’s important for tax refunds or other financial matters in Japan. Let us guide you through all the details you need to know!

What is Gensen?

At the end of each year, workers in Japan receive a document detailing their total income and tax deductions. This is called the Gensen Choshu Hyo. It serves as a tax document within Japan’s system, showing the income and taxes paid, and is often used by companies and individuals to verify income and taxes to the authorities.

In December, workers get this document which includes company address, personal details, total amount received, tax deductions, and insurance. It is essential for processing nenkin and tax refunds when returning to Vietnam.

Importance Information on Gensen

Gensen là gì? Hướng dẫn cách đọc giấy Gensen đơn giản | MailMate

  1. Total Income (支払金額): This refers to the total income received from the company, including salary, bonuses, housing allowances, etc.
  2. Taxable Income After Deductions (給与所得控除後の金額): This amount is the income after deductions for necessary work-related expenses, which are not subject to tax. The total income from the first section is reduced by these allowable deductions.
  3. Total Other Income Deductions (所得控除の額の合計額): This includes various tax-exempt deductions:
  1. Total Taxes Paid (源泉徴収税額): Reflects the taxes you have paid, calculated based on taxable income.
  2. Total Social Insurance Payments (社会保険料等の金額): Includes health insurance, pension insurance, unemployment insurance, and workers’ compensation.

Additional Industry Terms:

Other terms include various allowances and deductions such as housing, commuting, overtime, and taxes like health insurance, pension, unemployment, and income tax.

Is the Gensen Important?

The Gensen is essential for claiming a tax refund and is required for applying for Nenkin (pension) refunds. For individuals who earn above 1.03 million yen annually and have dependents, it helps reduce taxes through deductions.

What to Do if You Lose Your Gensen Paper? 

If you lose your Gensen, contact your employer’s administrative or accounting department to request a replacement.

How to Apply for Tax Refund with Gensen

To claim Tax Refund, submit the Gensen along with other required documents like your alien registration card, household registration, and transfer forms.

HSB JAPAN’s Tax Representative service allows you to authorize them as your tax representative to handle procedures at the tax office on your behalf. This ensures that you can easily claim your third Nenkin refund even while abroad.

Conclusion

This guide covers essential information on reading and calculating a Japanese payslip, which is crucial for all foreign trainees in Japan. Make sure to remember these details!

Có thể là hình ảnh về 2 người và văn bản

As mentioned earlier, resident and income taxes are significant deductions, but there are ways to claim refunds or reductions. Contact HSB Japan’s tax refund services for detailed guidance.

Nenkin Refund in Japan: Everything You Need to Know About Japan’s Pension System

Understanding and navigating Japan’s pension system can be tricky, but if you’ve worked in Japan and contributed to Nenkin, you may be entitled to a refund. By working with a trusted service like HSB JAPAN, you can ensure that your Nenkin refund process is as smooth and efficient as possible. Whether you need assistance with your pension lump sum or have questions about your eligibility, HSB JAPAN – we’re here to help!

What is Nenkin? Key Facts About Japan’s Pension System

Nenkin (年金) refers to Japan’s pension insurance system, which is a mandatory contribution for anyone living and working in Japan. The system ensures that people are supported financially in their old age. The system consists of three main types of pensions, each designed for different groups of people.

All residents aged 20 and above are required to participate in the Nenkin scheme, regardless of nationality. However, the specific type of Nenkin someone participates in depends on their employment status and income level. Below is a quick overview of the three main types of Nenkin insurance:

1. Kokumin Nenkin (National Pension)

This is the basic pension system and is mandatory for all Japanese residents aged 20 to 60 years, regardless of their nationality.

2. Kousei Nenkin (Employees’ Pension Insurance)

This pension scheme applies to people working as full-time employees (seishain) in companies.

3. Kyousai Nenkin (Mutual Aid Pension)

This pension scheme is for public employees, teachers at private schools, and some other specific groups.

Có thể là hình ảnh về văn bản

Can You Get a Nenkin Refund?

Yes, it is possible to claim a refund for the Nenkin contributions you have made, but there are certain conditions. If you are a non-Japanese citizen who worked in Japan but are no longer a resident, you may be eligible for a refund.

Eligibility for a Nenkin Refund

To apply for a Nenkin refund, you must meet the following criteria:

How to Apply for a Nenkin Refund

If you meet the eligibility requirements, you can apply for a Nenkin refund after leaving Japan. Here’s how the process typically works:

1. Prepare the Necessary Documents

2. Application Process

Once your documents are submitted, the processing team will prepare your refund application and submit it to the Japan Pension Service. The entire process is usually divided into two payment stages:

3. Payment Methods

Where to Get Help for Nenkin Refunds?

HSB JAPAN is a leading provider of Nenkin refund services in Vietnam. We specialize in helping former workers in Japan—whether you were an intern, engineer, or on a specific visa—retrieve your Nenkin contributions. We offer professional assistance even if you’ve lost your pension book, have outstanding contributions, or encounter other issues.

Why Choose HSB JAPAN?

Có thể là hình ảnh về 14 người và văn bản

For fast and reliable service, contact HSB JAPAN today to get your Nenkin refund started!

Tax Refund in Japan: A Guide for Foreign Workers

If you’re a foreign worker in Japan, whether you’re a student, intern, or engineer, you are required to pay two main types of taxes: Income Tax (Shotokuzei 所得税) and Residence Tax (Juminzei 住民税). By optimizing your understanding of tax refund in Japan, residence tax, and income tax, you can ensure you are not overpaying and make the most of the benefits available.

Below is a simple breakdown of these taxes and how you can apply for a tax refund in Japan.

1. Income Tax (Shotokuzei 所得税)

What is Income Tax? Income tax in Japan is calculated based on your total annual income. If your income exceeds approximately ¥1,030,000 (around 103 man) per year, you will be required to pay this tax. The more you earn, the higher your income tax liability.

At the end of the year, your employer will summarize your actual income and calculate the actual income tax owed, performing the Nenmatsu Chosei (year-end tax adjustment). This process compares the amount of tax already withheld during the year with the actual tax liability based on your total income for the year. If there is a discrepancy, you will either receive a refund or be asked to pay any additional taxes due.

2. Residence Tax (Juminzei 住民税)

What is Residence Tax?

Residence tax, also known as “municipal tax” or “local tax,” is a tax imposed by the local government to fund social welfare and public services like education, waste management, fire services, etc. This tax is applicable to anyone who earns more than ¥1,000,000 (100 man) per year, regardless of whether they are a student, employee, or foreign worker.

Residence tax is based on your income from the previous year. For newcomers in Japan, if you arrive during your first year, your income for the previous year will be considered as ¥0, so you won’t be required to pay this tax in your first year. However, in the second year, local authorities will calculate the residence tax based on your income from the previous year. This tax is collected starting in June of the following year.

Important Notes on Residence Tax:

Example: If you were living in City A on January 1, 2019, and then moved to City B in February 2019, your residence tax for 2019 will be due in City A. The residence tax for City B will start in 2020.

Japanese Income Tax Return Form - fasramateur

Can You Receive Tax Bills from Both Locations?

No, generally, only the local government where you were registered as a resident on January 1 will collect your residence tax. If you have not updated your address after moving, your previous municipality may continue to send you tax bills. Be sure to register your new address promptly to avoid confusion and ensure that you pay the correct amount.

3. Tax Refund for Foreign Workers in Japan

How to Apply for a Tax Refund (Income and Residence Tax)?

The Japanese government allows individuals to apply for a tax refund or exemption if they meet certain conditions, such as sending money for the support of family members living abroad.

How to process Tax Refund and Residents Tax refund in Japan?We have 5 Requirements.#buhayofw

Eligibility for Tax Refunds:

Any taxpayer (regardless of nationality) who has sent money to support family members not residing in Japan may qualify for tax deductions or exemptions. The family members eligible for support are typically those within 6 generations, including spouses and relatives within 3 generations.

Support Conditions:

4. Important Points to Remember

Conclusion

Japan’s tax system can be complex, but with the right information and proper procedures, you can apply for tax refunds and save money. The taxes in Japan can be quite high, so it’s crucial to understand these procedures and take advantage of any eligible tax refund opportunities.

Có thể là hình ảnh về 2 người và văn bản

If you need assistance or are ready to apply for a tax refund, contact HSB Japan’s trusted and professional tax refund services for expert guidance. Call us at 03-5937-2465 for more information or to schedule a consultation.

NOTICE OF HEAD OFFICE RELOCATION

Dear Valued Customers and Partners,

HSB JAPAN is pleased to inform our valued customers and partners of the change in our company address effective from July 23, 2024, as follows:

Old Address: 〒160-0023 東京都新宿区西新宿7-6-8 アイアイビル3F

New Address: 〒130-0026 東京都墨田区両国1-3-12 (925両国第2ビル) 03-5937-2465

From the effective date, please send all correspondence to the new address above. All other functions and information related to our company remain unchanged.

We sincerely thank you for your cooperation and support in the past and look forward to your continued collaboration and support in the future. Thank you very much! Sincerely, HSB JAPAN

Notice of Head Office Relocation
Notice of Head Office Relocation

THÔNG BÁO THAY ĐỔI ĐỊA CHỈ CÔNG TY

THÔNG BÁO THAY ĐỔI ĐỊA CHỈ CÔNG TY HSB JAPAN
Kính gửi: Quý khách hàng, Quý đối tác!
Công ty HSB JAPAN xin quan tâm thông báo đến Quý Khách hàng, Quý đối tác về việc thay đổi địa chỉ trụ sở Công ty đầu Nhật Bản kể từ ngày 23/07/2024 như sau:
Địa chỉ trụ sở cũ:
160-0023 東京都新宿区西新宿 7-6-8アイアイビル3F
Địa chỉ trụ sở mới:
〒130-0026 東京都墨田区両国1-3-12 (925両国第2ビル)
03-5937-2465
Kể từ ngày thông báo, các giao dịch xin vui lòng gửi về địa chỉ mới phía trên. Mọi chức năng hoạt động và các thông tin liên quan khác của Công ty đều không thay đổi.
Chúng tôi xin chân thành cảm ơn sự hợp tác của Quý khách hàng, Quý đối tác trong thời gian qua và hy vọng nhận được sự hợp lý, hỗ trợ chặt chẽ hơn trong thời gian sắp tới!
Xin chân thành cảm ơn!
HSB NHẬT BẢN THAY ĐỔI ĐỊA CHỈ

HOW TO GET THE RESIDENCE TAX EXEMPTION IN 2023

For many foreign employees residing in Japan, understanding the nuances of local taxes can be a daunting task. Particularly, the residence tax, which is often a significant annual expense, poses a challenge. However, 2023 brings an opportunity for these expatriates to apply for a residence tax exemption, potentially easing their financial burden.

The eligibility for this exemption and the percentage of tax relief granted is directly linked to the individual’s total personal income earned in the previous year, 2022 in this case. This correlation underscores the importance of maintaining accurate financial records and being aware of one’s income status.

To efficiently navigate this process, foreign workers in Japan need to be meticulous in preparing and submitting several key documents. These documents play a crucial role in determining eligibility and the extent of the exemption. The required documents include:

  1. Beneficiaries Registration Form: This form is a critical component of the application process. It officially registers the applicant for consideration under the tax exemption program.
  2. Certificate of Relationship with the Dependent: Applicants must provide proof of their relationship with any dependents mentioned in the registration form. This is essential to validate claims for exemptions based on financial responsibilities for dependents.
  3. Proof of Financial Support: An invoice or bank statement confirming the monthly financial contribution towards the dependent’s upkeep is required. This document serves as evidence of ongoing financial obligations, which can significantly impact the exemption status.
  4. Choosing a Reliable Money Transfer Bank: For foreign workers supporting dependents back in their home countries, selecting a reputable bank for international money transfers is crucial. This choice ensures that financial support is sent reliably and efficiently, which is essential for maintaining eligibility for tax exemptions.

While the process might seem complex, it’s a strategic move for foreign workers aiming to optimize their financial situation in Japan. It’s not just about reducing the immediate financial strain but also about understanding and adapting to the local tax environment.

For those unfamiliar with the Japanese tax system or who find the documentation process overwhelming, seeking professional advice is recommended. Tax consultants or financial advisors can provide personalized guidance, ensuring that all requirements are met accurately and efficiently.

In summary, the residence tax exemption in Japan for 2023 is a significant opportunity for foreign employees to alleviate some of their tax burdens. By understanding the requirements, diligently preparing the necessary documentation, and possibly seeking expert advice, foreign workers in Japan can navigate this process successfully and benefit financially.

Contact HSB JAPAN to get the Residence Tax Exemption

Navigating the Complexities of Pension Lump-sum in Japan: A Guide for Foreign Workers

Understanding the Intricacies of Pension Lump-sum

Foreign workers in Japan often consider the Pension Lump-sum payment as a part of their retirement planning. However, navigating the complexities of this system can be challenging. There are several critical issues and common mistakes that need to be addressed to ensure a perfect process.

Foreign workers in Japan

  1. The Misconception About Minimum Requirements

Many believe that paying the Pension Lump-sum system for a minimum of six months and possessing a certificate proving a return to their home country for at least two months suffices. However, this is a misconception. The crucial aspect often overlooked is the need to update your residence status in Japan before leaving the country. This step is vital for the successful processing of your Pension Lump-sum. If there’s any uncertainty, it’s advisable to get in touch with your former employer in Japan for confirmation and assistance.

 

  1. Residence Status and Pension Payments

Another common error occurs when individuals return to their home countries but fail to update their residence status in Japan. It’s essential to formally cut off your residence address in Japan. Continuing to pay into the pension system without updating your residence status can lead to complications. This oversight could potentially disqualify you from applying for the Pension Lump-sum. Therefore, it is crucial to complete all necessary administrative procedures before leaving Japan.

  1. Long-Term Contributions and Pension Benefits

For those who have contributed to the pension insurance for more than ten years, there’s a significant policy shift to be aware of. Upon reaching the age of 65, the Japanese pension authority automatically converts your status to a regular pension beneficiary. This means you will no longer be eligible for the Lump-sum payment, but rather will receive ongoing pension benefits. It’s important to plan accordingly, especially if you are nearing this ten-year threshold.

Seeking Professional Assistance

Navigating the pension system in Japan, especially for foreigners, can be a daunting task. If you are facing difficulties or have uncertainties regarding the application process for Pension Lump-sum, seeking professional guidance is advisable. Organizations like HSB JAPAN specialize in providing detailed advice and assistance to ensure that you receive the benefits you are entitled to without unnecessary complications.

 

Thu nhập thấp hơn năm trước – Xin giảm miễn thuế cư trú được hay không?

“Thu nhập thấp hơn năm trước người lao động làm việc tại Nhật có thể xin giảm miễn thuế cư trú được hay không?” là một trong các câu hỏi được nhiều bạn ngoại quốc quan tâm khi tham gia vào thị trường lao động Nhật Bản. Thuế cư trú là khoản thuế không còn quá xa lạ đối với tất cả các chủ thể làm việc tại Nhật Bản (du học sinh, kỹ sư hay kể cả các chị em nội trợ làm những công việc bán thời gian. Vậy giảm miễn thuế cư trú là gì, điều kiện để được hưởng quyền lợi này hay thủ tục bao gồm các bước nào, nội dung bài viết dưới đây sẽ gửi đến người đọc các thông tin quan trọng xoay quanh vấn đề này. 

Giảm thuế cư trú là gì? 

Giảm thuế cư trú được thiết lập để hỗ trợ những người có thu nhập thấp gỡ bỏ phần nào gánh nặng từ thuế. Mỗi địa phương sẽ có những quy định về thủ tục, phần trăm miễn giảm thuế hoàn toàn khác nhau. Chẳng hạn như, có những nơi được giảm 100% nhưng có những vùng chỉ được giảm từ 30-50% trên tổng số thuế cư trú.

Vậy giảm thuế cư trú được áp dụng cho các đối tượng nào? 

Không phải 100% người lao động làm việc tại Nhật đều có thể nhận biết được mình thuộc đối tượng được giảm thuế cư trú vì vậy, các thông tin mà HSB JAPAN chúng tôi đề cập dưới đây phần nào đó sẽ giúp bạn nắm bắt và hiểu rõ hơn về giảm miễn thuế cũng như các thủ tục liên quan. Từ đó, người lao động sẽ có định hướng rõ ràng trong việc hoàn thiện thủ tục xin hoàn/giảm miễn thuế.  

Thủ tục xin giảm miễn thuế cư trú 

Mặc dù mỗi địa phương có những quy định khác nhau về thủ tục, quy trình xử lý hồ sơ nhưng người lao động khi muốn xin giảm thuế cư trú bắt buộc phải nắm được những loại giấy tờ cơ bản sau: 

khi làm thủ tục xin giảm miễn thuế cư trú, bạn có thể liên hệ đến bộ phận phụ trách thuế thị dân nơi bạn sống và làm việc để rà soát lại một số thông tin cần thiết như: Tại nơi bạn sống, chính quyền địa phương có chính sách giảm thuế thị dân không? Nếu có thì điều kiện được hưởng là gì? Lúc nào bạn có thể tiến hành đăng ký xin giảm miễn thuế? 

Mặc dù, đã có rất nhiều chế độ/chính sách được ban hành tại quốc gia này nhằm hỗ trợ người có hoàn cảnh khó khăn bất kể là người bản địa hay người nước ngoài nhưng rất ít người lao động khi làm việc tại Nhật Bản nắm rõ các quyền lợi của mình. Nhận thức được vấn đề đó, HSB JAPAN được thành lập với sứ mệnh cung cấp các dịch vụ tư vấn tốt nhất cho người lao động làm việc tại Nhật Bản, hỗ trợ khách hàng nhận được khoản miễn giảm thuế tối ưu. 

THE INCOME OF THIS YEAR IS LOWER THAN BEFORE – CAN EMPLOYEES APPLY FOR A RESIDENCE TAX DISPENSATION?

Can laborers apply for a residence tax deduction when this year’s earnings are less than the previous year’s?” is one of the questions that are more interesting to foreigners working in Japan. The resident tax is a popular tax for most residents having a job here (such as overseas students, engineers or housewives doing part-time jobs and so on). So what is the resident tax dispensation, the conditions to receive these benefits or which steps do the procedure include. This article will access some important information concerning this topic.     

What is the resident tax exemption? 

“The resident tax exemption” policy is set up to assist low-income earners to remove the tax burden by the Japanese Government. Each locality will have different regulations regarding procedures and the proportion of tax exemption. For example, the authority in some places adopted this policy with a 100% deduction, however, others only agree to reduce it to 30-50% of the total resident tax.  

So who is the resident tax exemption applied?

Not all laborers working in Japan can recognize that they are eligible for resident tax exemption so this information that HSB JAPAN will mention below partly helps everyone better understand tax deduction and concerned procedures. Since then, workers will have a clear orientation in completing the procedures for applying for tax exemption.  

The procedures for applying for the resident tax exemption 

Although each locality has distant regulations about the procedure, method of application, it is compulsory that employees need to know the following essential documents to submit an application for resident tax exemption: 

Of course, before submitting an application for a residence tax exemption, you can get in touch with the local resident tax office to review certain essential details like: 

Although the Japanese government adopted many policies to support disadvantaged people regardless of whether they are natives or foreigners, a few people working here understand their own rights. In response to this issue, HSB JAPAN was founded with the goal of offering the best advisory services for foreign workers in Japan who have a demand to receive tax refund/dispensation, supporting clients in obtaining the highest amount.

For more information

For more information

Telephone Consultation: 03-5937-2465

From Overseas: +81-3-5937-2465

（Weekday：9:30～18:30）

（Available also on Saturday：9:30~13:30）

Email: click here

HOW TO CALCULATE YOUR PENSION LUMPSUM?

WHAT ARE DOCUMENTS NEEDED

You are not a Japanese citizen.

You are not a resident in Japan.

You have coverage periods of six months or more under the EPI system.

You are not eligible for Old-age Employees’ Pension period (see note below)

You have never been entitled to receive a pension (including disability allowance).

It has been within two years of losing your membership of the National Pension if you have never possessed residency in Japan after the loss of your membership of the National Pension and the Employees’ pension.

It has been within two years of losing your residency in Japan if you have possessed residency in Japan after the loss of your membership of the National Pension and the EPI system.

FOR MORE DETAILS CLICK HERE.

Lump-sum Withdrawal Payments ( Japanese Pension Refund)

Persons who fulfill the following conditions can claim their pension refunds: 1.They are not a Japanese citizen, 2.They have paid Japanese pension contributions from 6 months to 10 years 3.You left Japan less than two years ago 4. They don’t reside in Japan now （※）Minimum period for a qualification to claim old age pension (basically after 65 years old) is currently 10 year’s enrollment. Most of foreigners who worked in Japan in a short period with working visas are to get qualified to claim their pension refunds after leaving Japan. When the social insurance office (Japanese Pension Service) reimburses your pension payments, it deducts 20% income tax on the refunded amount. However, we will help you reclaim the 20% tax charged on the Lump-sum withdrawal.

We carry out TOTAL PROCESS of claiming pension refunds legally.

We examine all your documents before claiming and help you succeed in your refund surely.

ANNOUNCEMENT OF OUR NEW LOGO & BRAND IDENTITY

Dear: Customers and Partners!

HSB JAPAN would like to send our sincere thanks to our customers and partners for trusting in choosing HSB JAPAN’s services and accompanying the company during the past time.

Aiming at image renewal, strong strategic orientation in the future, from January 28, 2022, HSB JAPAN officially selected the new Logo as the representative of the brand image, marking the innovation and efforts. confirm the reputation of the brand.

Old logo New logo

The new logo will automatically take effect on all contracts, documents, images, news and on Facebook pages, Websites managed and under the HSB JAPAN brand. All operational functions and other related information of the company remain unchanged.

For clarifications and more information on the branding and its guidelines, kindly contact us:
HSB JAPAN Co., LTD

Website: https://hsbjapan.com

Email: tax_pension@hsbjapan.com

☎️ Tel / fax: 03-5937-246

Unlock your AU locked-phone to International version

Have you ever wondered how to unlock your carrier-locked phone to make it works worldwide? In Japan, Big3 Mobile Service Providers require a contracts with customers for 2 years of contract to use their service and smartphone. The devices by these companies are knows as carrier-lock smartphones.

However, there are simple steps to unlock your phone. Not only it is capable of using worldwide, but also it is easier to switch to other carriers/services in Japan. In this example, we show you how to unlock iPhone (which is locked by AU).

First, you need to record your phone IMEI number (write it down carefully).

Your IMEI number:

Go to Settings, and then choose General

Choose About from General

Scrolling down, you should see the IMEI number

Unlocking the iPhone:

Access the link below:

https://id.auone.jp/id/pc/assigned/index.html

You can use Google Chrome Web browser to display the content in English (if you don’t understand Japanese)

Choose “au ID Registration”

Filling your email address and choose the button below to send mail to your mail box

An email will be sent to your mailbox, which include the verified code, filling the code and choose the button Next

1. Creating password for your AU ID
2. Birth date
3. Your gender
4. And then choose the button to confirm

Choose this button to complete the registration

Using your IMEI number for unlocking

Access the link below

https://www.au.com/support/service/mobile/procedure/simcard/unlock

Scrolling down to choose SIM unlock procedure (My AU) and then input the mail which registered AU ID above

Input your IMEI number (2 times) and then choose “Next” button

In this step, it will display your device
1. Choose the country for using the device (you should choose your home country).
2. Choose the email address to receive the status of unlock the device.
Choose the button to complete this step.

So the unlock procedure has been completed, you should receive the email from AU to notify about the unlock status

Time for trying the sim card from the other service provider, right?

Tax Return and Pension Lump-sum for foreign workers or residents in Japan

HSB JAPAN is an expert in processing Tax Return and Pension Lump-sum for foreign workers or residents in Japan.
The following is a simple estimation you can get for your refund.

If you have been able to work in Japan for three years you can claim
JPY400,000- JPY800,000
*This may change depending on your monthly salary.

&
If you have been able to work for three years and send money to your family you can get your Income-tax and Residence Tax refunded:
JPY160,000 – for (1) a Beneficiary.
JPY500,000- for three (3) Beneficiary.
*This may change depending on your monthly salary.

HSB JAPAN, ay eksperto sa pag proseso ng Tax Retrurn at Pension Lump sum para sa mga dayuhang manggagawa o residente sa Japan.
Ang mga sumusunod ay simpleng estimation na maari nyong makuha para sa inyong refund.

Kung ikaw ay nakapag trabaho sa loob ng tatlong taon maari kang makapag claim ng
JPY400,000- JPY800,000
Ito ay maaaring may pagbabago depende sa iyong buwanang sahod.

&
Kung ikaw ay nakapag trabaho sa loob ng tatlong taon maari kang makapag refund ng iyong Income tax at Residence Tax ng
JPY160,000 – para sa (1) isang Beneficiary.
JPY500,000- para sa tatlong (3) BenefIciary.
Ito ay maaaring may pagbabago depende sa iyong buwanang sahod.

CHARTER FLIGHT JAPAN – VIETNAM

Because of COVID-19 pandemic’s dire situation and in order to support Vietnamese people to return to Vietnam safety, from April 2021 HSB JAPAN Co.Ltd provided ticket reservation service for charter flights (from Vietnam Airline, Bamboo Airline, and Vietjet Airline).

Please contact us for flight schedule and update the latest charter flights available in 2021 (from Vietnam Airline, Bamboo Airline, and Vietjet Airline).

  • Staying at quarantine hotels (3 – 5 stars quality)
  • Covid-19 test: 3 times during the quarantine period
  • 3 meals/day
  • Bus transportation from Airport to quarantine hotels

FULL DEPOSIT FOR TICKET IS NOT COMPULSORY – IN CASE OF FLIGHT GETS CANCELLED BY AIRLINE, CUSTOMER WILL RECEIVE A FULL REFUND.

MOREOVER

Customer can register for SPECIAL COMBO service AIR TICKET + PENSION REFUND -> 100% FREE SERVICE FEE FOR applying for lump-sum withdrawal payments.

Customers who apply for lump-sum withdrawal payments by HSB JAPAN before return to Vietnam also get a discount, only 10% service fee.

(Discount campaign applicable from June 1, 2021)

For more details, please contact us:

., .

160-0023東京都新宿区西新宿7-6-8アイアイビル３

☎️Tel: 03-5937-2465   Fax: 03-5937-2468

Hotline: 080-4864-3688 (Zalo- Viber)  Ms Huyền Trang

HSB JAPAN BECOMES A PARTNER OF MIRAI INSURANCE COMPANY AND IS AN EXCLUSIVE DISTRIBUTOR OF MIRAI INSURANCE SERVICES FOR FOREIGNERS IN JAPAN

Since 15th August 2020, HSB JAPAN is honoured to be a strategic partner and exclusive distributor of MIRAI Insurance Corporation, providing insurance products for Vietnamese people living and working in Japan. 

MIRAI insurance applies to all short-term and long-term visas in Japan with period of stay more than 6 months: Tourist Visa, Working Visa, Engineer Visa, Dependent Visa, Refugee Visa… .

For more information, please contact the Mirai Insurance Consulting Department

MIRAI INSURANCE

With the desire to help Vietnamese workers, foreign workers, tourists, and short-term business have the assurance of health and accidents during their time working in Japan. HSB JAPAN is honoured to be a strategic partner and exclusive distributor of MIRAI SECURITY INSURANCE service for Vietnamese and foreigners in Japan.

MIRAI insurance is a special and special insurance service for foreigners with short- and long-term residency in Japan.

PROVIDE REMITTANCE RECEIPTS FOR TAX REFUND

Dear customers, every October, companies require employees and employees to prepare the necessary documents to make tax refunds. The remittance bill is one of them, which is extremely important for the tax department to decide the amount of tax you will have to pay this year and the amount you will be refunded for overpayment in previous years.

To receive Money Transfer receipts and assistance with the tax refund process. Please contact City HSB Department and provide the following information

Full name:

Date of birth:

Email address:

Address:

https://www.facebook.com/chuyentientunhatvevietnamCityHsb/

Lump-sum Withdrawal payments coverage extended from 3 years to 5 years

According to Japanese Nation Pension, from 01/04/2021 the maximum lump-sum withdrawal payments for short-term foreigners will be extended from 3 years to 5 years.

This change applies to short-term employees such as: Trainee Visa, Designated Visa, Engineer visa…

For more information please message:

https://www.facebook.com/taxrefundinjapan/

New Year 2021 holidays notice

Dear our value customers and partners,

We would like to inform you of the closing plan for New Year holidays 2021:

Our main office in Tokyo will be closed for 4 days, from December 31, 2020 to January 03, 2021; and will be re-opened for business on January 4, 2021.

Customer support and online consulting service will operate normally (except day off on January 1, 2021).

During the holidays, if you have any questions or issues, please contact us by email: info@hsbjapan.com we will try to respond as soon as possible.

We wish all of you a happy, healthy prosperous New Year!

Customer appreciation weeks “2000 JPY Discount”

We value our customers and partners for choosing our services for more than 11 years.

We are happy to announce “2000 JPY Discount” program as a gift for customers who register for TAX REFUND and TAX DEDUCTION service of HSB Japan, from January 1, 2021 to March 31, 2021.

In addition, we also have many offers and promotions for other services: Pension service (Nenkin), Internet service, and International Remittance service…

For more details, please contact us

Tel : 03- 5937-2465

Email: info@hsbjapan.com

For more information

For more information

Telephone Consultation: 03-5937-2465

From Overseas: +81-3-5937-2465

（Weekday：9:30～18:30）

（Available also on Saturday：9:30~13:30）

Email: click here

HSB JAPAN TAX SERVICES

Tax refund service (including representative application of refund of pension lump-sum)

What kind of refund can we do?

1. Refund of the income tax and residential tax return in 5 years (foreigners or Japanese whose spouse is a foreigner)

2. 20,46 % tax refund for lump-sum withdrawal payments ( Nenkin).

3. Income tax return for foreigners who quit from work or left Japan.

We not only help you minimize the amount of tax payable to the Japanese government, but also help to refund the amount of tax arrears in previous years with comprehensive support, bringing convenience, assurance and transparent to our customers.

Reasons for Choosing Us

– We have cooperated with experienced tax advisory MASAO ISHIWATARI. Since 2013 we have assisted thousands of customers to claim their tax return.

– Trust and Achievements

– Support in multiple languages

INCOME TAX – RESIDENCE TAX

Residence Tax

Residence tax is the amount of money that people living in the city must pay to the local tax office to contribute to the maintenance of the local social-welfare services. Residence tax is a tax that every individual with income in a year over the limit (103,000 yen / year) must pay, regardless of whether you are a student, international students, or foreigners.

Residence tax is calculated based on the income of the previous year. Therefore, your first year in Japan you don’t have to pay for this tax. However, the following year, Tax authorities will rely on your income in the previous year to calculate the amount of tax you have to pay.

TAX REFUND

  • • You are a foreigner working in Japan for more than a year
  • • You are married to Japanese
  • • You send remittance to dependents family in home country

*The more dependent you have the more refund you’ll get

Dependents Income Tax
Refundable/year		 Residential
Tax Refundable/year		 Total amount of Tax
Refund/year
1 dependent ~￥19,300 ~￥35,500 ~￥54,800
2 dependents ~￥38,600 ~￥71,000 ~￥71,000
3 dependents ~￥57,900 ~￥106,500 ~￥164,400

*This is a approximate estimation

Preparing a tax return can be confusing and complicated if you’re not familiar with the process. We have specialists in Japanese tax laws so we can do all the tax return preparation for you and simply send the money to you when it comes back.

The Japanese tax year is from January 1st to December 31st

• We can claim your tax refund (Income Tax and Residential Tax) from Japan for up to five years

• The size of the refund you get back will depend on how much you earned in Japan, how long you worked for and how long you were there for overall

• You will also have contributed part of your salary into a pension fund – we can also reclaim a portion of these contributions for you.

(The average Japanese Tax Refund is ¥111000)

ANNOUNCEMENT OF OUR NEW LOGO & BRAND IDENTITY

Tax Refund

for Businesses & Individuals
Any foreigner who is currently living and working as an international student, intern and engineer,
must pay 2 main taxes: Income Tax (Shotokuzei 所得) and Citizenship/Residence Tax (Juminzei) 住民税).

However, these 2 taxes in Japan to be paid can be reduced or even refunded within 5 years.
HSB JAPAN, together with experienced lawyers and tax advisors in the field of tax management, represents thousands of foreign individual clients as well as small and medium-sized enterprises to solve their tax problems. Tax related issues in Japan with comprehensive support. Our principle is to bring convenient, reliable and transparent services to our customers.

HSB JAPAN Tax Services

  • Refund of the income tax and residential tax return in 5 years (foreigners or Japanese whose spouse is a foreigner)
  • 20.42% tax refund for lump-sum withdrawal payments (Nenkin)./li>
  • Income tax return for foreigners who quit from work or left Japan.
  • Corporate tax finalization

Income Tax

All individuals living and working in Japan are obligated to pay income tax (所得税: し ょ と く ぜ い). The amount of tax payable will depend on the annual income. Income less than 130,000 yen / year will not be charged income tax. Students, trainees and employees at a contracting company will have the tax deducted directly from their salaries. If you work for a company without a contract, you will have to self-declare tax and must file it by March 15 of the following fiscal year. If you pay taxes by bank transfer, the deadline is April.

Residence Tax

Residence tax is the amount of money that people living in the city must pay to the local tax office to contribute to the maintenance of the local social-welfare services. Residence tax is a tax that every individual with income in a year over the limit (103,000 yen / year) must pay, regardless of whether you are a student, international students, or foreigners. Residence tax is calculated based on the income of the previous year. Therefore, your first year in Japan you don’t have to pay for this tax. However, the following year, Tax authorities will rely on your income in the previous year to calculate the amount of tax you have to pay.

5 REQUIREMENT FOR TAX REFUND

1.

RESIDENT CARD

PHOTOCOPY OF RESIDENT CARD FRONT AND BACK

2.

RESIDENT CARD

PHOTOCOPY OF RESIDENT CARD FRONT AND BACK

3.

RESIDENT CARD

PHOTOCOPY OF RESIDENT CARD FRONT AND BACK

4.

RESIDENT CARD

PHOTOCOPY OF RESIDENT CARD FRONT AND BACK

5.

RESIDENT CARD

PHOTOCOPY OF RESIDENT CARD FRONT AND BACK

BASIC INFORMATION

JAPAN HEAD OFFICE

〒130-0026
東京都墨田区両国1-3-12 (925両国第2ビル)

VIETNAM BRANCH OFFICE

Room 602, 6th Floor, ASUVA Building,

No. 9A Thanh Liet, Thanh Tri, Hanoi

Tel (Japan): (+81)3-5937-2465
Tel (Vietnam): (+84)24-6670-2797
Tel (Nepal):
Fax:		 (+97)7-1-4547159
03-5937-2468
Email: info@hsbjapan.com



WORKING HOURS
9.30 AM – 6.30 PM
Monday – Saturday

Copyright © 2022 HSB JAPAN CO., LTD. All rights reserved.