As more and more people own crypto assets, the number of people asking if they can use crypto assets to purchase real estate is increasing each year.

On the other hand,
Is crypto asset settlement possible?
... Is there a legal problem?
What is the practical way to do this?

While individual examples can be found, many people find it difficult to understand the overall picture and concept, as it is not fully shared.

This article summarizes the concept of acquiring real estate using crypto assets in Japan and the schemes that can be realistically envisioned.

What does it mean to "buy real estate with crypto assets?"

First of all, it is important to organize that the term "buying real estate with crypto assets" does not refer to any one method in practice.

Many people imagine that crypto assets are used directly as a means of payment to purchase real estate, but this method is not common in Japan.

In practice, the method of real estate acquisition varies greatly depending on how crypto assets are positioned and utilized.

Main schemes envisaged in Japan

Purchase of real estate through crypto asset settlement

If the seller accepts payment in crypto assets, it is theoretically possible to purchase real estate with crypto assets as a direct means of payment.

However, the number of real estate agencies and properties that can handle this service in Japan is limited, and individual coordination and confirmation of conditions are essential.

For this reason, it is difficult to say that this is a common method.

Purchases financed with crypto assets

A more practical means is a scheme in which crypto assets are used as collateral to purchase real estate in legal tender (Japanese yen).

In this method, the crypto assets are not sold, but are valued as collateral and then financed, and the Japanese yen is used to purchase the real estate.

It is a realistic option for those who wish to hold crypto assets for the long term and avoid the risk of price volatility and tax consequences of selling.

Why is the concept of "use it, not sell it" so important?

Selling crypto assets may be at an unfavorable time, depending on market prices.

In some cases, the sale may result in taxation, so the concept of leveraging the value of crypto assets while retaining them is gaining attention in combination with the purchase of real estate.

Cautions in Crypto Assets x Real Estate

Purchasing real estate using crypto assets is not a panacea.

Crypto asset price fluctuations, collateral valuation and terms, legal and tax treatment, etc. need to be sorted out from multiple perspectives.

The key is to consider realistic options based on conditions and circumstances, rather than the idea that crypto assets will always buy real estate.

A consultation service called CryptoHome

CryptoHome is neither a business that sells real estate nor a financial institution that provides loans.

The service will function as a matching service connecting those who are considering purchasing or financing real estate using crypto assets with real estate companies and financial partners that can accommodate their needs.

We can serve as a consultation service to help you sort out complex options and consider realistic schemes.

The first practical step is to understand the big picture, and then consider the individual issues of financing, legal systems, and taxation.