“I want to install my dream soundproof room for my new life, but I don’t have enough budget to pay in full…”
The moving season in February and March is when the desire to set up performance or streaming tools in a new home is at its peak. However, soundproof rooms often cost over 1 million yen. Can you use installment plans or loans?
The conclusion is: Yes, you can purchase a soundproof room with a loan.
In this article, we’ll give a thorough explanation from an expert’s perspective, covering the types of loans available, interest rate markets, and tips for passing the screening process. Get your “ideal silence” without overextending by knowing your estimated monthly payments.
4 Types of Loans Available for Purchasing a Soundproof Room#
When buying a soundproof room, you should avoid thinking “I’ll just put it on my credit card” like a general appliance. Because it’s a high-priced item, you should consider purpose-specific loans with lower interest rates.
1. Shopping Credit from Instrument Stores & Manufacturers#
These are installment plans offered by major instrument stores like Yamaha, Kawai, or Shimamura Music.
- Features: The process is completed online and the screening is very speedy.
- Interest Rates: Generally around 10.0% to 15.0% per annum.
- Top Pick: The “0% Interest up to 36 Installments” campaigns held during busy seasons (especially February-April). Using this allows you to pay in installments with no interest.
2. Musical Instrument Loans (Bank-based)#
Loans like Suruga Bank’s “Instrument Loan” are well-known. Soundproof rooms are included as part of the “musical instrument performance environment.”
- Interest Rates: Around 2.5% to 5.0% per annum. Significantly lower interest than credit company-based shopping loans.
- Usage: You can borrow not just for the main unit but also for installation and transportation costs.
3. Renovation Loans#
If the soundproof room is installed as part of the room through “construction,” bank renovation loans may apply.
- Targets: Even for standard units like Avitecs or Nasal, fixed-type installations involving air conditioner or power supply construction can be consulted.
- Pros: Since the repayment period can be set as long as 10 to 15 years, monthly burdens can be kept in the range of several thousand to 10,000 yen.
4. Inclusion in Home Mortgage#
When introducing a soundproof room at the same time as purchasing a new building or condo, including it in the home mortgage is the smartest choice.
- Interest Rates: Around 0.3% to 1.0% per annum.
- Effect: The change in monthly payments is minimal, and you get a full-scale soundproof environment.
Repayment Simulation: How Much per Month?#
Let’s imagine an example of paying for a 1.2 million yen soundproof room.
| Payment Method | Interest (Estimate) | Number of Payments | Monthly Payment |
|---|---|---|---|
| Interest-free Campaign | 0% | 36 | 33,333 JPY |
| Instrument Loan | 3.5% | 60 | 21,800 JPY |
| Shopping Loan | 12% | 60 | 26,700 JPY |
*Interest rates are estimates as of 2026. Please check with financial institutions for actual figures.
If it’s in the 20,000 yen range per month, it’s roughly equivalent to or less than studio fees (e.g., 3,000 yen per session x twice a week = 24,000 yen/month), and you’ll own an environment where you can “play 24 hours a day.”
Tips for a Smooth Approval Process#
Many people may be anxious about screening because they’ve “forgotten a credit card payment in the past” or they’re a “sole proprietor (streamer).” Keep these three points in mind:
- Prepare an Estimate Early: For bank-based loans, a formal estimate is mandatory. Since the moving season is crowded, decide on the model at a showroom early.
- Prepare a Down Payment: Rather than a full loan, putting down 10-20% of the unit price as a down payment significantly increases the approval rate.
- Proof of Income: For freelancers, prepare copies of your tax returns. Income from sources like YouTube can also be consulted as “business income.”
Start by “Experiencing” Your Ideal Soundproof Room#
When considering a purchase with a loan, the most important thing is to confirm “if that soundproof room really suits you.” Because it’s an expensive purchase, first experience the actual soundproofing performance at each manufacturer’s showroom.
Summary: Don’t Leave “Regrets” for Your New Life Start#
If you hesitate to install a soundproof room until after the March moving season, you’ll end up starting a stressful daily life “practicing at low volume while worrying about neighbors.”
With a loan, you can start the best environment “right now” even without large savings. Why not start by checking for “interest-free campaigns” at your instrument store?
Related Articles#
- [Basics] : Soundproof Room Price & Cost Market | 2025 Latest Comparison Guide
- [Introduction Guide] : Precautions for Installing a Soundproof Room in Rentals | For VTubers & Streamers
- [Product Review] : Yamaha Avitecs Cefine NS Comprehensive Explanation Guide