Hello, this is Kosaka from the Karuizawa branch. It has been four years since I came to Karuizawa, and I have received many inquiries from people who want to run shops in Karuizawa.
I want to build a house or a villa in the extraordinary Karuizawa and spend time and space relaxing among the lush greenery of the trees. But since I'm in Karuizawa, I want to open a shop there, making use of my hobby and work! It would be great to have a place where friends, acquaintances, and customers with common hobbies can gather at any time! I think that's because Karuizawa is one of Japan's leading resorts and a town full of charm!
For those who are thinking of opening a shop in Karuizawa, such as a cafe, sweets shop, restaurant, pet shop, general store, hair salon, school, workshop, atelier, office, etc., we have compiled a list of points to consider and things to be careful about based on our past experience. Please take a look.
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Recommendations for “Commercial/Residential Use” in Karuizawa
Many people are setting up "home cafes" or "handmade goods stores" in their newly built homes in Karuizawa, and are even running their own businesses. Also, if the property faces a busy street, you can rent out the first floor as tenant space, earning rental income that helps pay your mortgage.
Buildings like this that combine retail stores and restaurants with residential buildings are called commercial (dual-use) housing. By combining residential and business space, it seems like there will be more possibilities for a new lifestyle in Karuizawa that integrates life and work.
Difference between a house with a store and a house with a combined store use
- Residence/store: It is possible to move between the two spaces, and living and business spaces are integrated.
- Commercial/residential: Internal movement is not possible and living and business spaces are physically separated.
These differences affect design and construction restrictions and need to be understood at the planning stage.
Key points about combined use residential and commercial facilities in Karuizawa!
Here are three points you should keep in mind.
Area selection is important
・Housing loan consolidation and taxes
・Septic tank installation and pre-application procedures
Selecting an area We recommend a Type 1 residential area!
Karuizawa is most often in a "Type 1 low-rise residential district." In this district, residential areas must make up at least 50% of the total building floor space, and stores must be no larger than 50 m2. Only residential and store buildings can be built. In addition, the types of business uses that can be used in conjunction with stores are limited.
If you want to operate freely without worrying about store size or use, choose a "Type 1 residential area." However, since the area is limited and the land is convenient, it is not often listed as land for sale -_-;
If you are about to start looking for land in Karuizawa, please take a look at the explanatory video below in advance.
Mortgage consolidation and taxes
If you want to take advantage of mortgage or loan tax reductions, reduce your store area to 50% or less!
If the floor area of the store is less than 50% of the total, in many cases it is possible to combine the store and residential loans into one loan. On the other hand, if the floor area of the store is more than 50%, the store will need to be financed separately, and the repayment period for the business loan will be shorter and the interest rate higher than that of a mortgage.
However, even if you consolidate your loans into one, the only part of the store that will be covered by the loan is the building, not the kitchen or other equipment or fixtures. You will need to use your own funds or obtain a business loan for this part, so be sure to consult with a financial institution in advance.
In addition, the calculation of the reduced tax rate for fixed asset tax and city planning tax for land/buildings will change depending on whether it is 50% or less or more.
Septic tank equipment and pre-application procedures
Be sure to carefully consider septic tank installation standards, ordinance applications, and prior consultations with the health center!
・Most areas in Karuizawa use septic tanks. *What is a septic tank? ⇒See separate article
In the case of a restaurant, the septic tank is large and a long infiltration trench is also required, so it is necessary to consider whether it can be planned on the site. This is the most difficult thing to clear ^^;
・If you are doing business in Karuizawa Town, it will take about three months for the prior consultation and application procedures required by the Land Use Ordinance. You cannot submit a building confirmation application unless permission is granted, so make sure you leave yourself plenty of time in your schedule.
-If you are obtaining a license to manufacture sweets or operate a restaurant, be sure to consult in advance with the public health center from the construction planning stage onwards to determine what prescribed facilities are required.
Introducing properties for sale that can be used for retail business
Introducing three properties that can be built immediately. *Information current as of February 17, 2024
① Nakakaruizawa: A villa with a store is completed (Toriibara II-③) You can use it freely as a store.
・Site area 567.91㎡/171.79 tsubo Building area 155.07㎡/46.90 tsubo 3LDK
・Sales price: 108 million yen
・A dim sum cafe is scheduled to open next door in April!
② Toriibara area, the commercial center of Karuizawa. Land for sale in Nakakaruizawa, suitable for commercial use
・Toriibara II: 704.96㎡ (213.25 tsubo) ¥29,900,000
3. Kashiyado area: A popular area where new cafes are opening (Type 1 residential area)
・Rental accommodation Ⅴ Plot ③: 608.75㎡ (184.14 tsubo) ¥28,500,000
・Tsukushigaoka②: 403.67㎡ (122.11 tsubo) ¥ 19,600,000
Leave the planning of your residential or commercial space to us!
What is important about commercial and residential properties and multi-purpose properties is that the residential area is intended for living, and the business area is intended to be used as a store, office, rental property, etc., and the layout must be carefully planned and incorporated into the design. Therefore, a certain level of knowledge is required to design and create the layout. There is also a wide range of knowledge and information to be aware of, such as property tax reduction measures and conditions for mortgage application.
Planning a residential/store combination is the first step to making your dream a reality. Work with a professional to come up with the optimal design, considering the balance between living space and business space. Our knowledgeable professionals will also provide you with support in terms of taxes and financing.
summary
Karuizawa is full of fascinating examples of people who have made their dreams come true, such as dim sum cafes and bakeries. You too will surely be able to find the perfect place to start your ideal business. We will support you from finding land, so leave it to us!
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