As of September 2025, the maximum interest rate for 21 to 35-year fixed-rate Flat 35 housing loans with a loan-to-value ratio of 90 percent or less in Japan stood at **** percent. This represented an increase compared to **** percent in June 2025.

In December 2024, the median interest rate of five-year fixed rate housing loans provided by city banks in Japan stood at **** percent. City banks are the largest banks in Japan.

Housing Loan: Floating Interest Rate: City Banks data was reported at 2.475 % pa in Oct 2018. This stayed constant from the previous number of 2.475 % pa for Sep 2018. Housing Loan: Floating Interest Rate: City Banks data is updated monthly, averaging 2.475 % pa from Jun 1987 (Median) to Oct 2018, with 377 observations. The data reached an all-time high of 8.500 % pa in Jan 1991 and a record low of 2.375 % pa in Sep 2006. Housing Loan: Floating Interest Rate: City Banks data remains active status in CEIC and is reported by Bank of Japan. The data is categorized under Global Database’s Japan – Table JP.M014: Mortgage Rate.

The Japan Mortgage/Loan Brokers Market, valued at ¥5.20 billion in 2025, is projected to experience steady growth with a Compound Annual Growth Rate (CAGR) of 3.92% from 2025 to 2033. This growth is driven primarily by increasing urbanization, a rising young population entering the housing market, and government initiatives aimed at boosting homeownership. Low interest rates in recent years have also stimulated mortgage demand. However, fluctuating economic conditions and potential regulatory changes pose challenges. The market is segmented by mortgage loan type (conventional, jumbo, government-insured, and others), loan terms (15, 20, and 30-year mortgages, and others), interest rates (fixed and adjustable), and provider (primary and secondary lenders). Major players include prominent Japanese financial institutions like the Bank of Japan, Bank of China (with significant operations in Japan), Suruga Bank, SMBC Trust Bank, Shinsei Bank, and several international banks with a presence in the Japanese market. The market's future trajectory will likely depend on the effectiveness of government policies supporting homeownership, the stability of the Japanese economy, and the adaptability of brokers to evolving technological advancements in financial services. Competition among brokers is expected to intensify, pushing for innovation in services and digital platforms to attract customers. The dominance of established financial institutions in the market highlights the need for smaller brokers to establish strong partnerships or differentiate themselves through specialized services. While the 30-year mortgage remains a significant segment, growing awareness of financial prudence and shorter-term financial goals could lead to increased demand for 15 and 20-year mortgage options. The increasing adoption of online platforms and fintech solutions is also anticipated to transform how mortgage brokerage services are delivered, potentially impacting the operational models of traditional players. Analyzing trends in interest rates and their correlation with overall market growth will be crucial for predicting future market performance. The impact of macroeconomic factors, such as inflation and unemployment, will also play a significant role in influencing mortgage demand and consequently, the growth of the brokerage market. Recent developments include: In March 2024, Leading Japanese online stocks broker Matsui Stocks Co., Ltd. established a partnership with global fintech firm Broadridge Financial Solutions, Inc. to boost its stock lending business via Broadridge's cloud-based SaaS post-trade processing technology., In July 2023, Mitsubishi UFJ Financial Group and Morgan Stanley expanded their 15-year-old partnership. At their joint brokerage operations, the Japanese and American institutions have decided to work together more closely on forex trading, as well as on researching and selling Japanese stocks to institutional investors.. Key drivers for this market are: Increase in demand for Financial Home Loan Solutions, Increased Accessibility to Loan Broker Services. Potential restraints include: Increase in demand for Financial Home Loan Solutions, Increased Accessibility to Loan Broker Services. Notable trends are: Consistent level of interest rate and Increasing Real Estate price affecting Japan's Mortgage/Loan Broker Market..

The Japan Mortgage/Loan Brokers Market report segments the industry into By Type Of Mortgage Loan (Conventional Mortgage Loan, Jumbo Loans, Government-Insured Mortgage Loans, Other Types Of Mortgage Loan), By Mortgage Loan Terms (30- Years Mortgage, 20-Year Mortgage, 15-Year Mortgage, Other Mortgage Loan Terms), By Interest Rate (Fixed-Rate, Adjustable-Rate), and By Provider (Primary Mortgage Lender, Secondary Mortgage Lender).

Key information about Japan Bank Lending Rate

• Japan Bank Lending Rate was reported at 1.875 % pa in Nov 2025.
• This stayed constant from the previous number of 1.875 % pa for Oct 2025.
• Japan Bank Lending Rate data is updated monthly, averaging 1.625 % pa from Jan 1971 to Nov 2025, with 659 observations.
• The data reached an all-time high of 9.250 % pa in Jul 1980 and a record low of 1.375 % pa in Jul 2006.
• Japan Bank Lending Rate data remains active status in CEIC and is reported by CEIC Data.
• The data is categorized under World Trend Plus’s Global Economic Monitor – Table: Bank Lending Rate: Monthly.

On July 8, 2025, the lowest interest rate on variable-rate housing loans posted by financial institutions in Japan was **** percent. The median floating-rate mortgage rate set by city banks in Japan was around **** percent.

The benchmark interest rate in Japan was last recorded at 0.50 percent. This dataset provides - Japan Interest Rate - actual values, historical data, forecast, chart, statistics, economic calendar and news.

According to a survey conducted from April to May 2025, the largest share of home loan borrowers in Japan, around ** percent, had a borrowing rate of over *** to *** percent per annum. According to the same survey, over ** percent of home loan borrowers chose a variable rate housing loan.

The size of the Japan Mortgage/Loan Brokers Market market was valued at USD 5.20 Million in 2024 and is projected to reach USD 6.81 Million by 2033, with an expected CAGR of 3.92% during the forecast period. Recent developments include: In March 2024, Leading Japanese online stocks broker Matsui Stocks Co., Ltd. established a partnership with global fintech firm Broadridge Financial Solutions, Inc. to boost its stock lending business via Broadridge's cloud-based SaaS post-trade processing technology., In July 2023, Mitsubishi UFJ Financial Group and Morgan Stanley expanded their 15-year-old partnership. At their joint brokerage operations, the Japanese and American institutions have decided to work together more closely on forex trading, as well as on researching and selling Japanese stocks to institutional investors.. Key drivers for this market are: Increase in demand for Financial Home Loan Solutions, Increased Accessibility to Loan Broker Services. Potential restraints include: Increase in demand for Financial Home Loan Solutions, Increased Accessibility to Loan Broker Services. Notable trends are: Consistent level of interest rate and Increasing Real Estate price affecting Japan's Mortgage/Loan Broker Market..

In December 2024, the median interest rate of 10-year fixed rate housing loans provided by city banks in Japan stood at **** percent. This represented a decade high.

Discover the booming Japan Mortgage/Loan Broker Market, projected to reach $5.2B in 2025 with a 3.92% CAGR. This in-depth analysis explores key drivers, trends, and challenges, featuring major players and regional insights for 2025-2033. Key drivers for this market are: Increase in demand for Financial Home Loan Solutions, Increased Accessibility to Loan Broker Services. Potential restraints include: Increase in demand for Financial Home Loan Solutions, Increased Accessibility to Loan Broker Services. Notable trends are: Consistent level of interest rate and Increasing Real Estate price affecting Japan's Mortgage/Loan Broker Market..

The International Bank for Reconstruction and Development (IBRD) loans are public and publicly guaranteed debt extended by the World Bank Group. IBRD loans are made to, or guaranteed by, countries that are members of IBRD. IBRD may also make loans to IFC. IBRD lends at market rates. Data are in U.S. dollars calculated using historical rates. This dataset contains the latest available snapshot of the Statement of Loans. The World Bank complies with all sanctions applicable to World Bank transactions.

This dataset provides values for 30 YEAR MORTGAGE RATE reported in several countries. The data includes current values, previous releases, historical highs and record lows, release frequency, reported unit and currency.

The Asia-Pacific mortgage and loan broker market is experiencing robust growth, driven by increasing urbanization, rising disposable incomes, and a burgeoning middle class across the region. The market's Compound Annual Growth Rate (CAGR) of 18.40% from 2019 to 2024 indicates significant expansion, projected to continue into the forecast period (2025-2033). Key drivers include government initiatives promoting homeownership, favorable interest rates in certain periods, and the growing preference for specialized financial advice among both individuals and businesses. The market is segmented by enterprise size (large, small, mid-sized), loan type (home loans, commercial and industrial loans, vehicle loans, government loans, others), and end-user (businesses, individuals). The dominance of home loans within the applications segment highlights the significant role of residential real estate development in fueling market growth. Rapid economic growth in countries like China, India, and other Southeast Asian nations significantly contributes to market expansion. However, the market also faces challenges such as fluctuating interest rates, stringent regulatory environments in some countries, and economic uncertainties that can impact consumer confidence and borrowing. Competition in the market is intense, with both established players like LIC Housing Finance Ltd, ICICI Home Finance Company Ltd, and PNB Housing Finance Ltd, alongside emerging local and international brokers. The Asia-Pacific region exhibits considerable diversity, with market dynamics varying significantly across countries. While established financial centers like Japan, South Korea, and Singapore present mature and competitive landscapes, countries like India, Indonesia, and Vietnam demonstrate significant growth potential due to their rapidly expanding economies and increasing demand for housing and other financing options. This diverse geographical landscape provides opportunities for both local and international players to expand their reach and capitalize on regional growth pockets. The continued expansion of e-commerce and fintech solutions is also expected to contribute to further market growth in the coming years by improving the efficiency and accessibility of mortgage and loan brokerage services. Recent developments include: March 2023: All Fleet Mortgages' two- and five-year fixed-rate packages had their rates reduced. The buy-to-let lender claims a 20 basis point reduction in its standard, limited company, residences in multiple occupations, and multi-unit freehold block loans in these term ranges., February 2023: For additional lending to smaller institutions to support social sector funding, the State Bank of India raised USD 1 billion in syndicated social funds, the largest ESG loan in Asia Pacific history. This USD 1 billion fund, which includes a green shoe of USD 500 million, was raised by SBI from international banks.. Notable trends are: Growth in Demand for Personalized Financial Guidance.

In September 2025, the median interest rate of 10 year fixed rate housing loans provided by city banks in Japan stood at **** percent. City banks are among the largest banks in Japan.

The Asia-Pacific mortgage and loan broker market is experiencing robust growth, projected to maintain a Compound Annual Growth Rate (CAGR) of 18.40% from 2025 to 2033. This expansion is driven by several key factors. Increasing urbanization and a burgeoning middle class across the region are fueling demand for home loans, commercial properties, and vehicle financing. Favorable government policies aimed at boosting homeownership and infrastructure development in countries like India, China, and Indonesia are further contributing to market expansion. The rise of digital lending platforms and fintech solutions is streamlining the loan application process, improving accessibility, and attracting a wider customer base. Furthermore, the increasing complexity of financial products necessitates the expertise of loan brokers, leading to higher reliance on their services. Competition among established players and the emergence of new fintech brokers are shaping the market landscape, fostering innovation and efficiency. However, certain challenges persist. Economic volatility and fluctuations in interest rates can impact loan demand. Regulatory changes and compliance requirements pose hurdles for brokers, necessitating continuous adaptation. Maintaining consumer trust and combating fraudulent activities within the sector remain crucial for sustainable market growth. The market segmentation reveals a diverse landscape, with significant opportunities across various loan types (home loans, commercial loans, vehicle loans) and end-users (businesses and individuals). Specific growth drivers vary by segment; for instance, the rapid development of infrastructure in Asia-Pacific is expected to significantly benefit the commercial and industrial loan segment. The presence of established players like LIC Housing Finance Ltd and ICICI Home Finance Company Ltd, alongside newer entrants and international companies, indicates a dynamic competitive environment. The market's strong growth trajectory offers promising prospects for established brokers and innovative new entrants alike, however, success will depend on adaptability, compliance with evolving regulations, and the ability to meet the evolving needs of a diverse customer base. Recent developments include: March 2023: All Fleet Mortgages' two- and five-year fixed-rate packages had their rates reduced. The buy-to-let lender claims a 20 basis point reduction in its standard, limited company, residences in multiple occupations, and multi-unit freehold block loans in these term ranges., February 2023: For additional lending to smaller institutions to support social sector funding, the State Bank of India raised USD 1 billion in syndicated social funds, the largest ESG loan in Asia Pacific history. This USD 1 billion fund, which includes a green shoe of USD 500 million, was raised by SBI from international banks.. Notable trends are: Growth in Demand for Personalized Financial Guidance.

The Asia-Pacific Mortgage and Loan Brokers market is poised for significant expansion, projected to reach an estimated USD 15,000 Million by 2025, fueled by a robust Compound Annual Growth Rate (CAGR) of 18.40% during the forecast period. This impressive growth trajectory is primarily driven by an increasing demand for homeownership across the region, particularly in emerging economies like India and Southeast Asian nations, coupled with a growing need for commercial and industrial financing to support expanding businesses. The market benefits from evolving financial landscapes, increased digital adoption in financial services, and a rising middle class with greater disposable income and a propensity to leverage financial products. Furthermore, the introduction of more flexible loan products and competitive interest rates from financial institutions, including banks and housing finance companies, are acting as key accelerators. The convenience and expertise offered by mortgage and loan brokers in navigating complex lending processes are becoming increasingly vital for both individual consumers and businesses seeking optimal financing solutions. The market segmentation reveals a dynamic interplay between different enterprise sizes and loan applications. While large enterprises contribute significantly to the demand for commercial and industrial loans, the burgeoning individual segment, driven by home loans and vehicle financing, represents a substantial growth area. Micro, small, and medium-sized enterprises (MSMEs) are also emerging as a critical demographic, seeking tailored financial solutions to fuel their growth. The competitive landscape features established players like LIC Housing Finance Ltd and PNB Housing Finance Ltd, alongside international institutions and newer fintech-driven entities, all vying for market share. Technological advancements, such as AI-powered loan assessment tools and online application platforms, are further revolutionizing the brokerage services, enhancing efficiency and customer experience. However, stringent regulatory frameworks and potential economic downturns in specific countries could pose challenges, necessitating strategic adaptation and risk management by market participants. Here's a report description for the Asia-Pacific Mortgage/Loan Brokers Market, structured as requested: Notable trends are: Growth in Demand for Personalized Financial Guidance.

This dataset provides values for BANK LENDING RATE reported in several countries. The data includes current values, previous releases, historical highs and record lows, release frequency, reported unit and currency.

Japan Exports Nowcast: YoY: Contribution: Money & Debt Market: Mortgage Fixed Rate: Wk Ending: 15 Year data was reported at 0.000 % in 01 Dec 2025. This records a decrease from the previous number of 0.360 % for 24 Nov 2025. Japan Exports Nowcast: YoY: Contribution: Money & Debt Market: Mortgage Fixed Rate: Wk Ending: 15 Year data is updated weekly, averaging 0.099 % from Mar 2020 (Median) to 01 Dec 2025, with 300 observations. The data reached an all-time high of 7.926 % in 14 Nov 2022 and a record low of 0.000 % in 01 Dec 2025. Japan Exports Nowcast: YoY: Contribution: Money & Debt Market: Mortgage Fixed Rate: Wk Ending: 15 Year data remains active status in CEIC and is reported by CEIC Data. The data is categorized under Global Database’s Japan – Table JP.CEIC.NC: CEIC Nowcast: Exports.