As of June 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 December 2024.

In June 2025, the median interest rate of fixed rate housing loans for a selected period of five years provided by city banks in Japan stood at **** percent. City banks are among the largest banks in Japan.

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. Japan 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. Japan 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 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).

Japan Housing Loan: Landslide Disaster Related: Individual data was reported at 1.200 % pa in May 2025. This records a decrease from the previous number of 1.560 % pa for Apr 2025. Japan Housing Loan: Landslide Disaster Related: Individual data is updated monthly, averaging 3.090 % pa from Jan 1981 (Median) to May 2025, with 533 observations. The data reached an all-time high of 5.500 % pa in Jul 1991 and a record low of 0.240 % pa in Oct 2019. Japan Housing Loan: Landslide Disaster Related: Individual data remains active status in CEIC and is reported by Japan Housing Finance Agency. The data is categorized under Global Database’s Japan – Table JP.M013: Mortgage Rate. The data is referring to individual not in the Credit Life Insurance Group. [COVID-19-IMPACT]

According to a survey conducted from April to May 2023, the largest share of variable rate home loan borrowers in Japan, around 25.3 percent, had a debt-to-income ratio of over 15 to 20 percent. According to the same survey, over 70 percent of home loan borrowers chose a variable rate housing loan.

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.

Key information about Japan Bank Lending Rate

• Japan Bank Lending Rate was reported at 1.625 % pa in Feb 2025.
• This stayed constant from the previous number of 1.625 % pa for Jan 2025.
• Japan Bank Lending Rate data is updated monthly, averaging 1.625 % pa from Jan 1971 to Feb 2025, with 650 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.

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..

In December 2024, the median interest rate of 10-year fixed rate housing loans provided by city banks in Japan stood at 4.06 percent. This represented a decade high.

On March 10, 2025, the lowest interest rate on variable-rate housing loans posted by financial institutions in Japan was 0.28 percent. The median floating-rate mortgage rate set by city banks in Japan was 2.63 percent.

The Japanese mortgage and loan broker market, valued at 5.20 million in 2025, is projected to grow at a CAGR of 3.92% through 2033. This growth is driven by increasing homeownership rates, rising disposable incomes, and government incentives for homebuyers. The market is segmented by loan type, term, interest rate, and provider. Key players include Bank of Japan, Bank of China, Suruga Bank Ltd., and SMBC Trust Bank. Major trends shaping the market include the increasing popularity of online mortgage applications, the growing demand for jumbo loans, and the rising interest rates. However, the market is also facing challenges such as stringent regulations, rising competition, and the impact of the COVID-19 pandemic. Despite these challenges, the long-term outlook for the market remains positive, as Japan's housing market is expected to continue to grow in the coming years. 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..

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.

In March 2025, the median interest rate on variable rate housing loans set by city banks in Japan stood at about 2.63 percent per annum. In October 2024, the rate had increased for the first time in over a decade. The short-term prime lending rate serves as a benchmark for adjustable rate home loan rates.

According to a survey conducted from April to May 2024, the largest share of home loan borrowers in Japan, around 34.3 percent, had a borrowing rate of up to 0.5 percent per annum. According to the same survey, over 76 percent of home loan borrowers chose a variable rate housing loan.

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.

Japan Exports Nowcast: YoY: Contribution: Money & Debt Market: Mortgage Fixed Rate: Wk Ending: 15 Year data was reported at 0.213 % in 12 May 2025. This records a decrease from the previous number of 0.215 % for 05 May 2025. Japan Exports Nowcast: YoY: Contribution: Money & Debt Market: Mortgage Fixed Rate: Wk Ending: 15 Year data is updated weekly, averaging 0.164 % from Mar 2020 (Median) to 12 May 2025, with 271 observations. The data reached an all-time high of 7.926 % in 14 Nov 2022 and a record low of 0.000 % in 28 Apr 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.

In the fiscal year 2022, around 47.6 percent of new fixed rate housing loans issued by private financial institutions in Japan had a fixed rate period of 10 years. Fixed-rate loans for a set term of three years accounted for 28.6 percent of new home loans granted.

In December 2024, the median interest rate of three-year fixed rate housing loans provided by city banks in Japan stood at 3.74 percent. After reaching a record low in 2017, the interest rate has gradually increased, reaching a decade high in December 2024.

住房贷款：与滑坡灾害有关：个人在05-01-2025达1.200年利率%，相较于04-01-2025的1.560年利率%有所下降。住房贷款：与滑坡灾害有关：个人数据按月更新，01-01-1981至05-01-2025期间平均值为3.090年利率%，共533份观测结果。该数据的历史最高值出现于07-01-1991，达5.500年利率%，而历史最低值则出现于10-01-2019，为0.240年利率%。CEIC提供的住房贷款：与滑坡灾害有关：个人数据处于定期更新的状态，数据来源于住宅金融支援機構，数据归类于全球数据库的日本 – Table JP.M013: Mortgage Rate。