As of March 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 3.69 percent. This represented an increase compared to 3.57 percent in December 2024.

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 interest rate on newly issued 10-year Japanese Government Bonds (JGBs) in March 2025 was around 1.21 percent. This was the highest interest rate recorded since January 2020.

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.

In March 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 4.11 percent, reaching a new high. City banks are among the largest banks in Japan.

In March 2025, the highest short-term prime lending rate in Japan was about 2.13 percent per annum. Prime lending rates are interest rates on short-term loans to the most creditworthy clients set by city banks. The prime lending rate serves as the benchmark for variable housing loans rates.

Graph and download economic data for Interest Rates: Immediate Rates (< 24 Hours): Central Bank Rates: Total for Japan (IRSTCB01JPQ156N) from Q1 1960 to Q4 2023 about overnight, Japan, interest rate, banks, interest, depository institutions, and rate.

Key information about Japan Long Term Interest Rate

• Japan Bonds Yield: Government Bonds: Newly Issued: 10 Years: Month End was reported at 1.37 % pa in Feb 2025, compared with 1.24 % pa in the previous month.
• Japan Long Term Interest Rate data is updated monthly, available from Dec 1998 to Feb 2025.
• The data reached an all-time high of 2.10 % pa in Jan 1999 and a record low of -0.28 % pa in Aug 2019.
• Long Term Interest Rate is reported by reported by Bank of Japan.

Data refers to yield of newly issued 10-year Japanese Government Bond yield. Yield figures before November 2014 are rates on the latest transaction. Yield figures from November 2014 onwards are rates based on JGB closing prices.


Related information about Japan Long Term Interest Rate

• In the latest reports, Japan Short Term Interest Rate: Month End: TIBOR: Japanese Yen: 3 Months was reported at 0.79 % pa in Feb 2025.
• The cash rate (Policy Rate: Month End: Japan: Complementary Deposit Facility Interest Rate) was set at -0.10 % pa in Jun 2023.
• Japan Exchange Rate against USD averaged 141.36 (USD/JPY) in Jun 2023.

Graph and download economic data for Interest Rates: Immediate Rates (< 24 Hours): Call Money/Interbank Rate: Total for Japan (IRSTCI01JPM156N) from Jul 1985 to Feb 2025 about interbank, overnight, Japan, interest rate, interest, and rate.

Japan JP: Real Interest Rate data was reported at 0.769 % pa in 2016. This records an increase from the previous number of -0.978 % pa for 2015. Japan JP: Real Interest Rate data is updated yearly, averaging 2.802 % pa from Dec 1961 (Median) to 2016, with 56 observations. The data reached an all-time high of 6.125 % pa in 1983 and a record low of -12.450 % pa in 1970. Japan JP: Real Interest Rate data remains active status in CEIC and is reported by World Bank. The data is categorized under Global Database’s Japan – Table JP.World Bank.WDI: Interest Rates. Real interest rate is the lending interest rate adjusted for inflation as measured by the GDP deflator. The terms and conditions attached to lending rates differ by country, however, limiting their comparability.; ; International Monetary Fund, International Financial Statistics and data files using World Bank data on the GDP deflator.; ;

The value of loans in Japan increased 3.10 percent in February of 2025 over the same month in the previous year. This dataset provides the latest reported value for - Japan Bank Lending - plus previous releases, historical high and low, short-term forecast and long-term prediction, economic calendar, survey consensus and news.

In the fourth quarter of 2024, outstanding housing loans granted to households in Japan amounted to around 235.3 trillion Japanese yen. With 21 trillion yen in outstanding home loans, public lenders accounted for roughly nine percent of the total amount. Leading types of lenders in Japan Domestically licensed banks represented the leading type of lender in the fiscal year 2023, accounting for more than 66 percent of outstanding mortgages. They were followed by the Japan Housing Finance Agency, Shinkin banks, and labor banks. The value of new home loans originated grew by around 0.8 percent compared to the previous year. Japan Housing Finance Agency The Japan Housing Finance Agency was the largest public housing loan lender. In cooperation with private institutions, the government-affiliated organization ensures the provision of long-term fixed-rate housing loans, such as the Flat 35 loan, by securitizing them under its loan purchase program. Next to securitization support, the JHF also offers housing loan insurance services and direct lending for reconstruction and maintenance.

Japan Call Rate: Collateralized: Overnight data was reported at 0.001 % pa in Apr 2016. This stayed constant from the previous number of 0.001 % pa for Mar 2016. Japan Call Rate: Collateralized: Overnight data is updated monthly, averaging 4.625 % pa from Jan 1960 (Median) to Apr 2016, with 676 observations. The data reached an all-time high of 13.500 % pa in Aug 1974 and a record low of 0.001 % pa in Apr 2016. Japan Call Rate: Collateralized: Overnight data remains active status in CEIC and is reported by Bank of Japan. The data is categorized under Global Database’s Japan – Table JP.M001: Discount, Prime Lending, Call and Policy Rate.

According to a survey conducted between April and May 2023, around 27.4 percent of respondents in Japan who took out variable-rate home loans had a household income of six to eight million Japanese yen. The majority of home loan borrowers had a yearly household income of four million to less than eight million yen, regardless of the type of interest rate selected.

Key information about Japan Total Loans

• Japan Total Loans was reported at 4,804.222 USD bn in Dec 2024
• This records a decrease from the previous number of 4,972.147 USD bn for Nov 2024
• Japan Total Loans data is updated monthly, averaging 5,159.336 USD bn from Oct 2000 to Dec 2024, with 291 observations
• The data reached an all-time high of 6,634.663 USD bn in Jan 2012 and a record low of 4,051.439 USD bn in Jun 2007
• Japan Total Loans 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: Total Loans: USD: Monthly

CEIC calculates monthly Total Loans as the sum of loans from Domestically Licensed Banks, Foreign Banks, Shinkin Banks and Other Financial Institutions. CEIC converts Total Loans into USD. The Bank of Japan provides loans from Domestically Licensed Banks, Foreign Banks, Shinkin Banks and Other Financial Institutions in local currency. The Federal Reserve Board period end market exchange rate is used for currency conversions. Total Loans cover lenders as Banking System, which is composed by Domestically Licensed Banks, Foreign Banks, Shinkin Banks and Other Financial Institutions (The Rokinren Bank, Prefectural Credit Federations of Agricultural Cooperatives, the Norinchukin Bank, the Shoko Chukin Bank, Shinkin Central Bank and Shinkumi Federation Bank). Total Loans include interbank loans.

Loans to Private Sector in Japan increased to 557468.50 JPY Billion in February from 557228.70 JPY Billion in January of 2025. This dataset provides - Japan Loans to Private Sector - actual values, historical data, forecast, chart, statistics, economic calendar and news.

Graph and download economic data for Residential Property Prices for Japan (QJPN628BIS) from Q1 1955 to Q3 2024 about Japan, residential, HPI, housing, price index, indexes, and price.

Graph and download economic data for Bank's Net Interest Margin for Japan (DDEI01JPA156NWDB) from 2000 to 2021 about NIM, Japan, Net, banks, interest, and depository institutions.

Graph and download economic data for Interest Rates: 3-Month or 90-Day Rates and Yields: Interbank Rates: Total for Japan from Apr 2002 to Dec 2024 about interbank, 3-month, Japan, yield, interest rate, interest, and rate.

Japan JP: Deposit Rate: LIBOR: 3 Months data was reported at -0.016 % pa in 2016. This records a decrease from the previous number of 0.092 % pa for 2015. Japan JP: Deposit Rate: LIBOR: 3 Months data is updated yearly, averaging 0.752 % pa from Dec 1979 (Median) to 2016, with 38 observations. The data reached an all-time high of 11.298 % pa in 1980 and a record low of -0.016 % pa in 2016. Japan JP: Deposit Rate: LIBOR: 3 Months data remains active status in CEIC and is reported by International Monetary Fund. The data is categorized under Global Database’s Japan – Table JP.IMF.IFS: Lending, Saving and Deposit Rates: Annual.