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.

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.

In September 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.

According to a survey conducted between April and May 2023, around **** percent of respondents in Japan who took out home loans with banks had a variable rate home loan. While floating-rate loans were the leading type of interest rate among most types of lenders, about **** percent of respondents who borrowed from other lenders, such as mortgage banks, selected a fixed-rate loan for the entire period.

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 1.625 % 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.

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]

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.

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 Japan Mortgage/Loan Broker Market is projected to reach $5.20 billion in 2025, exhibiting a Compound Annual Growth Rate (CAGR) of 3.92% from 2025 to 2033. This growth is driven by several key factors. Increasing urbanization and a rising young population seeking homeownership fuel demand for mortgage services. Furthermore, the increasing complexity of mortgage products and the growing need for expert financial advice are driving consumers towards mortgage brokers. Technological advancements, such as online platforms and digital mortgage applications, are streamlining the process and increasing accessibility, further boosting market expansion. Regulatory changes aimed at promoting transparency and consumer protection within the financial sector also contribute positively. Competition is fierce, with established players like Bank of Japan, Bank of China, Suruga Bank Ltd., and major financial groups such as Sumitomo Mitsui Financial Group and Mitsubishi UFJ Financial Group vying for market share. However, challenges remain, including fluctuating interest rates which impact affordability and consumer confidence, and potential economic slowdowns that could curb borrowing activity. Despite these challenges, the long-term outlook for the Japan Mortgage/Loan Broker Market remains positive, driven by consistent population growth and evolving consumer preferences. The market's segmentation is likely diverse, encompassing segments based on loan type (e.g., residential, commercial), customer demographics (e.g., first-time homebuyers, high-net-worth individuals), and service offerings (e.g., mortgage origination, refinancing, loan modification). Analyzing these segments will reveal further growth opportunities and competitive dynamics. The presence of international banks like United Overseas Bank and Overseas Chinese Banking Corp suggests a growing international interest in the Japanese mortgage market, hinting at potential for further foreign investment and market consolidation in the coming years. Understanding the regional variations within Japan itself is also crucial, as different regions might experience varying levels of growth based on factors like economic development and housing market dynamics. Future growth strategies for players in this market will likely involve leveraging technology, expanding service offerings, and targeting specific customer segments effectively. 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.

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 the fiscal year 2022, around **** 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 **** percent of new home loans granted.

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

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.

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。

In the fiscal year 2024, over ** percent of borrowers using the Flat 35 loan had a household income of four to under *** million Japanese yen. On average, Flat 35 home loan borrowers had a household income of **** million yen.Flat 35 loans are long-term fixed interest rate housing loans for up to 35 years that are offered by private financial institutions and securitized or insured by the Japan Housing Finance Agency.

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.

In 2023, the average monthly home loan repayments of working households with housing loan debt in Japan amounted to around **** thousand Japanese yen. This represented an increase from ** thousand yen of monthly mortgage repayments per household in 2022.

In the fiscal year 2023, applications for the Flat 35 Purchase Program of the Japan Housing Finance Agency (JHF) amounted to around 36.4 thousand, representing a decrease from the previous year. The JHF supports the provision of long-term fixed-rate Flat 35 housing loans, either by securitizing loans granted by private financial institutions under the Purchase Program or by insuring loans securitized by private lenders through its Guarantee Program.