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 August 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.

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: 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 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.

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).

According to a survey conducted between April and May 2025, the largest share of home loan borrowers in Japan chose a variable rate home loan. While around ** percent of the respondents selected floating rate loans, about ** percent opted for a fixed rate for a specific period.

Bank Lending Rate in Japan decreased to 2.20 percent in July from 2.25 percent in June of 2025. This dataset provides - Japan Long Term Prime Rate - actual values, historical data, forecast, chart, statistics, economic calendar and news.

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 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 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..

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

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.

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.

Japan JP: Lending Interest Rate data was reported at 1.045 % pa in 2016. This records a decrease from the previous number of 1.143 % pa for 2015. Japan JP: Lending Interest Rate data is updated yearly, averaging 6.151 % pa from Dec 1960 (Median) to 2016, with 57 observations. The data reached an all-time high of 9.113 % pa in 1974 and a record low of 1.045 % pa in 2016. Japan JP: Lending 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. Lending rate is the bank rate that usually meets the short- and medium-term financing needs of the private sector. This rate is normally differentiated according to creditworthiness of borrowers and objectives of financing. The terms and conditions attached to these rates differ by country, however, limiting their comparability.; ; International Monetary Fund, International Financial Statistics and data files.; ;

Forecast: Bank Lending Interest Rate in Japan 2022 - 2026 Discover more data with ReportLinker!

In June 2025, the median interest rate on variable rate housing loans set by city banks in Japan stood at about **** 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.

Lending interest rate of Japan decreased by 4.86% from 1.04 % in 2016 to 0.99 % in 2017. Since the 1.39% rise in 2008, lending interest rate sank by 47.94% in 2017. Lending interest rate is the rate charged by banks on loans to prime customers.

Japan JP: Lending Rate data was reported at 0.994 % pa in 2017. This records a decrease from the previous number of 1.045 % pa for 2016. Japan JP: Lending Rate data is updated yearly, averaging 6.600 % pa from Dec 1953 (Median) to 2017, with 65 observations. The data reached an all-time high of 9.113 % pa in 1974 and a record low of 0.994 % pa in 2017. Japan JP: Lending Rate 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.

Japan JP: Risk Premium on Lending: Lending Rate Minus Treasury Bill Rate data was reported at 1.273 % pa in 2016. This records an increase from the previous number of 1.155 % pa for 2015. Japan JP: Risk Premium on Lending: Lending Rate Minus Treasury Bill Rate data is updated yearly, averaging 1.922 % pa from Dec 1960 (Median) to 2016, with 55 observations. The data reached an all-time high of 2.900 % pa in 1978 and a record low of 1.155 % pa in 2015. Japan JP: Risk Premium on Lending: Lending Rate Minus Treasury Bill 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. Risk premium on lending is the interest rate charged by banks on loans to private sector customers minus the 'risk free' treasury bill interest rate at which short-term government securities are issued or traded in the market. In some countries this spread may be negative, indicating that the market considers its best corporate clients to be lower risk than the government. The terms and conditions attached to lending rates differ by country, however, limiting their comparability.; ; International Monetary Fund, International Financial Statistics database.; ;