As of September 2025, the maximum interest rate for fixed-rate Flat 35 housing loans of up to 20 years with a loan-to-value ratio of 90 percent or less in Japan stood at **** percent. 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.
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.
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As of September 2025, the maximum interest rate for fixed-rate Flat 35 housing loans of up to 20 years with a loan-to-value ratio of 90 percent or less in Japan stood at **** percent. 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.