Mortgage Calculator
Compare Japanese mortgage rates across 10 lenders — megabanks, regional, and internet-only. Variable, 10-year fixed and 35-year fixed. LTV up to 100% for residents, 50-60% for non-residents.
¥80,000,000
¥16,000,000 · 20.0%
0.395% · BOJ 0.500%
Max LTV: 100%
Monthly Payment
¥163,182
Loan Amount
¥64,000,000
80.0% LTV
Deposit
¥16,000,000
20.0% of price
Total Interest
¥4,536,420
Total Paid
¥68,536,420
Effective Rate
0.395%
Interest-to-Loan
7.1%
LTV Status
OK
Cap 100%
Rate Stress Test
Critical for Japan variable-rate borrowers. BOJ exited NIRP in 2024 — further hikes would compound on your floating rate.
0.395%
¥163,182
+1pp (1.395%)
¥192,683
+¥29,501/mo
+2pp (2.395%)
¥225,211
+¥62,029/mo
+3pp (3.395%)
¥260,627
+¥97,445/mo
Amortisation Schedule
Principal vs interest over the life of your mortgage.
Lender Comparison — Variable
Monthly payments across 10 Japanese lenders for your ¥64,000,000 loan over 35 years.
| Bank | Rate | Monthly | Total Interest | Total Paid |
|---|---|---|---|---|
| MUFG Bank三菱UFJ銀行Best | 0.395% | ¥163,182 | ¥4,536,420 | ¥68,536,420 |
| Rakuten Bank | 0.400% | ¥163,322 | ¥4,595,148 | ¥68,595,148 |
| SBI Shinsei Bank | 0.420% | ¥163,882 | ¥4,830,386 | ¥68,830,386 |
| Mizuho Bankみずほ銀行 | 0.450% | ¥164,724 | ¥5,184,220 | ¥69,184,220 |
| Shinsei Bank新生銀行 | 0.450% | ¥164,724 | ¥5,184,220 | ¥69,184,220 |
| PayPay BankPayPay銀行 | 0.450% | ¥164,724 | ¥5,184,220 | ¥69,184,220 |
| Resona Bankりそな銀行 | 0.470% | ¥165,288 | ¥5,420,761 | ¥69,420,761 |
| Sumitomo Mitsui Banking Corp (SMBC)三井住友銀行 | 0.475% | ¥165,429 | ¥5,479,977 | ¥69,479,977 |
| Sony Bankソニー銀行 | 0.500% | ¥166,135 | ¥5,776,548 | ¥69,776,548 |
| Aozora Bankあおぞら銀行 | 0.550% | ¥167,553 | ¥6,372,132 | ¥70,372,132 |
Japan Mortgage Notes
- • BOJ policy rate is 0.500% (post-NIRP exit). Variable rates sit ~0.4-0.6% — still globally ultra-low.
- • 60%+ of Japanese borrowers take variable. Fixed-rate premium is meaningful; 35-year fixed prices ~1.7-1.9%.
- • Japan residents can borrow up to 100% LTV (some lenders 90%). Non-residents are limited to 50-60% and few lenders engage.
- • Non-residents: try SMBC Trust (Prestia), Shinsei, or private banking divisions. Expect 3.0%+ rates and stricter docs.
- • Mortgage Loan Tax Credit (住宅ローン控除) — residents can deduct up to 0.7% of outstanding loan from income tax, up to 13 years.