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¥25m Home Loan: Monthly Payments in Japan

¥25m at 1% over 35 years is about ¥70,571 a month.

Loan details

Amount×¥10kInterest rate a year%YearsyrsYearly pay (affordability)×¥10k

Monthly payment

¥70,571

About 25% is comfortable; banks often allow up to about 35%.

Rate	Monthly	Total	Interest
0.5%	¥64,896	¥27,256,464	¥2,256,464
0.75%	¥67,696	¥28,432,407	¥3,432,407
1%	¥70,571	¥29,639,998	¥4,639,998
1.5%	¥76,546	¥32,149,366	¥7,149,366
2%	¥82,816	¥34,782,591	¥9,782,591
2.5%	¥89,374	¥37,536,998	¥12,536,998
3%	¥96,213	¥40,409,270	¥15,409,270

No bonus repayments, steady rate, no fees. Not tax or labour advice. 🔒 Everything stays on your device.

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✅ Rules last checked: October 2026

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Answer: ¥25m at 1% over 35 years costs about ¥70,571 a month.

Rate	25 yrs	30 yrs	35 yrs
0.5%	¥88,667	¥74,797	¥64,896
1%	¥94,218	¥80,410	¥70,571
1.5%	¥99,984	¥86,280	¥76,546
2%	¥105,964	¥92,405	¥82,816
2.5%	¥112,154	¥98,780	¥89,374
3%	¥118,553	¥105,401	¥96,213

Equal payments, no bonus repayments, steady rate.

Q¥35m at 1% for 35 years?

AAbout ¥98,800 a month.