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¥40m Home Loan: Monthly Payments in Japan

¥40m at 1% over 35 years is about ¥112,914 a month.

Loan details

Monthly payment

¥112,914

Total repaid¥47,423,997
Interest¥7,423,997
Repayments ÷ pay22.6%

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

Monthly payment by rate

RateMonthlyTotalInterest
0.5%¥103,834¥43,610,343¥3,610,343
0.75%¥108,314¥45,491,851¥5,491,851
1%¥112,914¥47,423,997¥7,423,997
1.5%¥122,474¥51,438,986¥11,438,986
2%¥132,505¥55,652,145¥15,652,145
2.5%¥142,998¥60,059,196¥20,059,196
3%¥153,940¥64,654,832¥24,654,832

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

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📚 Official sources: 住宅金融支援機構:返済額シミュレーション

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Answer: ¥40m at 1% over 35 years costs about ¥112,914 a month.

Rate25 yrs30 yrs35 yrs
0.5%¥141,868¥119,676¥103,834
1%¥150,749¥128,656¥112,914
1.5%¥159,975¥138,048¥122,474
2%¥169,542¥147,848¥132,505
2.5%¥179,447¥158,048¥142,998
3%¥189,685¥168,642¥153,940

Equal payments, no bonus repayments, steady rate.

Questions people ask

Q¥35m at 1% for 35 years?

AAbout ¥98,800 a month.

Home loan payments by amount

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