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Home Loan Calculator Japan
Japanese home loan payments with a rate comparison.
Loan details
Monthly payment
¥98,800
| Total repaid | ¥41,495,998 |
| Interest | ¥6,495,998 |
| Repayments ÷ pay | 19.8% |
About 25% is comfortable; banks often allow up to about 35%.
Monthly payment by rate
| Rate | Monthly | Total | Interest |
|---|---|---|---|
| 0.5% | ¥90,855 | ¥38,159,050 | ¥3,159,050 |
| 0.75% | ¥94,775 | ¥39,805,370 | ¥4,805,370 |
| 1% | ¥98,800 | ¥41,495,998 | ¥6,495,998 |
| 1.5% | ¥107,165 | ¥45,009,113 | ¥10,009,113 |
| 2% | ¥115,942 | ¥48,695,627 | ¥13,695,627 |
| 2.5% | ¥125,123 | ¥52,551,797 | ¥17,551,797 |
| 3% | ¥134,698 | ¥56,572,978 | ¥21,572,978 |
No bonus repayments, steady rate, no fees. Not tax or labour advice. 🔒 Everything stays on your device.
✅ Rules last checked:
📚 Official sources: 住宅金融支援機構：返済額シミュレーション
We build every tool from the official rules and re-check them when they change. Always confirm with the official source before you rely on a result.
🛠️ Spotted a mistake or an out-of-date rule? Tell us
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Questions people ask
Q¥35m at 1% for 35 years?
AAbout ¥98,800 a month.
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