Japan: quarterly outstanding housing loans by lending institution 2025| ��ƽ��

Outstanding amount of housing loans in Japan from 1st quarter 2018 to 2nd quarter 2025, by type of lending institution (in trillion Japanese yen)

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Release date

September 2025

More information

Region

Japan

Survey time period

Q1 2018 to Q2 2025

Special properties

loans granted to households; including sole proprietorships

Supplementary notes

*Preliminary figures.

100 Japanese yen equal 0.68 U.S. dollars or 0.58 euros as of September 2025.

Values have been rounded.

Citation formats

In the second quarter of 2025, outstanding housing loans granted to households in Japan amounted to around trillion Japanese yen. With about **** trillion yen in outstanding home loans, public lenders accounted for roughly nine percent of the total amount.

Leading types of lenders in Japan

Domestically licensed banks represented the leading type of lender in the fiscal year 2024, accounting for more than ** percent of outstanding mortgages. They were followed by the Japan Housing Finance Agency, Shinkin banks, and labor banks. The value of new home loans originated grew by around **** percent compared to the previous year.

Japan Housing Finance Agency

The Japan Housing Finance Agency was the largest public housing loan lender. In cooperation with private institutions, the government-affiliated organization ensures the provision of long-term fixed-rate housing loans, such as the Flat 35 loan, by securitizing them under its loan purchase program. Next to securitization support, the JHF also offers housing loan insurance services and direct lending for reconstruction and maintenance.