loans with a loan-to-value ratio of 90 percent or less; among borrowers who have taken out group life insurance provided by the Japan Housing Finance Agency
Supplementary notes
Figures prior to June 2023 are from previous reports.
Citation formats
Interest rates on 21 to 35-year Flat 35 housing loans in Japan 2017-2025
As of September 2025, the maximum interest rate for 21 to 35-year fixed-rate Flat 35 housing loans with a loan-to-value ratio of 90 percent or less in Japan stood at **** percent. This represented an increase compared to **** percent in June 2025.
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Flat 35. (September 1, 2025). Maximum and minimum interest rates of Flat 35 housing loans with a term of 21 to 35 years in Japan from December 2017 to September 2025 [Graph]. In ÌÇÐÄÆƽâ°æ. Retrieved July 31, 2026, from /statistics/1280942/japan-interest-rates-21-to-35-year-flat-35-home-loans/
Flat 35. "Maximum and minimum interest rates of Flat 35 housing loans with a term of 21 to 35 years in Japan from December 2017 to September 2025." Chart. September 1, 2025. ÌÇÐÄÆƽâ°æ. Accessed July 31, 2026. /statistics/1280942/japan-interest-rates-21-to-35-year-flat-35-home-loans/
Flat 35. (2025). Maximum and minimum interest rates of Flat 35 housing loans with a term of 21 to 35 years in Japan from December 2017 to September 2025. ÌÇÐÄÆƽâ°æ. ÌÇÐÄÆƽâ°æ Inc.. Accessed: July 31, 2026. /statistics/1280942/japan-interest-rates-21-to-35-year-flat-35-home-loans/
Flat 35. "Maximum and Minimum Interest Rates of Flat 35 Housing Loans with a Term of 21 to 35 Years in Japan from December 2017 to September 2025." ÌÇÐÄÆƽâ°æ, ÌÇÐÄÆƽâ°æ Inc., 1 Sep 2025, /statistics/1280942/japan-interest-rates-21-to-35-year-flat-35-home-loans/
Flat 35, Maximum and minimum interest rates of Flat 35 housing loans with a term of 21 to 35 years in Japan from December 2017 to September 2025 ÌÇÐÄÆƽâ°æ, /statistics/1280942/japan-interest-rates-21-to-35-year-flat-35-home-loans/ (last visited July 31, 2026)
Maximum and minimum interest rates of Flat 35 housing loans with a term of 21 to 35 years in Japan from December 2017 to September 2025 [Graph], Flat 35, September 1, 2025. [Online]. Available: /statistics/1280942/japan-interest-rates-21-to-35-year-flat-35-home-loans/
