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Maximum and minimum interest rates of Flat 35 housing loans with a term of up to 20 years in Japan from December 2017 to September 2025

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Source

Release date

September 2025

Region

Japan

Survey time period

December 2017 to September 2025

Special properties

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 up to 20-year Flat 35 housing loans in Japan 2017-2025

Published by ÌÇÐÄÆƽâ°æ Research Department, Sep 5, 2025

As of September 2025, the maximum interest rate for fixed-rate Flat 35 housing loans of up to 20 years with a loan-to-value ratio of 90 percent or less in Japan stood at **** percent. Flat 35 loans are long-term fixed interest rate housing loans for up to 35 years that are offered by private financial institutions and securitized or insured by the Japan Housing Finance Agency.

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