Median value of floating interest rates for housing loans provided by city banks (Mizuho Bank, MUFG Bank, Sumitomo Mitsui Banking Corporation, Resona Bank, and Saitama Resona Bank).
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Monthly median variable mortgage rate in Japan 2019-2026
In June 2026, the median interest rate on variable rate housing loans set by city banks in Japan stood at about **** percent per annum. In October 2024, the rate had increased for the first time in over a decade. The short-term prime lending rate serves as a benchmark for adjustable rate home loan rates.
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Housing Finance Promotion Association. (June 12, 2026). Median interest rate on variable rate housing loans in Japan from January 2019 to June 2026 [Graph]. In ÌÇÐÄÆÆ½â°æ. Retrieved July 30, 2026, from /statistics/1487986/japan-monthly-interest-rate-on-variable-rate-housing-loans-median/
Housing Finance Promotion Association. "Median interest rate on variable rate housing loans in Japan from January 2019 to June 2026." Chart. June 12, 2026. ÌÇÐÄÆÆ½â°æ. Accessed July 30, 2026. /statistics/1487986/japan-monthly-interest-rate-on-variable-rate-housing-loans-median/
Housing Finance Promotion Association. (2026). Median interest rate on variable rate housing loans in Japan from January 2019 to June 2026. ÌÇÐÄÆÆ½â°æ. ÌÇÐÄÆÆ½â°æ Inc.. Accessed: July 30, 2026. /statistics/1487986/japan-monthly-interest-rate-on-variable-rate-housing-loans-median/
Housing Finance Promotion Association. "Median Interest Rate on Variable Rate Housing Loans in Japan from January 2019 to June 2026." ÌÇÐÄÆÆ½â°æ, ÌÇÐÄÆÆ½â°æ Inc., 12 Jun 2026, /statistics/1487986/japan-monthly-interest-rate-on-variable-rate-housing-loans-median/
Housing Finance Promotion Association, Median interest rate on variable rate housing loans in Japan from January 2019 to June 2026 ÌÇÐÄÆÆ½â°æ, /statistics/1487986/japan-monthly-interest-rate-on-variable-rate-housing-loans-median/ (last visited July 30, 2026)
Median interest rate on variable rate housing loans in Japan from January 2019 to June 2026 [Graph], Housing Finance Promotion Association, June 12, 2026. [Online]. Available: /statistics/1487986/japan-monthly-interest-rate-on-variable-rate-housing-loans-median/