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Distribution of housing loan borrowers in Japan as of May 2025, by debt-to-income ratio

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Source

Release date

June 2025

Region

Japan

Survey time period

April 30 to May 12, 2025

Number of respondents

1,397 respondents

Age group

20-69 years

Special properties

among respondents who have taken out a home loan between October 2024 and March 2025; excluding students and unemployed persons

Method of interview

Online survey

Supplementary notes

The statistic refers to new home loans for residential use (excluding refinance loans, renovation loans, loans for land only, or investment loans).

Debt-to-income ratio: annual repayments/annual household income

Citation formats

Breakdown of home loan borrowers in Japan 2025, by debt-to-income ratio

Published by ÌÇÐÄÆƽâ°æ Research Department, Jun 30, 2025

According to a survey conducted from April to May 2025, the largest share of home loan borrowers in Japan, around ** percent, had a debt-to-income ratio of between ** to ** percent. Around ** percent of respondents had a debt-to-income ratio of over 30 percent.

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