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Mortgages in Japan

Statistics report on mortgages in Japan

This report presents a range of statistics and facts on mortgages in Japan. Next to an overview chapter, it includes chapters on residential property price trends, interest rates, lenders, and customer insights.

Table of contents

Overview

5
  • Premium Statistic Home ownership rate in Japan 1973-2023
  • Premium Statistic Share of households owning homes in Japan 2015-2024, by age of household head
  • Premium Statistic Outstanding housing loans in Japan Q1 2018-Q2 2025, by lending institution
  • Premium Statistic Number of new housing units started in Japan 1995-2025
  • Premium Statistic CPI of housing in Japan 2015-2024

Economic indicators

6
  • Basic Statistic Growth of the real gross domestic product (GDP) in Japan 1980-2031
  • Premium Statistic CPI of all items Japan 1990-2025
  • Premium Statistic Monthly inflation rate Japan 2020-2026
  • Premium Statistic Monthly central bank policy rate in Japan 2006-2026
  • Premium Statistic Monthly short-term prime lending rate in Japan 2019-2025
  • Premium Statistic Monthly interest rate of new 10-year JGBs in Japan 2020-2025

Home loan rates

6
  • Premium Statistic Median variable mortgage rate in Japan 2015-2026
  • Premium Statistic Monthly median variable mortgage rate in Japan 2019-2026
  • Premium Statistic Median interest rate on 10-year fixed rate housing loans in Japan 2015-2024
  • Premium Statistic Monthly median 10-year fixed mortgage rate in Japan 2019-2026
  • Premium Statistic Interest rates on 21 to 35-year Flat 35 housing loans in Japan 2017-2025
  • Premium Statistic Maximum and minimum housing loan rates in Japan 2025, by interest rate type

Price development

5
  • Premium Statistic Change in official residential land prices in Japan 1980-2025
  • Premium Statistic Change in official residential land prices in Japan 2016-2025, by region
  • Premium Statistic Monthly residential property price index in Japan 2019-2025
  • Premium Statistic Quarterly real house price index in Japan Q1 2014-Q1 2025
  • Premium Statistic House price to income ratio in Japan 1960-2025, by quarter

Home loans

6
  • Premium Statistic Outstanding home loans in Japan in FY 2015-2024, by institution
  • Premium Statistic Monthly home loan repayments of working households in Japan 2014-2023
  • Premium Statistic New home loans issued in Japan in FY 2015-2024, by institution
  • Premium Statistic Share of new home loans issued in Japan FY 2018-2022, by purpose
  • Premium Statistic Breakdown of new home loans in Japan FY 2017-2022, by interest rate type
  • Premium Statistic Japan Housing Finance Agency's outstanding home loans FY 2014-2023

Consumer insights

5
  • Premium Statistic Breakdown of home loan borrowers in Japan 2025, by interest rate type
  • Premium Statistic Breakdown of home loan borrowers in Japan 2025, by interest rate
  • Premium Statistic Breakdown of home loan borrowers in Japan 2025, by debt-to-income ratio
  • Premium Statistic Breakdown of home loan borrowers in Japan 2025, by repayment period
  • Premium Statistic Breakdown of home loan borrowers in Japan 2025, by LTV ratio
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