Japan Mortgage Monthly Payment

Calculate monthly housing loan payment using Japan's standard 元利均等 (principal+interest equal) method.

2026 tax-year compliantSwitch to Japanese version

Japan Mortgage Monthly Payment

Calculate monthly housing loan payment using Japan's standard 元利均等 (principal+interest equal) method.

1. Enterfill in details
2. Calculateclick the button
3. Resultshown instantly

The annual salary.

×10K JPY

The price of the property

×10K JPY

The head.

×10K JPY

I'm not sure what I'm saying.

0.5%

The repayment period.

35years

Key Points

✓Method: equal principal+interest payments
✓Typical term: 25-35 years
✓Down payment: 10-20% standard, 0% available

FAQ

What rate should I assume?

Variable rates are around 0.4-0.7% in 2026. Fixed (Flat 35) is 1.7-2.0%. Check your bank's current rate.

Can foreigners get a mortgage?

Yes, with permanent residence or stable income. Some banks (like SBI) offer mortgages to non-PR foreigners.

⚠️ Disclaimer

This calculator provides estimates only. For actual tax filing, please consult a licensed 税理士 (zeirishi) or FP (Financial Planner). Results are not a substitute for professional advice.

← See more English calculators