Japan Mortgage Calculator
Calculate your Japanese mortgage payments, compare loan options, and determine what you can afford in Japan
￥300,000
20.0% of home price (￥60,000)
￥3,000
￥1,200
Required if down payment < 20% (￥0)
￥0
Monthly Payment
￥1,517
Principal & Interest
Total Monthly
￥1,867
Including all costs
Total Interest
￥306,107
Over life of loan
Total Cost
￥546,107
Principal + Interest
Total Cost
Principal
Interest
Payment Breakdown
Japan Mortgage Calculator Guide
Our comprehensive Japanese mortgage calculator is designed specifically for the Japanese housing market. Whether you're buying your first home in Tokyo, Osaka, Kyoto, or anywhere across Japan, our calculator accounts for Japanese-specific factors like fixed-rate housing loans, property taxes, and registration fees.
Japanese Mortgage Features
Japan Mortgage Market Overview
The Japanese mortgage market offers various loan types including Flat 35, variable-rate, and fixed-rate housing loans. Current mortgage rates are among the lowest globally, with Flat 35 rates around 1.5-2.5% and variable rates starting from 0.5%. Our calculator helps you understand the true cost of homeownership including property taxes, registration fees, and fire insurance to make informed decisions about your home purchase across Japan.