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Japan Published Loan Rates
Super-long terms (35 years) and very low rates. Flat 35 is a common product.
JPY Active Currency
Launch Calculator →
Lowest Published APR
0.45%
Best rate benchmark currently on record
Market Average APR
4.23%
Mean across tracked lending products
Available Products
5 Benchmarks
Fixed, variable & personal credit
Statutory System
Flat 35 fixed-rate mortgage or variable bank loan
Verified statutory framework
Japan Rate Directory
Click Calculate on any rate to open our loan calculator pre-filled with these exact parameters.
| Lender / Benchmark | Category | Term | Rate (APR) | Type | Effective Date | Calculate |
|---|---|---|---|---|---|---|
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Market average
⚡ Live
Example market snapshot. Verify current offers before making a decision.
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🏠 Mortgage | 35 Years (420 mo) | 1.85% | fixed | 2026-09-06T00:00:00Z | Calculate → |
|
Market average
⚡ Live
Example market snapshot. Verify current offers before making a decision.
|
👤 Personal Loan | 3 Years (36 mo) | 8.50% | fixed | 2026-09-06T00:00:00Z | Calculate → |
|
Japan Flat 35 Benchmark
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🏠 Mortgage | 35 Years (420 mo) | 1.85% | fixed | Active Benchmark | Calculate → |
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Japan Variable Housing Loan Average
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🏠 Mortgage | 35 Years (420 mo) | 0.45% | variable | Active Benchmark | Calculate → |
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Japan Card Loan Benchmark
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👤 Personal Loan | 3 Years (36 mo) | 8.50% | fixed | Active Benchmark | Calculate → |
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Japan Underwriting Guidelines
Statutory Borrowing Rule
JHFA & FSA guidelines: 30%–35% annual repayment ratio, Danshin life insurance
Mortgage System
Flat 35 fixed-rate mortgage or variable bank loan
Default Insurance / Guarantee
Danshin (Group Life Insurance)
Regulatory Reference