Japan Mortgage Calculator
Calculate your mortgage payments for properties in Japan with ultra-low interest rates and Flat 35 options
￥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 Japan mortgage calculator is designed specifically for the Japanese property market. Whether you're buying in Tokyo, Osaka, or other major cities, our calculator accounts for Japan's unique features including ultra-low interest rates, Flat 35 programs, and long repayment periods up to 50 years.
Japan Mortgage Features
Japan Mortgage Market Overview
Japan's mortgage market offers some of the world's lowest interest rates, often below 1%. The government-backed Flat 35 program provides stable fixed rates for the entire loan period. Japanese banks also offer ultra-long 50-year mortgages, allowing buyers to minimize monthly payments. Our calculator helps you understand the true cost including registration taxes, fire insurance, and earthquake-resistant property requirements.