Breakdown of Flat 35 loan borrowers in Japan FY 2023, by household income

Published by Statista Research Department, Jul 8, 2025

In the fiscal year 2023, over ** percent of borrowers using the Flat ** loan had a household income of four to under *********** Japanese yen. On average, Flat ** home loan borrowers had a household income of ************ yen.
Flat ** loans are long-term fixed interest rate housing loans for up to 35 years that are offered by private financial institutions and securitized or insured by the Japan Housing Finance Agency.

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Distribution of Flat 35 housing loan borrowers in Japan in fiscal year 2023, by household income

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Release date

July 2024

Region

Japan

Survey time period

fiscal year 2023; the fiscal year in Japan starts on April 1 and ends on March 31 of the following year

Number of respondents

32,382*

Supplementary notes

*Loans of the Flat 35 Purchase Program and Guarantee Program approved by the Japan Housing Finance Agency between April 2023 and March 2024 (excluding cases related to refinancing).

100 Japanese yen equal 0.67 U.S. dollars or 0.62 euros as of August 2024. 
Values have been rounded.

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