As of June 2025, the maximum interest rate for fixed-rate Flat ** housing loans of up to 20 years with a loan-to-value ratio of ** percent or less in Japan stood at **** percent. 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.
loans with a loan-to-value ratio of 90 percent or less; among borrowers who have taken out group life insurance provided by the Japan Housing Finance Agency
Supplementary notes
Figures prior to June 2023 are from previous reports.
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Flat 35. (June 2, 2025). Maximum and minimum interest rates of Flat 35 housing loans with a term of up to 20 years in Japan from December 2017 to June 2025 [Graph]. In Statista. Retrieved July 15, 2025, from https://www.statista.com/statistics/1423652/japan-interest-rates-20-year-flat-35-home-loans/
Flat 35. "Maximum and minimum interest rates of Flat 35 housing loans with a term of up to 20 years in Japan from December 2017 to June 2025." Chart. June 2, 2025. Statista. Accessed July 15, 2025. https://www.statista.com/statistics/1423652/japan-interest-rates-20-year-flat-35-home-loans/
Flat 35. (2025). Maximum and minimum interest rates of Flat 35 housing loans with a term of up to 20 years in Japan from December 2017 to June 2025. Statista. Statista Inc.. Accessed: July 15, 2025. https://www.statista.com/statistics/1423652/japan-interest-rates-20-year-flat-35-home-loans/
Flat 35. "Maximum and Minimum Interest Rates of Flat 35 Housing Loans with a Term of up to 20 Years in Japan from December 2017 to June 2025." Statista, Statista Inc., 2 Jun 2025, https://www.statista.com/statistics/1423652/japan-interest-rates-20-year-flat-35-home-loans/
Flat 35, Maximum and minimum interest rates of Flat 35 housing loans with a term of up to 20 years in Japan from December 2017 to June 2025 Statista, https://www.statista.com/statistics/1423652/japan-interest-rates-20-year-flat-35-home-loans/ (last visited July 15, 2025)
Maximum and minimum interest rates of Flat 35 housing loans with a term of up to 20 years in Japan from December 2017 to June 2025 [Graph], Flat 35, June 2, 2025. [Online]. Available: https://www.statista.com/statistics/1423652/japan-interest-rates-20-year-flat-35-home-loans/
