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¥20m Home Loan: Monthly Payments in Japan

¥20m at 1% over 35 years is about ¥56,457 a month.

Loan details

Amount×¥10kInterest rate a year%YearsyrsYearly pay (affordability)×¥10k

Monthly payment

¥56,457

About 25% is comfortable; banks often allow up to about 35%.

Rate	Monthly	Total	Interest
0.5%	¥51,917	¥21,805,171	¥1,805,171
0.75%	¥54,157	¥22,745,926	¥2,745,926
1%	¥56,457	¥23,711,999	¥3,711,999
1.5%	¥61,237	¥25,719,493	¥5,719,493
2%	¥66,253	¥27,826,073	¥7,826,073
2.5%	¥71,499	¥30,029,598	¥10,029,598
3%	¥76,970	¥32,327,416	¥12,327,416

No bonus repayments, steady rate, no fees. Not tax or labour advice. 🔒 Everything stays on your device.

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✅ Rules last checked: October 2026

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Answer: ¥20m at 1% over 35 years costs about ¥56,457 a month.

Rate	25 yrs	30 yrs	35 yrs
0.5%	¥70,934	¥59,838	¥51,917
1%	¥75,374	¥64,328	¥56,457
1.5%	¥79,987	¥69,024	¥61,237
2%	¥84,771	¥73,924	¥66,253
2.5%	¥89,723	¥79,024	¥71,499
3%	¥94,842	¥84,321	¥76,970

Equal payments, no bonus repayments, steady rate.

Q¥35m at 1% for 35 years?

AAbout ¥98,800 a month.