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¥30m Home Loan: Monthly Payments in Japan

¥30m at 1% over 35 years is about ¥84,686 a month.

Loan details

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

Monthly payment

¥84,686

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

Rate	Monthly	Total	Interest
0.5%	¥77,876	¥32,707,757	¥2,707,757
0.75%	¥81,235	¥34,118,889	¥4,118,889
1%	¥84,686	¥35,567,998	¥5,567,998
1.5%	¥91,855	¥38,579,239	¥8,579,239
2%	¥99,379	¥41,739,109	¥11,739,109
2.5%	¥107,249	¥45,044,397	¥15,044,397
3%	¥115,455	¥48,491,124	¥18,491,124

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: ¥30m at 1% over 35 years costs about ¥84,686 a month.

Rate	25 yrs	30 yrs	35 yrs
0.5%	¥106,401	¥89,757	¥77,876
1%	¥113,062	¥96,492	¥84,686
1.5%	¥119,981	¥103,536	¥91,855
2%	¥127,156	¥110,886	¥99,379
2.5%	¥134,585	¥118,536	¥107,249
3%	¥142,263	¥126,481	¥115,455

Equal payments, no bonus repayments, steady rate.

Q¥35m at 1% for 35 years?

AAbout ¥98,800 a month.