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¥40m Home Loan: Monthly Payments in Japan

¥40m at 1% over 35 years is about ¥112,914 a month.

Loan details

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

Monthly payment

¥112,914

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

Rate	Monthly	Total	Interest
0.5%	¥103,834	¥43,610,343	¥3,610,343
0.75%	¥108,314	¥45,491,851	¥5,491,851
1%	¥112,914	¥47,423,997	¥7,423,997
1.5%	¥122,474	¥51,438,986	¥11,438,986
2%	¥132,505	¥55,652,145	¥15,652,145
2.5%	¥142,998	¥60,059,196	¥20,059,196
3%	¥153,940	¥64,654,832	¥24,654,832

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: ¥40m at 1% over 35 years costs about ¥112,914 a month.

Rate	25 yrs	30 yrs	35 yrs
0.5%	¥141,868	¥119,676	¥103,834
1%	¥150,749	¥128,656	¥112,914
1.5%	¥159,975	¥138,048	¥122,474
2%	¥169,542	¥147,848	¥132,505
2.5%	¥179,447	¥158,048	¥142,998
3%	¥189,685	¥168,642	¥153,940

Equal payments, no bonus repayments, steady rate.

Q¥35m at 1% for 35 years?

AAbout ¥98,800 a month.