Monthly Payment
JPYNaN
Loan Amount
JPYNaN
Total Repayment
JPYNaN
Total Interest
JPYNaN
LTV Ratio
NaN%
Japan Flat 35 Mortgage कैलकुलेटर — संपत्ति Price (¥) ₹40,00,00,000
With संपत्ति price (¥) of ₹40,00,00,000, the मासिक भुगतान is JPY12,66,594.
Minimum 10% for Flat 35; 0% down available for some products
Flat 35 fixed rate (currently ~1.84% for 35-year term, April 2025)
Maximum 35 years for Flat 35 product
Loan Amount
JPY3,20,00,000
Monthly Payment
JPY1,03,395
Total Repayment
JPY4,34,26,090
Total Interest
JPY1,14,26,090
LTV Ratio
80.0%
Flat 35 is a fixed-rate mortgage product from Japan Housing Finance Agency (住宅金融支援機構). Rate shown is indicative — check JHFA for current rates. Does not include fire insurance or administrative fees.
What is the Japan Flat 35 Mortgage Calculator?
The Flat 35 (フラット35) is Japan's flagship fixed-rate mortgage, offered through private lenders backed by the Japan Housing Finance Agency (JHFA/住宅金融支援機構). Unlike variable-rate mortgages common in Japan, Flat 35 fixes your rate for the entire loan term (up to 35 years). This makes it popular with first-home buyers who want payment certainty, especially given that Japanese variable rates have historically been ultra-low.
Formula
Monthly Payment = P × r(1+r)^n / ((1+r)^n − 1), where P = loan amount, r = monthly rate, n = total months.- M
- = Monthly payment
- P
- = Loan principal
- r
- = Monthly interest rate (annual ÷ 12)
- n
- = Total number of monthly payments
How to use the Japan Flat 35 Mortgage Calculator
- 1
Step 1
Enter the property purchase price.
- 2
Step 2
Enter your planned down payment (minimum 10% recommended).
- 3
Step 3
Set the interest rate — the Flat 35 rate is currently around 1.84%.
- 4
Step 4
Choose your loan term (up to 35 years).
- 5
Step 5
View monthly payment, total repayment, and interest cost.
Reviewed by
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Frequently asked questions
What is the Flat 35 mortgage in Japan?
Flat 35 is a long-term fixed-rate mortgage backed by the Japan Housing Finance Agency. It offers fixed rates for 15–35 years through private banks. Rates are published monthly and vary by lender. The advantage is total predictability over the loan term.
What is the current Flat 35 interest rate in 2025?
As of April 2025, the lowest Flat 35 rate (35-year term) is approximately 1.84% per annum. Rates are updated monthly by JHFA and vary by lender and loan conditions.
How much down payment is required for a Japanese mortgage?
Most lenders require 10-20% down payment. Some Flat 35 products allow 0-10% down for first-home buyers with strong credit, though mortgage insurance premiums may apply. Higher LTV means higher rates.
Can foreigners get a Flat 35 mortgage in Japan?
Yes, permanent residents can typically access Flat 35. Non-permanent residents may face restrictions depending on the lender, but some major banks offer mortgages to foreigners with work visas above a certain duration.
Is it better to get a fixed or variable mortgage in Japan?
Japan's variable rates (currently ~0.3-0.5%) are much lower than Flat 35 fixed rates, but carry rising interest rate risk as the Bank of Japan normalises policy. Fixed (Flat 35) provides certainty. Many buyers choose variable but should model rate rise scenarios.
Sources
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Calculated with CalcCrack