Japan housing loan calculator (Jutaku Loan 住宅ローン)
Calculate Japanese mortgage monthly payments, 0.7% tax credit (Jutaku Loan Kojo), Flat 35 rates, and total markup interest in Japanese Yen.
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変動金利: 約0.3%〜0.8% / フラット35固定金利: 約1.5%〜2.0%
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About this tool
Calculate housing loan monthly payments in Japan (Jutaku Loan 住宅ローン). Compare floating variable interest rates with Flat 35 fixed loans, calculate principal and interest amortization, and estimate your 0.7% annual mortgage tax credit deduction (Jutaku Loan Kojo up to 13 years).
How to use it
- 1 Enter property price and your down payment in JPY.
- 2 Select loan duration (e.g. 30 or 35 years) and interest rate (variable or Flat 35).
- 3 View monthly payment, total interest markup, and annual mortgage tax credit savings.
Questions
What is the Jutaku Loan Kojo tax credit in Japan?
The Japanese housing loan tax credit allows homeowners to deduct 0.7% of their remaining year-end mortgage balance directly from their income tax and resident tax for up to 13 years.
What is Flat 35 in Japan?
Flat 35 (フラット35) is a long-term, fixed-rate housing loan offered in partnership between private financial institutions and the Japan Housing Finance Agency (JHF).
Is my data uploaded?
No. This tool runs in your browser, so your text and files never reach our server.
Is this tool free?
Yes. It’s free to use with no sign-up and no limits for normal use.
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