Interest rates on up to 20-year Flat 35 housing loans in Japan 2017-2023
As of December 2023, the maximum interest rate for fixed-rate Flat 35 housing loans of up to 20 years with a loan-to-value ratio of 90 percent or less in Japan stood at 2.99 percent. Flat 35 loans are long-term fixed interest rate housing loans for up to 35 years that are offered by private financial institutions and securitized or insured by the Japan Housing Finance Agency.