Japan: breakdown of Flat 35 home loan borrowers by debt-to-income ratio 2022

In the fiscal year 2022, around 27.5 percent of Flat 35 home loan borrowers in Japan had a debt-to-income ratio of 25 to under 30 percent. This was followed by 22.4 percent of borrowers who had a debt-to-income ratio of 20 to under 25 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.

Distribution of Flat 35 housing loan borrowers in Japan in fiscal year 2022, by debt-to-income ratio

Characteristic	Share of borrowers
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Release date

August 2023

More information

Region

Japan

Survey time period

fiscal year 2022; the fiscal year in Japan starts on April 1 and ends on March 31 of the following year

Number of respondents

51,142*

Special properties

expected monthly repayment divided by the monthly household income

Supplementary notes

*Loans of the Flat 35 Purchase Program and Guarantee Program approved by the Japan Housing Finance Agency between April 2022 and March 2023 (excluding cases related to refinancing).

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