Japan: breakdown of home loan borrowers by lender and interest rate type 2022

According to a survey conducted between April and May 2022, around 77.2 percent of respondents in Japan who took out home loans with banks had a variable rate home loan. While floating-rate loans were the leading type of interest rate among most types of lenders, about 67.2 percent of respondents who borrowed from other lenders, such as mortgage banks, selected a fixed-rate loan for the entire period.

Distribution of housing loan borrowers in Japan as of May 2022, by lender and type of interest rate

Characteristic	Variable rate	Fixed rate for selected period	Fixed rate for entire period
-	-	-	-
-	-	-	-
-	-	-	-
-	-	-	-
-	-	-	-

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Release date

June 2022

More information

Region

Japan

Survey time period

April 28 to May 6, 2022

Number of respondents

1,500*

Age group

20-59 years

Special properties

among respondents who have taken out a home loan between October 2021 and March 2022; excluding students and unemployed people

Method of interview

Online survey

Supplementary notes

*Including 85 respondents who have taken out Flat 35 housing loans.
The statistic refers to new residential home loans (excluding refinance loans, renovation loans, loans for land only, or apartment or investment loans).

Number of respondents by type of lender:
Banks: n=1,178
Shinkin banks and credit cooperatives: n=100
Labor credit associations: n=67
JA Bank: n=97
Others: n=58

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