Japan: criteria considered for home loan approval 2022

In a survey conducted in 2022, around 98.7 percent of private financial institutions in Japan stated that they reviewed the applicant's age at the time of full repayment to evaluate home loan applications. Next to age, the collateral valuation and the applicant's health condition were among the most common criteria assessed for home loan approval.

Aspects taken into consideration in the screening process for housing loans by private financial institutions in Japan in 2022

Characteristic	Share of respondents
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Release date

March 2023

More information

Region

Japan

Survey time period

October to November 2022

Number of respondents

1,016 private financial institutions*

Special properties

completed survey forms were collected by mail, e-mail, fax, etc.

Supplementary notes

*Survey sample:
City banks and trust banks: n=15
Regional banks I: n=61
Regional banks II: n=34
Shinkin banks: n=230
Credit cooperatives: n=128
Labor credit associations: n=13
Agricultural cooperatives: n=518
Life insurance companies: n=3
Non-life insurance companies: n=1
Mortgage banks, etc.: n=13

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