Breakdown of variable rate home loan borrowers in Japan 2023, by debt-to-income ratio

Published by Statista Research Department, Nov 22, 2023

According to a survey conducted from April to May 2023, the largest share of variable rate home loan borrowers in Japan, around 25.3 percent, had a debt-to-income ratio of over 15 to 20 percent. According to the same survey, over 70 percent of home loan borrowers chose a variable rate housing loan.

Distribution of variable rate housing loan borrowers in Japan as of May 2023, by debt-to-income ratio

Characteristic	Share of respondents
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Release date

June 2023

More information

Region

Japan

Survey time period

April 28 to May 10, 2023

Number of respondents

1,085 respondents

Age group

20-69 years

Special properties

among respondents who have taken out a variable rate home loan between October 2022 and March 2023; excluding students and unemployed persons

Method of interview

Online survey

Supplementary notes

The statistic refers to new home loans for residential use (excluding refinance loans, renovation loans, loans for land only, or apartment or investment loans).

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