Japan Mortgage Calculator
Estimate monthly payments, bonus payments, and total interest for Japanese home loans (Flat 35, Variable).
About this tool
This calculator uses the standard amortization method used by Japanese banks.
- Bonus Payments: In Japan, you can allocate up to 50% of your loan principal to be paid during bonus months (usually June/July and December). This reduces your monthly payment but increases the payment during bonus months.
- Interest Rates: Variable rates in Japan can be as low as 0.3-0.5%, while fixed rates (like Flat 35) are typically higher (1.5-2.0%).