How is the monthly repayment calculated?

The calculator uses the standard amortizing loan formula. The annual interest rate is converted to a monthly rate, and the loan principal is divided into equal monthly repayments over the loan term so the balance reaches zero at the end of the term.

Does this work for both fixed-rate and variable-rate loans?

Yes, the underlying repayment math is the same. Japanese lenders commonly offer variable rates, fixed rates for a set number of years, or a full fixed rate for the entire term. Enter the rate that applies to your loan; if your rate can change, rerun the calculator with the new rate once it resets.

What loan term should I use?

Japanese home loans commonly run 20 to 35 years, with 35 years being a widely offered maximum. Enter the term stated in your loan offer, or the remaining term for an existing loan.

Does this include registration tax, broker fees, or fire insurance?

No. This calculator covers principal and interest repayments only. It does not include registration and license tax, judicial scrivener fees, loan guarantee fees, or fire and earthquake insurance, all of which add to the cost of buying with a mortgage in Japan.

Why are amounts shown in whole yen with no decimals?

The yen has no commonly used subunit in everyday transactions, so this calculator rounds all displayed amounts to the nearest whole yen, matching how Japanese lenders quote repayment figures.

Does this account for the mortgage tax deduction (jutaku loan control)?

No. Japan offers a home loan tax credit that reduces income tax for qualifying borrowers, but the rules depend on income, property type, and the year the loan started. This tool estimates loan repayments only and does not model any tax credit.

Japan Mortgage Calculator

Name: Japan Mortgage Calculator
Availability: InStock
Author: Nham Vu

Enter your loan principal in yen, interest rate, and loan term to get your monthly Japan mortgage repayment, total interest, and a year-by-year amortization summary.

Loan Details

Loan Principal (JPY)

Interest Rate (% per year)

Loan Term (years)

Property Price (JPY) (optional, for LTV)

Enter your loan details to see the repayment breakdown.

Monthly Repayment

¥0

Total Interest

¥0

Total Repaid

¥0

Loan Principal	—
Interest Rate	—
Loan Term	—
Year 1 Principal / Interest Split	—

Amortization Summary by Year

Year	Principal Paid	Interest Paid	Ending Balance

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Summary

Enter your loan principal in yen, interest rate, and loan term to get your monthly Japan mortgage repayment, total interest, and a year-by-year amortization summary.

How it works

Enter the loan principal in Japanese yen.
Enter the annual interest rate as a percentage.
Enter the loan term in years.
Optionally enter the property price to see the loan-to-value ratio.
Read the monthly repayment, total interest, and total repaid in the results panel.
Expand the amortization table to see the principal and interest split for each year of the loan.

Use cases

Estimating monthly repayments before applying for a Japan home loan.
Comparing repayments across fixed and variable interest rates before choosing a plan.
Checking the loan-to-value ratio against a property price before making an offer.
Seeing how much of each payment goes to interest versus principal in the early years.
Working out total interest paid over a 25-year versus a 35-year term.
Reviewing a year-by-year amortization schedule for financial planning.

Frequently Asked Questions

Last updated: 2026-07-24 · Reviewed by Nham Vu