In January 2025, the median interest rate on variable rate housing loans set by city banks in Japan stood at about 2.63 percent per annum. In October 2024, the rate had increased for the first time in over a decade. The short-term prime lending rate serves as a benchmark for adjustable rate home loan rates.
Median interest rate on variable rate housing loans in Japan from January 2019 to January 2025
Median value of floating interest rates for housing loans provided by city banks (Mizuho Bank, MUFG Bank, Sumitomo Mitsui Banking Corporation, Resona Bank, and Saitama Resona Bank).
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Housing Finance Promotion Association. (January 16, 2025). Median interest rate on variable rate housing loans in Japan from January 2019 to January 2025 [Graph]. In Statista. Retrieved January 24, 2025, from https://www.statista.com/statistics/1487986/japan-monthly-interest-rate-on-variable-rate-housing-loans-median/?__sso_cookie_checker=failed
Housing Finance Promotion Association. "Median interest rate on variable rate housing loans in Japan from January 2019 to January 2025." Chart. January 16, 2025. Statista. Accessed January 24, 2025. https://www.statista.com/statistics/1487986/japan-monthly-interest-rate-on-variable-rate-housing-loans-median/?__sso_cookie_checker=failed
Housing Finance Promotion Association. (2025). Median interest rate on variable rate housing loans in Japan from January 2019 to January 2025. Statista. Statista Inc.. Accessed: January 24, 2025. https://www.statista.com/statistics/1487986/japan-monthly-interest-rate-on-variable-rate-housing-loans-median/?__sso_cookie_checker=failed
Housing Finance Promotion Association. "Median Interest Rate on Variable Rate Housing Loans in Japan from January 2019 to January 2025." Statista, Statista Inc., 16 Jan 2025, https://www.statista.com/statistics/1487986/japan-monthly-interest-rate-on-variable-rate-housing-loans-median/?__sso_cookie_checker=failed
Housing Finance Promotion Association, Median interest rate on variable rate housing loans in Japan from January 2019 to January 2025 Statista, https://www.statista.com/statistics/1487986/japan-monthly-interest-rate-on-variable-rate-housing-loans-median/?__sso_cookie_checker=failed (last visited January 24, 2025)
Median interest rate on variable rate housing loans in Japan from January 2019 to January 2025 [Graph], Housing Finance Promotion Association, January 16, 2025. [Online]. Available: https://www.statista.com/statistics/1487986/japan-monthly-interest-rate-on-variable-rate-housing-loans-median/?__sso_cookie_checker=failed
