In the fiscal year 2023, around 26.6 percent of Flat 35 home loan borrowers in Japan had a debt-to-income ratio of 25 to under 30 percent. This was followed by 22 percent of borrowers who had a debt-to-income ratio of 20 to under 25 percent. Flat 35 loans are long-term fixed interest rate housing loans for up to 35 years that are offered by private financial institutions and securitized or insured by the Japan Housing Finance Agency.
Distribution of Flat 35 housing loan borrowers in Japan in fiscal year 2023, by debt-to-income ratio
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Distribution of Flat 35 housing loan borrowers in Japan in fiscal year 2023, by debt-to-income ratio
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fiscal year 2023; the fiscal year in Japan starts on April 1 and ends on March 31 of the following year
Number of respondents
32,382*
Special properties
expected monthly repayment divided by the monthly household income
Supplementary notes
*Loans of the Flat 35 Purchase Program and Guarantee Program approved by the Japan Housing Finance Agency between April 2023 and March 2024 (excluding cases related to refinancing).
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JHF. (July 26, 2024). Distribution of Flat 35 housing loan borrowers in Japan in fiscal year 2023, by debt-to-income ratio [Graph]. In Statista. Retrieved March 13, 2025, from https://www.statista.com/statistics/1274817/japan-flat35-loan-borrowers-distribution-by-debt-to-income-ratio/
JHF. "Distribution of Flat 35 housing loan borrowers in Japan in fiscal year 2023, by debt-to-income ratio." Chart. July 26, 2024. Statista. Accessed March 13, 2025. https://www.statista.com/statistics/1274817/japan-flat35-loan-borrowers-distribution-by-debt-to-income-ratio/
JHF. (2024). Distribution of Flat 35 housing loan borrowers in Japan in fiscal year 2023, by debt-to-income ratio. Statista. Statista Inc.. Accessed: March 13, 2025. https://www.statista.com/statistics/1274817/japan-flat35-loan-borrowers-distribution-by-debt-to-income-ratio/
JHF. "Distribution of Flat 35 Housing Loan Borrowers in Japan in Fiscal Year 2023, by Debt-to-income Ratio." Statista, Statista Inc., 26 Jul 2024, https://www.statista.com/statistics/1274817/japan-flat35-loan-borrowers-distribution-by-debt-to-income-ratio/
JHF, Distribution of Flat 35 housing loan borrowers in Japan in fiscal year 2023, by debt-to-income ratio Statista, https://www.statista.com/statistics/1274817/japan-flat35-loan-borrowers-distribution-by-debt-to-income-ratio/ (last visited March 13, 2025)
Distribution of Flat 35 housing loan borrowers in Japan in fiscal year 2023, by debt-to-income ratio [Graph], JHF, July 26, 2024. [Online]. Available: https://www.statista.com/statistics/1274817/japan-flat35-loan-borrowers-distribution-by-debt-to-income-ratio/
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