According to a survey conducted between April and May 2023, around 75.4 percent of respondents in Japan who took out home loans with banks had a variable rate home loan. While floating-rate loans were the leading type of interest rate among most types of lenders, about 45.8 percent of respondents who borrowed from other lenders, such as mortgage banks, selected a fixed-rate loan for the entire period.
Distribution of housing loan borrowers in Japan as of May 2023, by lender and type of interest rate
among respondents who have taken out a home loan between October 2022 and March 2023; excluding students and unemployed persons
Method of interview
Online survey
Supplementary notes
*Including 78 respondents who have taken out Flat 35 housing loans.
The statistic refers to new home loans for residential use (excluding refinance loans, renovation loans, loans for land only, or apartment or investment loans).
Number of respondents by type of lender:
Banks: n=1,189
Shinkin banks and credit cooperatives: n=91
Labor credit associations: n=71
JA Bank: n=101
Others (mortgage banks, etc.): n=48
Profit from the additional features of your individual account
Currently, you are using a shared account. To use individual functions (e.g., mark statistics as favourites, set
statistic alerts) please log in with your personal account.
If you are an admin, please authenticate by logging in again.
Learn more about how Statista can support your business.
JHF. (June 30, 2023). Distribution of housing loan borrowers in Japan as of May 2023, by lender and type of interest rate [Graph]. In Statista. Retrieved November 23, 2024, from https://www.statista.com/statistics/1297035/japan-home-loan-borrower-distribution-by-lender-and-interest-rate-type/
JHF. "Distribution of housing loan borrowers in Japan as of May 2023, by lender and type of interest rate." Chart. June 30, 2023. Statista. Accessed November 23, 2024. https://www.statista.com/statistics/1297035/japan-home-loan-borrower-distribution-by-lender-and-interest-rate-type/
JHF. (2023). Distribution of housing loan borrowers in Japan as of May 2023, by lender and type of interest rate. Statista. Statista Inc.. Accessed: November 23, 2024. https://www.statista.com/statistics/1297035/japan-home-loan-borrower-distribution-by-lender-and-interest-rate-type/
JHF. "Distribution of Housing Loan Borrowers in Japan as of May 2023, by Lender and Type of Interest Rate." Statista, Statista Inc., 30 Jun 2023, https://www.statista.com/statistics/1297035/japan-home-loan-borrower-distribution-by-lender-and-interest-rate-type/
JHF, Distribution of housing loan borrowers in Japan as of May 2023, by lender and type of interest rate Statista, https://www.statista.com/statistics/1297035/japan-home-loan-borrower-distribution-by-lender-and-interest-rate-type/ (last visited November 23, 2024)
Distribution of housing loan borrowers in Japan as of May 2023, by lender and type of interest rate [Graph], JHF, June 30, 2023. [Online]. Available: https://www.statista.com/statistics/1297035/japan-home-loan-borrower-distribution-by-lender-and-interest-rate-type/
