According to a survey conducted from April to May 2024, the largest share of home loan borrowers in Japan, around 26.6 percent, had a debt-to-income ratio of between 15 to 20 percent. Close to 11 percent of respondents had a debt-to-income ratio of over 30 percent.
Distribution of housing loan borrowers in Japan as of May 2024, by debt-to-income ratio
among respondents who have taken out a variable rate home loan between October 2023 and March 2024; excluding students and unemployed persons
Method of interview
Online survey
Supplementary notes
The statistic refers to new home loans for residential use (excluding refinance loans, renovation loans, loans for land only, or apartment or investment loans).
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JHF. (June 28, 2024). Distribution of housing loan borrowers in Japan as of May 2024, by debt-to-income ratio [Graph]. In Statista. Retrieved December 19, 2024, from https://www.statista.com/statistics/1538611/japan-home-loan-borrowers-distribution-by-debt-to-income-ratio/
JHF. "Distribution of housing loan borrowers in Japan as of May 2024, by debt-to-income ratio." Chart. June 28, 2024. Statista. Accessed December 19, 2024. https://www.statista.com/statistics/1538611/japan-home-loan-borrowers-distribution-by-debt-to-income-ratio/
JHF. (2024). Distribution of housing loan borrowers in Japan as of May 2024, by debt-to-income ratio. Statista. Statista Inc.. Accessed: December 19, 2024. https://www.statista.com/statistics/1538611/japan-home-loan-borrowers-distribution-by-debt-to-income-ratio/
JHF. "Distribution of Housing Loan Borrowers in Japan as of May 2024, by Debt-to-income Ratio." Statista, Statista Inc., 28 Jun 2024, https://www.statista.com/statistics/1538611/japan-home-loan-borrowers-distribution-by-debt-to-income-ratio/
JHF, Distribution of housing loan borrowers in Japan as of May 2024, by debt-to-income ratio Statista, https://www.statista.com/statistics/1538611/japan-home-loan-borrowers-distribution-by-debt-to-income-ratio/ (last visited December 19, 2024)
Distribution of housing loan borrowers in Japan as of May 2024, by debt-to-income ratio [Graph], JHF, June 28, 2024. [Online]. Available: https://www.statista.com/statistics/1538611/japan-home-loan-borrowers-distribution-by-debt-to-income-ratio/