Japanese Mortgage Loan Comparison Calculator
Compare two Japanese mortgage offers side by side — monthly payment, total interest, and total cost over the loan term.
Japanese Mortgage Loan Comparison Calculator
Compare two Japanese mortgage offers side by side — monthly payment, total interest, and total cost over the loan term.
- 1. Enterfill in details
- 2. Calculateclick the button
- 3. Resultshown instantly
Key Points
- ✓Side-by-side: monthly payment, total interest, total cost
- ✓Equal-payment (元利均等) formula — Japanese-bank default
- ✓Use to compare flat vs variable, 35y vs 30y, different lenders
FAQ
Which Japanese repayment method does this use?
元利均等返済 (equal-monthly-payment) — the default for almost every Japanese bank. Total payment is constant; interest portion shrinks as principal is repaid.
Why does even a 0.1% rate gap matter so much?
Mortgage rates of 0.5–1.5% compounded over 30–35 years amplify small differences. A 0.1% gap on a ¥40M / 35-year loan is roughly ¥800,000 in lifetime interest.
Does this include 団信 (group credit life insurance) or 火災保険 (fire insurance)?
No — only principal + interest. Add 0.2–0.4%/yr equivalent for 団信 (if optional) and a flat annual premium for fire insurance separately.
⚠️ Disclaimer
This calculator provides estimates only. For actual tax filing, please consult a licensed 税理士 (zeirishi) or FP (Financial Planner). Results are not a substitute for professional advice.
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