Japan mortgage calculators
Estimate what you could borrow for a Japanese apartment from your income, in your own currency, whether you live in Japan or overseas. Once you’ve found a place, switch across for the indicative rate and monthly repayment on it.
Choose a calculator
How much could you borrow?
A quick, indicative estimate of what you could borrow against a Japanese property, based on your income. Everything runs in your browser — the figures you enter are never sent to us unless you put them in the enquiry form below.
Estimate your repayments
Found a property? Estimate the maximum loan against it, the indicative rate and your monthly repayment. The calculation runs entirely in your browser: the figures you enter are never sent to us unless you put them in the enquiry form below. We record only which steps are reached, so we can improve the tool.
How the loan is paid down
Balance owing Payments remaining
Hover the chart to read any year.
How the rate is built
Eligibility at a glance
A quick guide against our published criteria — not a lending decision. Every case is subject to full assessment.
Have an adviser review your numbers
Leave your details and a member of the YEN LOANS team will be in touch within one Tokyo business day. Only what is in this form when you submit it is sent to us; your other calculator figures stay in your browser.
Or write to inquiry@yenloans.com and a member of the team will pick it up.
How the estimates work
Borrowing power
Based on your income, less your existing commitments, and assessed against YEN LOANS’ lending criteria. Loans run from ¥15M to ¥525M, over terms of up to 35 years.
Loan against a property
Up to 65% of an independent valuation. The cap is 50% for second homes, short-term rentals and loans over ¥250M.
Rate
1-month TIBOR + 3.50%, reset monthly. A premium applies to loans over ¥150M and during an interest-only period.
All figures are indicative and are not an offer of finance. Whether we lend, and how much, is subject to credit assessment, valuation and final approval.
Questions about the calculator
Can I use it if I don’t live in Japan?
Yes. YEN LOANS lends to buyers whether they live in Japan or overseas, so the calculator works from income earned anywhere. Eligibility depends on the passport you hold, not where you live, and every loan is subject to credit assessment and an independent valuation of the property. Check eligibility
Which currencies can I use?
Yen and 26 others, including US dollars, pounds, euros, and Australian, Singapore and Hong Kong dollars. Conversions use an indicative exchange rate. The loan itself, and every repayment, is in yen.
How is it different from a general mortgage calculator?
A general calculator works with whatever rate and term you type in. This one applies YEN LOANS’ own lending rules: loans of ¥15M to ¥525M, up to 65% of an independent valuation, terms of up to 35 years and the All Japan Tracker rate. The figures reflect a loan you could apply for.
What happens after I’ve worked out my figures?
Nothing is sent to us unless you submit the adviser form above. If you get in touch, a short intake form follows and you receive a preliminary indication within 24 to 48 hours. How the process works