Japan Mortgage Planning Calculator

Estimate a fixed-rate home loan using the price, down payment, repayment period, user-entered rate, and actual monthly costs. This is not a lender quote or eligibility decision.

Home price

Down payment

Repayment period (Years)

User-entered annual nominal interest rate (%)

Actual annual property or council tax

Actual annual home insurance

Actual monthly guarantee or loan-related charge (JPY) Enter a monthly charge from your loan terms only when applicable; otherwise enter 0.

Actual monthly association or building fee

Estimate

Estimated total monthly amount

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Monthly principal and interest — Monthly property tax — Monthly home insurance — Monthly guarantee or loan-related charge entered — Monthly association or building fee — Total interest over the selected term —

The calculator does not assume US-style PMI or determine Japanese guarantee, insurance or administrative fees.

Source: Japan Housing Finance Agency: repayment methods.

GUIDE

Mortgage planning guide

What the estimate includes

Monthly principal and interest use an equal principal-and-interest fixed-rate formula. Annual property tax and home insurance are divided by 12; user-entered monthly building and loan-related charges are then added.

Repayment-method context

The Japan Housing Finance Agency describes both equal principal-and-interest and equal-principal repayment. This bounded page models equal principal and interest only; it does not infer product eligibility or fees.

Planning boundary

The estimate excludes rate resets, bonuses, prepayment, lender fees, guarantee structures, insurance eligibility and tax benefits. Enter the nominal rate and costs from the product you are comparing.

Extra payment and refinance comparison

Compare a remaining loan, recurring extra payments, and a hypothetical refinance using rates and costs you enter.

JPY

Current balance Current annual rate (%) Remaining term (months) Extra payment each month Refinance annual rate (%) Refinance term (months) All refinance costs and penalties Planned time before sale/refinance (months) Plan start month

Scenario comparison

Scenario	Scheduled monthly payment	Payoff	Total interest	Upfront cost/cash	Difference vs baseline interest

Refinance cash-flow break-even—

Cash-flow change during planned hold—

Extra-payment time saved—

Monthly schedule

Scenario shown

The on-screen table shows the first 24 months and final month. CSV export includes every simulated month.

Month	Payment	Principal	Interest	Balance

Assumptions, worked example, and source

Rates are user-entered; no current lender rate or product recommendation is supplied. Most countries use annual rate ÷ 12. Canada uses nominal semi-annual compounding converted to a monthly rate.
Extra payment is applied after scheduled interest with no prepayment charge. Enter any early-repayment charge in refinance costs and confirm overpayment limits with the lender.
Refinance break-even accumulates monthly payment differences until they recover upfront costs. It is a cash-flow measure, not an equity, tax, opportunity-cost, or approval analysis.
The default worked example compares one remaining balance over its remaining term. Replace every assumption with the current statement and a formal refinance quote.

Consumer authority mortgage reference for this country · Method reviewed 2026-07-30.