How Much Can I Borrow in Japan?
Enter your annual income (before tax), your savings and the interest rate you expect to see the maximum price of the home you can buy, the loan amount and whether your income or your savings set the limit.
General values (Japan). They don't account for regional rules or other costs that may apply. Check them with your lender or advisor.
More options
Enter your income, savings, interest rate and term.
A rough estimate with a fixed payment. Lenders will also look at your other debts and job stability.
Work out the mortgage for this home →Results are estimates. Solvemis accepts no responsibility for the results obtained or for how they are used. Always double-check the result and talk to a qualified professional before making decisions.
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How it works
How to use it
- Enter your annual income (before tax) and the savings you can put in.
- Enter the interest rate you expect and the term.
- Check the percentages filled in as guide values for Japan and change them if needed.
- See the maximum purchase price, the breakdown and which condition sets it.
How it is calculated
Two prices are calculated and the lower one is used. From income: the loan whose payment is the chosen share of annual income, plus savings, minus buying costs. From savings: the price at which your savings exactly cover the part that is not financed and the buying costs. The percentages are general guide values for Japan. A second applicant's income is added to yours; other debt payments count the way the country's rule counts them.
Sources
- 住宅ローンの返済比率（返済負担率）とは？ — MUFG Bank
- 住宅購入にかかる諸費用 — LIFULL HOME'S
- 返済負担率とは — 三井住友トラスト不動産
About this calculator
How it works
Buying a home has two limits. One is the payment: annual repayments within 20–25% of annual income are considered comfortable. The other is savings, which have to cover the part that is not financed and the buying costs. This tool works out the price each condition allows and shows the lower one.
What lenders in Japan look at
Besides the payment-to-income ratio, lenders look at years of service, type of employment, other borrowing and your age when the loan is paid off. The upper limit of the ratio in screening is around 30–35%, but it is safer to plan for an amount you can repay comfortably below that.
Buying costs in Japan
Agency fees, registration costs, loan fees and guarantee fees, fire insurance and so on come to around 6–10% of the property price for pre-owned homes and 3–7% for new homes. The 8% filled in is a general value, so check it with a lender or a professional.
Frequently asked questions
What decides the price I can afford?
Two things: the maximum payment set by your income (the payment-to-income ratio) and the savings that cover the down payment and the buying costs. This tool calculates both and shows the lower one.
Can the buying costs be included in the loan?
There are loans for buying costs, but they can carry a higher rate, so here the costs are assumed to be paid from your savings.
Take-home pay or income before tax?
In Japan the payment-to-income ratio is usually calculated on annual income before tax. If a couple is borrowing, combining incomes is also an option.
What if we buy as a couple, or I already pay other loans?
Under «More options» you can add the second applicant's income, which is added to yours, and what you already pay each month for other loans, cards or leasing. In Japan, the share of income covers all your debts, so those payments come off what is left for the mortgage.
Updated October 14, 2026
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