Japan Mortgage Calculator (Flat 35, Variable & Hybrid)

This calculator models Japanese mortgages using Flat 35-style fixed-rate math, a simplified variable 5-year reset structure, and a hybrid fixed→variable mode. Choose the format, enter your details, and see payments, total interest, and amortization.

Japan format Property price (JPY) Down payment (JPY) Loan term (years)

Initial annual interest rate (%) Payment frequency Annual property tax Annual homeowners insurance

Monthly maintenance / management fee Extra monthly payment (principal) Variable/hybrid: rate after reset (%) Hybrid: fixed years before variable

Tip: Compare Flat 35 vs variable to see how rate changes affect total interest.

Japan formats: Flat 35 uses fixed-rate annuity math. Variable splits the term into two rate segments with re-amortization. Hybrid keeps the first segment fixed, then applies a higher variable rate on the remaining balance and term.

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Information on this site is for educational purposes only and is not financial, tax, or legal advice. Calculations are estimates and may not reflect actual lender results.