日本抵押貸款市場調研和分析報告（英文版）-2024年1月上傳培訓課件

INDUSTRIES

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MARKETSMortgagesinJapanCHAPTER

01OverviewRateofowneddwellingsinJapanfrom1973to2018HomeownershiprateinJapan1973-201863.0%62.4%62.5%62.0%61.5%61.0%60.5%60.0%59.5%59.0%58.5%61.7%61.3%61.2%61.2%61.1%60.4%60.3%59.8%199359.2%1973197819831988199820032008201320184Description:In2018,thehomeownershiprateinJapanstoodataround61.2percent,remainingmostlyflatinthepast15years.Thatyear,thetotalnumberofhousesownedinthecountryamountedtoapproximately32.8million.

ReadmoreNote(s):Japan;1973to2018Source(s):MinistryofInternalAffairsandCommunications(Japan);StatisticsBureauofJapanRateofowneddwellingsamonghouseholdsinJapanfrom2015to2022,byageofhouseholdheadShareofhouseholdsowninghomesinJapan2015-2022,byageofhouseholdhead29yearsandyounger90.7%30to39years90.7%40to49years89%50to59years60to69years90%70yearsandolder87.8%100%90%80%70%60%50%40%30%20%10%0%88.9%88.9%89.4%88%87.5%79%87.9%79.7%86.8%78.1%87.1%86.1%78.3%69.9%85.9%77.9%72.4%77.2%68.1%76.4%68.5%74.3%71.3%47.9%70.6%70.4%49.6%68.4%45.1%51.5%49.9%47%47.5%46.4%8.6%20218%8.3%20167.9%20207.4%20176.9%20196.6%20225.9%201820155Description:In2022,theshareofhouseholdsowningdwellingsinJapanwasthehighestforhouseholdswithahouseholdheadaged70andolder,at89.4percent.Thehomeownershiprateincreasedproportionallywiththeageofthehouseholdhead.Anoverallshareof75percentofhouseholdsowneddwellingsthatyear.ReadmoreNote(s):Japan;2015to2022;7,999respondents;totalhouseholdsincludingworkingandother/worklesshouseholdsSource(s):e-Stat(Japan);MinistryofInternalAffairsandCommunications(Japan)OutstandingamountofhousingloansinJapanfrom1stquarter2018to2ndquarter2023,bytypeoflendinginstitution(intrillionJapaneseyen)OutstandinghousingloansinJapanQ12018-Q22023,bylendinginstitutionPrivatefinancialinstitutionsPublicfinancialinstitutions250200150100500Q1'18

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Q2'23*6/statistics/1241414/japan-quarterly-outstanding-housing-loans-by-lending-institutionInthefirstquarterof2023,outstandinghousingloansgrantedtohouseholdsinJapanamountedto227trillionJapaneseyen.Witharound22.3trillionyeninoutstandinghomeloans,publiclendersaccountedforroughlyninepercentofthetotalamount.ReadmoreNote(s):Japan;Q12018toQ22023;loansgrantedtohouseholds;includingsoleproprietorships;*Preliminaryfigures.

100Japaneseyenequal0.69U.S.dollarsor0.63eurosasofSeptember2023.

Valueshavebeenrounded.

ReadmoreSource(s):BankofJapanShort-termprimelendingratesinJapanfrom2013to2022Short-termprimelendingratesinJapan2013-2022120.0%100.0%80.0%60.0%40.0%20.0%1.48%20131.48%20141.48%20151.48%20161.48%20171.48%20181.48%20191.48%20201.48%20211.48%20220.0%7Description:In2022,theshort-termprimelendingrateinJapanwasabout1.48percentperannum,stayingconstantsince2009.Theprimelendingrateisthemostfrequentinterestratechargedbythemajorityofcitybanksonshort-termloanstothemostcreditworthyclients.ReadmoreNote(s):Japan;2013to2022;valueshavebeenroundedSource(s):BankofJapanYieldsofnewlyissuedJapaneseGovernmentBonds(JGB)inJapanfrom2013to2022,bymaturityYieldsofnewJGBsinJapan2013-2022,bymaturity5years10years20years1.8%1.58%1.6%1.4%1.2%1.0%0.8%0.6%0.4%0.2%0.0%-0.2%-0.4%1.3%1.05%1%0.74%0.24%0.57%0.57%0.49%0.48%0.4%0.41%0.23%0.32%0.03%0.27%0.03%0.28%0.07%-0.08%0.04%0.05%0.02%-0.11%-0.01%-0.16%-0.03%-0.12%-0.11%-0.13%20132014201520162017201820192020202120228Description:Asoftheendof2022,theyieldonnewlyissued10-yearJapaneseGovernmentBonds(JGBs)was0.41percentperannum,upfrom0.07percentinthepreviousyear.Theyieldon20-yearJGBsreached1.3percent.

ReadmoreNote(s):Japan;2013to2022;asoftheendofeachyear;valueshavebeenrounded;simpleyieldSource(s):BankofJapan;JapanBondTradingConsumerPriceIndex(CPI)ofhousinginJapanfrom2013to2022CPIofhousinginJapan2013-2022120101.3100100.699.599.699.699.599.399.299.410080604020020132014201520162017201820192020202120229Description:In2022,theConsumerPriceIndex(CPI)ofhousinginJapanstoodat101.3indexpoints,reachingadecadehigh.Thisindicatedapricelevelincreaseof1.3pointscomparedtothebaseyear2020.

ReadmoreNote(s):Japan;2013to2022;thesourceuses2020asbaseyearwithanindexof100pointsSource(s):e-Stat(Japan);MinistryofInternalAffairsandCommunications(Japan)CHAPTER

02PricedevelopmentNationalaverageannualgrowthrateoftheofficialresidentiallandpriceinJapanfrom2014to2023NationalannualchangeinresidentiallandpricesinJapan2014-20231.5%1.0%1.4%0.8%0.6%0.5%0.5%0.3%0%0.0%-0.5%-1.0%-0.2%2016-0.4%2015-0.4%2021-0.6%201420172018201920202022202311Description:In2023,theofficialresidentiallandpriceinJapanincreasedby1.4percentcomparedtothepreviousyear.Brokendownbyprefecture,thehighestgrowthratewasrecordedinHokkaido.

ReadmoreNote(s):Japan;2014to2023;asofJanuary1eachyearSource(s):MLIT(Japan)GrowthrateoftheofficialresidentiallandpriceinJapanfrom2014to2023,byregionChangeinresidentiallandpriceinJapan2014-2023,byregionGreaterTokyoAreaGreaterOsakaAreaGreaterNagoyaAreaFourregionalcities*Regionalarea**10%8%6%4%2%0%-2%-4%201420152016201720182019202020212022202312Description:In2023,theofficialresidentiallandpriceintheGreaterTokyoAreainJapanroseby2.1percent.Thegrowthratewasthehighestinthefourregionalcitiesandremainedlowinregionalareas.

ReadmoreNote(s):Japan;2014to2023;asofJanuary1eachyear;*Sapporo,Sendai,Hiroshima,andFukuokaCity.**Regionalareareferstotheareaexcludingthethreemajormetropolitanareasandthefourregionalcities.Figurespriorto2019arefrom[...]

ReadmoreSource(s):MLIT(Japan)MonthlyresidentialpropertypriceindexinJapanfromJanuary2019toJune2023MonthlyresidentialpropertypriceindexinJapan2019-2023140135130125120115110105Jan

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'23*13Description:InJune2023,theresidentialpropertypriceindexinJapanstoodat136.1.Afterdecliningto111.5pointsinJuly2020followingtheoutbreakofthecoronavirus(COVID-19)pandemic,theindexrecoveredandreachedapeakinJune2023.Theresidentialpropertypriceindexcomprisesresidentialland,detachedhouses,andcondominiums.ReadmoreNote(s):Japan;January2019toJune2023;2010asbaseyearwithanindexof100;seasonallyadjustedfigures;*Preliminaryfigures.Residentialpropertyincludesresidentialland,detachedhouses,andcondominiums.Theindexiscalculatedonthe[...]

ReadmoreSource(s):MLIT(Japan)RealhousepriceindexinJapanfrom1stquarter2014to2ndquarter2023QuarterlyrealhousepriceindexinJapan2014-2023125119.9119.7119.411912011511010510095118.6117.1115.4114.2111.5109.7109.4106.5107.1507.4106.9

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'2314Description:Inthesecondquarterof2023,therealhousepriceindexinJapanstoodat119.4,representinganincreaseof0.4indexpointscomparedtothepreviousquarter.Therealhousepriceindexrepresentsthedevelopmentofdeflatednominalhousepricesusingtheprivateconsumptiondeflator.ReadmoreNote(s):Japan;Q12014toQ22023;thesourceuses2015asbaseyearwithanindexof100;seasonallyadjustedfiguresSource(s):OECDHousepricetoincomeratioinJapanfrom1stquarter2014to2ndquarter2023QuarterlyhousepricetoincomeratioinJapanQ12014-Q22023120115110114.1714.6114.4114.2113.2110.1109.4109.2106.6104.8103.9105103.2

103.1103.3103.2102.6101.1801.9103.1102.7102.3100.6101.8101.1401.5100.8100.1100.199.899.599.597.899.199.299.2100

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'2315Description:Inthesecondquarterof2023,thehousepricetoincomeratioinJapanstoodat114.4,representingadecreaseof0.2indexpointscomparedtothepreviousquarter.Theratioiscalculatedbydividingnominalhousepricesbythenominaldisposableincomeperhead.ReadmoreNote(s):Japan;Q12014toQ22023;thesourceuses2015asbaseyearwithanindexof100;seasonallyadjustedfiguresSource(s):OECD;Varioussources(MLIT,JapanRealEstateInstitute)CHAPTER

03InterestratesMedianinterestrateonvariableratehousingloansinJapanfrom2014to2023MedianinterestrateonvariableratehousingloansinJapan2014-2023122.0%102.0%82.0%62.0%42.0%22.0%2.48%20142.48%20152.48%20162.48%20172.48%20182.48%20192.48%20202.48%20212.48%20222.48%2023*2.0%17Description:AsofNovember2023,themedianinterestrateonhousingloansissuedbycitybanksinJapanstoodatabout2.48percentperannum,remainingatthesamelevelasinpreviousyears.CitybanksarethelargestbanksinJapan.

ReadmoreNote(s):Japan;2014to2023;asofDecember1eachyear*;valueshavebeenrounded;*Figuresfor2023areasofNovember1.

Medianvalueoffloatinginterestratesforhousingloansprovidedbycitybanks.

ReadmoreSource(s):HousingFinancePromotionAssociationMedianinterestrateonthree-yearfixedratehousingloansinJapanfrom2014to2023Medianinterestrateonthree-yearfixedratehousingloansinJapan2014-20233.5%3.4%3.3%3.2%3.36%3.14%3.05%20133.05%20143.05%20153.1%3.0%2.9%3%3%2.95%20162.95%20182.94%20192.9%20172020202120222023*18Description:AsofNovember2023,themedianinterestrateofthree-yearfixedratehousingloansprovidedbycitybanksinJapanstoodat3.36percent.Afterreachingarecordlowin2017,theinterestratehasgraduallyincreased,reachingadecadehighinNovember2023.ReadmoreNote(s):Japan;2014to2023;asofDecember1eachyear*;medianinterestrateofcitybanks;*Figuresfor2023areasofNovember1.

FiguresshowthemedianinterestrateofMizuhoBank,MUFGBank,SumitomoMitsuiBankingCorporation,[...]

ReadmoreSource(s):HousingFinancePromotionAssociationMedianinterestrateonfive-yearfixedratehousingloansinJapanfrom2014to2023Medianinterestrateonfive-yearfixedratehousingloansinJapan2014-20233.7%3.6%3.5%3.4%3.3%3.61%3.27%3.2%3.1%3.0%2.9%3.15%20153.1%20143.05%20163.05%20193.05%20203.05%20213%3%2017201820222023*19Description:AsofNovember2023,themedianinterestrateoffive-yearfixedratehousingloansprovidedbycitybanksinJapanstoodat3.61percent.CitybanksarethelargestbanksinJapan.

ReadmoreNote(s):Japan;2014to2023;asofDecember1eachyear*;medianinterestrateofcitybanks;*Figuresfor2023areasofNovember1.

FiguresshowthemedianinterestrateofMizuhoBank,MUFGBank,SumitomoMitsuiBankingCorporation,[...]

ReadmoreSource(s):HousingFinancePromotionAssociationMedianinterestrateonten-yearfixedratehousingloansinJapanfrom2014to2023Medianinterestrateonten-yearfixedratehousingloansinJapan2014-20234.2%4.0%3.8%3.6%3.94%3.53%3.45%3.35%20183.3%20153.3%20213.4%3.2%3.0%3.25%20173.25%20193.25%20203.05%201620142022202320Description:AsofNovember2023,themedianinterestrateoften-yearfixedratehousingloansprovidedbycitybanksinJapanstoodat3.94percent.Thisrepresentedadecadehigh.

ReadmoreNote(s):Japan;2014to2023;asofDecember1eachyear*;medianinterestrateofcitybanks;*Figuresfor2023areasofNovember1.

FiguresshowthemedianinterestrateofMizuhoBank,MUFGBank,SumitomoMitsuiBankingCorporation,[...]

ReadmoreSource(s):HousingFinancePromotionAssociationMaximumandminimuminterestratesofFlat35housingloanswithatermofupto20yearsinJapanfromDecember2017toNovember2023Interestratesonupto20-yearFlat35housingloansinJapan2017-2023MinimumMaximum3.5%3.0%2.5%2.0%1.5%1.0%0.5%3.05%1.48%2.84%1.49%2.66%1.33%2.41%1.36%2.09%1.21%2.02%1.98%1.32%1.97%1.22%1.95%1.31%1.96%1.22%1.92%1.27%1.9%1.82%1.16%1.21%1.22%Dec2017

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Nov202321Description:AsofNovember2023,themaximuminterestrateforfixed-rateFlat35housingloansofupto20yearswithaloan-to-valueratioof90percentorlessinJapanstoodat3.05percent.Flat35loansarelong-termfixedinterestratehousingloansforupto35yearsthatareofferedbyprivatefinancialinstitutionsandsecuritizedorinsuredbytheJapanHousingFinanceAgency.ReadmoreNote(s):Japan;December2017toNovember2023;loanswithaloan-to-valueratioof90percentorless;amongborrowerswhohavetakenoutgrouplifeinsuranceprovidedbytheJapanHousingFinanceAgencySource(s):Flat35MaximumandminimuminterestratesofFlat35housingloanswithatermof21to35yearsinJapanfromDecember2017toJune2023Interestrateson21to35-yearFlat35housingloansinJapan2017-2023MinimumMaximum4.0%3.5%3.0%2.5%2.0%1.5%1.0%0.5%3.53%1.96%3.09%1.76%3%2.54%1.49%2.21%1.33%2.15%2.07%1.41%2.06%1.31%2.03%1.29%2.01%1.37%1.99%1.34%1.96%1.27%1.87%1.21%1.65%1.35%Dec2017

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Nov202322/statistics/1280942/japan-interest-rates-21-to-35-year-flat-35-home-loansAsofNovember2023,themaximuminterestratefor21to35-yearfixed-rateFlat35housingloanswithaloan-to-valueratioof90percentorlessinJapanstoodat3.53percent.Thisrepresentedanincreasecomparedto3.09percentsevenmonthsearlier.ReadmoreNote(s):Japan;December2017toNovember2023;loanswithaloan-to-valueratioof90percentorless;amongborrowerswhohavetakenoutgrouplifeinsuranceprovidedbytheJapanHousingFinanceAgencySource(s):Flat35CHAPTER

04OutstandinghomeloansOutstandingamountofhousingloansinJapanfrom2014to2023,bytypeoflendinginstitution(intrillionJapaneseyen)OutstandinghousingloansinJapan2014-2023,bylendinginstitutionPrivatefinancialinstitutionsPublicfinancialinstitutions2502001501005022.4322.822.97190.8202122.7922.5622.4522.623.34164.35201623.84161.44201525.1158.512014203.86197.48184.82179.04173.55168.74020172018201920202022202324Description:AsofMarch2023,outstandinghousingloansgrantedtohouseholdsbyprivatefinancialinstitutionsinJapanamountedtoaround203.9trillionJapaneseyen.Outstandinghousingloansissuedbypublicfinancialinstitutionsamountedtoapproximately22.4trillionyen.ReadmoreNote(s):Japan;2014to2023;loansgrantedtohouseholds;includingsoleproprietorships;asofMarcheachyearSource(s):BankofJapanValueofoutstandinghousingloansinJapanfromfiscalyear2013to2022,byinstitution(intrillionJapaneseyen)OutstandinghomeloansinJapaninFY2013-2022,byinstitutionOthersDomesticallylicensedbanksShinkinbanksLabourBanksJapanHousingFinanceAgency(Flat35PurchaseProgram)2502001501005018.813.617.618.513.317.41812.917.217.112.517.115.911.916.914.811.216.913.710.716.611.612.81110.415.510.415.710.516.2142138133113115123126129117121312927252525242424240201320142015201620172018201920202021202225Description:Inthefiscalyear2022,outstandinghomeloansofdomesticallylicensedbanksinJapanamountedto142trillionJapaneseyen.OutstandingmortgagesoftheJapanHousingFinanceAgency'sFlat35PurchaseProgramreached18.8trillionyen.

ReadmoreNote(s):Japan;fiscalyear2013to2022;thefiscalyearinJapanstartsonApril1andendsonMarch31ofthefollowingyear;asoftheendofthefiscalyearSource(s):BankofJapan;JHF;VarioussourcesOutstandinghousingloansissuedbyprivatefinancialinstitutionsinJapaninfiscalyear2021,byinstitution(intrillionJapaneseyen)OutstandinghomeloansofprivatefinancialinstitutionsinJapanFY2021,bylenderOutstandinghousingloansintrillionJapaneseyen010203040506070Citybanks/trustbanksRegionalbanks65.9561.58Shinkinbanks16.27RegionalbanksII**LaborcreditassociationsAgriculturalcooperativesMortgagebanks,etc.Creditcooperatives13.4713.1910.378.781.82Lifeinsurancecompanies

0.14Non-lifeinsurancecompanies

0.0126Description:Inthefiscalyear2021,thevalueofoutstandinghousingloansgrantedtoindividualsbycityandtrustbanksinJapanamountedtoalmost66trillionJapaneseyen.Regionalbanksreportedanoutstandinghomeloanamountof61.6trillionyen.ReadmoreNote(s):Japan;fiscalyear2021;theJapanesefiscalyearstartsonApril1ofthestatedyearandendsonMarch31ofthefollowingyear;asoftheendofthefiscalyear;1,008privatefinancialinstitutions*;completedsurveyformswerecollectedby[...]

ReadmoreSource(s):e-Stat(Japan);MLIT(Japan)OutstandinghousingloandebtofworkinghouseholdsinJapanfrom2012to2021(inmillionJapaneseyen)OutstandinghomeloandebtofworkinghouseholdsinJapan2012-20212018.6418.1117.8217.3617.3317.371816141210817.1516.8416.2715.896420201220132014201520162017201820192020202127Description:In2021,theaverageamountofhomeloandebtofworkinghouseholdsinJapanthathavetakenoutloansforthepurchaseofhomesandlandamountedtoaround18.64millionJapaneseyen.Thisrepresentedadecade-high.

ReadmoreNote(s):Japan;2012to2021;amongworkinghouseholdsthathavetakenoutloansforthepurchaseofhomesandlandSource(s):MinistryofInternalAffairsandCommunications(Japan);MLIT(Japan)MonthlyhousingloanrepaymentsofworkinghouseholdsinJapanfrom2012to2021(in1,000Japaneseyen)MonthlyhomeloanrepaymentsofworkinghouseholdsinJapan2012-202112099.8798.797.8510080604020094.392.9592.5591.8592.1190.7291.07201220132014201520162017201820192020202128Description:In2021,theaveragemonthlyhomeloanrepaymentsofworkinghouseholdswithhousingloandebtinJapanamountedtoaround91.1thousandJapaneseyen.Thisrepresentedadecreasefromalmost94.3thousandyenofmonthlymortgagerepaymentsperhouseholdin2012.ReadmoreNote(s):Japan;2012to2021;amongworkinghouseholdswithhomeloandebtSource(s):MinistryofInternalAffairsandCommunications(Japan);MLIT(Japan)MonthlyhousingloanrepaymentsasashareofthedisposableincomeofworkinghouseholdsinJapanfrom2012to2021Ratioofworkinghouseholds'mortgagerepaymentstodisposableincomeJapan2012-202121.5%20.6%20.5%19.5%18.5%17.5%16.5%15.5%20.2%20%19.4%19%18.2%17.8%17%16.4%202116.3%20202012201320142015201620172018201929Description:In2021,theaveragemonthlyhomeloanrepaymentsofworkinghouseholdswithhousingloandebtinJapanaccountedforabout16.4percentofthedisposableincome.Theshareofmortgagerepaymentstodisposableincomepermonthhasgraduallydecreasedoverthepastdecade.ReadmoreNote(s):Japan;2012to2021;amongworkinghouseholdswithhomeloandebtSource(s):MinistryofInternalAffairsandCommunications(Japan);MLIT(Japan)CHAPTER

05HomeloanoriginationValueofnewhousingloansoriginatedinJapanfromfiscalyear2013to2022,byinstitution(intrillionJapaneseyen)NewhomeloansissuedinJapaninFY2013-2022,byinstitutionOthersDomesticallylicensedbanksShinkinbanksLabourBanksJapanHousingFinanceAgency(Flat35PurchaseProgram)302520151053.21.91.61.61.722.52.32.21.71.51.51.51.61.91.61.82.32.31.321.71.31.81.81.721.621.516.915.815.414.814.714.51414.313.813.80.620130.520140.520150.620160.720170.820180.820190.820200.720210.72022031Description:Inthefiscalyear2022,newhomeloansgrantedbydomesticallylicensedbanksinJapanamountedto15.4trillionJapaneseyen.NewmortgagesoftheJapanHousingFinanceAgency'sFlat35PurchaseProgramamountedto1.5trillionyen.

ReadmoreNote(s):Japan;fiscalyear2013to2022;thefiscalyearinJapanstartsonApril1andendsonMarch31ofthefollowingyear;includingrefinancingloansSource(s):BankofJapan;JHF;VarioussourcesNewhousingloansissuedbyprivatefinancialinstitutionsinJapaninfiscalyear2021,byinstitution(inbillionJapaneseyen)NewhomeloansissuedbyprivatefinancialinstitutionsinJapanFY2021,bylenderNewhousingloansinbillionJapaneseyen01,0002,0003,0004,0005,0006,0007,0008,000Citybanks/trustbanksRegionalbanks7,326.86,178RegionalbanksII*1,530.4Shinkinbanks1,476.11,475.6AgriculturalcooperativesLaborcreditassociationsMortgagebanks,etc.Creditcooperatives1,330.71,294174.1Lifeinsurancecompanies

9.132Description:Inthefiscalyear2021,thevalueofnewhousingloansgrantedtoindividualsbycityandtrustbanksinJapanamountedtomorethan7.3trillionJapaneseyen.Regionalbanksfollowedwithnewhomeloansamountingtoaround6.2trillionyen.ReadmoreNote(s):Japan;fiscalyear2021;theJapanesefiscalyearstartsonApril1ofthestatedyearandendsonMarch31ofthefollowingyear;1,025privatefinancialinstitutions*;completedsurveyformswerecollectedbymail,e-mail,fax,etc.;*Survey[...]

ReadmoreSource(s):e-Stat(Japan);MLIT(Japan)DistributionofnewhousingloansissuedbyprivatefinancialinstitutionsinJapanfromfiscalyear2018to2021,bypurposeShareofnewhomeloansissuedinJapanFY2018-2021,bypurposeNewhomesPre-ownedhomesRefinancing120%100%80%60%40%20%0%5.8%5.8%7.5%9.5%19.9%20.8%19.6%19.2%74.4%202073.4%202172.9%201971.4%201833Description:AccordingtoasurveyamongprivatefinancialinstitutionsinJapan,73.4percentofnewhousingloansgrantedtoindividualsinfiscalyear2021weredirectedatfinancingnewhomes.Around5.8percentofnewloanswereissuedforthepurposeofrefinancinghousingloans.ReadmoreNote(s):Japan;fiscalyears2018to2021;theJapanesefiscalyearstartsonApril1ofthestatedyearandendsonMarch31ofthefollowingyear;562privatefinancialinstitutions*;completedsurveyformswerecollectedbymail,e-mail,fax,etc.;[...]

ReadmoreSource(s):e-Stat(Japan);MLIT(Japan)DistributionofnewhousingloansissuedbyprivatefinancialinstitutionsinJapanfromfiscalyear2017to2021,bytypeofinterestrateBreakdownofnewhomeloansinJapanFY2017-2021,byinterestratetypeVariablerateFixedrateforselectedperiodFixedratefortheentireperiodSecuritizedloans**120%100%80%60%40%20%0%6.8%9.9%5.3%10.3%3%11.9%6.2%12.4%4.6%3.4%13.5%16.6%24.3%19.9%31.2%76.2%202170%63.1%201960.5%201850.7%2017202034Description:Inthefiscalyear2021,76.2percentofhousingloansnewlyissuedbyprivatefinancialinstitutionsinJapanwerevariable-rateloans.Fixed-rateloansforasetperiodaccountedfor13.5percentoftheamountofnewhomeloansgranted.

ReadmoreNote(s):Japan;fiscalyears2017to2021;theJapanesefiscalyearstartsonApril1ofthestatedyearandendsonMarch31ofthefollowingyear;1,028privatefinancialinstitutions*;completedsurveyformswerecollectedbymail,e-mail,fax,etc.;[...]

ReadmoreSource(s):e-Stat(Japan);MLIT(Japan)DistributionofnewfixedratehousingloansissuedbyprivatefinancialinstitutionsinJapanfromfiscalyear2017to2021,byselectedperiodBreakdownofnewfixedratehomeloansinJapanFY2017-2021,byselectedtermTwoyearsThreeyearsFiveyearsTenyearsOthertimeperiodundertenyearsMorethantenyears120%100%80%60%40%20%0%5.4%1.1%6.4%6.8%8.7%11.4%1%1.8%0.7%0.8%47.3%50.5%54.9%62.6%64.8%3.3%3.3%3.2%29.3%4.6%28.1%4.7%12.6%5.6%26.6%15.9%11.6%202012.8%20217.5%20186.7%2019201735/statistics/1298804/japan-distribution-of-new-fixed-rate-home-loans-by-set-periodInthefiscalyear2021,47.3percentofnewfixedratehousingloansissuedbyprivatefinancialinstitutionsinJapanhadafixedrateperiodof10years.Fixed-rateloansforasettermofthreeyearsaccountedfor29.3percentofnewhomeloansgranted.ReadmoreNote(s):Japan;fiscalyears2017to2021;theJapanesefiscalyearstartsonApril1ofthestatedyearandendsonMarch31ofthefollowingyear;903privatefinancialinstitutions*;completedsurveyformswerecollectedbymail,e-mail,fax,etc.;[...]

ReadmoreSource(s):e-Stat(Japan);MLIT(Japan)CHAPTER

06JapanHousingFinanceAgencyNetincomeoftheJapanHousingFinanceAgency(JHF)fromfiscalyear2013to2022(inbillionJapaneseyen)JapanHousi