Home affordability
See what price your income can carry. The loan is sized at a stress rate, not the promotional rate.
Figures follow Japanese law and Tokyo's rules, with every source cited and dated.
Results
Highest price your income supports
¥47,676,998
Loan at the stress rate, plus your down payment.
Japan · JPY
- Maximum payment per month
- ¥145,000
- Maximum loan at 3%
- ¥37,676,998
- Highest price when the loan is at most 90% of the price
- ¥47,676,998
Your income sets the limit here.
Sized at the stress rate of 3% over 35 years. Lenders also look at your credit history and the home itself, so their figure can differ.
Note
Every figure on this page is an estimate based on the values you entered and on defaults from Japanese national law, Tokyo's rules and common market practice, each as of the date shown next to it. This is not financial, legal or tax advice. The real amounts come from the tax notices, the judicial scrivener's (司法書士) bill and your lender's offer when you buy; check them before you sign. The site does not store the numbers you enter; they stay in the page address.
Assumptions you can change
Maximum loan-to-value (LTV)
90%
Source: market convention
The largest share of the price a lender will lend. With a small down payment, this cap can limit the price before your income does.
The link carries only the numbers you entered. The site keeps no copy of them.