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Mortgage Simulator
Calculate mortgage payments, interest, and housing loan tax deductions with visual charts.
Loan Conditions
$
1,000K100M
$
0$20,000,000
Loan Amount$36,000,000
%
0.1%5.0%
years
Fixed monthly payment. Easy to budget.
Currently low rates, may change in the future.
Housing Loan Tax Deduction
Max Eligible Loan:$50,000,000
Deduction Rate:0.7%
Deduction Period:13 years
$
Used to calculate max deduction (limited by income tax + resident tax).
Monthly Payment
$93,451
Total Repayment
$39,249,309
Total Interest
$3,249,309
9.0%
Tax Deduction Total
$2,662,723
13 years
Net Total Cost
$36,586,586
Total - Tax Deduction
Debt-to-Income Ratio
22.4%
Moderate
Annual Repayment Breakdown
Loan Balance Over Time
About Housing Loan Simulator
This tool calculates monthly mortgage payments and the housing loan tax deduction (2024 onward rules). The tax deduction amount is limited by your income tax and resident tax.
The debt-to-income ratio should ideally be kept under 25% for comfortable living.
* This is an estimate. Actual amounts may vary based on individual tax situations, additional deductions, and bank-specific terms.
📖How to Use
- 1Enter the property price, down payment, interest rate, and loan term
- 2See monthly payments, total repayment, and total interest
- 3Compare variable and fixed interest rate scenarios
💡Tips & Knowledge
- •Japan's mortgage tax deduction (up to 13 years) can reduce your tax by up to ¥350,000/year
- •A 0.1% rate difference on a ¥30M 35-year mortgage changes total repayment by about ¥630,000
- •Early principal repayment significantly cuts total interest — especially effective in the early repayment years
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All calculations run in your browser. No data is sent to any server.