Breakdown of Flat 35 loan borrowers in Japan FY 2022, by debt-to-income ratio
In the fiscal year 2022, around 27.5 percent of Flat 35 home loan borrowers in Japan had a debt-to-income ratio of 25 to under 30 percent. This was followed by 22.4 percent of borrowers who had a debt-to-income ratio of 20 to under 25 percent.
Flat 35 loans are long-term fixed interest rate housing loans for up to 35 years that are offered by private financial institutions and securitized or insured by the Japan Housing Finance Agency.