#Household Finance Articles
Articles related to #Household Finance. Browse market analysis and investment strategy notes by tag.
Flat 35 Tops 3% for the First Time: A 50 Million Yen Loan Can Change Total Repayments by About 28.8 Million Yen
On June 1, 2026, the rate on Japan’s long-term fixed-rate mortgage product Flat 35 rose sharply.
Read articleIs a Mortgage an Asset or a Liability? Thinking About Leverage That Can Improve Household Wealth
The previous articles covered Flat 35 rate increases, fixed versus variable rates, repayment ratios, maximum borrowing amounts, and prepayment versus...
Read articleHow to Calculate a Mortgage Amount That Is Harder to Break Your Household Budget
The previous article argued that mortgage repayments should ideally stay within 20% to 25% of monthly take-home income.
Read articleHow to Avoid Buying “Negative Property”: Homes That Can Still Be Sold or Rented in Ten Years
A mortgage is a rare tool that lets individuals borrow large amounts over long periods.
Read articleUsing the New NISA While Carrying a Mortgage: Portfolio Models by Risk Tolerance
Investing through the new NISA while carrying a mortgage means growing financial assets while also carrying debt.
Read articleIs Mortgage Prepayment Really Worth It? Should You Keep Cash or Repay Early?
After taking out a mortgage, many households begin thinking about prepayment.
Read articleMortgage Repayment Ratios by Income: What Is the Real Safe Zone?
The first mortgage decision should not be fixed rate versus variable rate.
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