#Mortgage Articles
Articles related to #Mortgage. Browse market analysis and investment strategy notes by tag.
Fixed-Term Land Lease Rights in Japan: Owning a Home Without Owning the Land
A fixed-term land lease right is the right to use land for a specified period instead of buying the land.
Read articleLooking at interest rate trends in 2026, is it better to have a fixed rate or variable rate mortgage?
When choosing a home loan in 2026, it is important not to judge the difference between fixed interest rates and variable interest rates solely by ``lo...
Read articleBefore You Buy a House, Ask This One Question: How Much Freedom Will Your Mortgage Leave You?
Most mortgage discussions focus on property values and interest rates, and often separate real estate investing from household finance.
Read articleFlat 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 articleComparing Fixed and Variable Rate Scenarios for a 50 Million Yen Mortgage
The previous article compared a 50 million yen, 35-year mortgage at a 3.21% fixed rate with a variable-rate case where 0.50% never changes.
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.
Read articleIf Variable Mortgage Rates Rise for Real: Three Defensive Actions
For households using variable rates, the biggest concern is practical: what should I do if rates rise?
Read articleLooking at interest rate trends in 2026, is it better to have a fixed rate or variable rate mortgage?
When choosing a home loan in 2026, it is important not to judge the difference between fixed interest rates and variable interest rates solely by ``lo...
Read articleProcedures for filing a final tax return to receive a mortgage deduction
In principle, even company employees are required to file a tax return in the year they receive the mortgage deduction for the first time.
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