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#Variable Rate Articles
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2026-06-02
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.
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2026-06-02
Comparing 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.
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2026-06-02
If 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?
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