Free Tool
Mortgage Calculator (住宅ローン)
Calculate your monthly mortgage payment and total costs. No signup required.
Loan details
¥40,000,000
¥1,000 man¥1.0 oku
10% (¥4,000,000)
0%50%
0.50%
0.20%3.00%
Property tax (固定資産税) is estimated at 1.4% of assessed value (~70% of purchase price). Upfront costs (registration tax, agent fee, stamp duty) are estimated at 7% of property price. Mortgage tax deduction (住宅ローン控除): 0.7% of outstanding balance for up to 13 years, capped at ¥210,000/year.
This calculator is for educational purposes only. Actual costs vary by lender, property type, and your financial situation. Consult a licensed FP or 不動産会社 for personalized advice.
Monthly payment
¥93,451
/month
Breakdown
Loan amount¥36,000,000
Total repayment¥39,249,309
Total interest¥3,249,309
Tax deduction savings (住宅ローン控除)-¥2,597,094
Principal vs Interest over time
Y1
Y4
Y7
Y10
Y13
Y16
Y19
Y22
Y25
Y28
PrincipalInterest
First year total cost
Down payment¥4,000,000
Upfront costs (~7%)¥2,800,000
Monthly payments x 12¥1,121,409
Property tax (固定資産税)¥392,000/yr
First year total¥7,921,409
Rate type comparison
| Variable 0.50% | Fixed 10yr 1.20% | Flat 35 1.80% | |
|---|---|---|---|
| Monthly | ¥93,451 | ¥105,013 | ¥115,593 |
| Total interest | ¥3,249,309 | ¥8,105,386 | ¥12,549,016 |
| Total repayment | ¥39,249,309 | ¥44,105,386 | ¥48,549,016 |
| Tax savings | -¥2,597,094 | -¥2,631,499 | -¥2,656,241 |
Important: This tool provides estimates based on general rules and publicly available tax rates.
Results are for educational purposes only and may not reflect your actual tax obligation.
This is not tax advice (税務相談) under 税理士法. Consult a licensed 税理士 for professional guidance on your specific situation.