Rate, fee, LTV, insurance, discount points, and processing across Flat 35 providers.
Flat 35 base rates cluster across providers (around 3.29% for 21–35 years in August 2026), so compare the origination fee, LTV band, insurance additions, discount points, and processing rather than the headline rate.
Because Flat 35 is a standardized JHF program, base pricing clusters across providers — the July official most-frequent rate was 3.14% at 90% LTV or lower for 21–35 years, and August provider rates had risen to about 3.29%, within a July range of roughly 3.14%–5.40% by LTV and term. What actually differs is the origination-fee model, guarantee and appraisal costs, insurance additions (the official July schedule showed pair life insurance at +0.18 point and three-major-disease insurance at +0.24 point), discount points, and processing speed. ARUHI is an experienced Flat 35 originator whose Super Flat variants may reward a large down payment with a lower rate.
Whichever provider you choose, Flat 35 requires the property to meet applicable technical standards and pass certification, so factor the inspection and certification steps into your timeline, and remember it will finance a qualifying used home but not an ordinary rental-investment property. Shorter Flat 20 and eligible longer Flat 50 structures exist, and discount frameworks — Flat 35S for housing performance and Flat 35 Child-Rearing Plus for qualifying households — reduce the rate for specified initial years rather than the full term, so model the payment both during and after the discounted period. Flat 35 best suits a borrower who wants full-term payment certainty, has a qualifying property, or lacks permanent residence and needs a rules-based route; compare providers on the fee model and processing rather than the base rate, and obtain a dated quotation before you apply.
Fixed-rate mortgage · Japan Housing Finance Agency
A long-term fixed-rate mortgage program backed by the Japan Housing Finance Agency, offered via partner lenders and often accessible without permanent residency.
Fees: Rate and fees vary by lender and loan-to-value — verify current terms.
Base pricing may cluster, but lender fees and products differ — compare the total.
A JHF-partnered, fully fixed-rate mortgage for eligible borrowers and homes, provided through participating financial institutions.