Flat 35

Japan Housing Finance Agency / partner lenders · fixed

Important underwriting notice

This records stated application conditions, not an approval estimate. The lender separately underwrites credit, property and repayment capacity.

Product facts

Rate category: Full-term fixed
Checked: 2026-07-30
Term: 15–35 years
Checked: 2026-07-30
Stated eligibility: Public application conditions apply; meeting them does not mean approval.
Checked: 2026-07-30
Disclosed income condition: Not disclosed or not confirmed in the reviewed official material—not the same as “none”.
Checked: 2026-07-30
Employment condition: Not disclosed or not confirmed in the reviewed official material—not the same as “none”.
Checked: 2026-07-30
Nationality / residence condition: Japanese nationality, permanent resident or special permanent resident is stated
Checked: 2026-07-30
Loan-to-value / financing ratio: Financing ratio up to 100%; rates differ above 90%.
Checked: 2026-07-30
Published rate: Not disclosed or not confirmed in the reviewed official material—not the same as “none”.
Checked: 2026-07-30
Fees: See the lender’s current fee sheet; plan and channel affect charges.
Checked: 2026-07-30
Guarantee structure: JHF purchases the mortgage from a partner lender; no guarantee fee.
Checked: 2026-07-30
Group credit life insurance: Group credit life insurance conditions and exclusions apply.
Checked: 2026-07-30
Prepayment: Method, minimum amount and any charge depend on the lender/channel.
Checked: 2026-07-30
Application facts: Apply with the lender; documents and property review are required.
Checked: 2026-07-30