Breakdown of Flat 35 loan borrowers in Japan FY 2022, by household income
In the fiscal year 2022, over 39 percent of borrowers using the Flat 35 loan had a household income of four to under six million Japanese yen. On average, Flat 35 home loan borrowers had a household income of 6.34 million yen.
Flat 35 loans are long-term fixed interest rate housing loans for up to 35 years that are offered by private financial institutions and securitized or insured by the Japan Housing Finance Agency.