Calculate Japan housing loan monthly payments, Flat 35, bonus month installments, and 13-year tax deduction.
| Year | Start Balance | Interest | Principal | Tax Credit | End Balance |
|---|---|---|---|---|---|
| 1 years | ¥35,000,000 | -¥172,900 | +¥917,359 | -¥210,000 | ¥34,082,641 |
| 2 years | ¥34,082,641 | -¥168,302 | +¥921,956 | -¥210,000 | ¥33,160,685 |
| 3 years | ¥33,160,685 | -¥163,682 | +¥926,577 | -¥210,000 | ¥32,234,108 |
| 4 years | ¥32,234,108 | -¥159,038 | +¥931,220 | -¥210,000 | ¥31,302,888 |
| 5 years | ¥31,302,888 | -¥154,372 | +¥935,887 | -¥210,000 | ¥30,367,001 |
| 6 years | ¥30,367,001 | -¥149,681 | +¥940,577 | -¥205,985 | ¥29,426,424 |
| 7 years | ¥29,426,424 | -¥144,968 | +¥945,291 | -¥199,368 | ¥28,481,133 |
| 8 years | ¥28,481,133 | -¥140,230 | +¥950,028 | -¥192,718 | ¥27,531,105 |
| 9 years | ¥27,531,105 | -¥135,469 | +¥954,789 | -¥186,034 | ¥26,576,316 |
| 10 years | ¥26,576,316 | -¥130,685 | +¥959,574 | -¥179,317 | ¥25,616,742 |
| 11 years | ¥25,616,742 | -¥125,876 | +¥964,383 | -¥172,567 | ¥24,652,359 |
| 12 years | ¥24,652,359 | -¥121,043 | +¥969,216 | -¥165,782 | ¥23,683,143 |
| 13 years | ¥23,683,143 | -¥116,185 | +¥974,073 | -¥158,963 | ¥22,709,070 |
| 14 years | ¥22,709,070 | -¥111,304 | +¥978,955 | - | ¥21,730,115 |
| 15 years | ¥21,730,115 | -¥106,398 | +¥983,861 | - | ¥20,746,255 |
| 16 years | ¥20,746,255 | -¥101,467 | +¥988,791 | - | ¥19,757,464 |
| 17 years | ¥19,757,464 | -¥96,512 | +¥993,747 | - | ¥18,763,717 |
| 18 years | ¥18,763,717 | -¥91,532 | +¥998,727 | - | ¥17,764,990 |
| 19 years | ¥17,764,990 | -¥86,527 | +¥1,003,732 | - | ¥16,761,259 |
| 20 years | ¥16,761,259 | -¥81,497 | +¥1,008,762 | - | ¥15,752,497 |
| 21 years | ¥15,752,497 | -¥76,441 | +¥1,013,817 | - | ¥14,738,679 |
| 22 years | ¥14,738,679 | -¥71,361 | +¥1,018,898 | - | ¥13,719,781 |
| 23 years | ¥13,719,781 | -¥66,254 | +¥1,024,004 | - | ¥12,695,777 |
| 24 years | ¥12,695,777 | -¥61,123 | +¥1,029,136 | - | ¥11,666,641 |
| 25 years | ¥11,666,641 | -¥55,965 | +¥1,034,293 | - | ¥10,632,348 |
| 26 years | ¥10,632,348 | -¥50,782 | +¥1,039,477 | - | ¥9,592,871 |
| 27 years | ¥9,592,871 | -¥45,572 | +¥1,044,686 | - | ¥8,548,185 |
| 28 years | ¥8,548,185 | -¥40,337 | +¥1,049,922 | - | ¥7,498,263 |
| 29 years | ¥7,498,263 | -¥35,075 | +¥1,055,183 | - | ¥6,443,080 |
| 30 years | ¥6,443,080 | -¥29,787 | +¥1,060,471 | - | ¥5,382,609 |
| 31 years | ¥5,382,609 | -¥24,473 | +¥1,065,786 | - | ¥4,316,823 |
| 32 years | ¥4,316,823 | -¥19,132 | +¥1,071,127 | - | ¥3,245,696 |
| 33 years | ¥3,245,696 | -¥13,764 | +¥1,076,495 | - | ¥2,169,201 |
| 34 years | ¥2,169,201 | -¥8,369 | +¥1,081,890 | - | ¥1,087,312 |
| 35 years | ¥1,087,312 | -¥2,947 | +¥1,087,312 | - | ¥0 |
Payment = Principal × [ r(1+r)^n ] / [ (1+r)^n - 1 ]Japanese mortgages use an equal monthly annuity formula. The bonus repayment structure finances a chosen percentage of principal across semi-annual installments.
All calculations, amortizations, and scenario projections displayed on this page are strictly for informational and educational purposes. Nothing herein constitutes investment, financial, tax, underwriting, or legal advice. Actual interest rates, closing costs, lender fees, and statutory criteria may vary. Calconova explicitly disclaims all liability for any financial decisions or actions taken based upon these calculations. Users are strongly advised to consult a certified financial planner, CPA, or licensed lending officer prior to executing financial commitments.
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