Breakdown of Flat 35 loan borrowers in Japan FY 2023, by debt-to-income ratio

In the fiscal year 2023, around 26.6 percent of Flat 35 home loan borrowers in Japan had a debt-to-income ratio of 25 to under 30 percent. This was followed by 22 percent of borrowers who had a debt-to-income ratio of 20 to under 25 percent.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.

在2023财年，日本Flat 35住房贷款借款人中，约26.6%的借款人其债务收入比为25%至30%之间。紧随其后的是22%的借款人，其债务收入比为20%至25%之间。Flat 35贷款是指由私人金融机构提供，并由日本住宅金融公库进行证券化或保险的，最长可达35年的长期固定利率住房贷款。