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Japan's Youth Opt for 50-Year Loans Amid Rising Prices

12/21/2025

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Summary

Story summary

Younger generations in Japan are seeking 50-year housing loan terms due to rising property prices.
This lowers monthly payments but increases total repayments and extends obligations into retirement, illustrated by a 60 million yen loan at 0.75% costing about 160,000 yen monthly.
PayPay Bank reports 70% of borrowers in their 20s and 49% in their 30s choosing longer terms.
The Bank of Japan's policy raises concerns about rate fluctuations.

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Story summary

Younger generations in Japan are seeking 50-year housing loan terms due to rising property prices.
This lowers monthly payments but increases total repayments and extends obligations into retirement, illustrated by a 60 million yen loan at 0.75% costing about 160,000 yen monthly.
PayPay Bank reports 70% of borrowers in their 20s and 49% in their 30s choosing longer terms.
The Bank of Japan's policy raises concerns about rate fluctuations.