More borrowers choosing full-term fixed rate home loans

According to the latest survey by the Japan Housing Finance Agency, the percentage of borrowers choosing a fixed interest rate for the entire duration of their home loan was 31.7% between November 2013 and February 2014, up 6.4 points from the previous period and up 8.6 points from the same period last year. The percentage of borrowers electing for a floating interest rate dropped 4.2 points from the previous period to 37.1%. 

35% of the respondents said they were expecting interest rates to increase over the next 12 months, while 5.6% were expecting rates to drop.

42.9% of borrowers in their 20s elected for full-term fixed rates, with 26.3% choosing floating rates. 30.5% of borrowers in their 40s chose full-term fixed rates, while 39.7% chose floating rates.

905 people who took out a mortgage for a personal residence between November 2013 and February 2014 responded to the survey.

Source: The Japan Housing Finance Agency, June 4, 2014.

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