JapanUpdated for 2026FinanceJapan Housing Loan Tax Credit Calculator 2026 (0.7% 13-Year Mortgage Deduction)
Calculate your Japanese mortgage tax credit (0.7% of year-end loan balance) and 13-year cumulative tax savings across statutory energy-efficiency tiers: Certified Long-Life, ZEH, and Energy Conservation homes.
1st Year Max Annual Tax Credit
13-Year Cumulative Tax Savings
Calculator Inputs
1st Year Max Annual Tax Credit
13-Year Cumulative Tax Savings
Statutory Borrowing Limit Cap
Monthly Mortgage Payment (35yr)
Your loan amount exceeds this tier's cap; the 0.7% tax credit is assessed on the maximum statutory ceiling.
Loan Principal vs Tax Credit Cap
Models statutory 13-year tax credits under the Act on Special Measures Concerning Taxation. Unused credit transfers to resident tax up to 97,500 JPY/year.
This calculator is a mathematical model for general financial estimation, planning, and educational guidance. Results depend on your inputs and standard formulas, and do not constitute binding financial, tax, or investment advice. Always consult a qualified professional before making financial decisions.
Calculation Methodology
Annual Credit = Min(Year-End Mortgage Balance, Statutory Cap) × 0.7% for 13 years.
Frequently Asked Questions
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