Japan Mortgage Rate Rise Simulator- Home
- Refinance check
Mortgage Refinance Check — Rate Gap vs. Costs
Compare your current loan and a refinanced one: monthly difference, total difference and months to recover the costs.
These results are estimates based on what you enter. Many Japanese lenders review variable rates every six months, and guarantee fees, credit life insurance, prepayments and mortgage tax deductions are not included. For real decisions, check with your lender, a financial planner or official sources.
FAQ
When does refinancing pay off?
A bigger rate gap, a larger balance and a longer remaining term help; high costs slow things down. The tool shows how many months it takes to recover the costs and the net difference in total payments.
What if I extend the term?
The monthly payment falls, but total payments may rise. Compare the net total difference.
What is not included?
Differences in credit life insurance, the remaining mortgage tax deduction, prepayments and future changes to variable rates.