Maximum loan amount

Estimate the principal you can afford from monthly and bonus payment capacity using equal-payment annuities.

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Calculation basis and official references

Reviewed on:

Formula basis

Compute the maximum principal value using present value formulas for equal-installment loans, adding regular monthly payment capacity and bonus repayment.

Calculation method

This is a Japan-focused estimate that works backward from an affordable monthly and bonus payment to the maximum principal you can borrow for a selected rate and term.

Exclusions and checks required

  • Borrowing capacity examples such as flat35 are institution-specific and subject to lender policy, collateral valuation, and underwriting requirements.
  • Other debts, age, debt ratio, insurance, and income conditions can materially lower practical approval amounts.
  • Calculated capacity is not a borrowing recommendation and should be confirmed with an official credit process.

Example input:：Able to repay 100,000 JPY per month for 35 years

monthlyPaymentYen
100000
termYears
35
annualRatePercent
1.5
bonusPaymentYen
0
otherAnnualDebtPaymentYen
0

The result is a theoretical amount from one set of assumptions and does not reflect qualification limits or household-level safety margins.

Official references

FAQ

Who is this calculator for?

Estimate the principal you can afford from monthly and bonus payment capacity using equal-payment annuities.

What values should I enter?

Applies to: Reverse calculation

How should I interpret this estimate?

This is a Japan-focused estimate that works backward from an affordable monthly and bonus payment to the maximum principal you can borrow for a selected rate and term.

How to use

  1. Enter your input values and press Calculate.
  2. Review the result and compare it with expected context.

Official references