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HOME Knowledge Insight Publications Capital Markets & IT - lakyara Capital Markets & IT -lakyara List Capital Markets & IT - lakyara August 2023 Central bank rate hikes pose more risk to mortgage borrowers in Japan than in US

Central bank rate hikes pose more risk to mortgage borrowers in Japan than in US

August. 16, 2023

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Conventions around residential mortgage lending/borrowing differ across geographies. Long-term fixed-rate mortgages are preferred in the US while ARMs are the norm in Japan. Such differences mean mortgage borrowers’ exposure to interest-rate risk differs internationally. In Japan, this risk may manifest once the BOJ embarks on a rate hike cycle.

About the Author

  • Masaya Sasaki

    Expert Economist

    Strategy Planning Department

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E-mail: kyara@nri.co.jp