Bank Lending Rate in Japan increased to 2.75 percent in January from 2.60 percent in December of 2025. Bank Lending Rate in Japan averaged 4.58 percent from 1966 until 2026, reaching an all time high of 9.90 percent in October of 1974 and a record low of 0.90 percent in August of 2016. source: Bank of Japan

Bank Lending Rate in Japan is expected to be 2.75 percent by the end of this quarter, according to Trading Economics global macro models and analysts expectations. In the long-term, the Japan Long Term Prime Rate is projected to trend around 3.00 percent in 2027, according to our econometric models.



Related Last Previous Unit Reference
Bank Lending Rate 2.75 2.60 percent Jan 2026
Consumer Confidence 37.90 37.20 points Jan 2026
Consumer Credit 57202.60 56452.60 JPY Billion Sep 2025
GDP Private Consumption 309442.20 309116.20 JPY Billion Dec 2025
Disposable Personal Income 1010.41 425.50 JPY Thousand Dec 2025
Gasoline Prices 1.02 1.01 USD/Liter Jan 2026
Household Spending YoY -2.60 2.90 percent Dec 2025
Household Spending MoM -2.90 6.20 percent Dec 2025
Households Debt to GDP 64.00 64.50 percent of GDP Jun 2025
Personal Savings 0.40 0.40 percent Sep 2025
Retail Sales MoM -2.00 0.70 percent Dec 2025
Retail Sales YoY -0.90 1.10 percent Dec 2025


Japan Long Term Prime Rate
In Japan, the Long Term Prime Rate is the average rate of interest charged on loans by commercial banks to private individuals and companies. The Long Term Prime Rate is adopted and released by Mizuho Corporate Bank.
Actual Previous Highest Lowest Dates Unit Frequency
2.75 2.60 9.90 0.90 1966 - 2026 percent Monthly