Bank Lending Rate in Japan increased to 3.25 percent in August from 3.15 percent in July of 2026. Bank Lending Rate in Japan averaged 4.57 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 3.50 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 3.25 percent in 2027, according to our econometric models.



Related Last Previous Unit Reference
Bank Lending Rate 3.25 3.15 percent Aug 2026
Consumer Confidence 35.50 34.90 points Aug 2026
Consumer Credit 62267.10 60712.00 JPY Billion Mar 2026
GDP Private Consumption 310766.30 310743.10 JPY Billion Jun 2026
Disposable Personal Income 554.38 810.64 JPY Thousand Jul 2026
Gasoline Prices 1.07 1.04 USD/Liter Aug 2026
Household Spending YoY -3.60 -3.30 percent Jul 2026
Household Spending MoM 0.50 -6.40 percent Jul 2026
Households Debt to GDP 60.80 60.80 percent of GDP Mar 2026
Personal Savings -5.90 4.20 percent Mar 2026
Retail Sales MoM 2.40 -3.90 percent Jul 2026
Retail Sales YoY 4.00 0.60 percent Jul 2026


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
3.25 3.15 9.90 0.90 1966 - 2026 percent Monthly