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Interest rates rose 0.37 percentage points in a month—can you cancel the contract you already signed?

Interest rates rose 0.37 percentage points in a month—can you cancel the contract you already signed?

The October Flat 35 modal rate climbed to 3.83% , but what decides how much you lose isn’t the rate sheet—it’s how the loan contingency clause (ローン特約) is written in your contract. According to the Japan Housing Finance Agency, the October 2026 Flat 35 modal rate under the most common conditions—LTV at or below 90%, with the agency’s new group credit life ins…

Market Analysis
Xiao Li
15 hectares lie vacant at the station front, yet prices are 30% below the Kanagawa average: Sagamihara Station North Exit is bottlenecked by a costly rail elevation

15 hectares lie vacant at the station front, yet prices are 30% below the Kanagawa average: Sagamihara Station North Exit is bottlenecked by a costly rail elevation

The median gross yield for whole-building assets at Sagamihara Station is 7.07% . The market has not priced in the North Exit development; the bottleneck is a railway elevation bill of up to JPY 117.4 billion . Across Greater Tokyo, it is rare to find roughly 15 hectares of almost entirely empty land right outside a JR station exit. The North Exit of JR Yoko…

Market Analysis
Xingkai Luo
Author

More from Xiao Li

Kiyose and Nagareyama Are Both Attracting New Residents—Who Should Your Rental Building Target?

Kiyose and Nagareyama Are Both Attracting New Residents—Who Should Your Rental Building Target?

In-migration data for Kiyose and Nagareyama helps rental owners sharpen leasing strategy: first identify movers already within the local living area, then test whether units match their budgets. Author: Li | Data verified as of Oct 14, 2026 Where newcomers come from determines which homes your units compete with Kiyose and Nagareyama feature in Greater Tokyo…

Area & Property Spotlight
Xiao Li
The “Invisible Housing Cost” of ¥32,000 per Month: Greater Tokyo resale condos are starting to stratify by “can you afford to hold?”

The “Invisible Housing Cost” of ¥32,000 per Month: Greater Tokyo resale condos are starting to stratify by “can you afford to hold?”

The same management fee plus repair reserve fund takes just 8.5% of rent in Nakano, but nearly one-fifth in Omiya and Funabashi; holding costs are reshuffling how resale condos are valued. In recent years, when judging whether a Tokyo resale condo is worth buying, investors mostly looked at distance to the station, building age, floor area, and developer bra…

Market Analysis
Xiao Li
Market Report

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Data history
10+ years
Properties tracked
5.5M
Coverage
Greater Tokyo
Property types
Condos, buildings, houses, land