【フラット35】1%台の金利ついに終了！ ～ 住宅金融支援機構が大幅利上げ決定 ～ 【住宅と家計のFP市川貴博「そこまで言うか～!?」】知って得する住宅ローンシリーズ

In the second half of 2025, the difference in lending interest rates between the JHF bonds and the Flat 35 loan (i.e., the JHF's profit margin) narrowed, eventually resulting in the Flat 35 interest rate being lower than the nominal interest rate on the JHF bonds, a phenomenon known as "negative spread." From the JHF's perspective, a temporary negative spread is acceptable, but it is not good for this gap to widen too much or continue for a long time. Therefore, in December 2025, the interest rate for Flat 35 was significantly raised to 1.97%, signaling a stance of "we'll exceed 2% from here," and in January 2026, the interest rate was finally set at 2.08%. However, this is still far from eliminating the negative spread compared to the nominal interest rate on the JHF bonds, and a significant interest rate hike will be inevitable in the future. If you were thinking of refinancing your variable rate loan to a fixed rate when interest rates start to rise, be careful... fixed rates may aim for much higher in the future. This video clearly explains the process for determining the interest rate for the Flat 35 loan and the current situation. ◆For housing companies and construction companies: My Home Finance Navi is an essential tool for sales representatives that combines financial planning and life planning functions. Click here. https://fp-st.com/myhome_navi/ ◆Free online mortgage refinancing consultation campaign now underway! https://fp-st.com/information/loan-ka... ◆Individual consultations regarding general home buying are also available on our website. https://fp-st.com/home_buying/ ◆We also welcome questions about home buying. Please contact us through the "Contact Us" section of our website (please indicate that you watched the YouTube video). https://fp-st.com/contact/ ◆We have started offering online consultations regarding home ownership. https://fp-st.com/information/jyutaku... ◆Our website is here. https://fp-st.com/ ◆F&S Expert also accepts consultations regarding insurance reviews. https://fp-st.com/insurance/ ◆Individual consultations regarding home loans are available through our website. https://fp-st.com/housing_loan/ ◆ Reasonable online individual mortgage consultations available here https://fp-st.com/information/jyutaku... ◆ For housing companies, insurance companies, etc., please contact us here for lectures and training requests https://fp-st.com/sales_training/ ◆ [Flat 35] Applications (new loans and refinancing) (consultations and screening) now being accepted https://fp-st.com/information/flat35-... That concludes our series on mortgages: How high will variable interest rates go?! Future interest rate forecasts interpreted from the Bank of Japan's Monetary Policy Meeting [Housing and Household Financial Planner Takahiro Ichikawa, "Do they really have to say that?!"]