京都府 (Kyoto)・4000万円の不動産購入諸費用＆住宅ローン返済額 (2026年)
Purchasing a ¥40,000,000 property in Kyoto, Japan incurs ¥1,200,000 in 不動産取得税・登録免許税 (Real Estate Acquisition & Registration Tax) (3.00%) plus ¥350,000 in legal/registration fees. With a 20% deposit (¥8,000,000) and a 25-year home loan at 1.88%, your monthly repayment is ¥133,772/month.
Monthly Repayment (25Y)
¥133,772/mo
Loan: ¥32,000,000 @ 1.88%
Stamp Duty / BSD / DLD
¥1,200,000
3.00% Effective Duty
20% Deposit
¥8,000,000
+ Legal: ¥350,000
Total Upfront Cash
¥9,550,000
Deposit + Stamp Duty + Legal
Itemized Stamp Duty & Mortgage Breakdown (Kyoto)
| Property Purchase Price | ¥40,000,000 |
| 不動産取得税・登録免許税 (Real Estate Acquisition & Registration Tax) | ¥1,200,000 |
| Conveyancing, Legal & Title Registration | ¥350,000 |
| Total Upfront Cash Required (20% Deposit + Duty) | ¥9,550,000 |
| Monthly Principal & Interest (25Y @ 1.88%) | ¥133,772 / month |
| Total Interest Payable Over Loan Term | ¥8,131,513 |