Japon
variable mortgages ~0.6–1.0%; long-term fixed (Flat 35) ~2.5–3.2% (mid-2026), world-class infrastructure, yen weakness = entry opportunity
Risque de change
JPY
* Les taux de change sont illustrés uniquement, basés sur le taux moyen de la BCE. Les transactions réelles peuvent être soumises à des frais de conversion.
✅ Points forts
- ▸Ultra-low mortgage rates (1.0–1.6%) create strong positive carry
- ▸G7 governance; world-class rule of law (TI CPI 78)
- ▸Weak yen = currency entry discount for foreign investors
⚠ Risques
- ▸Declining population (-0.5%/yr) — demand shrinking outside major cities
- ▸Building depreciation (RC 47yr, wood 22yr) — structures lose all value
- ▸Minpaku law: 180-day STR cap severely limits short-term rental income
CASABROVA Verdict
Unique carry trade opportunity — borrow at 1% to yield 4-6%. Focus on Tokyo/Osaka core. Building depreciation is key risk.
Indien : CASABROVA Score 70.8 (rang #12) pour ce profil.
Stratégie recommandée
Tokyo 23-ward RC mansions post-1981 for LT rental. Leverage ultra-low rates. Avoid wooden structures and rural areas.
Basé sur les vagues 1 à 8 de CASABROVA, premier trimestre 2026. Pas de conseils financiers ou juridiques.