JJapan Finance

The Bank of Japan unanimously decided to raise the policy interest rate to around 0.75%, bringing interest rates to their highest level in 30 years.

  • December 19, 2025


The Bank of Japan unanimously decided to raise the policy interest rate to around 0.75%, bringing interest rates to their highest level in 30 years.

by ToTheBatmobileGuy

15 comments

  1. it only momentarily raised the value of the Yen and then returned to the previous value by late trading.

  4. Once it surpasses 1% a massive carry trade unwinding would be triggered, bitcoin and US treasury buyers are all massively leveraged by cheaply borrowed Yen. They would get margin called and the markets would go into a massive crash again..

  5. And again, exchange rate for yen strengthened slightly then went right back to where it was because of it. Maybe some day they will learn that messing with the interest rate is only going to hurt their citizens and should try something else.

  6. Eh, Im sure that the newly emboldened political right is going to claim its our fault their mortgages have increased…

  7. That reminds me. Now that I have PR, I should see if I can refinance to a better loan. My only option before was a floating one.

  8. Does that mean everyone’s floating rate mortgage will hold up by 0.75% or more!?

  9. Locked in for 5 years for our loan which we closed on back in October. Bit worried but floating still seems to be the better option unless things keep shooting up

  10. It’s a bit late to be raising rates now. They moved too slowly before, and we’re already seeing mild stagflation. Raising rates further will just kill consumer spending even more.

  11. I’m so glad I have a fixed rate for the whole duration of the loan..
    That’s gonna be my middle finger to my Japanese friend that were so proud to get very low floating rates.. they will soon have bigger loans than me hehe

  15. NEVER get floating rate mortgages. Sure they start off cheap, but nobody can predict the economy for 30 years. Get a higher FIXED rate for 20 years if possible. 25 years if not, but get that house paid off.

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