*This is an article posted on the Real Estate Investment Course Lover’s Official Blog.
Hello! I’m Momokan, a first-term student at Lover’s.
Recently, I’ve been seeing news about “mortgage interest rates are rising” quite often.
Hearing so much about rising interest rates, I’m sure some of you are feeling anxious, wondering:
“Is it okay to buy real estate now?”
“If interest rates are rising, should I stop buying real estate?”
I’m sure some of you are feeling anxious.
It is true that mortgage interest rates are trending upward, and no one knows how high they will go in the future.
However, personally, I don’t think it’s quite right to say, “Interest rates are up, so you can’t buy real estate anymore!”
This is because, while interest rates are rising, prices are also going up..
For example, if prices rise by 2% per year, what you can buy for 1 million yen today might not be purchasable for the same 1 million yen in the future.
Even if your savings balance remains at 1 million yen, if prices rise, the amount of goods you can buy with that 1 million yen decreases.
In other words, under inflation, the real value of your money will gradually diminish if you just hold onto cash..
On the other hand, when you borrow money to purchase real estate, the real burden of your debt can become relatively lighter due to inflation..
Furthermore, since real estate is a tangible asset, its value is easier to maintain under inflation, and in some cases, it may even increase in price along with rising costs..
If you want to avoid the risk of rising borrowing interest rates, choosing real estate you can buy with cash is one option. (I bought a property for 1.5 million yen in cash this year.)
Therefore, even now as interest rates are rising, I believe that there are cases where owning real estate is more advantageous for asset formation than just saving money..
Of course, this doesn’t mean, “You should buy real estate right now!”
You need to judge whether an investment is worthwhile based on various factors, not just interest rates, but also property prices, projected income and expenditure, the future potential of the area, and exit strategies.
Aika-chan and Bear-chan, who run Lover’s, explain “Why choose real estate investment as asset protection in the age of inflation?” in an easy-to-understand way on YouTube here👇
*This video was released in June 2026. The interest rate levels mentioned in the video may differ from the current ones.
In the video,
✅ Why real estate investment is actually suited for women ✅ Why real estate investment is better suited for
company employees than for the wealthy ✅ The number one
property type beginners should never buy ✅ Will you go bankrupt if you take out a
variable rate loan? ✅ Is the vacancy risk
high in Japan as the population declines?
Aika-chan and Bear-chan answer these and other questions from Lover’s students.
If you are interested in real estate investment, start by gaining knowledge✨
Please watch the video and use it to help build your assets＾＾
If you would like to know more about Lover’s, please check out this article♡
▶What is the Lover’s Real Estate Investment Course?
