Provided is a precoated fin material for heat exchangers that allows the construction of a fin structure in which frost formation at the time of heater operation can be prevented to the extent possible, and under such a condition that condensation is liable to occur on a fin surface, a water droplet of condensed water can be quickly removed by bringing the water droplet into contact with a hydrophilic film, and as a result, a favorable heat exchange function can be maintained without any increase in ventilation resistance. Also provided is a heat exchanger including such fin structure. The precoated fin material for heat exchangers includes: a fin substrate formed of an aluminum plate material; a crosslinked hydrophobic film having a frost formation-suppressing effect, the crosslinked hydrophobic film being formed on one surface of the fin substrate and being formed of an aqueous hydrophobic coating composition containing a resin (A) having a fluorine atom-containing group, a quaternary ammonium salt group-containing modified epoxy resin (B), and an amino resin (C) at predetermined ratios; and a hydrophilic film having a condensed water-removing effect, the hydrophilic film being formed on another surface of the fin substrate. The heat exchanger includes a fin structure in which a hydrophobic surface having a frost formation-suppressing effect and a hydrophilic surface having a condensed water-removing effect are opposite to each other.