その考え方は古いです「住宅ローンの頭金は2割必要」
頭金2割!有りか、なしか。
マイホームを購入するには、頭金が2割必要と言われています。
頭金が多いほど、借入額は少なくてすみますし、金利の支払いも抑えられます。
今の低金利の時代、頭金の多い少ないによっての利息の差はそれほど変わりません。
頭金の新常識について考えてみましょう。
住宅ローンは80%しか借りられない
頭金とは、物件購入のときに用意する現金のことです。残りを住宅ローンで組みます。
4,500万円の物件購入するとき、頭金を500万円入れると、住宅ローンの借入額は4,000万円になります。
では、頭金がないとマイホームは購入できないでしょうか。
一昔前は、物件代金の80%しか住宅ローンを借りることができませんでした。
でも、今は違います。
支払能力のある人であれば、物件代金の全額を住宅ローンで組むことができます。
今の時代、マイホームは頭金なしでも購入できます。
どちらがお得!頭金ためてから、それとも今すぐ購入
頭金を多く入れると、返済が楽になると言われています。
いま自己資金のある人であれば、多く頭金を入れたほうが借入額も少なく金利も少なくてすみます。
だが、これから頭金を貯めようとする人であれば全額住宅ローンを組んだほうが返済は楽になることがあります。
頭金を貯めるためにはどのくらい大変なのでしょう。
今すぐマイホームを購入する場合
年齢が30歳 家賃の支払いが120,000円
駐車料金月額10,000円
4,500万円の家を購入した場合
借入額4,500万円 35年ローン 変動金利0.725%
月々の支払いは約121,341円
ボーナス払いなしです。
いまお支払いの家賃と同じくらいになります。
今まで支払ってきた家賃と変わらないぐらいの返済が安心です。
もし、金利上昇で1%上がると
月々の支払いは約142,796円
金利が上昇するということは、景気が良くなりますから家賃も上がります。
住宅ローン完済は65歳になります。
同じ年齢、同じ条件預金をした場合
家賃を月々120,000円ずつ支払い、毎月5万円預金した場合
5年後には、頭金が300万円たまります。
4,500万円の物件購入
頭金300万円、住宅ローンは4,200万円
月々の支払いは約113,252円
もし、金利上昇で1%上がると
月々の支払いは約133,276円
住宅ローンの完済は70歳になります。
この間の家賃の支払いは7,200,000円
駐車料金は600,000円
家賃の値上がり分、2回の更新料は含みません。
この間に消費税が上がり、物価が上がり予定通りに預金がうまくいくとは限りません。
頭金ありなし、どちらがお得!
今すぐ購入の場合
月々121,341円
完済時65歳
頭金300万円の場合
月々113,252円
完済時70歳
年間の差額は8,089円
35年間の差額は3,397,380円
この差額が、損かお得なのか
あなたのご判断は。
まとめ
住宅ローンは、少しでも早く終わらせたいものです。
この先、金利が上がるかどうかは誰にもわかりません。
今すぐ購入したほうが、総体的な住宅にかかる費用が抑えられる可能性があります。
おすすめは、頭金無しで今すぐ購入して5年間賃貸のときと同じように毎月5万円預金して5年後に繰り上げ返済してみたらどうでしょう。住宅ローンの完済時期が早まります。
この記事も読まれています。
・はじめての家購入!予算とお金の流れはしっかりと掴んでおきましょう。
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