ファイナンシャルプランナーがお勧めする住宅ローン賢い返済方法
住宅ローン返済方法おすすめ4つ
1.ボーナス返済は利用しない。
住宅ローンの返済方法にボーナス払いがあります。毎月の返済に加えて、ボーナスが支給される月に返済額を増額して支払います。例えば6月と12月年2回になります。
月々の返済が安いなと思って話を聞いていたら、ボーナス払いが入っていたという話がよくあります。月々の返済額を少なく見せるためです。ボーナス払いにすると、半年に一回の返済ですから、その分金利が増えます。
ボーナス払いは、なしで返済額を決めたらよいと思います。返済額は増えますが、月々の返済が無理なく返せるようでしたら、その金額が住宅ローン借りる金額になります。
住宅ローンは、借りられる金額ではなく無理なく返せる金額が、借りる住宅ローンの金額になります。
ボーナス払いなしで組んでおいて、ボーナスを使わずに預金に回せるようでしたら、その中のいくらかを繰り上げ返済に回してください。
2.賢い住宅ローン返済方法繰り上げ返済
繰り上げ返済は、余分なお金ができましたらこまめに返済してください。ちょっと前までは、繰り上げ返済の手数料が取られましたが、今はネットで返済すると手数料はかかりません。5万円でも10万円でも繰り上げ返済にまわすのが住宅ローン返済のコツです。
繰り上げ返済すると、どれだけお得になるかイメージとして掴んでください。
正確ではありません大雑把なイメージです。
例えば毎月10万円返済しているとします。
この10万円のうち8万円が元金、2万円が金利になります。
分かりやすく24万円の繰り上げ返済した場合、元金24万円が返済されます。
これは3か月分の返済になります。金利3か月分(6万円)がなくなるということです。24万円の繰り上げ返済することにより、金利6万円がお得になり、借入期間は3ヶ月みじかくなります。繰り上げ返済のイメージ掴めたでしょうか。
繰り上げ返済の返済方法
住宅ローン繰り上げ返済した場合に、毎月の支払額を少なくする支払額軽減型、ローン期間を短くする期間短縮型を選ぶことができます。毎月の支払いがきつくなければ期間を短くして、少しでも早く終わらせた方がよいでしょう。
3.住宅ローン返済期間は最長にしときましょう。
返済期間が長くなればなるほど毎月の支払いは楽になります。楽にすることにより毎月の生活に余裕ができます。
返済期間は、繰り上げ返済により短くすることはできますが、長くすることはできません。子供の養育費なども考えて最長で組んでおきましょう。
もし預金ができるようであれば、繰り上げ返済に回してください。
一番賢い返済方法は、元金を1円でも少なくすることです。繰り上げ返済することにより元金がどんどん減ります。
4.元利均等返済と元金均等返済
住宅ローンの返済方法は大きく分けて元利均等返済と元金均等返済2つの方法があります。
元利均等方式
ほとんどの方がこの方式で返済しています。金融機関も説明しません。
元金と金利を合わせて均等に返済していきますので、返済額が最後まで変わりません。金利が一定の場合は、始めの月の返済額と終わりの月の返済額は変わりません。
住宅ローンの返済が始まったころは、借入の残高が多いために利息の支払いが多くなります。そのため元金部分の減り方が少なくなります。
元金均等返済
住宅ローンで借りた元金を、返済期間で均等に割、残高に応じた金利を上乗せして支払う返済方法です。初めは残高が大きいので、その分利息も大きくなりますが、元金が減ってくると利息も少なくなります。
住宅ローンが始まったばかりの時、一番返済額が大きく、元金が少なくなっていくうちに利息額も少なくなり返済額も少なくなります。
最初に支払う返済額は大きいですが、元金の減り方は早く、総支払額も元利均等返済より少なくて済みます。
金利が高ければ高いほど、元金均等返済のほうがメリットがありましたが低金利の今は、それほどのメリットは出てきません。金利が上昇した場合、借入金額が大きい場合総支払額に差が出てくるでしょう。
住宅ローン返済方法おすすめまとめ
1.住宅ローン借入期間は最長を選ぶことにより、月々の返済額を減らし毎月の生活に余裕が生まれます。
2.元金均等返済を選ぶことにより総返済額を減らすことができる。低金利の時はメリットがあまりありませんが、借りる金額が大きいとき、金利が上昇した時は元利均等返済より有利になります。
3.繰り上げ返済をこまめにすること。
少しでも元金を減らすことが一番です。ネットで繰り上げ返済すると手数料はかかりません。
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