住宅ローン借りるとき選ぶ大切な5つの事
住宅ローンの金利が高い、安いで住宅ローンを選んでよいものでしょうか。住宅ローン選ぶ時に、多くの方が金利の安い高いかできめてしまいがちです。それも重要ですが、他にも決めなければならないことがあります。35年間という長い期間ですから、金利のほかにも大切なことがあります。
1.金利タイプを選ぶ
金利タイプにより、金利や総返済額が違って来ます。
住宅ローンの金利タイプには、全期間固定金利型、固定金利選択型、そして変動金利型の3タイプがあります。
全期間固定金利型は、借り入れ当初の金利が完済まで変わらないので総返済額も借りた時点でわかります。月々の返済額も最後まで変わりません。途中で金利が上がった時でも安心です。
変動金利型は金利の安さが魅力ですが将来金利が上がると返済額も上がってしまう心配があります。金利が上がっても当初5年間は返済額が変わらないことになっていますが、元本部分と利息部分を調整して返済額が変わらない様にしているだけです。金利が上がると元本の返済が少なくなり、いつまでたっても住宅ローン残高が減らないということもあります。
金利の見直しは、年2回、4月と10月に金利が見直されます。
固定期間選択型は5年、7年、10年、15年など期間が短いほど金利は低くなっています。固定期間が過ぎると、再度金利プランを選択します。金利はその時点の金利が適用されます。
2.住宅ローン借入額を決める
今の自分の年齢や年収でどのくらい借りられるのかを見てみましょう。各金融機関によって審査は違いますが、銀行から借り入れできるおおよその目安の金額をみてみましょう。
審査金利3.5% 返済期間35年で借りられる金額
年収300万円 借り入れできる額 2,110万円
年収400万円 3,220万円
年収450万円 3,620万円
年収500万円 4,030万円
年収550万円 4,430万円
年収600万円 4,830万円
年収650万円 5,240万円
年収700万円 6,350万円
これはあくまでも借り入れできる金額の目安です。審査金利が低ければ、もう少し借入額が増やせます。
審査金利とは、住宅ローンを利用する場合に実際適用される金利より高く設定されています。十分な返済能力のある人を選ぶために、審査用として厳しい審査金利を設定して、これをクリアできる人を選んでいます。
審査金利は金融機関によってそれぞれ違いますが3.0~4.0%ぐらいと思われます。審査金利が違うため、A銀行でダメだった人がB銀行なら借りられるということが起こります。
借入額を決めるには、返済額も知らなければなりません。おおよその返済額の目安です。35年変動金利0.625%、 0,425%で借りた場合ボーナス返済無しです。
金利 0.625% 0.425%
3,500万円 92,800円 89,713円
4,000万円 106,058円 102,529円
4,500万円 119,315円 115,345円
5,000万円 132,572円 128,161円
5,500万円 145,830円 140,977円
6,000万円 159,087円 153,793円
月々支払える金額は、今お支払いの家賃を基準にして考えるとわかりやすいです。
3.住宅ローン借入期間を選ぶ
住宅ローン借入期間は、金融機関によって異なりますが1年から35年以下で完済年齢は80歳になります。何もしないと借入期間は35年になります。多くの人が35年の借入期間を選んでいます。
借入期間長ければ長いほど、月々の返済額が少ないからです。果たしてこれでいいのでしょうか。借入年齢が30歳であれば完済年齢は65歳になります。35歳であれば70歳、40歳であれば75歳になります。定年後もローンの返済が続く可能性があります。
もうちょっと早く終わらせたいですよね。借入期間短くすれば、総返済額も違ってきます。期間が短ければ短いほど金利は少なくてすみますが、家計の負担が大きくなります。
借入期間短い方がお得ですが、月々の返済額はきつくなります。借入期間長くなりますと、月々の返済は楽になります。借入期間が長くなると保証料は高くなります。借入年数によって違って来ます。
4,000万円を変動金利1%借りた場合。ボーナス払い無しです。
返済期間 月々の支払い 総返済額
20年 183,957円 44,149,680円
25年 150,748円 45,224,400円
30年 128,655円 46,315,800円
35年 112,913円 47,423,460円
4.収入合算にするかペアローンにするかどちらかを選びます。
夫婦共働で住宅ローンを組む場合に、収入合算にするかペアローンにするかどちらかを選びます。
住宅ローンを組む場合、一人で組むのが不安な場合、多くの住宅資金を借りたい場合、自分一人の収入では借りられそうもない場合、ご夫婦で収入を合算して借りる方法があります。
収入合算
一定の収入のある人が申込者の収入に合算する方法です。収入を合算した金額で借り入れすることができます。申告する収入額を増やすことで借入額を増やすことができます。収入合算者は連帯保証人になることが必要になります。
生命保険には、主債務者しか加入することはできませんので収入合算している連帯保証人に万が一のことがあっても返済はそのまま続きます。
ペアローン
申告する収入額を増やす方法としてペアローンがあります。収入合算と違う点は、ご夫婦それぞれが、債務者となり住宅ローンを組みますので、住宅ローンは2本になります。この方法の最大のメリットは、それぞれが住宅ローン控除を受けることができることです。
それぞれが相手の連帯保証人になります。
生命保険には、両方とも加入できますが、どちらかに万が一のことがあった場合に、債務免除は万が一の人だけになります。片方の債務は残ります。
5.住宅ローンは金利だけでない大事なこと。
保障内容で選んでください。住宅ローンを借りるときには、団体生命保険の加入が条件になっています。団体生命保険は「団信」と訳されて呼ばれています。
団信は、住宅ローン返済中に万が一のことがあった場合または高度障害状態になった場合に、住宅ローンの残債が免除されるというものです。
団信には、死亡・高度障害を保証するものだけではなく、ガンや急性心筋梗塞・脳卒中といった3大疾病保障というものもあります。その他8大疾病補償付住宅ローン、この時代必要になってきました、失業した場合に再就職まで最長6か月間の返済を保証してくれる失業信用費用保険など金融機関によって違って来ますので、自分にとって何が必要なのかを考えて選ぶことが大切です。
住宅ローン借りるときにあなたが選ぶ大切な5つの事まとめ
住宅ローンは、決して金利の高い安いで決めるものではありません。
今の時代は、若い人でもがんが怖いです。ガン保証が付いているのか、失業になったときの補償が付いているのかも選ぶポイントになります。
この先金利が上がらないと思えば変動金利、長い期間の間には金利が上がるとお考えなら、全期間固定金利型を選びます。住宅ローンを借りるときには、ご自身でいくつかの大事な決断をしなければなりません。
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Da ta was gen erated by G SA Content Gen erator Dem ov ersion.
The disaster surrounding the failure of Lengthy-Term Capital Administration in 1998 was an instance of an unregulated shadow banking establishment that many believed posed a systemic risk.
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The Indian authorities is issuing public notices in media to unfold consciousness among the public and warn them against cellular tower fraudsters.
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Faculty, Columbia Business. “MBA Class Profile”.
C. Although some money should be allocated to bond funds for diversification purposes, bond funds should be underweighted in favor of stock funds.
Romero’s company, positioned in Perryville, Mo., creates flat-packed cubelike homes with sleek, trendy exteriors.
There are also accelerometers in the chest, pelvis, legs, feet and other parts of the body.
Well, they work very hard to gain both a broad working knowledge of the industry and specific knowledge about the sector.
As with all stocks and shares trading, it is important to note that even the most informed information regarding past performance is no guaranteed indicator of future performance.
In recent years, though, freeports have come to play an increasingly important role in the burgeoning business of buying, selling and investing in high-value works of art.
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Nonetheless, fees of alleged huge corruption or misuse of funds blemished the resulting programs and numerous initiatives, one in every of which was the Centennial Expo and Amphitheater at the former Clark Air Base in Angeles Metropolis, supposedly Ramos’s pet undertaking.
MRP information systems helped managers determine the quantity and timing of raw materials purchases.
Through the 1990s, more funds had been offered, and a number of other Vanguard funds, including the S&P 500 index fund and the total inventory market fund, became among the largest funds in the world, and Vanguard grew to become the biggest mutual fund firm on this planet.
Labour Unions and strikes is likely to be a short term tactic, however once the mud of the protest has settled, it could be back to day by day survival within the open market.
Security dealers choose the degree of price and liquidity risk to bear, their price risk is evidenced by their price quotes, meanwhile, their liquidity risk comes in the form of their yield quotes.
Sonangol Group (January 6, 2021).
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