Is it timing now?If you want to buy a house with Corona, how to borrow a mortgage that does not lose (Ayako Sakamoto) --Apers -Yahoo! News

Many people want to buy a house for Corona?

Despite the great change of life due to the influence of the new Corona, more than half of my household consultation is about buying a house.There are many couples in their 30s and early 40s who have young children.Corona was hit by Corona just when he wanted to buy a house in his life, but he would definitely want to buy it.

In addition, the increase in remote work in Corona seems to be a chance to review housing and living again, and some people consider buying and relocating housing.The price of land and real estate has risen depending on the region, as if it supports the lively motivation to buy a house.

On the other hand, reports on mortgage bankruptcy are increasing.Although the number of consultations for financial institutions for deferment has continued to be increasing, it is said that the reserves for mortgage bankruptcy are tens of thousands of people.

What are the precautions when buying a house in Corona?Is there any benefit to buying now?I want to think about.

If you want to buy a house for Corona, what do you want to be careful about?

First, the precautions of purchasing a house in the corona evil.

If you are trying to buy a house, this is probably because this Corona did not affect your income.But this time it's okay, but it's not always OK in the future.

Anyone who had trouble repaying mortgages due to the Corona would have expected it at the time of purchase.I would like to calm down and predict my future income from the status of work, the industry in which I work, my work abilities, age, etc.

The next important thing is to buy a house with a reasonable price for your income.This is surprisingly difficult, and many of the people who come to consult often exceed the proper budget I think.If you enjoy your daily life and pay for your child's education, if you buy a house, the budget is about this, and you are often surprised, "Well, is it so low?"The amount I thought was the appropriate budget 1.2 times to 1.About 5 times.Some people want to buy a house that is doubled.

I think the reason why this happens is that we consider from the borrowed mortgage loan.When buying a house, most people make a mortgage.When estimating how much a mortgage can be borrowed in a real estate company, etc., it is often the case that a variable interest rate with low interest rates, and for a long -term repayment of 35 years, based on the annual income including tax.is.In this case, it will be a calculation that can borrow a considerable amount of money.

However, in fact, how to spend money is different for each home.The borrowing interest rate depends on the attributes such as the employer and the ratio of down payment.It is not always possible to borrow at the lowest interest rate you see on the Internet.Ideally, repayment should be ended up in active duty, such as until the age of 65.I want to avoid buying a house that is too expensive even if it is not a corona.

In recent years, it is said that you can buy a house without a down payment.However, when purchasing a house, various expenses are required in addition to housing prices, and this expense is in principle.There are mortgages that include various expenses, but the interest rates are usually high for various expenses.The costs will be borrowed at a high interest rate.In addition, there are many financial institutions where interest rates differ depending on whether you can put down payments more than 10 % or not.In order to take advantage of the low interest rates, I still want to put more than 10 % down payment.

However, be careful not to put too much.If you put a lot of down payment, the borrowing amount will decrease and the monthly repayment will be reduced, so the household balance will be easier.In addition, the interest paid for the loan can be reduced.It was theory of the past that it would be better to have more down payments.However, I want to keep some money on hand when the future is not visible.In addition, now that you can borrow at low interest rates, some people can borrow a mortgage deduction with almost no interest (depending on the amount of borrowings, interest rates, houses, and income).

These three are the precautions, but what are the benefits of buying now?

Taking advantage of low interest rates and mortgage deductions

Ultra -low interest rates have continued.Depending on the money in the bank, it hardly increases, but if you borrow it, you can pay less, so it is advantageous.If the floating interest rate is 0.It can be borrowed in the first half of the 1 % range at around 5 % and fixed interest rates.There is no doubt that it is when borrowing a mortgage in terms of interest rates.

If you can use a mortgage deduction, 1 % of the year -end loan balance (within the taxes you pay) will return, so there are cases where there is almost no interest rate burden.Mortgage deductions can be received for 10 years (new housing purchased at a consumption tax rate of 10 % for 13 years), so the cumulative tax saving is considerable.Mortgage deductions are eligible for both new and second -hands.

Reviews are being considered for mortgage deductions.People who borrow at a interest rate of less than 1 % may correct this because they may have a 1 % deduction and have a refund of paid interest rates.It may be reviewed by the next tax reform.

Mortgages have group credit life insurance, so for those who have a family, there is also the merit of insurance that can secure family housing in the unlikely event.

If you think comprehensively, if you think it's a time for you or your family to buy a house, it's not a bad time if you can find a property you like in a house that suits your budget.Since it is likely that the convergence of Corona is still going on for a while, it is of course a prerequisite to manage health and money, including vaccination.