basic course for a single apartment purchase (3) accumulate the down payment if the chance now!

The apartment of yearning, at the time of purchase, uniting housing loan, the one which purchases is the majority.And, “down payment” is attached to housing loan, the thing.Either the case which borrows the payment in full of selling price of the apartment with housing loan is not unusual.

So, down payment it probably is if which extent it should have prepared? “As for 20% of selling price of the apartment that it will prepare, as down payment” the majority in the two book is written how.As for this, because public system such as Housing Loan Corporation 80% of selling price has done loan value amount.Depending, being personally owned, you must prepare remaining 20%, it means.Of course, if financing condition is agreeable, also it is possible to borrow remaining 20% from the bank and the like.

As for we do not want misunderstanding, unless down payment is 20%, say that it is not not to be able to buy.According to the investigation for the apartment buyer, when half of the buyer has purchased, with approximately down payment 10%, is.Down payment being little, it means that it is important to raise the repayment plan which is not unreasonable are by yourself.

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* Even then as for down payment more one rakuchin

more single, be able to change the life style is high, to that end loan debt is less, to be nimble it is recommended. point to reduce the total amount of the loan payment, following3is another.

lower interest rates
a shorter repayment period
borrowing less

it is important of course, interest rates and repayment period, “to reduce the amount of borrowing”i would like the world is also aware that.

let me give you one example:.

(exampleA) down payment0yen,borrowing2000million yen,interest rates3%,35year repayment (annuity repayment) if the
monthrepayment of the76,970yen

(exampleB) down payment200million yen,borrowing1800million yen,interest rates3%,35year repayment (annuity repayment) if the
monthrepayment of the69,273yen

exampleAand exampleBmon andis the difference between the amount of repayment7,697yen will be.

mere7,697yen, saredo7,697yen is. 1in the years92,364yen, will pay off35in the years323the difference of ten thousand yen! the original200ten thousand yen323it swells to the difference between the ten thousand yen.

when it comes to, questions such as: do not have sprang?
Question should i buy from accumulating a down payment?

ieie, but this is not true. in the previous example2,000than take out a loan of ten thousand yen, 1,800seems to be better deals because of the loan of ten thousand yen, after200going to buy from accumulate ten thousand yen. think that interest rates within0.5%after the rise? ? ? aspect is the rise in interest rates is that it may be sufficient.

(0.5%after the rise? ) borrowing1800million yen,interest rates3.5%,35year repayment (annuity repayment) if the
monthrepayment of the74,392yen

(1.0%after the rise? ) borrowing1800million yen,interest rates4.0%,35year repayment (annuity repayment) if the
monthrepayment of the79,699yen

how is. at that time, i wish i had bought could not be also that. when you want to buy, time to buy it is not a problem easily done, and ru shimae. you need to pay close attention as well as the movement of interest rates.

Question to accumulate a down payment how do you still?

it is called single, earn savings favorable conditions, are available. his time, his money. may be used too, also up to you to save. so it does not go to family and. or shaving the generation of children cram, cut the pocket of her husband or, cooperation and family is difficult. educational expenses, such as, mortgage and the batting will always. if there is only now save. daylet’s start with a little of that.

(Answer1) first, let’s identify what the second hand gold.

tip us extraordinary, what they’re saving the lottery, book coupon, postal savings, time deposit, ordinary deposit, account of the credit union near the family home had been neglected in, etc..

turning to the down payment cashed them all, not mean that, to figure out what you can cash in a pinch or how much it is is. emergency, if you can, even when that allowance, the mansion buy with peace of mind by turning to cost money otherwise.

(Answer2) 1only months, view with a book allowance!

do not know of tsukaimichi fri unaccounted for you have a kit is. this cut. it is a good idea to use the savings would only amount to force or its.

how to earn the after expending the extra savings will useless in. the payroll deductions to force savings, in the rest of the money to make ends meet let’s run the.

(Answer3) the shopping20%cut, overseas travel is the year1from time2year1time. eating out weekly1time!

work hard and set a concrete goal! swooningly and i think to continue zutto, does not last long. the wariki~tsu and save it until the down payment, please to challenge in the best.

(Answer4) if there is any chance that you, do you have trouble people?

this is, death is a review of your insurance. is a different story and will have nourished and your parents, if you do not have people living depend on your income, required to join the insurance does not have a large amount of death.

speaking of extremely, generation of funeral500death of about ten thousand yen sufficient insurance. immediately, make sure to check insurance. all you need is a single woman, death rather than expensive insurance, decent medical insurance is. insurance premiums5000if you ask tighten yen was reduced, let devoted to the savings deposit.

(Answer5) last resort, assistance of parent! ?

this time around, let’s depend on their parents would. rent get there are several ways. heisei15newly established in the year, that integrates the inheritance and gift taxes if an inheritance settlement taxation is a strong ally helping to fund the acquisition of the residential.

related article: from parent3500get duty-free up to ten thousand yen (buy a house in kansai)
related article: which is kind donation or obtain money or? (inheritance)
but, buy from mansion, i want you to aid the money they just blindly ask metropolitan is bad. ask for assistance when, come, think of a presentation to a client, planting of scenarios and create a proposal, please place it in the face of.

basic course for a single apartment purchase back issues
(1) ‘s the difference between deposit and application money?
(2) annual income300purchase apartments in ten thousand yen!