Heisei 20 years housing loan repayments in household income and expenditure

[Table of contents]
System debt and average savings amount of housing loan repayments in households
System of housing loan repayment of household
System’s a repayment rate and payment amount monthly mortgage

Average savings amount of housing loan repayments in households and liabilities

Households in the mortgage comes to the surface in the household survey report (savings and liabilities chapter)”(MIC) 0/2008 ( households of two or more of working families ) of averages is

• 45.7 Age of householder
• n/a Yen annual income ( vs. prior year? 2% )
• Savings Central n/a Yen ( vs. previous year?2.6% )
• Running total liabilities n/a Yen ( vs. previous year?2.2% )
• Debt for land and housing n/a Yen ( vs. previous year?1.9% )

In the situation of n/a Yen debt excess.

Look time to building houses, is a net savings in 0/1986 ( = savings Central? debt Central ) n/a Yen while fell into debt exceeded in 0/1999, excess debt is costing n/a Yen at 0/2004.

Realities of the household of the households in the mortgage in the next page.

Actual condition of housing loan repayment of household

35.8% Of households being repaid the mortgage out of workers ‘ households of two or more households ( 0/2008 ( the balance of household “household survey” (MIC) ) occupies, up 0.8% from the 0/2007. Average statue

• Households n/a years n/a years old age
• 3.69 Household employees n/a people)
• Earners per household of 1.74 people (people of n/a
• Earned pieces ¥ n/a , ( 624, 128 Yen )
• Non-spending n/a yen n/a yen)
• Disposable income n/a yen n/a yen)
• Expenditure n/a ¥ ( 337, 334 Yen )
• * ( ) of figure: 0/2007

In disposable income ( = actual revenue? non-consumption expenditures ) in % of consumer spending accounts for 66% if the surplus ratio of 34%. Incidentally, 0/2007 surplus ratio was 34.6%.

Compared to 0/2007, real income and consumer spending decreased 1.7%, 1.8%, increased by 3.1% compared with last year the non-consumer spending (taxes & insurance) whereas 18%. 0/2008 And decreased income tax and social insurance premiums up, consuming less as a result of self was a tough defense, but reduce the surplus.

Reduced consumer spending compared to the 0/2007, the items and housing expenses was clothing and footwear, general entertainment, and entertainment expenses.

Repayments of what is the monthly mortgage… on the next page

Monthly mortgage repayment rate and repayments of

Residential mortgage payment each month is n/a yen, 20.5% of disposable income 60% of surplus (not considered the home mortgage deduction).

Housing loan repayment percentage and 19 household was 19.2%, 19.4% respectively, 0/2006,. The realities are surface while housing loans squeeze household income decreased in.

0/2008 Flat 35 user survey (housing financial assistance mechanism) according to the repayment rate e.g. condominium loans of “national average: repayment rate =22.2% ( monthly payment n/a Yen ) “, also including ready-built houses, houses around 20-25% are storing repayment rate.

In General “housing loan repayment percentage of disposable income is about 20 to 25 percent” and said. I’m relieved many of the housing loan repayment is stored in the frame of this reality.

0/2009 Summer bonus payouts in leading companies decreased 2 percent, declining salaries. Japan economy is possible fear and you don’t know whether political turmoil, and when bottoming out, unskilled housing loan repayment rate to plunge into the water hazards. If you buy a home you say without thinking easily chance buy houses, such as the relaxation of the tax incentives and flat 35 loan requirements from, perform calculation on precise balance retirement funds and children’s educational expenses, etc..

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