not rise to the bait in the model room! mortgage surgery

Financial plan is made to raise preparing the information which is necessary in order

Already immediately with GW the shank.Making use of consecutive holiday, is not the person whom you think that the model room round will be done, to be many, probably will be?At the model room, as for those where equipment and environment etc are checked it is of course thing, but it draws up also the financial plan in order to purchase the room which is liked.With special care because it is the opportunity, the if possible really close financial planned chart is made to make in order, preparing also your own data, you will go out.

Makes financial plan raise the information which is necessary in order becomes following kind of ones.

– Including tax annual income of last year
The allowance bill just of 1 months and, how without with the hand taking earnings amount, accurately estimate it is not possible to do, you can borrow to somewhat.Looking at the copy of withholding certificate and the final return which are received on end of the last year, including tax annual income of last year (face value) memo it will keep doing.Furthermore, when you think of that it purchases with the married couple, without forgetting either that it keeps refraining from two people.

– House at the time of purchase
As for present saving amount unexpected those which have not been grasped.This in the opportunity, you will try investigating your own saving amount.The person who does formation property saving will do the balance verification.also, if, if i get a support funds from parents, even that amount will be self-financing. if you listen to, let’s consult with your parents.

amount of monthly pay, pay the bonus amount when
this amount without knowing the, financial planning table, but i get to create, in order to have the budget go out without difficulty to repay even if their own borrowing, you may wish in advance is a good idea. in general,, rent for now+amount had been saving for house purchase it is said that. but, after borrowing a mortgage, a longer period of up to pay off, will be going to pay that amount. whether the amount paid can go much, let’s carefully consider.

return period is several years
in order to repay the loan, you must have a decent income or savings. usually, i think that the repayment is unlikely that there is no steady income, able to repay the loan period is actually, period will be working. why gonna get worked up to the age of what income, let’s think.

financial planning get out in the table in the model room is what has been written that what, following page let’s take a look at.

to confirm information such as firm expenses

give funds to create the plan table in the model room, there are various, such as the format, the main items that are described is almost the same. let’s see what do i ensure the center what the point.

would you like to how much the amount of borrowing
buying and selling price of the property?amount of own funds are not easy to go with. to purchase housing, in addition to the value of the property itself, will cost all sorts of. expenses for this, you will be required to pay in cash from the principle of self-financing.

looking at the example on the right, personal funds (down payment) as1,080million yen, as expenses159it has been written ten thousand yen., total1,239is that the required ten thousand yen. also, be familiar with the emergency purchase, including the purchase of new furniture die and moving, you will need more cash. also, have completely disappeared savings to buy a house, daylife is anxiety. cost of living3~6minute let months to leave at hand.

amount of their savings+assistance from the parent?expenses?fund the purchase of furniture moving and?cost of living3~6months minutes the, down payment of the purchase and, consider the amount of borrowing the amount of property value was subtracted from this amount.

for annual income
people who have income1in the case of human, although you can just tell the annual income tax of previous year, if you have a dual-income married couples with caution. 2the combined annual income is more human-minute, it also increases the amount you can borrow course. but, mortgage repayments20years, 30and the following year is. if, wife (or husband) is, if you have a plan to stop working in the near future, basically, 1income of people in minutes, how to get planning money is safe.

pair combined income and loans easy (each couple, how to get a loan) is, either quit your job or, if the income is reduced, payment is not only become very, prone very well including not being able to refinance.

if the income of two people awasere, we can borrow more and, the salesman comes easily recommended caution is.

checkpoints can be said about the plan of the main table mortgage funding plan following page in.

i’m the type that is or what interest rate, the most important!

now, mortgage repayment plan is likely to be the most important, what should i check the what. the format is different, approximately, items such as the following has been written.

i’m the type that interest rates or what
type interest rate, some have written that, you may not have been written. in the above example, interest rates1.8%there is only information that, low-interest products like this3such as year fixed, future, if market interest rates rise, this item is also up repayments. you can use any type of interest rates which, margin and revenue for the repayment of, it also depends on future plans and life, educational expenses, such as is needed now, do not have much space to household income and expenditure, to pay off25years or more is in such cases is that it takes, it is recommended that you get long-term fixed interest rate calculated with the commodity of.

plans for the future life without even asking, also included, along with a brief description of the differences in type rather than interest rates, if it is calculated at a floating rate and fixed rate short-term, please also try to estimate the long-term fixed let’s say.

repayment period
in many cases, 35it seems that to create a repayment plan funds in the year. the age of the start repayment35after years plus, what age do you become? for example, 35if year-old man70and it turns out that the mortgage to pay up to the age of. in many cases such as prepayments, it ends in fact repaid more quickly it will be said, such as, in order to prepay is, without leaving the room to put savings that amount will not be.

when the actual borrowing, 35by years to repay, reduced the amount of each repayment, the savings surplus came out, it would be nice to do a plan called the prepayments, at the planning stage funds, until retirement age at the time, if a company employee, if self-employed who, and ask them to estimate the number of years until their retirement age. minutes, including prepayments, in fact, what will the burden of how much you know.

bonus repayment
for example, the monthly repayment9want to reduce to less than ten thousand yen when you issue a request that, for monthly minutes9and in ten thousand yen, you may rest would have been estimated as repayment bonus minutes. work together to repay bonuses, although it is not a bad thing, that amount, let’s image from the bonus to pay each time. if you received a bonus, let’s go on a trip, or, appliances or try to kaikaeyo, i think that you have such fun. the repayment amount, such as it would deprive the fun, my home life is not money purchase becomes boring.

also, when you purchase the house, can in fact generate tax expenditures, such as fixed assets. from such things, bonus repayment is not utilized as much as possible, is what you want should be kept to small even if you use. time for repayment of bonuses, shall i tell him clearly how much you want reduced to a.

repayment rate payment
the annual income divided by the total amount of annual mortgage repayment, repayment rate payment (some say that the burden, such as annual income rate) this is called. in general,25%it is said that within a healthy. annual income is high and people, DINKSpeople, such as the human potential of future annual income goes up, smallit can be enhanced, guide itself, from the point of view of experience gained in response to consultation, 25%life will come to the last minute and quite beyond the, 30%when the, probability of failure of future households will be higher. appropriate ratio, it also depends on personal values and how much money that either use non-housing costs, 25%good idea to have a guideline within.

in the case of condominiums, such as administrative expenses also confirmed
in the case of apartment, in addition to the monthly repayment of loan, reserve management costs and repairs, toll parking, causes, such as payment of ancient bicycle parking. was also added on these, let kept to a reasonable monthly repayment amount.

sequence terms unfamiliar, it may be difficult to understand, financial planning in the table is full of information like this. and type of housing loan interest rates, amount of each repayment, if you specify a repayment period, so you can have a more reasonable plan funds, let’s go to the model room getting ready down firmly.

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