To Arai is, is important for couples. If given the house purchase, want care enough to cost

To a new House is whether for couples considering marriage, is thinking big attractions. “Sexy new life ready survey 2008 （ wedding magazine” survey (recruitment issue) sexy ） “, or approximately 12% of the married couple looking to buy new home (House of ：4.8％, apartment ：7.8％).

To buy a home from young expenses, such as moving or less, you can take out a long-term loan advantage might cost. However, the new life Foundation can plan for money unless you properly unswerving. So, let’s home purchase must still money.

Housing purchase cost + overhead

The take home purchase money is not the only housing purchase costs. Take charge registration procedures and tax related to buy houses in addition to the price of the property. Also mortgage, this borrowing costs will depend on.

I will so buy 30 million circle House, must have thought I once raised the 30 million yen. Other is will require much expense. Is a big money move home purchase. Housing costs, and expenses both remember preparing firmly.

Down payment mortgage: property prices 2 percent want

Most covers is the purchase price of the home mortgage. First, let’s think money borrowed in the mortgage and the money to provide funds.

Generally, preparing some payment, buy a mortgage balance. However, so far borrowed home loans up to 100% of property price recently increased. Borrowing can be flat 35 housing finance agency, up to 100% of property prices.

Previously, you can’t borrow up to 8 percent of the property price, but many, generally to prepare the cash as a down payment was 2 percent. Felt House became easier to buy mortgage convivial set, and thus, sounds.

However, without a down payment to buy the House let us carefully. Repayment of waiting after the borrowed money. ‘D to prepare some initial repayment impossible not to. It is still safe and 2 percent of the price listings are ready as a down payment.

Check the repayment plan and

From 2% down payment is not assured. Balance of payment and their income will also check. New life becomes painful in the repayment of loans, too.

Remember the ratio of annual repayments of salary checks firmly. I wanted to press the repayment amount is 25% below its annual income is less than $ 3 million. If the salary is 300-4 million yen below 35% is standards 4 million yen over salary, 30%. It is as much as possible, and to minimize the rate of repayment.

Let’s calculate when income is married to combine its income. However, if you have planned my wife quit his job, my wife’s income is not calculation is good, isn’t it? Also to determine who used car loan and Caudron, plus the mortgage payment and the payment amount. Couples have already formed a loan is suspect.

On the mortgage had been seen take notice or cost. Take home purchase this additional money. More information here, on the next page.

Home buying expenses = DD + loan expenses

Various home purchase cost different listings for each. You want to keep checked enough advance

When you buy a home, many still need. property prices are gold It also required from in cash, planned to remember ready.

These cost categories into two residential mortgage-related taxes.

Taxes are needed early in the

Will become necessary, stamp duty, registration and license tax, real estate acquisition tax. These are the need to contract and registration procedures. Before the property handover （ it early ） is what happened, so you will need to be ready.

Also, shoshi rewards needs. in registration

Loan expenses by Bank difference

I need money on mortgage borrowing at. Loan guarantee fee is money needed during the repayment guarantee assurance company. Where the guarantee fee is unnecessary by financial institutions, including flat 35 （ ）.

In addition, group credit life died during the repayment time loan repayment would be exempt. You must pay for this insurance. However, this insurance will pay at financial institutions. Choose the financial institution will want to carefully.

Also, fire insurance, it will require. Costs related to the mortgage, remember note enough because differences at by financial institutions.

If you use a broker may in addition to its need to brokerage, apartment houses, capital expenditures and water join gold. Each glimpse is required, how much money do first stage select listings.

Want to prepare expenses is 10% of property price

Have seen costs at home, so much?
You think 10% of property prices as a guideline, I will.

Housing is said 6 ~ 10% owned 3 ~ 7% property purchase homes are loan expenses and taxes actually. In addition to this, such as the furniture and furnishings such as curtains or moving it becomes a must.

1 Percent is to prepare as expenses, home purchase,. 2 Percent was estimated mortgage payment. In total, I want to prepare is 3% of property price in cash.

New life can start well at home, to firmly remember ready for funding.