住宅ローン金利3.21%に上昇🚨支払い総額を1,000万円減らす方法を伝授【注文住宅】

In an era of 3.21% interest rates, the total cost of a custom-built home can vary by 10 million yen depending on how you "borrow" and "build" it. Keita, an architect with 15 years of experience and who has designed over 100 homes, has compiled "just two ways to build without losing money" using numbers and simulations. ▼ What you'll learn in this video ・The difference between the amount a bank will lend and the amount you "should borrow" ・The basis for the limit being 5 times your household income ・The actual difference in total payment amounts between variable interest rates, 10-year fixed rates, and Flat 35 ・The pitfalls of the "5-year rule" and "125% rule" for variable interest rates ・Why the total payment amount differs by approximately 9.5 million yen between insulation grades 4 and 6 ・How to utilize subsidies, housing loan tax deductions, and Flat 35S ━━━━━━━━━━━━━━━━━━━━ ▼ Table of Contents (Chapters) ━━━━━━━━━━━━━━━━━━━━ 0:00 Opening 0:16 Why is this topic necessary now? 1:02 [Method ①] Don't borrow too much (5 times your household income) 2:29 Recommendation for financial planning 3:01 [Method ②] Reduce payments 3:17 Reducing Costs Through Interest Rate Selection (Comparison of Total Costs for Variable, Fixed, and Flat 35) 4:41 The "Hidden Trap" of Variable Interest Rates (5-Year Rule, 125% Rule) 5:53 Variable or Flat: Three Criteria for Choosing 6:46 Reducing Costs Through Housing Performance (Insulation Grade 4 vs 6) 7:52 ① Difference in Utility Costs: ¥3,150,000 8:23 ② Subsidies: Up to ¥1,250,000 8:45 ③ Housing Loan Tax Deduction: Approximately ¥3,500,000 9:09 ④ Flat 35S: ¥1,740,000 9:26 Total Impact of Approximately ¥9,500,000 9:53 Summary 10:37 [Free Consultation] Introduction to Frank Housing [Official LINE] Register for LINE here https://lin.ee/wNLdxRD Recommended for: ・Unsure about choosing a construction company ・Concerned about the proposed floor plan ・Want a third-party perspective before signing a contract ・Want to check the compatibility of your mortgage and budget ・Want to design a floor plan from scratch ▼What you can receive after registering on LINE▼ ・Free checklist distribution ・Free floor plan review | Free *Lottery system / 3 cases per week ・Paid floor plan review | 33,000 yen ・Floor plan creation | 110,000 yen ・Construction company introduction | Free 【About the free checklist distribution】 For those considering building a custom home, ・House building checklist ・Good construction company vs. bad construction company checklist ・Pre-contract checklist We distribute these free of charge. 【About the free floor plan review】 We select 3 people per week from those who send us their drawings by lottery, and reply with a text message including image captures by the next day. *May be used as video material [Regarding Paid Floor Plan Revision] Based on the floor plan you send, we will send you an improved plan in PDF format. Improved floor plan PDF Explanation comments Reasons for revisions Summary of interview Notes on future steps These will be delivered within 3 days. *We accept one question. [Regarding Floor Plan Creation] After your application, we will conduct a direct interview and propose a floor plan. Initial draft PDF Exterior perspective drawing Explanation of the proposal's intent Summary of interview Notes on future steps These will be delivered within 1 week. *We accept one minor revision. [Regarding Construction Company Introduction] After your application, we will conduct a direct interview and create a mortgage repayment plan together. We will then introduce you to 1-2 honest housing companies that meet your performance and design requirements, tailored to your budget. Nationwide service available No referral fee charged to clients ● The following are excluded from our services. Please check before applying: Small-scale renovations Store design Investment properties Legal compliance checks and application assistance Detailed design including structural calculations and equipment design Cases where a contract has already been signed and there is no room for change ▼ Subscribe to our channel if you haven't already! https://youtube.com/@Bucchake-Housing... ▼ We also share information on our official website! http://bucchake-housing.co.jp We provide information on housing, regardless of whether it's new construction or renovation. We strive to provide information that is as substantial as possible, so that you think, "That was good to see," "That was helpful," "That was interesting." Frank Housing Keita Masuda, Floor Plan Specialist Second-Class Architect Graduated from Keio University, Faculty of Science and Technology, Department of Mathematical Sciences Engaged in the design of over 100 buildings #CustomHomes #Mortgage #Flat35 #InsulationRating #MyHome #HomeBuilding #HousingPerformance #Architect #NewConstruction #HouseBuilder #ConstructionCompany #GXOrientedHousing #FutureEcoHousingSupportP...