【住宅ローンの落とし穴】金利上昇時代で「後悔しない」ローン戦略を徹底討論！50年ローン・ペアローン・残クレ型に潜むリスクとは《塩澤崇×菱田雅生×高橋雅之×西岡孝洋②》

\\ Now's your chance to sell your income-generating property! // When you sign an agency contract using Rakumachi's free, all-in-one appraisal service, you'll receive a ¥10,000 "congratulatory bonus"! ▼Click here for details (application deadline: January 31, 2026) https://www.rakumachi.jp/ooyasan/cont... →Applications will be accepted after signing an agency contract, so request an appraisal early! ▼For real estate investment, use the Rakumachi app, the No. 1 app for income-generating properties▼ https://www.rakumachi.jp/r/yhttr4ve?u... ※The illustrations from 21:16 to 22:27 were provided by Masao Hishida. ▼Recommended Related Videos▼    • 【日銀利上げ】0.75％「不動産市況」に影響は？／日銀の発表をどう見る？／変動金利上...   ▼Check out the Rakumachi Talk Series▼    • 楽待トーク   ▼Even more practical and helpful videos are now available! ▼ Learn more about "Rakumachi Premium" here https://www.rakumachi.jp/lp/premium_s... Monthly plan: ¥3,300 Annual plan: ¥29,800 (paid annually) ▼For those considering advertising and PR on the Rakumachi Channel, click here▼ https://www.rakumachi.jp/r/mxkhgeq2 -[Chapter]- 00:00 17 times your annual salary! Real estate prices are soaring. 08:15 Own a home or rent? 13:31 Hidden risks in mortgages: 1. Couple loans 17:17 Hidden risks in mortgages: 2. 50-year loans 28:20 Regarding the expansion of mortgage tax deductions 31:08 Are residual credit mortgages acceptable? 34:45 The government wants to raise real estate prices 36:54 Decisions to make when taking out a mortgage 40:55 "People who regret buying" in the current market conditions --- [Cutting and reposting prohibited] Cutting, re-editing, and reposting videos on the Rakumachi Channel are strictly prohibited. [Rakumachi] Official website: https://www.rakumachi.jp/?uiaid=youtube [Official Social Media] X (formerly Twitter):   / rakumachinews   LINE@: https://page.line.me/nyb2478b TikTok:   / rakumachi.jp   Facebook:   / rakumachi   Instagram:   / rakumachi   [Operator] Rakumachi Co., Ltd. Official website: https://rakumachi.co.jp/?uiaid=youtube #Interest rates #Bank of Japan #Interest rate hike #Real estate #Takashi Shiozawa #Mogecheck #Masao Hishida #Honest financial planner #Masayuki Takahashi #Takahiro Nishioka #Rakumachi #Real estate investment *"No. 1 in number of properties": Survey by Japan Marketing Research Organization (August 2025)