2026年6月住宅ローン金利速報 フラット35が3.21%に急騰 変動か固定か最新シミュレーション

The Flat 35 (purchase type) rate for June was 3.21%, exceeding my forecast range. I will explain why it rose so much and what will happen from July onwards, based on the latest data. We will consider how to make a decision now by comparing it with variable interest rates using a simulation. This video provides specific perspectives and tools for making a wise mortgage choice based on individual circumstances, taking into account the latest interest rate trends and future forecasts. This video is not intended to solicit any specific product. Interest rate forecasts are not guarantees of the future. This is reference information for comparing multiple scenarios. [Table of Contents] 00:00 June 2026 Mortgage Interest Rate Report 00:21 Interest Rate Report Digest (Variable, 10-Year Fixed, 20-Year Fixed, 35-Year Fixed, Flat 35) 02:28 June Variable Interest Rate (Sumishin SBI Reduces Reduction) 03:35 Forecast for Variable Interest Rate Increase (Think Tank Forecast: 1.5% to 2%) 04:31 Relationship with the Bank of Japan's Estimated Policy Interest Rate Range (1.1% to 2.5%) 05:27 What is a Variable Interest Rate Simulation Interest Rate? (A realistic and moderately conservative level) 06:45 Comparison of Flat and Variable Interest Rates 07:10 Background to the Surge in Flat 35 (Why it rose by +0.5% in one month) 08:46 June is a Turning Point in the Agency's Policy (Prioritizing Normalization over Mitigating Drastic Changes) 09:19 Trends in the Negative Spread and Flat Interest Rate Forecast for July and Beyond 12:29 Is June the End of the Zero Interest Rate Period? 13:52 Comparison Simulation of Variable vs. Flat Purchase Type (Latest Interest Rates as of June 2026) 16:43 Comparison of Variable vs. Flat Guaranteed Type without Group Insurance (No Reversal) 17:56 Reversal Possible under a 2.5% Policy Interest Rate Scenario 20:02 Variable or Fixed? Decision-Making Factors 20:57 Summary [Exclusive Table of Contents] Member-only link →    • （限定）2026年6月住宅ローン金利速報 フラット35が3.21%に急騰 変動か固定...   14 minutes 53 seconds ◆Will Sumishin SBI Net Bank's preferential treatment for environmentally friendly housing spread? ◆Interest rate forecasts for 15 major banks Mitsubishi UFJ, Sumitomo Mitsui, Mizuho, ​​Resona, Rakuten Bank, PayPay Bank, Sumishin SBI Net Bank, au Jibun, Sony, SBI Shinsei Bank, Sumitomo Mitsui Trust, AEON [Related Pages] Mortgage Ranking (CPA supervised and updated) | Sennichi's Blog https://sennich.hatenablog.com/mortga... Recommended Refinancing Ranking (CPA supervised and updated) | Sennichi's Blog https://sennich.hatenablog.com/refina... [Sennichi Taro Membership] There are two levels of membership benefits. Please access from here.    / @sennichi   ① Limited Edition Viewing Rights: 490 yen (tax included) for 30 days You can watch Sennichi Taro's complete videos for 30 days after their release. ② Private Questions: 2,990 yen (tax included) for 30 days You can watch all past limited edition videos. You can also ask Sennichi Taro questions using the email submission form on FreeConsultation.com (once a month). 【Free Consultation and Private Questions】 For consultations and private questions, please use the email submission form on FreeConsultation.com! https://jutakuloan-muryousoudan.com/m... [Sennichi Taro's Mortgage Simulator] Completely Free https://jutaku-loan-sim.jutakuloan-mu... [Sennichi Taro's Books] The Book for People Who Don't Want to Lose Money When Buying a House | Nihon Jitsugyo Publishing https://amzn.to/3twlDvh The Book for People Who Absolutely Don't Want to Lose Money on a Mortgage | Nihon Jitsugyo Publishing https://amzn.to/3iKgWJf Understanding How to Buy the "Best House" That Real Estate Agents Will Never Tell You (Illustrated) | Fusosha https://amzn.to/4dumRxL Smart Home Buying from Age 50 | Dobunkan https://amzn.to/3Kxg3zA Home Bankruptcy (Know-how for Creating a Financial Plan to Avoid Bankruptcy Even During the COVID-19 Pandemic) | MdN Shinsho https://amzn.to/3EwQKfj #Sennichi Taro #Home Loan #Variable Interest Rate *This video is intended to provide information about home loans and is not intended to solicit any specific financial product. *Interest rates and regulations may change in the future. *Please consult with financial institutions and experts for final decisions.