誰が得する？変動金利が勧められやすい構造を知っていますか？～ なぜ「変動金利が得」という空気ができるのか？ ～ 【住宅と家計のFP市川貴博「そこまで言うか～!?」】知って得する住宅ローンシリーズ

When consulting about mortgages, in recent years, I've seen an overwhelming increase in the number of people asking, "Aren't variable interest rates better?" It's true that the majority of mortgage borrowers in Japan are currently choosing variable interest rates. However, with a variable interest rate, the interest rate isn't fixed until the loan is fully repaid. This means it's unclear what percentage of interest you'll be paying back over an extremely long period—35, 40, or even 50 years—and you don't even know what your monthly repayments will be. Any financial planner knows that it's impossible to compare such a mortgage with a fixed-rate mortgage, where monthly repayments are set in advance for the entire repayment period. Despite this, people still insist that variable interest rates are better. In this video, we explore the mechanisms behind the growing sentiment that variable interest rates are better. We'll explain the reasons behind this by touching on the benefits of variable interest rates for banks, housing companies, construction companies, real estate agents, and media outlets. However, please be aware that I'm not saying that variable interest rates are necessarily bad. A fixed interest rate isn't always the right answer. The important thing is to understand the characteristics of variable interest rates before making your choice. Are you choosing a variable interest rate simply because "everyone else is using a variable interest rate" or "interest rates are low right now"? Have you calculated how your repayments would change if interest rates rose? Do you understand the level of risk your household can bear? The sentiment that "variable interest rates are advantageous" doesn't arise naturally. There's always a structure to it. Being the majority opinion and being the right answer are two different things. We recommend taking a step back and thinking about it from a structural perspective. ◆For housing companies and construction companies: My Home Fund Navi is a must-have tool for sales representatives that combines financial planning and life planning functions. Click here: https://fp-st.com/myhome_navi/ ◆Free Online Mortgage Refinancing Consultation Campaign! Now Available https://fp-st.com/information/loan-ka... ◆Individual consultations regarding general home buying are also available on our website. https://fp-st.com/home_buying/ ◆We also accept questions regarding home buying. Please contact us via the "Contact Us" section of our website (please indicate that you watched the YouTube video). https://fp-st.com/contact/ ◆We have started offering online consultations regarding home buying. https://fp-st.com/information/jyutaku... ◆Our website is here. https://fp-st.com/ ◆F&S Expert also accepts consultations regarding insurance reviews. https://fp-st.com/insurance/ ◆Individual consultations regarding mortgage loans are available on our website. https://fp-st.com/housing_loan/ ◆ Reasonable online individual mortgage consultations available here https://fp-st.com/information/jyutaku... ◆ For housing companies, insurance companies, etc., please contact us here for lectures and training requests https://fp-st.com/sales_training/ ◆ [Flat 35] Applications (new loans and refinancing) (consultations and screening) now being accepted https://fp-st.com/information/flat35-... That concludes our series on mortgages: How high will variable interest rates go?! Future interest rate forecasts interpreted from the Bank of Japan's Monetary Policy Meeting [Housing and Household Financial Planner Takahiro Ichikawa, "Do they really have to say that?!"]